davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (LA)

Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My mortgage has been in forbearance for approximately one year in 3-month increments. At the end of my most recent forbearance in XXXX, I requested via the company 's online portal to extend my forbearance again. The automated system informed me that my request was approved, but that I would be sent further information once my application had been processed. During the entirety of my forbearance periods, I was always sent paper mail communications regarding my requests and approvals, however, for my XXXX forbearance request, I was not notified of changes in my allotted forbearance time of one month. Because all of my other requests resulted in 3-month approvals, and I had not opted for paperless communications, I did not receive the information regarding a 1-month forbearance. I was marked late for XXXX and XX/XX/year>2024, however, an automatic payment of {$50.00} was taken in XXXX. For my forbearances, I was on payment plans ranging from XXXX XXXXXXXX per month. If my application was not approved for the forbearance request in XXXX, why was a payment taken in XXXX, and then not in XXXX? Or, if it was approved for XXXX, why was I not notified via mail? When I spoke to a company representative on approximately XX/XX/XXXX, I was told that communication from the company was not sent via mail, but that it was available in the online portal. Again, I did not request paperless communication, so that information should have been sent via mail, so that I would not be penalized in derogatory marks on my credit report.

I am requesting that the late payment remarks be removed for XXXX and XX/XX/scrub> 2024.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC (OH)

LDVLAW - Lyons , Doughty & Veldhuis P.C/P.A noted an amount from XXXX XXXX that they are demanding payment. I sent a letter requesting verification ( solosuit ) and got back several XXXX XXXX statements in the mail. 

I see problems with these statements : XXXX. The {$40.00} fee is waived for a period that was not for the period noted 2. The APR interest rate changed three times and I did not receive a reason from the XXXX  XXXX for changing ( raising ) the APR ( making it more difficult to pay back ). 
XXXX. I feel XXXX  XXXX purposely made the account more difficult to pay back with the additional fees when they proved they can waive them and the changes in the APR interest without proper paper mailed with notification required by the FDCA. 
XXXX. I feel these amounts should be adjusted and the last months that XXXX XXXX was changing rates without USPS mailed notification should be removed from the debt collection process. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My father died last year. He had two Certificates on Deposit at Capital One Bank. I sent the requested documentation multiple times, and the bank confirmed receipt of such. However, the beneficiary is still being denied the proceeds of her funds ( over $ XXXX ), and the bank is now requesting an additional notarized form from the XXXX beneficiary. The original instructions FROM THE BANK DO NOT INDICATE that the notarized instructions have to be sent from both the executor AND the beneficiary. Specifically : For most estates, you'll need - A copy of the death certificate ( sent multiple times via fax and email ) - For executors, a copy of the Court-official Letter of Administration or Letters of Testamentary, dated within the last 2 years ( sent ) - A copy of the Letter of Instruction for each executor and/or beneficiary ( sent from executor ). 

NOW, the bank is saying they require a notarized Letter of Instruction from BOTH the executor AND the beneficiary. PLEASE HELP THE BENEFICIARY obtain their due funds that Capital One is holding hostage. This is beyond ridiculous.
Consumer complaint received 2024-07-19
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: EQUIFAX, INC. (FL)

The company mailed me a letter stating. 

After reviewing your correspondence, we are unable to process your request because we were unable to determine the nature of your request or your request was illegible.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I'm a tenured Chase customer. I Attempted to open a Trust account after the passing of a family member. XXXX was helpful & pleasant, apologetic & knowledgeable of a very recently outdated process. For the new process she worked hard for me yet was overwhelmed in completing the current process. In addition to not being supported ( my observation ) by her branch manager in escalation who was replaced and not supported by her back office. XXXX told me that she could not document anything in in writing as to what the problems were but would be happy to speak with me. The forms had to be completed by another family member in a different county in NY and those simple processes took a visit to three separate branches to properly complete an internal Chase bank form. I delivered 100 % and beyond of the requested information including notarized attorney generated documents that were more than sufficient to open a simple banking trust account. I began the process XX/XX/XXXX, I had to drive the process forward several times including weeks of zero communication after I filed a complaint ( after a month of frustration ) with XXXX at the beginning of XXXX where I had to follow up. On XX/XX/XXXX I was told that it came back denied again with one of the many reasons that the deceased family member didn't properly complete a form during the period after they were deceased. I opened a Trust account with the exact same documentation at other major banks with zero problems and prompt account creation. A non savvy consumer without resources could be placed in a dangerous position in both XXXX XXXX of unnecessary XXXX and stress during the period when a family member has passed as well and financial duress by not having time critical banking needs met which could prevent deposits and disbursements.
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

KOHL 'S : Deceptive practice when calling for payment amount due as follows : When calling XXXX ( XX/XX/year> ) for payment amount, the reply stated : " your Kohl 's charge balance is {$33.00} ''... followed by " the amount due on Monday XX/XX/year> is {$29.00} ''. 

I set the amount to pay as {$29.00} but when the bill arrived via US Mail on XX/XX/year> : New Balance {$33.00} Payment Due Date XX/XX/year> Minimum Payment Due {$29.00} To Avoid Interest Charge Pay {$33.00}
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (LA)

Please see letter in first The charge in question pertains to a damaged snowmobile, which I did not cause, and for which I bear no responsibility. It appears that since the merchant was unable to collect from another partymy friend, who is actually liablethey chose to unilaterally debit my account. This is both unjust and a clear violation of my rights as a consumer. 

I am requesting immediate assistance in having this unauthorized charge removed from my account and holding the responsible parties accountable for their improper actions. I expect a prompt and thorough investigation into this matter, and I trust that you will take the necessary steps to protect my rights.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (TN)

Please see attached for details. I have also reached out to this company dozens of times via phone calls and emails and they do not respond, transfer me to other people who don't help or look into the problems with their company. There resolution to not helping fix the errors that generated from their end was to have my vehicle repossessed. And as you can see in the information I am providing, I have numerous payments that I was making to this company and the confirmation numbers for those payment. Then they had a very unprofessional recovery company come and take my vehicle after their way of handling things was to have it reposessessed from me, which in turn cost my many days without a vehicle and a car left with no gas in it because the repossession company drove my car all over and did not even tow it because they took my keys from me by telling me I would be charged and extra {$150.00} dollars on top of all the other money they took from me.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I was contacted by a company using false and deceptive language who failed to inform me that they are a debt collection agency untill after i provided my information. ( Name, phone number, date of birth, social security ). After i gave those information the company then inform me they are trying to collect a debt that they had purchase. Because of the nature in which the information was collelled, now of the information can henceforth be lawfully used against me to collect on this alleged debt. I informed the company that since they had purchase the debt, i was removed from any obligation to dissolved this debt as they are now the owner. I asked for a validation of debt which must include the original creditor, the chain of custody of the debt, the purchasing agreement of the debt etc.They company threatened me that they will negatively report to the credit agencies to which i explicitly informed them that i did not consent to them reporting to the credit reporting agencies except conditionally for {$250000.00} for each report furnished to each agencies and for each new month they reported the information. I contacted the 3 major credit reporting agencies and informed them that they were reporting a inaccurate information as i did not owe this debt nor had any obligations to it. I also informed them of my conversation with the company and that the company was issued a verbal contract. I issued them the same verbal contract for {$250000.00} conditionally to furnish this information on my credit file which is negatively impacting my contracting capacity, and injuring my estate. All companies where aware of verbal stipulation and expressed understanding therefore fullfiled contract performance. I am therefore making this complaint to the CFPB to have this account removed from my credit file immediately and to demand that the companies involved issue payment to XXXX XXXX for all contracts fulfilled. I am also requesting that the CFPB forward this complaint/demand for payment to any and all appropriate Bureaus, and or agencies external of the CFPB. 
All Rights Reserved XXXX XXXX
Consumer complaint received 2024-07-11
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. (CT)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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 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 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 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have made multiple attempts to have my personal information corrected on my credit report with both TransUnion and XXXX, but unfortunately, these attempts have been unsuccessful. Despite my efforts, the incorrect information has been repeatedly marked as " verified '' without any explanation or proof provided by either reporting agency. 

I have requested the removal of incorrect addresses and alleged employers from my report, but as of 41 days later, these inaccuracies remain, with no justification from either TransUnion or XXXX. Additionally, XXXX continues to display incorrect variations of my name, despite clear instructions to correct this. 

Enclosed are copies of the letters I previously sent, along with proof that both TransUnion and XXXX received these letters. Despite this, the false and unverifiable information continues to appear on my credit report. 

I kindly ask for immediate action to rectify these issues and provide a clear explanation of the " verification '' process used to confirm these inaccuracies.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AK)

I am filing this complaint regarding a fraudulent Cash App account and a debit card that were opened in my name using my stolen Social Security Number ( SSN ). The scammers who opened the account used their own phone numbers and emails, and I had no involvement or knowledge of this activity. 

After receiving a debit card which was sent to my address today ( XX/XX/year> ), I immediately contacted Cash App to report it and requested that they close the account. However, Cash App has refused to close the account unless I provide the phone numbers and email addresses used by the scammers, which I do not have. I have provided Cash App with documentation proving the identity theft, including an FTC Identity Theft Report and a police report, yet they have not taken action to resolve the situation. 

Cash Apps refusal to close the fraudulent account despite clear evidence of identity theft is putting my personal information at continued risk. This lack of response and assistance in resolving the fraud is deeply frustrating and concerning.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

The company called Coinbase was tasked with distributing the assets of the XXXX company, which went bankrupt in XXXX. But they insist on not approving my account. There is nothing I can do anymore in this situation that has been pushed into a deadlock. It's really like they don't want to open it on purpose. It's XXXX and I still can't get my money because they haven't approved my account. The fee I will receive is around XXXX dollars, but I can not even receive that because of Coinbase. Even though I have been trying since the beginning of XXXX, I have given up and the company does not approve my account. I request your help. They don't even respond to my emails properly anymore.hey are currently directing my account to the compliance department because of the accounts they deleted. I did not ask them to withdraw from XXXX and they deleted my account at their own pleasure.
Consumer complaint received 2024-08-15
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. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15USC 1681n. 
Portfolio # XXXX. XXXX XXXX XXXX. XXXX funding # XXXX. XXXX XXXX # XXXX. XXXX # XXXX. 15USC 1681 section 602 A. Stateside have a right to privacy. 
15USC 1681 section 604 A section 2 : it also starts a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681c. ( a ) ( 5 ) section starts 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 XXXX  years .15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if person knows or has reasonable cause to believe that information is Inaccurate
Consumer complaint received 2024-08-15
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15USC 1681 section 602 A. Stateside have a right to privacy.

15USC 1681 section 604 A section 2 : it also starts a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681c. ( a ) ( 5 ) section starts 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 7 years .15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if person knows or has reasonable cause to believe that information is Inaccurate
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I trust this message finds you well. I am writing to address an issue related to my charged-off XXXX credit card account and its erroneous reporting on my credit report. 

This particular account has been formally charged off, but it is consistently being reported as a 'charge-off ' on my credit report every month. Such monthly reporting inaccurately suggests a recurring negative event, which is not the case. 

As per the guidelines under the Fair Credit Reporting Act, a charged-off account should be reported once, not monthly. The constant reporting of the charge-off is adversely affecting my credit score, which is unjustified.

This ongoing misreporting is severely impacting my financial status and prospects for future credit opportunities. I earnestly request your intervention in rectifying this matter to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this crucial issue. 

Best regards, XXXX XXXX