davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (FL)

collection XXXX XXXX XXXX XXXX {$1800.00} I declare under penalty of perjury ( under the law of the united state, if executed outside of the united state ) that the foregoing is true and correct to the best of my knowledge. further, i certify that i am permitted by FEDERAL and STATE LAW to file this dispute. i also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621 This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company -without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. all is being investigated by the FTC. 
I demand you to remove this account from all 3 of my credit report asap or i will file litigation against your company for furnishing a false account on my credit report
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

Responded to inquiry on balance transfer / promotion for Chase Slate XXXX  credit card it said to enter your info etc to see if you would qualify and what the terms would be. I did so and it said I was/ would be approved for a balance / limit and to check off box at bottom of screen to proceed & accept terms I did NOT do that ( neither checked off box nor continued to next screen ). Shortly after I received email that introductory info packet & credit card would be coming in the mail with account info. I called the company right away and they confirmed that the credit card was accepted & issued. I clarified that I did Not agree or accept terms nor did I want the credit card and that it was done without my approval. Requested that they stop immediately and close account as well as give me ph XXXX  for supervisor or way I could issue complaint. They gave me anotheXXXX XXXX XXXX I tried calling multiple times but it was busy. A few days later I received the card & packet in the mail. I called to confirm that it was closed but dont think they should be able to do this!
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (CA)

Consumer ADJ CO - {$1300.00} Reported - XXXX, XXXX, XXXX I do not acknowledge this debt as my own and contest your claim of ownership. I request detailed documentation that proves the debt is legitimately mine. Specifically, please provide : The original signed contract or agreement associated with this debt. 
A complete account history showing how the debt amount was calculated. 
Documentation demonstrating that the debt was legally transferred to your agency or firm. 
2. Litigation Concerns : If there are any ongoing or planned legal actions concerning this debt, please provide the following : Details of any litigation, including case number, court jurisdiction, and status. 
Documentation of any judgments or court orders related to this debt.

3. Verification and Documentation Request : Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I request verification of this debt. Please provide : The name and contact details of the original creditor.

Documentation showing that your firm has the authority to collect this debt and any relevant court filings.

4. Cease and Desist : Until you provide satisfactory evidence that this debt is valid and properly assigned, I request that all collection actions be suspended. This includes ceasing any litigation efforts and reporting the debt to credit bureaus.

5. Response Request : Please conduct a thorough investigation and provide a written response with the requested documentation within 30 days from the date of this letter. 

Thank you for your prompt attention to this matter. Please consider this letter a formal dispute and request for validation of the debt.
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I was served a garnishment of debt. The full amount was paid plus an additional amount of over {$500.00} above and beyond the order. Capital one and their attorneys refused to refund the amount owed to me due to the overpayment.
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. (GA)

I have contacted all credit bureaus in notice of incorrect and unmailable information. It has been 30 days and the corrections were not made. My name is incorrect as well addresses that have no account connection and is undeliverable. Please assist with this removal-all and any information on your report should be valid.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

AFFIRM ACCT : XXXX Amount : {$490.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (MI)

My account with SELF/SSTATBK was never late! I have had exceptional payment history witH SELF/SSTATBK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024, to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


SELF/SSTATBK Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CA)

My identity was stolen in XXXX, they got a hold of my Chase credit card and I was issued a new card, set up passcode and all security features they offer. Today XX/XX/XXXX, someone called the banking side of Chase to access my account. The person never asked for a passcode, they gave the person ( hacker, scammer ) my login information etc. I was never notified by Chase of this even though I receive alerts for everything else. The hacker went into my account and changed all my information, paid my card off with my funds, requested a credit line increase and applied for another card. This is not the first time this happened with Chase. I do not have a problem canceling my card, but this will happen to others and it should not. The stress this has caused, the amount of work I've missed over this is crazy.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-17
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. (TX)

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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

I purchased a CAR from the company and they told me to do the wire transfer, I went to the bank, and the cashier helped me to do the transfer, and I was supposed to received my car 10 days later since nothing has happened and that company doesn't respond, I contacted my bank about this issue and the police. 
I went back and forth with my bank, they told me to file a complaint with the other bank that received the transfer and they said it would take up to 90 days, but last week my back sent me a letter saying my request was denied and they will not refund me because I authorize the transaction the amount was {$19000.00} and it was on XX/XX/year> here is the police report # XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have been writing or calling TransUnion since XXXX XXXX. I have done so both by letter and calls on a monthly basis. Letting you know that these accounts are not mine. I do not receive correspondence from Transunion and it is very worrying. 

These are the accounts I don't recognize : XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX I DEMAND REMOVED THIS ACCOUNT
Consumer complaint received 2024-09-11
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. 

Account Name : 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 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 2024-05-15
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: EQUIFAX, INC. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-09-11
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)

I have sent disputes to Equifax, XXXX, and XXXX for the last 5 months. I have not recieved any response. I have attached a XXXX bureau table showing all of the errors in my accounts. Please investigate, update, or delete the following accounts. Thank you.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MECHANICS BANK (PR)

I'm getting these accounts on my credit at XXXX. 
I am very upset, because I have written directly to the companies ( XX/XX/2023 ) and sent them the police complaint in XXXX XXXX. These accounts were opened fraudulently and they say they are mine. When they are open with information from the United States that I have never lived. 
I have also written and called XXXX and nothing either. 
Who regulates consumer rights, I don't know, it's just that there is no one to protect me. 
XXXX XXXX XXXXXXXX XXXX Account Number XXXX .... 
XXXXXXXX XXXX XXXX XXXX. Account Number XXXX XXXX Account Number XXXX ATTACHED COMPLAINT POLICE IN XXXX XXXX
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

XXXX XXXX. 
XXXX Date : XXXX Coin base Support Coin base, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Urgent Complaint Regarding Fraudulent Transactions. 

Dear Coin base Support Team, I am writing to urgently bring to your attention a series of fraudulent transactions that have resulted in a significant financial loss for me. Below are the details of my case : Victim : XXXX XXXX Loss Amount : USD XXXX Payment Method : Cryptocurrency ( ETH ) First Transaction Date : XX/XX/year> Last Transaction Date : XX/XX/XXXX, XXXX umber of Transactions : XXXX Currency : Ethereum ( ETH ) On XX/XX/year>, and XX/XX/year>, XXXXwo unauthorized transactions totaling USD {$30000.00} worth of Ethereum ( ETH ) were made from my Coinbase account without my consent. Despite implementing two-factor authentication and regularly updating my passwords, my account was compromised. I am deeply concerned about the security of my account and the effectiveness of the protective measures in place. I urgently request Coinbase to take the following actions:1. Reimburse the Full Amount Lost : Please reimburse the full USD {$30000.00} that was stolen through these fraudulent transactions.2. Enhance Account Security : Review and enhance the security protocols for my account and provide detailed guidance on additional steps I can take to prevent future incidents.3. Investigate the Fraudulent Activity : Identify the source of the breach and take appropriate legal action against the perpetrators.4. Provide Regular Updates : Keep me informed about the status of the investigation and the steps being taken to resolve this issue.This situation has caused me considerable financial and emotional distress, and I am relying on Coinbase to address this matter promptly and effectively. Please acknowledge receipt of this complaint and provide a timeline for the investigation and resolution process. I can be reached at XXXX for any further information or clarification needed.Thank you for your immediate attention to this matter. 

I look forward to your swift and positive response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home 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: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I submitted all documents for a loan modification for help due to hardship since the government shut down in XX/XX/XXXX to the COVID 19 Pandemic and job loss due to both I had loss of income, the economy and prices of everything had rose that I am only XXXX  person supporting myself and making all bills, my electric bill had increased over 4 times the amount and my water bill had increased due to repair work that needed to be done which cost more money and more problems with other situations on my property that effected and cost more money and I made my first loan modification once approved and then I made my second payment at which once that was made I made my third payment to be free of late fees, interest charges, and any type of delinquency and a fresh start with longer terms lower interest rate and my payment was suppose to be $ XXXX month and XX/XX/XXXX I made that payment and never did I get any paperwork so I reached out to ask about this so ensure my modification was completed since I was told I would have to get a notary from which wells fargo will provide to come to my house and never would they return my call, never did they have anyone come to my house or inform me to go to a branch to sign and get documents for this new modification. I found out they ended up selling my mortgage loan to XXXX XXXX in XX/XX/XXXX and I have had a struggle ever sense because XXXX  never got documents as promised about my modification and none of my loan information transferred other than the debt and the accrued debt that was never taken off my mortgage account and ALOT of legal fees of {$49000.00} so instead of owing {$67000.00} for my entire loan I owed over {$100000.00} which I didn't even pay {$100000.00} for my mortgage initially. I have had a problem getting anyone to answer anything at XXXX and they know nothing about my loan of 11 years with Wells Fargo they have now taken over and I am in Foreclosure but currently Filed Bankruptcy due to all of this.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

Subject : Notice of Failure to Properly Validate Debt under FDCPA and Violation of FCRA for Reporting Inaccurate and Unverified Data Dear XXXX, I am writing to formally notify you of significant violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) concerning the account referenced in attached letter that was mailed to you. 

Failure to Validate Debt : Pursuant to my rights under the FDCPA, I requested validation of the debt associated with this account on XX/XX/year>. However, your response failed to provide adequate validation of the debt, which should include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
Evidence that I am responsible for the debt, such as a copy of the original signed contract. 
Your failure to properly validate this debt as required by 15 U.S.C. 1692g of the FDCPA is a violation of federal law. 

Violation of FCRA : Despite the lack of proper validation, you have continued to report this debt to the credit reporting agencies. The information reported is both inaccurate and unverified, which constitutes a violation of the FCRA. 

Reporting such inaccurate and unverified information is a violation of 15 U.S.C. 1681s-2 ( a ) of the FCRA, which mandates that furnishers of information must provide accurate information and correct any inaccuracies in a timely manner.