davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NC)

XXXX enrolled me into a XXXX subscription when I applied for the XXXX card, without my knowledge. XXXX charged that new credit card, actually it was a Chase credit card. Chase did not send a statement or physical card. Since I did not know that the Chase card had a balance, I did not pay. After three months, I got a collection call and XXXX fewer points on my credit score. My complaint is with Chase. If they had sent a statement, I could have refused the charges. 
Knowing that XXXX is being investigated by the FTC concerning its XXXX membership Chase should have verified the mailing address after receiving an incomplete address from XXXX. I was told, by Chase, that the mail was returned. 
I dont think that it is unreasonable to request that the late charges be removed for the reason stated above. This ordeal started in XXXX of last year and continues.
Consumer complaint received 2024-10-31
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NY)

I purchased a Vanilla Visa gift card on XX/XX/XXXX from my local XXXX XXXX with a {$6.00} activation fee. I loaded it with {$500.00}. I used the card on XXXX on XX/XX/XXXX for {$50.00}, XX/XX/XXXX for {$150.00}, and XX/XX/XXXX for {$14.00}. Then I used it again for The XXXX XXXX on XX/XX/XXXX and made a XXXX purchase on XX/XX/XXXX for {$44.00} which totals {$280.00}. When I checked my balance on XX/XX/XXXX it said I had {$0.00} balance and that my card was on hold and that I should call customer service. It should have a balance of {$210.00}. I immediately called the customer service number ( XXXX ) on the back of my Vanilla card and reported that the last three charges that they processed to XXXX XXXX on XX/XX/XXXX for {$25.00}, {$24.00} and {$160.00} were all fraudulent charges, they totaled {$210.00}. 

They assigned me a case number XXXX and emailed me a dispute case claim form with my case number and for my signature on XX/XX/XXXX. Upon opening the file, my name was not accurate. It clearly states the form must be received in order to process the dispute. It also states that if any of the information listed on the claim form is inaccurate, Im to send an email to XXXX with my case number in the subject line and to include the details that are inaccurate in the body of the email. I emailed that information on XX/XX/XXXX to XXXX. 

On XX/XX/XXXX I received the same claim form asking me to sign again, I did not because my name was still inaccurate on the claim form. I did not sign or summit it. 

On XX/XX/XXXX I sent a follow up email to them asking if my email, addressing the incorrect information was received. I also explained why I couldnt sign the form. I asked for them to reply. They did not. 

I called the number on my card ( XXXX ) again on XX/XX/XXXX and the customer service did not help me. They couldnt give me any information regarding my claim. 

On XX/XX/XXXX I received the same claim form again, still inaccurate. I called on XX/XX/XXXX and was unable to be connected to any customer service representative. 

At this time, I have no options to move forward and Im still unable to sign the claim form because its not accurate but states that it has to be signed and submitted to process my claim.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (CA)

Got 2 call one after the other that they were serving me. They game me a case number and number to call. First call was ok, 2nd call guy was very aggressive. I call number and gave case number, the name was given to me was same but had another last name too and gave the last four of ss number. Told him that wasn't me, said hold on is this you then gave me my correct name and ss number and home address. He said they were collecting money from credit card for bank and that they were a lawyer firm and are going to put a lean on my house right now. I told him I didn't get anything bills or paper work of debt or collection. He name three companies XXXX  XXXX, XXXX XXXX XXXX and Wells Fargo were collecting for a bill from 2014, that I stopped paying. Sounded very fishy so put on hold called Wells Fargo closes to me. Person told me he did not show any open accounts that were in default and that credit cards don't put a lean on property since there is no collateral attach to credit. I told the guy on the phone I also told him that I thought he was scamming me. He said they could put a lean since they were a lay firm. The debt was almost XXXX. And he said he could check and see if I can get a reduce rate od XXXX. Put me on hold. He acted all nice and said he was going to try and help me. I told him I needed proof of what he was talking about he Sent a form that said what I owe and reduce rate on a law firm letter head. Email was like a document email no an email, I looked for one and also XXXX  email and law firm no listing for law firm told him that. Said no listing since they only XXXX XXXX not people. Still was skeptical so I told him, that is when he gave my full social my husbands, my DL number. Home address by then I have been on phone for almost 2hrs I called husband'and told him, at one point I also hung up the call when I called wells Fargo to verify . The guy called me back and was a bit more aggressive telling me he was trying to help me otherwise they would just put a lean on our house right away. He wouldn't even let me think about and said ask me anything I will answer them. Numbers that were used XXXX. XXXX XXXX the number he used to call back XXXX XXXX XXXX. We put dispute on charge the morning after I also called back the next day I called the XXXX number to see how it was answered they answered as litigations, I tried to call by blocking my number but called didn't go thru.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX : XXXX of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Equifax inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Let me begin by stating that I am new to digital currency trading. On XXXX XXXX I purchased 1/2 of an XXXX XXXX for {$140.00} and a few minutes later 1/2 of an XXXX for {$140.00} ( see the attached XXXX bank account statement ) I purchased XXXX through XXXX, an online XXXX wallet. The money was not withdrawn from my checking account until XX/XX/XXXX. On XX/XX/XXXX XXXX finally excecuted one of the transactions for {$120.00}. So they must have pocketed the difference between the amount they debited my account and the price of the currency at the time they processed my order. I have read that many people have had the same experience as me, so it does n't appear to be a coincidence. Also, many people are claiming to have a difficult time getting their money out of XXXX. I would like to get the money I invested back. XXXX 's customer service is a robot. So, speaking to a human being is impossible.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I have no idea how this happened. I check my report regularly, and this is the first time Ive encountered such discrepancies. Hoping it was a glitch, I refreshed my browser, but the inaccuracies remained. I am urging a detailed review of the documents Ive provided to make sure this problem doesnt happen again.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (IL)

My husband and I have a savings and checking account at Ally. We opened these accounts XXXX years ago roughly. My husband passed away earlier this year. On XXXX or XXXX, I called Ally Bank along with my eldest son to have my husband 's name removed from the accounts and add my son, so he can help me with my finances going forward. Ally was okay with this, but asked for us to type up a letter stating my intentions, send the death certificate and fill out a application. My son and I did everything they asked and faxed the documents over to the number they provided, the same day. On XXXX, my son and I called to check on the status of everything we requested and put into motion. We also had some questions about some money transfers we initiated days earlier. I needed money in my personal checking account at XXXX bank and I was trying to XXXX my son {$8.00} to reimburse him for something he purchased for me out of his own pocket. These transactions were flagged and upon asking about why, we were sent to the fraud department. Once with the fraud people, things took a turn for the worse and we were flagged for doing fraudulent activity. Despite the fact I was an account holder and answered all their questions, they still flagged us. The woman started suspending the two accounts, accusing us of fraud repeatedly, and then hung up on us. We immediately called back and spoke with another fraud dept. woman and she gave us the same story. She told us she couldn't do anything because the accounts are flagged for fraud and the investigation is ongoing. We asked how long this would continue for and she said, there are no guidelines for this. We asked to speak with a supervisor, but this never happened. After about XXXX minutes of being on hold, she said the supervisor would call us in XXXX. This call never happened. I am a XXXX XXXX XXXX woman and other than social security income, all of my saved money is now stuck at Ally Bank. I can't login to see the money and have nowhere to go.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.