davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2023 my coinbase account was hacked. There were a number of abnormal changes to my account that occurred, including but not limited to : a new out of country ( XXXX based phone ) phone was added to my account, a new authenticator app, and a new password. During this time, the cash I had in my account was converted to crypto and sent out. When I realized what had occurred I reached out to coinbase. It took me, over 24 hours and photo authentication to get into my own account. Following this, I have not been contacted by anyone to discuss the specifics of my case. Over {$85000.00} was taken from account.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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. (GA)

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 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 has violated my rights. Or a 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 2024-09-27
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. (GA)

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.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-09-27
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. (HI)

I have made several attempts to dispute inaccurate accounts on my credit report with both TransUnion and XXXX, including sending multiple letters outlining my concerns. Despite these efforts, neither credit bureau has provided me with any meaningful information or verification regarding the disputes I raised. 

It appears that both TransUnion and XXXX have processed my disputes using an automated system called XXXX, which scans the letters without providing a thorough investigation or verification of the disputed information. This is not sufficient under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to receive clear verification of how they determined the accuracy of the disputed items. 

To date, no adequate response has been provided to explain how the credit bureaus verified the information on my report. I am requesting that they fully comply with my legal rights and conduct a proper investigation into the disputed accounts.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates , LLC XXXX XXXX XXXX. 
XXXX, VA XXXX Account : XXXX XXXX XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.

Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency.

IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My loan payment is due on the XXXX of the month. I called XX/XX/XXXX to request a modify or to put the payments behind due to being unable to work from a XXXX. They denied it. He pushed me to make a payment. I made a payment that day. At the time I had the money in my account that was all I had. They waited 6 days to put the payments in. The payment was returned. They called me I then paid XXXX toward the XXXX then the new payment was due. I requested again for help. I have called many times 5 times to be exact. I asked for a supervisor to call me who speaks English so I can understand. It is now XX/XX/XXXX the and I have had no call. They have been calling me to make more payments. I told them to look at the notes. I asked several times why I was denied for help? He said he could not answer me. I explained my situation. I have been on XXXX XXXX XXXX. My pay has decreased. I need a few months to get caught up. I put XXXX down on the car and my payoff is the same as when I bought it 6 month ago. They said the dealer charged fees. As of now I have not been able to get answers from Capital One or have this resolved to get help. My payment is XXXX for 60 months at 11 % at the time they over charged me ineterst. My credit was very good. I have equity in the car. I don't understand why they could not defer two payments or help me.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a business account with Bank of America for years and they suddenly decided to close it in XX/XX/2023. They sent me a letter that they have closed the account and that the funds will be frozen until they finish reviewing the account. Since they I have not heard anything from the Bank. On XX/XX/2023 I walked into the Bank to ask about my funds and they didnt have any answers either. All they gave me was my statement. I have called them several times without any answers!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, Transunion a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2024-02-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Parkway Financial Group, LLC (AZ)

I just bought a new house through inspire home loans after adding my own home owners insurance the payments we're supposed to drop by XXXX dollars a month, they just informed me that they gave my loan to another mortgage company XXXX XXXX they did not even tell my why and they did that and the new mortgage company XXXX XXXX XXXX doesn't have the new payment I was told by inspire home loans that it would go down in XXXX, and now that they switched my mortgage to XXXX  they are still going to charge me the original mortgage payment of XXXX a month it was supposed to go down to around 1400 a month because my homeowners insurance XXXX is only XXXX a month compared to thir insurance XXXX  a month they are pocketing the XXXX # this is fraudulent activity on inspire home loans and the new mortgage company XXXX XXXX XXXX I was never given a reason for them to give my loan to another mortgage company no emails letter in the mail nothing I expect this to be fixed ASAP, sincerely yours XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent.. Nor is this account reporting consistently across the major 3 Credit Reporting agencies XXXX XXXX XXXX XXXX XXXX is reporting Unknown as a description of my payment history and has changed history that doesnt show consistency.. Please Explain how history is unknown..for it is not a reporting Status
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has blocked my access to my online banking since XXXX. 
I currently live in XXXX and BofA was aware of this, they have all my abroad 's info registered in my bank account profile. 
They insist that I have to go to the US and step into a branch with two forms of ID because I don't have a US phone number where they can send a 4-digits passcode to verify my identity over a phone call. 

Is this really the only way this institution has to verify me over the phone? I just can not believe it. When I opened my account with them I provided all the info they requested and the banker never ever advised that I needed to have an US cellphone line for verification over the phone, and the representative was well aware that I would be abroad the US most of the time.

If the only way for this bank to verify people is having a US number capable to receive their security code ( which sounds even funny, because anybody could hack my phone number or steal my phone and have access to those codes ), they should have made me aware of such thing when they opened my account and filled out all my information.

I believe that they have a lot and enough info about me for doing a verification over the phone. It is unbelievable that I have to take a flight to the US just to show two forms of ID at the branch so I can continue accessing my online banking.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (AZ)

I paid the debt in full and it was reported to collections and impacted my credit. The debt collector stated the debt to XXXX ( XXXX XXXX XXXX ) has been paid in full and they will request to delete the account and stop reporting to collections. 

A representative from the XXXX XXXX Credit Bureau said I HAD to upload documents here regarding this debt in order to view them as accurate because of multiple names on my account. She said I needed a to complete a Consumer Financial Protection Compliant and provide her with the CFPB Complaint number.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I am unaware of the debt with Eastern Account System Collection Agency they have not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report for account # XXXX. If in fact you feel I have received proper notification, please provide a copy of the certified mail receipt with my signature. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) this collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. Eastern Account System Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am disputing owing any and all debts. I am also revoking all rights of communicating with me through email, text or calls. I am requesting debt validation, a purchase agreement between myself and the original creditor, and to furnish proof that you are licensed and bonded. 

XXXX XXXX Without Recourse XX/XX/2024 XXXX
Consumer complaint received 2024-01-22
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. (CA)

XXXX, Equifax, and XXXX is the third party company. Which means not only did my bank violate me under the privacy act of XX/XX/1974 and their terms and condition and which it is that they granted to me at the time of the account opening. The credit agency reported agency did as well. 
In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Also XXXX XXXX XXXX XXXX violated my privacy right under the privacy act of XX/XX/1974 by share my information to a non affiliated third party creditor. I have evidence to prove my case. For the F.C.R.A. As a Federally Protected Consumer. I am now opting out of any and all authorizations. I the consumer may have given you. Written, Unwritten, Verbal, Nonverbal, PER 15 USC 6802. 
I told the XXXX, XXXX, and Equifax to Reinvestigate these accounts :
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Sage LLC (KY)

XXXX XXXX Was attempting to reach a collections company. XXXX misrepresented themselves, posing as a collections agency. Following a very predatory and misleading conversation, they coerced me into signing what I thought was a contract to settle a debt. They instead enrolled me into their Monitoring service, XXXX, and the XXXX XXXX repair program and now refuse to cancel the accounts. This is illegal. I have requested a contact for process of service and a will be drafting a filing for DE district court. Please use whatever CFPB resources necessary to stop these people from additional predatory practices.
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (TX)

Purchased a XXXX XXXX and financed through Chase Bank. Paid XXXX for tax, title, and license. Signed all documentation and sent via XXXX to XXXX in California to register my vehicle. As of today 's date I have not received. I took delivery of the vehicle on XX/XX/year>. The company is on the verge of closing its doors and now I have a XXXX automobile that is not registered or working properly.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MN)

In XX/XX/2023 we received an email from chaseXXXXXXXX that if I added an authorized user on my account which I did that being XXXX XXXX and spent at least {$100.00} on the new account by XX/XX/2023 which we did, the amount being {$100.00} we would receive a {$25.00} credit on our account. We received no credit so I called and initially was told I would receive the credit, when it was not received and after being transferred several times including XXXX XXXX itself who said that Chase is responsible for this credit was told that they could not authorize the credit and gave no valid reason.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

THE LAST TIME I CHECKED MY CREDIT REPORT THERE WERE NO INACCURACIES BUT NOW THAT I CHECKED MY CREDIT REPORT THIS MORNING, THEY WERE THERE. PLEASE CHECK THE DOCUMENTS I'VE SENT REGARDING THIS MATTER.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (IL)

On XX/XX/XXXX a workman compensation settlement was to be direct deposited to my account in the amount of XXXX. The law firm that sent it said it cleared on the XXXX XXXX XXXX, i however missed a number on my account, now i have been ran in circles for a month trying to locate funds. I have been giving conflicting info by multiple supervisors, i was told on XX/XX/XXXX thats the funds had been located and being sent back to my lawfirms bank.The law firm never recieved anything back, now the bank customer service is being no help told me contact irs, which i did and they have no clue what the bank is referring to.Today i was told the money went in the wrong account and has been spent. So now a month after this all began XXXX looking at eviction.money network has stolen XXXX from my family!