davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have Proven time and time again, and XXXX XXXX, Trans Union, all agreed account with XXXX XXXX  was opened fraudulently!!!! Yet XXXX keeps it on my report lowering my scores due to the fact that if you look on my credit report. It shows deleted! Then put back on. I've disputed over 30 times due to XXXX false reporting. I've submitted written proof of this as well as paying {$170.00} debt the company keeps lieing about. Even though not mine. I only did on XXXX PROMISE THEY WOULD REMOVE ANT BOOST MY SCORE. I EVEN ADDED UTILITY BILL, RENT PAYMENT, NEW BANK ACCOUNT AND XXXX HAS STILL DONE NOTHING THEY PROMISED WOULD BE DONE, TO INCREASE MY SCORES. IF YOU WANT PROOF CALL ME SO WE CAN ARRANGE MY SENDING ALL DOCUMENTS CONFIRMING THIS IS TRUE AND CORRECT. XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

MIDLAND CREDIT MANAGEMENT is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX XXXX XXXX. MIDLAND CREDIT MANAGEMENT does not have my consent to have and share my private personal information. As well, the information that they are reporting is inaccurate and false. Midland Credit Managment is reporting that I owe them a debt, I have never done business with Midland Credit Management. I have never signed a contract to do business with Midland Credit Managment. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I discovered multiple fraudulent charges on my account from XXXX, after doing my taxes. I thought the money leaving my account was for arrears in XXXX XXXXt payments. When I did my taxes and found out that the entirety of my return went to XXXX XXXX it prompted me to look through my account. This is when I discovered multiple fraudulent charges, from an array of different venders. I filed a claim with Wells Fargo, which they denied, and refused to let me appeal the decision. I contacted the cfpb and they let the appeal process happen. They then denied that as well, telling me I needed to show more proof the charges werent made by myself. I subsequently filed a police report after that, as I dont really understand what other proof I can provide for them other than me telling them what charges were not made, or authorized by me.
Consumer complaint received 2024-01-24
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. (MI)

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX account # XXXX opened XX/XX/2021 this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Consumer complaint received 2024-01-24
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. (MI)

This complaint is in regards to XXXX XXXX Account # XXXX open XX/XX/scrub>XX/XX/2021 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation due to this negative information reporting on my credit report
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-24
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)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX, I realized my credit card autopay was not going through. I called Bank of America ( further referred to as BOA ), they did not know how it was turned off. I asked them to turn it back on and they confirmed it was. 

XX/XX/XXXX ( XX/XX/XXXX & XX/XX/XXXX ) BOA took out my autopay twice in error. They said they would refund one of the payments to my original payment method, my XXXX XXXX XXXX XXXX checking account ( I will refer to them as XXXX ). They confirmed the routing & account #. They confirmed I only had one autopay on my account. They did not know why the payment went out twice, but it would not happen again. 

In error, they refunded it to my Mothers BOA checking account ( I am a signer as she is elderly ). I had told several times that was NOT my account, do not refund the money there. Now they told me they could not reverse it or refund my money, that I would have to initiate an ACH Transfer between banks. I couldn't do this because I do not have a debit card with BOA, after many phone calls to BOA, I had to have my mother do the transfer. 

XX/XX/XXXX ( XX/XX/XXXX & XX/XX/XXXX ) BOA again took put my autopay twice in error. They sent me a check for the refund. 

XX/XX/XXXX ( XX/XX/XXXX & XX/XX/XXXX ) BOA took double autopay out in error ( {$3500.00} ). They said they could not send me a check. They said they would refund the money to my XXXX checking account. 

XX/XX/XXXX BOA charged my BOA credit card an additional {$3500.00} ( amount they had meant to refund me ). Now they owe me twice for that amount. I spoke to them XX/XX/XXXX and the employee told me several times they did NOT owe me twice. Finally, they said, oh, youre right we do. Well refund that to you. I said I needed it to be a check since there had been so many errors. He told me to hold, then hung up on me. 

I still have no gotten my money. These errors have exceeded {$17000.00}. I have spent probably 6 hours on the phone trying to work it out. Concerned Ill never get my money. They currently owe me {$7100.00}.
Consumer complaint received 2024-01-24
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. (MI)

This complaint is in regards to XXXX XXXX Account XXXX XXXXXXXX open XXXX according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, i demand to see verifiable proof of contract
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. As well as 15 U.S.C 1681b Permissible purposes of consumer reports. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Commencing on or about XXXX XXXX, I fell victim to a multi-layered scam operation run by Hackers which involved me making deposits for a total amount of {$26000.00} USD as unauthorized transactions from my Coinbase account to Hackers wallet. 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbase s conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.

Basis For Demand The U.S. Securities and Exchange Commission ( SEC ) has found that cryptocurrencies are unregistered securit [ ies ] under the Securities Act of 1933 ( the Security Act ). It has further found that institutions that ( a ) charge transaction fees for handling customer crypto funds provide a market for buyers and sellers of crypto and ( b ) settle its customers crypto accounts, are acting as unregistered brokers under the Securities Exchange Act of 1934 ( the Exchange Act ). See Complaint, SEC v. Coinbase, Inc. and Coinbase Global, No. 1:23-cv-04738 ( S.D.N.Y. XX/XX/XXXX ). Courts have agreed with the SEC and found cryptocurrencies to constitute unregistered securities. See, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Pursuant to Section 78cc ( b ) of the Exchange Act, customers of transactions involving unregistered securities by an unregistered broker have a right to rescind their crypto-purchase contract.

Even if I did not have a right to rescind the purchase of the cryptocurrency, the foregoing Transactions were fraudulent, and I am therefore entitled to have the amounts set forth above returned to their account pursuant to the representations made by you. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Continental Finance Company, LLC (NY)

All checks have a bank account & routing # at the bottom. As a business we are writing checks all day long ; handing them out to delivery drivers, ect. Someone took our bank account and routing # and made an XXXX purchase in the amount of XXXX. There was more fraud on our account, which has all been reimbursed, with an unbelievable amount of time spent on it. This transaction however they will not credit back. There is a " one day limit '' and after that it is " out of XXXX XXXX XXXX  hands '' due to " federal regulations. '' This specific fraud used Continental Finance which then used tele check, which both acted as smoke and mirrors, which also makes it unbelievable difficult to get to the original source of fraud. 
XXXX XXXX XXXXXXXX is the Initial issue but we are too small of a business to change anything all they tell us is tough luck. We are trying to contact Continental Finance because they are who the fraudster used as first point of this. The other bank XXXX XXXX XXXX which the funds were deposited into will not speak to us.. they will only talk to XXXX XXXX XXXX , but XXXX XXXX XXXX doesn't want to spend the time or resources. 
It is not mine or the business 's fault that this information is so readily displayed to the world. XXXX XXXX XXXX has a flaw in their system and are loosing millions if not billions of dollars due to sheer lack of competence & wiliness to resolve the problem at its core.
Consumer complaint received 2024-06-06
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. (NY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-12-30
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$15000.00}.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/2024, I attempted to transfer {$1000.00} via XXXX and it wouldn't go, it said I was locked and to call the bank, so I did. I had my boyfriend helping me with it, because he was more familiar with the process then myself. I got a hold of a rep from the bank who stated they have to transfer me to the fraud department, once transferred the rep from the fraud department was unhappy that my boyfriend was speaking in the background. She kept asking me security questions over and over again, looking for a reason to call it fraud. She asked do I have a second phone number on the account and I said no forgetting that my boyfriend was on the account also, she got her reason to determine fraud. She said someone will get back to you and released the call. Once this was done I lost all access to my account and no one will tell me what is happening. This is crazy, I went to an in person bank and had no issues. I was able to answer all the other security questions from Ally and not at one time did they ask to see my ID or anything.
Consumer complaint received 2024-01-24
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. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My debit card was sucked in by an ATM while on visit in XXXX, I no longer had access to the card. It was used for unauthorized transactions on XX/XX/XXXX - XXXX of {$3000.00}. 

I followed the process for claims with Bank of America, and they rejected the claims and refused to pay
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

THIS ALLEGED DEBT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS. I NEVER RECEIVED A NOTICE THAT I COULD DIDPUTE THIS DEBT. WHEN I FOUND OUT IT WAS BEING REPORTED I IMMEDIATELY REQUESTED ALL SIGNED PURCHASE AGREEMENTS FROM RESURGENT/LVNV FUNDING AND FROM ALL 3 CREDIT BUREAUS BUT RECEIVED NOTHING. THIOS ALLEGED DEBT IS NOT VALID NOR HAS IT BEEN AUTHENTICATED BY RESURGENT/LVNV FUNDING WHO HAS FAILED TO SEND ME A NOTICE THAT I WAS ABLE TO DISPUITE THIS ALLEGED DEBT... AND NEVER PROVIDED ALL SIGNED PURCHASE AGREEMNTS FROM ORIGINAL CREDITOR
Consumer complaint received 2024-09-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (LA)

I requested the proof of the charge off, 1099c form, from the creditor Chrysler capital. The credit bureau can not report taxable income. 
account is the Chryler capital # XXXX account has no proof showing that the account is suppose to be in charge off status. I never missed any payments and if so please send me the 1099 c form and remove this collected debt from my credit report. 
Law 15 US c1681e