davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-30
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. (VA)

XXXX XXXX SUBMITTED 2 FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Unchained Capital, Inc. (FL)

I took out a cash loan fully backed by my Bitcoin holdings with Unchained Capital in 2021 when I was a Hawaiian resident, with the understanding that I would be eligible for a renewal loan at a later date. I was told by the company that they could open a bitcoin-backed cash loan for my company, but not as an individual. After the loan was open, the Bitcoin market experienced a significant drop, causing the value of my collateral to decrease temporarily. Despite the repeated assurance by phone and online messages of a renewal loan as an option right before the loan matured, Unchained Capital denied my renewal opportunity days before the maturity date by email, even though my loan was more than adequately collateralized, when the Bitcoin price was at its lowest point in recent history, leaving me in a precarious position. 

As a result of this denial, I was forced into liquidation, and I tragically lost half of my valuable Bitcoin holdings, even though I had enough bitcoin to back another loan of the same cash value. They used high pressure to force me to tell them to take immediate action because the loan was in delinquent on the day I normally made my monthly interest payment. Without confirming with me, they also sent a XXXX  demand letter to my previous address in Hawaii despite the fact that I was living in the state of Washington. My previous landlord got the letter and opened it and my former neighbors all learnt that I was a loan delinquent and they speculated that was probably the reason that I left Hawaii because I must have been broke. Indeed, the loss of a significant portion of my bitcoin holding has had a severe impact on my financial stability and long-term plans. I expected better treatment from a reputable company like Unchained Capital, especially considering our previous positive interactions. 

To make matters worse, I have recently received an offer from Unchained Capital for a similar loan again, now that the Bitcoin market is showing signs of improvement. This raises serious concerns about the ethical nature of the company 's predatory lending practices. It appears that Unchained Capital is capitalizing on fluctuations in the market to the detriment of its customers, myself included. 

I strongly believe that this lending practice is not only highly unethical but could potentially be in violation of relevant regulations and laws governing financial services.
Consumer complaint received 2023-09-21
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)

This is Third attempt, I dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C 1681i ) Account XXXX XXXX XXXXXXXX, XXXX account XXXX XXXX XXXX XXXX XXXX -account numberXXXXXXXX XXXX XXXX XXXX-account number-XXXX, XXXX XXXX XXXX-account numberXXXX Please note that accurate reporting is crucial for fair credit practices , and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  is showing opened XX/XX/2020 and closed XX/XX/2020 so " open '' for almost 2 months from what they claim. Never had this account, never opened this account its not mine what so ever Sadly the " dispute '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. This was disputed 3 times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!! 

and NOW update!!!!! 

The removed my XXXX  XXXX  after the last dispute and left the fraud one!!!! get it correct!!
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

I have been sending letters to the credit bureaus and the creditors for the last 7 months about these debts that was owed. I started sending the dispute letters in XXXX of XXXX. I have not gotten any letters or original contracts with my signatures. These debts has been open by someone else other than myself. I believe that I have been a victim of identity theft. I also tried disputing the debt because there were information on my credit report that has inaccurate last date active and dates that were not consistent with each credit bureau. I also found that the accounts had some accounts showing open and in collection at the same time. I need these items removed from my credit report. The do not belong to me and are negatively impacting my credit file.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My company I work for is XXXX XXXX in XXXX Arkansas however it's showing XXXX XXXX in XXXX texas I worked there when I was XXXX actually so I don't understand why that is showing wrong I've never missed one day at the XXXX XXXX XXXX in Arkansas
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : 1. Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX XXXX. 

Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling Identity Fraud and sharing my personal information without my written permission or my consent. 

Sincerely,
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

15 U.S CODE 1692g - VALIDATION OF DEBTS.

15 U.S CODE 1681I PROCEDURE IN CASE OF DESPUTE ACCURACY. 
XXXX & XXXX XXXX EXPERIAN DID VIOLATE MY CONSUMER RIGHTS BASE ON XXXX FCRA DECLINING TO RESPOND TO ME REGARDING THE VALIDATION OF THE DEBTS AND INACCURATE REPORTING FOR THE FOLLOWING ACCOUNTS. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX  ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX XXXX # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY.
Consumer complaint received 2023-12-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mortgage Research Center, LLC (ME)

I have a VA home loan with Veterans United in pandemic forbearance. During the end of forbearance period this last two months VU has harassed me with an absolutely mind boggling amount of calls day and night. They tell me to call back closer to end of forbearance if I answer because submitting the paperwork earlier would end forbearance sooner. So I ask why was I called. They stated these calls will continue until my loan is current regardless of me finally handing the matter over to a VA loan specialist because the calls XXXX a day XXXX were finally affecting my mental state. I am a XXXX XXXX  with among other issues XXXX and XXXX XXXX. I have told them this as well. The last one on phone was specifically extremely rude and essentially told me to shut up several times while reading from her PC screen what she was told to read and could not answer a single question I had about my loan. This can not be normal? I also told my VA loan specialist about the behavior. Their website is next to useless, their app as well. They literally don't even currently need anything from me, all paperwork submitted. Yet the calls don't stop.
Consumer complaint received 2023-12-18
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. (DC)

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.

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 2024-07-08
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. (IN)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IN)

Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : WF XXXX Amount of Transaction : XXXX I have disputed this charge TWICE now with Wells Fargo, and after six months, nothing at all has been done yet. The first time I disputed the charge, Wells Fargo closed the dispute without telling me anything about it at all. I asked them why they closed it, and they tried to tell me they sent me an email requesting more information. This was a lie. Anytime they send me an email, it goes to my online account, and there was no record of them sending me an email. When I asked them to show me this email, they couldn't do so. I re-opened the dispute about 2 months ago, but again, nothing at all has been done with the dispute. They've never once contacted me or the merchant for any information at all.
Consumer complaint received 2023-10-28
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. (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.

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 inructions 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 2024-06-15
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. (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.

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 informationisinaccurate.
Consumer complaint received 2023-12-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

On XX/XX/2023, National Credit Adjusters received a debt validation letter from XXXX XXXX. National Credit Adjusters did not validate the debt that National Credit Adjusters claim I owe. As a result of that failure, National Credit Adjusters also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/2023. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days. National Credit Adjusters have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). National Credit Adjusters neglected to respond or comply. National Credit Adjusters has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because National Credit Adjusters do not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give National Credit Adjusters legal permissible purpose per FCRA. National Credit Adjusters is a known junk debt buyer. Per 15 USC 1692K Civil liability, National Credit Adjusters is now liable for violations that they have carelessly committed. These behaviors are also considered abuse and harassment. I am aware that National Credit Adjusters was sued by Bureau of Consumer Financial Protection ( Bureau ) for abusive deceptive practices and behaviors towards past consumers. National Credit Adjusters are barred from certain collection practices and is permanently barred from working in any business that collects. National Credit Adjusters was ordered to pay {$500000.00} in civil penalties. National Credit Adjusters. National Credit Adjusters was also sued by Lamont V. Thompson for illegal practices. National Credit Adjusters will be sued again if National Credit Adjusters continues to stand outside of compliance of my federally protected consumer rights by not complying with the FDCPA, FCRA, and Privacy Act. The actions National Credit Adjusters have committed constitute identity theft and fraud. National Credit Adjusters will be reported to the FTC.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (IL)

Obtained my credit report and have unauthorized inquiries on my profile XXXX XXXX ( retailer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( retailer ) XXXX XXXX 3.SYNCB/PAYPAL ( bank ) XXXX XXXX 4.SYNCB/ AMAZON ( bank ) XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-12-18
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.

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.