davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

A capital one credit card account was opened in my name. I did not open this account, nor did I supervise it. I have called the bank associated with this card, and I am aware of transactions in California that could not possibly relate to me at all. I need this removed off my credit reporting ASAP.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TN)

I was in a financial hardship last year. As a result, I have late payments that was unpaid to you. But to ensure that your company incurred no losses I promise this wont be happening again.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX. I received an email from JP MORGAN CHASE stating that I had insufficient funds in my savings account. I checked my account on the app and saw over {$6500.00} was stolen from my acct. I contacted Chase to make a complaint and went to a branch the next morning to file a claim and sign paper work. I waited 3 weeks for an update, did not receive one. I was also supposed to receive a credit for the money in question ( 2 reps told me this ) and I did not. I called Chase today and they denied my claim of fraud over {$1.00} that was not disputed ( missed by the banker at the branch I went to ). No one notified me and no communication was sent. I had to file another claim for {$1.00} and I now have to wait again for Chase to investigate. Customer service was poor and this issue was not treated with urgency. Out of the years I have banked with Chase I have never made payments out of my savings account. I was not notified of this fraud and Chase did not take the proper measures to protect my money I earned and worked hard for.
Consumer complaint received 2021-03-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I SENT LETTERS TO THE CRA 'S ABOUT THE INACCURATE AND INCOMPLETE ACCOUNT THAT THEY ARE REPORTING AND REFUSED TO DELETE IT FROM MY CREDIT REPORT.I SENT XXXX ON XX/XX/2021, TRANSUNION ON XX/XX/2021, AND XXXX ON XXXX.IT HAS BEEN OVER 30 DAYS WITH NO RESPONSE WHICH IS A VIOLATION AND NEEDS TO BE DELETED.I HAVE ATTACHED COPIES OF THE LETTERS BELOW AS WELL.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XXXX of XXXX, I was in an XXXX with XXXX, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from XXXX XXXX XXXX for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the original creditor ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion.
Consumer complaint received 2021-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (UT)

I called to pay off my loan on XX/XX/21. I made a payment of {$600.00}. The amount the representative told me it would take to payoff my loan. I have been receiving calls and emails ever since that I still owe interest. The representative I spoke with NEVER mentioned anything about additional interest. Only that a payment of {$600.00} would payoff the loan. Even the receipt I download from the company 's website says my loan is paid in full. This company is scamming me for more money. I will not pay on a loan that I paid off and their receipt clearly states " paid in full ''. This has turned into a predatory loan/lending company.
Consumer complaint received 2021-03-25
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I called in and advised to not call my work number XXXX. I continue to get automated calls to this number and i am not delinquent on the loan nor have I ever been. This is harassment!!! I provided a number that can be called however I don't expect calls about my loan unless there are important changes I need to be made aware. I should not be being contacted about payments that are not yet due. Then when getting on the line with a representative that did not identify themselves would not changes or update my information but ended the call! I am getting real tired of these illegal attempts at managing my loan. I am ready to involve an attorney at this point!
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX  XXXX  and XXXX ) The collection Agency JEFFERSON CAPITAL SYSTEM which is on XXXX XXXX XXXX XXXX XXXX, MN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company has also violated these laws.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

There is over {$15000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$15000.00} for violations of the FDCPA.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

On XX/XX/22 I closed out all positions with Coinbase. Was going to wait til finds cleared and transfer back to my bank. 
That evening the account was hacked and Bitcoin was purchased.

I tried to contact Coinbase but they have no Customer Service personnel. 
So I filled out an online report on the XXXX. 
Later that day, I got a call from what turned out to be scammers and gave them access to my computer. 
I know that sounds XXXX, but I have let other companies do remote access. 
The put in a 2 factor authorization and then bought Bitcoin and tried to put it in another wallet. 
I got an email from Coinbase asking if the transaction was legit and they were holding it for 3 days.. I informed them it was not legit. 
I believe the money is still there as the scammers kept contacting me constantly. 
I finally blocked all numbers. 
I cant get back into my account as I cant access the 2 factor. Ive emailed and filled out complaint forms and Coinbase has sent nothing but they are working on it. Its been over a month. Had close to XXXX with them. Again, logically it make sense that the scammers cant get the money either. 
They kept trying to convince me they were Coinbase employees and wanted another remote session. 
Coinbase was notified within their 72 hour window. I just want my money back obviously.
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

. Please verify if this is XXXX percent accurate coz I'm seeing inconsistent information across other bureaus such as date last activity XXXX XXXX XXXX Account Number : XXXX Please conduct a reasonable inve $ XXXX, and DELETE if inaccurate, incomplete or unverified.
Consumer complaint received 2021-03-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (FL)

I was very ill XX/XX/2020 and unable to work or to locate and submit paperwork. I was laid off from my job on XX/XX/2020 due to the COVID pandemic. I asked my mortgage company for help. My mortgage company said I would have to fill out and application and hope to be approved. I read online that the CARES act is not supposed to have an application. My lender still will not allow me to be on the forbearance without filling out an application and applying. I have a XXXX XXXX backed loan.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I paid {$20000.00} to Costco Anywhere Visa Business Card by Citi-XXXX.

I had a credit limit of {$21000.00} On XX/XX/XXXX, I received a notice they lowered my credit limit to {$1500.00} This is wrong. The below is what they wrote in their letter to me. 
I sent them a letter stating that they are using fradulent data to degrade by credit limit. Recently on XX/XX/XXXX I filed a police report with XXXX XXXX Police Department Incident number XXXX regarding fraud on my credit report. I have submitted this to all the bureaus.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXX XXXX  XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I had 2 accounts fraudulently opened in my name years ago. I have attempted to dispute such items many times with the credit bureaus and the accounts that were fraudulently opened are still reporting to various credit reporting agencies. I recently found out it was my cousin who created an online login for XXXX by fraudulently using my information and opened these accounts fraudulently. I have mailed a notarized affidavit of facts from him admitting to opening and using those accounts without my knowledge. I also submitted a notarized Identity Theft Affidavit from myself and FTC Identity Theft Report to further document this identity theft issue. USAA received my letters via certified mail on XX/XX/XXXX ( Tracking # XXXX ) and did not block the fraudulent information as required by law within 4 days of receiving my dispute. As USAA should be familiar with already, when you sign an affidavit you are asserting that the information is true and that you have personal knowledge of the facts contained in the affidavit, and it is only valid when made voluntarily, without coercion, and signed by an agent authorized under Section 139 of the Code of Civil Procedure 1908 in which both affidavits were signed correctly and accordance with the law. An affidavit is pivotal in law due to the fact that nothing ( in-law ) has the power to cancel/override an affidavit except another affidavit that has rebutted the first, point for point. Any rebuttal must be for the whole and complete affidavit and not partially. This makes both affidavits legally binding under oath in which USAA as per federal law as a data furnisher must fulfill their legal obligation to treat it as such and remove the items I have identified as fraudulent in relation to identity theft immediately unless they provide a counter-affidavit rebutting the 2 affidavits I submitted to them. The fraudulent accounts on my report have caused me severe hardship as I have not been able to attain financing for a vehicle and get credit cards in emergency situations such as when the COVID-19 pandemic started and I lost my job and now collecting unemployment through my USAA checking account. I could not manage bills utilizing my credit as I should have if it weren't for these fraudulent accounts reporting to the various credit bureaus. I have disputed these accounts prior to the pandemic and they refused to remove them even after submitting the same identity theft affidavit and FTC identity theft report to the credit bureaus. FCRA 623 ( a ) ( 6 ) ( B ) states : If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I keep my financial situations very small so I can spot fraudulent account very quickly I found a fraudulent account from XXXX XXXX XXXX XXXX # XXXX reporting on my credit. I have never rented anything from this company in my life. I am also have problems with my name being misspelled the correct spelling is XXXX XXXX please delete any other spelling of my name it is not correct. there are address that are not my showing on my credit report as well. Please delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX # XXXX, XXXX OH XXXX. I believe these addresses may have been used to compromise my personal financial information and SS DOB.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

In 2019, I lived in XXXX XXXX in XXXX, Texas. My job was going way, so I asked management for an early termination of my lease. It was GRANTED. 

After I left, XXXX XXXX claimed I owed them for abandoning the lease. They sent it to collection. I explained the situation to collection. Nevertheless, the issue was reported to Experian. I contested the issue with Experian. They chose to be the judge and jury, and they ruled on the case. They decided I was guilty. They left the item on my credit file, and even removed the " hotly contested '' qualification from it. 

This has caused me to be disqualified from eligibility for some apartment complexes. 

This issue has never been decided in a court of law. How can Experian decide that I am at fault in this case? That is simply WRONG. because these people are PAYING Experian, and I am not, it seems Experian will lean in their favor. 

I would appreciate it if you can get Experian to REMOVE that collection item. It is INVALID. 

Thank you!
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (MI)

MRS BPO LLC sent a verification of debt letter that is not sufficient to validate alleged account. I requested a few documents that was never sent. The letter that was sent has a lot of discrepancies and the verification letter that was sent does not reflect whats on my credit report. This account is falsely reporting as the original creditor and not as MRS. MRS also failed to send a letter stating that they owned alleged debt and continuously to report this alleged account to the credit agency and has been reporting this account for a year illegally. This is affecting my credit. If this agency have the right to collect debt, why wasnt I informed?! Isnt this a violation. If this company is obligated to report all accurate information, why are there so many discrepancies on all 3 credit reporting agencies?! This company is in violation. I requested documents and was not given all the proper documentation. I only received a statement and a verification letter from MRS XXXX I have more evidence if needed
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/XXXX I was checking my bank account and I found three unrecognized debits. One on XX/XX/XXXX for {$3500.00}, one on XX/XX/XXXX for {$3500.00}, and another one on XX/XX/XXXX for {$3000.00}. I called the online banking service and told them that I did not do and did not authorize those transactions, that I never received the text with the security code, that I never received an email to verify the transactions as the bank should has done since there were three consecutive, very suspicious, transactions. 

I was informed by the bank representative that the account was supposedly had been immediately blocked and he had opened a new account. On XX/XX/XXXX, I checked my brand-new account and AGAIN found another unrecognized debit for {$3500.00}. I immediately called, spoke with the bank representative, and ONCE AGAIN he blocked the account. 

As you can imagine I was frustrated and psychologically affected for all these inconveniences. I was told that the fraud department has been informed and that soon I will receive a communication regarding this matter. On XX/XX/XXXX I received a letter, by email, regarding claim number XXXX informing me that the bank was unable to honor the claim and clearly written You may request copies of the documents used in our investigation and well mail the information to you for your records. When I asked to be mailed the reasons they could not let me know the reasons. 

One again I called and spoke with the bank representative I was informed that supposedly they made a domestic called to phone number XXXX XXXX and spoke with my husband, that lives in XXXX XXXX and my son, that live in XXXX XXXX XXXX XXXX and that they BOTH authorized the electronics transactions. This is false because my husband and my son live in two different continents with two different phone numbers and two time zones. My son is not a beneficial owner, he is not authorized.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (NC)

XXXX HAS ALL THE PROOF THEY NEED TO REMOVE THIS FRAUD ACCOUNT FRO MY PERSONAL CREDIT FILE AND STILL THEY REFUSE TO REMOVE IT. I HAVE PRODUCED POLICE REPORT, FTC REPORT, COURT DOCUMENTS, ARREST REPORT AND STILL ITS ON MY CREDIT FILE. THE ADDRESS UNDER THIS ACCOUNT IS FRAUD AND ACTUALLY THE ADDRESS IS DOCUMENTED IN SOUTH CAROLINA WITH THE XXXX XXXX AND ATTORNEY GENERALS OFFICE AS A BLACK MARKET ADDRESS BECAUSE ITS A PARKING DECK IN DOWNTOWN XXXX AND SO MANY PEOPLES IDENTITY IS USED TO RECEIVE STOLEN CAR LOANS. XXXX KNOWS THIS AND IVE SHOWN PROOF AND STILL NO REMOVAL OF THIS LOAN. THE GENTLEMAN WHO WAS CHARGED WITH BUYING A TRUCK IN MY NAME USING PNC BANK IS ACTUALLY A PNC BANK OFFICIAL. SO PNC BANK IS PROTECTING HIM BECAUSE OF LEGAL ISSUES. ALL I WANT IS THIS ACCOUNT TO BE REMOVED AND BLOCKED LIKE IT IS ON XXXX AND XXXX. PLEASE REMOVE OF LEGAL ISSUES WILL COME. IM A XXXX XXXX XXXX AND IVE NEVER SEEN A BANK OR CREDIT BUREAU BEING SO WRONG AND BREAKING THE FEDERAL CREDIT GUIDELINES. I ASKED THE BANK SEVERAL YEARS BANK TO PROVE THIS LOAN WAS MINE AND THESE NEVER RECEIVED ANYTHING! XXXX YEARS AGO THERE WAS ANOTHER LOAN THAT PNC BANK GAVE TO SOMEONE AND USED THE SAME ADDRESS OF XXXX XXXX XXXX XXXX SC XXXX AND XXXX AND PNC BANK REMOVED THE ACCOUNT AND BLOCKED THE ADDRESS AS FRAUD BUT NOW THEY REPORT IT AGAIN ON MY CREDIT FILE. XXXX XXXX YEARS AGO VERIFIED XXXX XXXX XXXX WAS A FRAUD ADDRESS AND BLOCKED IT ON MY PERSONAL CREDIT FILE BUT NOW THEY REPORT IT BECUASE THE BANK SAYS IT CORRECT WHEN ITS ACTUALLY NOT. XXXX IS PROTECTING THE BANK VS THE CONSUMER AND IVE HAD A XXXX BECAUSE OF THIS AND LEGAL ISSUE WILL COME IF NOT REMOVED