davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Associates. XXXX XXXX  Trying to collect a debt that was originally owed to XXXX  XXXX XXXX I questioned the account and disputed of various reasons Portfolio Associates ARE RECKLESS AND ABUSIVE to me. I have XXXX XXXX I was willing maybe to work out an arrangement to pay something to keep my dignity and good name intact before I die.. 

They just are inhuman SCUM. decided it's business. Never heard back from them to let me know how they made out with my dispute just went right ahead and decided to XXXX this to my credit report as a collection account after harassing me and NOT working with a person with medical problems. 

I AM REQUESTING ACCOUNT BE REMOVED AT ONCE LET RECOVERY PORTFOLIO PAY THE DAMN BILL FOR HARASSING. A XXXX XXXX PATIENT.
Consumer complaint received 2023-11-01
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I sent {$20.00} XXXX coins through base Network to XXXX from coinbase it never posted or said anything to XXXX that it was there no notification at all coinbase says that it went to the XXXX XXXX and that it was received in my XXXX account I have no money in my XXXX account every time I kept asking this coinbase about where is they said well it went through it it's there and I'm like no it's not there and they would not hear it I called XXXX first they said no it's not here that coinbase told me to check with them and make sure that they take the base Network they do so where's my funds I double check the XXXX address twice to make sure it went to the right address but no funds in my pay
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

To whom it may concern : Jefferson Capital This complaint is regarding account # XXXX, which you claim I owe {$1200.00} for a collection account. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collections agency can not place a collection on a consumers report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 
Also, a 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-s2 ( 7 ) ( A ).

Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the CFR, FCRA and FDCPA : therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

I Had a fraudulent transactions totaling over XXXX $ from my bestbuy citi credit card it had gotten stolen around XX/XX/XXXX and they racked up charges that maxed out my limit, clearly frustrated I called up citibank/bestbuy to dispute these completely fraudulent transactions and they told me everything was fine on the phone I even got my credit limit back to where it should of been before the fraud and everything was good. Now on XX/XX/XXXX I receive something in the mail saying dispute DENIED, reasoning for it being denied " the facts and or information reviewed as part of investigation does not substantiate the claim of unauthorized use '' .... MY CARD WAS STOLEN and charges where made fraudulently what more could they ask for, this is complete and utter unprofessionalism from CITIBANK/BESTBUY. I will be getting a attorney involved if this matter is not situated promptly. 

Card ending in XXXX
Consumer complaint received 2024-07-02
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: CITIBANK, N.A. (VA)

Summary : Purchased flights on XXXX for two passengers on XX/XX/XXXX. 
Cancelled the flights for both passengers on XX/XX/XXXX. 
XXXX refunded the purchase total in full to my credit card used for the purchase. 
To date, the refunds have not posted to my credit card account. 
<br> Credit card is Shop Your Way Mastercard issued by Citibank. 

After waiting 10 business days for the refunds from XXXX to post, a credit card customer service rep advised us to open a billing dispute to launch an investigation. Separate billing dispute case IDs were opened for each passenger 's airfare. 
<br> Billing dispute Case IDs : <br> XXXX Date submitted : XX/XX/XXXX Amount : {$330.00} Status : Active<br> XXXX Date submitted : XX/XX/XXXX Amount : {$330.00} Status : Closed <br> This case was closed with no resolution - credit card issuer claimed that they did not receive additional supporting information but I did send complete documentation multiple times via online upload and fax <br> XXXX ( reopened case of XXXX ) <br> Date submitted : XX/XX/XXXX Amount : {$330.00} Status : Active <br> Currently, there have been no resolution from the credit card company. We have so far only received letters from them about the following : -2 disputes opened<br> -2 requests for supporting documentation and a form to fill out, sign, and return<br> -1 dispute resolution ( for case XXXX ) <br> -1 dispute reopened ( as case XXXX ) <br> -1 request for supporting documentation and a form to fill out, sign, and return<br> I sent the credit card company supporting documentation multiple times via upload on their website. On XX/XX/XXXX, I also faxed them this supporting documentation which are attached to this complaint.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (DE)

Please review the following information in reference to dispute of my delinquency on my mortgage. On XX/XX/XXXX we processed a payment with Wholesale Mortgage ( XXXX ). This payment was apparently never processed despite them sending us an email that it was processed. Please see attachment .United Wholesale then sold my mortgage to XXXX XXXX XXXX ) I just recently learned since XX/XX/XXXX my mortgage has been late, it was not reported to the credit reporting because it never reached more than thirty days past due. XXXX has not made any attempt to advise us of this delinquency via email or via phone. Their statement reflects a fee but does not provide an explanation of what the fee is. Please see attachment XXXXXXXX XXXX  continued. charging late fees until XX/XX/XXXX .They made no attempt to advise us of the delinquency from XX/XX/XXXX until XX/XX/XXXX .They have refused to provide proof of any attempts. In XX/XX/XXXX again my mortgage was sold to XXXX XXXX ( XXXX ). I still had no knowledge that my mortgage was late at this point. We received an email from XXXX XXXX stating that we are no longer to make a payment to XXXX and XXXXXXXX XXXX will begin accepting payments XX/XX/XXXX because of the sale. Please see attachment. My account then hit thirty days past due because of this, even though I had no way to make a payment prior .This is a violation of RESPA This 30 day should not be valid and I want my thirty day delinquency removed off of my credit report .This mortgage delinquency is the fault of 3 mortgage companies Wholesale Mortgage for failing to process the payment .XXXX for failing to attempt any collection efforts and Roundpoint for failing to be available to process payments in a timely manner. I believe all of them are committing a XXXX violations as result. I am asking for all credit reporting to be updated as well as all fees reversed and applied to the mortgage due to this gross negligence. In addition I want XXXX to be required to notify of mortgage delinquency by mail for all customers.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

After being denied for a short term loan, I tried to contact the credit reporting agency Data X to request a free copy of my report under the FCRA rules. Upon hearing a short recording after dialing the number listed, the line goes dead, no one answers, and I have no ability to check the information reported for it's accuracy. I tried on 3 different occasions, being on hold with just a silent nothing from the other end of the line for 10-15 min. at a time. I am not willing to have my credit frozen because I mail a request in, I should not have to be burdened by any of this.
Consumer complaint received 2024-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing to formally lodge a complaint against Caine & Weiner for multiple violations of my consumer rights under federal law. 

XXXX. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** Caine & Weiner has failed to provide the required validation information for the debt they are attempting to collect. Despite my requests, they have not furnished the necessary details that would validate the debt, yet they have placed a collection on my consumer report. 

XXXX. **Denial of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : ** I have not been given a fair chance to dispute the account as mandated by law. Caine & Weiner has ignored my rights to dispute the debt and has proceeded with reporting the collection to consumer reporting agencies without giving me the opportunity to contest the validity of the debt. 

XXXX. **Use of False, Misleading, and Deceptive Means : ** Caine & Weiner is using false, misleading, and deceptive means in their collection practices. This behavior is a direct violation of my consumer rights and has caused undue stress and potential damage to my credit standing. 

XXXX. **Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) : ** The collection agency has no authority to furnish any account information to consumer reporting agencies without providing all legally required disclosures. By failing to adhere to these requirements, Caine & Weiner is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

I am also revoking all rights of Caine & Weiner communicating with me through email/texts/calls or any other forms of communication. 

I request the CFPB to investigate these violations thoroughly and take appropriate actions against CAINE & WEINER to rectify these breaches of federal law. This includes removal of the collection from my consumer report and ensuring that Caine & Weiner complies with all relevant consumer protection laws in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-28
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$17000.00}
Consumer complaint received 2024-07-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (PA)

I am writing to file a formal complaint against SEQUIUM for engaging in debt collection activities within my state without being registered. I believe their actions are in violation of the laws and regulations governing debt collection practices. As a resident of FLORIDA, I recently became aware of the activities conducted by SEQUIUM. Upon investigating further, I discovered that they are not registered or licensed to collect debts within my state. This raises serious concerns about the legality and legitimacy of their operations. According to the laws governing debt collection in our state, all debt collectors must be duly registered with the appropriate regulatory authority before engaging in any debt collection activities. This requirement exists to protect consumers like myself from unfair and deceptive practices that may occur during the collection process.In addtition i have never received form of communication regarding the dipute of this debt. please provide me with these following -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature - proof that I received your initial 30 days notice to dispute this debt.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

After more than ten years Chase closed my 3 credit card accounts claiming that I had disputed too many transactions. The representatives I had with whom I spoke about many of these transactions were receptive to my requests and in no way expressed to me that I was violating any policy. I had no idea that my cards were being closed I assumed that the machines were malfunctioning. I disputed XXXX which was bundled into XXXX and had been quietly charging my card XXXX XXXX XXXX for a year. XXXX which I had to cancel five times in five months to stop charging me {$45.00} for a service I never activated. One inquiry would reveal itself to be many and I explained that to Chase and they pretended to be on my side. They closed all 3 cards. ( XXXX, Southwest, XXXX  ) Then while I am paying off my closed cards I started getting emails and ads within the Chase app baiting me to get a new Chase card. I eventually decided to accept the offer and get approved immediately. My credit score was really scarred from the closing. I was house hunting and talking with lenders, the last thing I needed was a hit to my credit score. This new Southwest Chase card approval was a little baffling but I felt like it was a step in the right direction. I began using it and setting it up for automatic payments to pay for my utilities and as my primary card like I had before. After a week or two they closed my new card. When I called even the customer service agent seemed confused as she told me that the explanation given was that I disputed too many transactions.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (NV)

UNIFIN INC IS TRYING TO COLLECT A DEBT THAT I DO NOT RECOGNIZE REFERENCE # XXXXI AM ON SSI AND MY INCOME IS FEDERALLY PROTECTED, I WOULD LIKE A VALIDATION OF THIS ACCOUNT.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (PA)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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: AMERICAN EXPRESS COMPANY (CA)

I am writing to formally lodge a complaint regarding a series of distressing events related to a recent transaction on my American Express card. The situation has caused significant stress and financial inconvenience, and I am seeking a resolution that includes a full refund and compensation for the difficulties experienced. 
Timeline of Events : XX/XX/year> : I made a booking at XXXX XXXX XXXX for a stay from XX/XX/XXXX to XX/XX/XXXX, amounting to {$1800.00}. The transaction was authorized using the XXXX pass, and I believed everything was in order. 
XX/XX/year> : I received a notice that the transaction was declined. An email from the hotel stated, " Thank you for choosing our XXXX XXXX XXXX for your coming stay. As per your booking terms and conditions, you booked for a non-refundable booking and our system tried to charge you the full amount. Unfortunately, the payment was refused by your credit card company. '' Confused and stressed by the declination despite using the XXXX pass, I immediately sought alternative accommodation, given the impending nature of our vacation. Consequently, I booked another hotel at a higher price to ensure we had a place to stay. 
Further complicating matters, I received another email from the hotel confirming the cancellation of our booking due to the declined payment. To address this, I contacted American Express multiple times to explain the stress and inconvenience caused by this situation. 
Despite these efforts, I was shocked to discover that American Express eventually approved the initial charge after the declination, resulting in a double booking and double charges on my account. This has not only doubled our accommodation costs but also exacerbated our stress and inconvenience significantly.
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MN)

On XX/XX/XXXX someone claiming to be XXXX XXXX messaged my mother about selling us a vehicle. We didnt think much of it cause XXXX was a family friend. We briefly discussed title transfer then sent the money over and after we sent the money we realized XXXX XXXX is in XXXX  and who we were talking to was not him. He Mentioned that he wanted us to buy gift cards and send it to him. We ended up sending a total of {$1000.00} via chime. When confronted refused to send money back and blocked us. I disputed the transactions 3 times with chime and they failed to give me a reason why it was denied.
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

My account was all of sudden closed on the basis of alleged fraud or any other enumerated violations of terms of service without any tangible proof or evidence to support their claim. Several efforts to obtain specific information of my alleged infraction/s have been and exercise in futility. They claim that it is within their prerogative to suspend or remove an individual who violates their policy. However, without due process and due diligence, this ill-advised decision to truncate my usage of the platform is tantamount to a violation of my own civil rights. I look forward to hearing from the CFPB the reason/s behind cash app whimsical decision.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation (TX)

i got in a wreck, on XX/XX/XXXX and have been making payments on my loan account. I have gap insurance and the gap company paid out the leinholder from the day of the accident. the leinholder now is not refunding my money for the 5 payments i have made since the day of the accident