davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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. (WA)

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.has violated my rights. 

XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX  TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX 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 2024-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

Starting XX/XX/year> and XX/XX/year> various XXXX, XXXX transactions were made to a platform called XXXX XXXX. I came to know later that the platform XXXX XXXX was a fraudulent platform and I lost all the funds related to the platform. I believe crypto.com did not conduct its fiduciary responsibility of warning me as customer that the funds were being sent to a wallet address that was fraudulent. I have lost XXXX USD as a result of these transactions being sent to a wrong platform. I am attaching the XXXX and FTC report related to this scam and would be happy to provide any details related to these transactions
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

The following transactions were made to a fraudulent entity called XXXX. See the attached XXXX report and the FTC report that I have filed for this. Attached are the wallet addresses and the amounts transferred on the respective dates Wallet Amount Date XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/ XXXX crypto.com failed to protect me as a consumer of their platform ; at one point I had asked when I was experiencing a delay in transacting whether the wallet that I was transferring to was fraudulent or not ( XX/XX/XXXX timeframe ) ; and instead just asked me to wait for another XXXX hours to conduct the transaction. I believe at that point instead of allowing the transaction to go through ; crypto.com should have stopped the transactions altogether. 

Also attached are the transaction ids associated with the above transactions
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however, they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX XXXX, XXXX account ending in XXXX. These include a 30 day late payment with NO POSTED DATE. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (GA)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( XXXX XXXX XXXX ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian reported on XX/XX/XXXX, that XXXX  XXXX XXXX reported a late payment against me, so they downgraded my credit score from XXXX to XXXX. I immediately spoke to XXXX XXXX XXXXXXXX and they reported that they had not provided any late payment information to the credit bureau. They then proceeded to file a complaint with Experian to get my score reinstated. Since then Experian reinstated my score to XXXX instead of XXXX. I filed a a dispute but Experian refuses to take the required corrective measure. Their final message to me is that I need to open an account for one of their paid services before I am allowed to file another dispute. They have been flooding me with information to open credit cards with exorbitant interest rates. I do not need their offers and I've expressed that to them. I am requesting your help in getting this resolved and my credit score reinstated.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The " Convert Rewards '' tile does not work/verification does not work. 

When trying to convert my rewards I am prompted to verify my identity by entering my phone number. When I enter my phone number, which is the same as in my account, I get an error message that the system does not find my phone number matching my name. 

The system precludes me from using my rewards in the way I want. 

I have contacted Capital One technical support multiple times but they refused to help saying that's how the system works and they can not do anything about it. 

The problem has been around for months and Capital One has not yet resolved it.
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NAVY FEDERAL CREDIT UNION (SC)

After having a altercation with the tow man during repossession my personal information was sold to a secondary debt collector without my consent or signature which is a violation of my consumer rights I dont care about what they respond after I filed my first complaint I dont care about them closing the account I want this debt gone and deleted asap for fraudulent activity and selling my information. This is against the law and if I have to go pay XXXX XXXX to get my lawyer involved Im filing a XXXX XXXX dollar lawsuit against CFPB And Navy Federal For Failure To Follow Policys And Violating My Personal Rights. This matter was supposed to be handled and done but instead its passed 5 months now which is another lawsuit. I want this debt gone less than 48 hours or Im simply getting my lawyer involved
Consumer complaint received 2024-03-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

My account with Chime had a balance of {$1700.00}. They sent me an email saying they had made the decision to close the account. I spoke to a very nice lady and asked her what I should do. The agent on the phone emailed me a link saying I needed to submit a picture of my ID ( front and back ) in order to reopen the account because it was on hold and they needed to verify my identity. I sent the information Chime requested on XX/XX/2024. Upon submitting they auto populated a message that said it could take about XXXX hours. I waited 3 days and never received an email, so I called them again. The agent on the phone said that they received the information I had sent but Chime still decided not to reopen. I then asked about the {$1700.00} that was in the account prior to closing. The agent did not have a specific answer and continued to say she does not have access to see any further. She was nice on the phone but could not go any further. I have called Chime customer service several times. Most of the agent have been very professional but unable to answer. One agent told me that a check will be mailed to me but could not give me a timeline. THIS IS SO FRUSTRATING. I HAVE NOT BEEN ABLE TO PAY ANY MY BILLS BEACAUSE CHIME IS HOLDING MY MONEY AND I DO NOT HAVE AN ASWER AS TO WHEN OR IF THEY ARE MAILING ME A CHECK. PLEASE HELP ME.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX, I placed an order with XXXX with a CapitalOne Savor One card via a promotion in the CapitalOne portal that offered 3 % cashback for purchases instead of the regular 1 %. 

The terms of the purchase required me to use the link provided by CapitalOne 's website to make the purchase, which I did. Despite doing as was required, the cash back never properly registered. 

I attempted to reach out to CapitalOne, but their phone wait times were so long the system could not give me an estimate. I could not ultimately get in contact with them in any reasonable amount of time. 

However, this appears to be a common problem and their customer service seems to refuse to help XXXX XXXX XXXX XXXXXXXX. It was suggested to instead handle this through the CFPB.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CO)

Today, XX/XX/2024, in my efforts to purchase an XXXX for my husband through Amazon I decided to take advantage of the advertisement to open an Amazon Prime Visa through Chase bank to take advantage of the 12 month interest free payments. 

The advertisement clearly states : " interest-free UPON APPROVAL. '' As advertised I received immediate approval. However, when I went into my Amazon cart to check out, the new card showed up with only the last four digits of the account number and I was instructed to enter the entire credit card number for verification. Clearly, I dont have a card in hand that I had only moments ago been approved for. I contacted Chase and was told they could not provide me with the whole credit card number. I would have to wait approximately XXXX  days to receive the card before I could complete the purchase.

Therefore, the whole object of applying for the card to take advantage of the advertised ( 15 second approval ) and to immediately complete the purchase was based on a fraudulent representation. It was a mere ploy used to get me to apply for a card I did not need except for the interest free period advertised.

I instructed the Chase representative to cancel the card. Now I am left wondering if this approval and instant cancellation will cause a problem with my stellar credit score?

This advertisement on Amazon is clearly fraud committed to entice opening of a Chase card for their own gain but certainly not for mine.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Starting XX/XX/XXXX and ending on XX/XX/XXXX, I transferred about XXXX USDT ( see attached XXXX ) to different wallet addresses corresponding to an entity called XXXX  ( XXXX XXXX XXXX ) using my coinbase account. When I tried to transfer the money again on XX/XX/XXXX timeframe I found out that my account was in " restricted '' status and was not able to do the transfer ( I lost XXXX XXXX  transferring money from my bank account to coinbase ; buying XXXX, selling XXXX and back to my bank account ). I later came to know that the platform was fraudulent and the transactions that I had conducted was " unauthorized ''. I believe that coinbase had come to know that the transactions I made between the timeframe of XXXX to XX/XX/XXXX were going to a fraudulent platform and I had been scammed. Had they notified me in time I would have not posted transactions from another platform XXXX XXXX XXXX  to this fraudulent platform after XX/XX/XXXX to XX/XX/XXXX. See the list of transactions that I posted from XXXX  platform to XXXX  ( with essentially the same wallet addresses ). Coinbase failed to act responsibly to me as a customer and a user of the platform. I lodged a number of complaints number with coinbase ( Case number XXXX ; XXXX ). Attached are also the XXXX, FTC, CFTC complaints on this matter
Consumer complaint received 2024-06-23
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)

XX/XX/XXXX I was notified of an aged account reporting to my Transunion credit report. The account reported a name and address that Ive never been associated with ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Ive been a victim of file merging and identity theft. 

I submitted my 5th dispute via mail on XX/XX/XXXX that Transunion JUST uploaded XX/XX/XXXX ; which is past 30 days. 
My file has been in the special handling /file merging department of Transunion for years. There is no way the debt can be verified accurate when the debtor has a completely different first and middle name. Ive asked for proof of validation four times and each request has been ignored. Transunion is the ONLY CREDIT BUREAU REPORTING THIS INACCURACY. 

Per Federal Law 15 U.S CODE 1681a ( 2 ) ( Ai ) ; 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. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

I also understand that according to federal law 15 U.S Code 1666b ( a ) ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Lastly, by Federal Law 15 U.S Code 1681c-2, 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 ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided all information legally required for this inaccuracy to be removed and blocked from my credit report including : ( 1 ) FTC Identity Theft Report ( 2 ) Police report ( 3 ) Utility Bill ( 4 ) Photo identification ( 5 ) written statement that the account was not opened by me. 

Transunion has stalled multiple disputes since XX/XX/XXXX with a different excuse every month including : ( 1 ) not receiving substantial proof of identity, ( 2 ) stating they could not locate my credit report even with my file number and social security number provided on each document, ( 3 ) and now stating the debt has been verified but, has yet to furnish proof of validation of the debt. 

Please remove this XXXX XXXXXXXX XXXX XXXX account from my Transunion Credit report. It has been 5 months of disputes. This is negatively impacting my well-being.
Consumer complaint received 2021-09-02
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. (TX)

WALLETHUB XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX [ NOT MINE XXXX XXXX INTERACTIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX [ NOT MINE ] GLOBAL PAYMENTS CHECK SVC P O BOX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX MC LEAN, VA XXXX ( XXXX ) XXXX On : XX/XX/XXXX [ NOT MINE ] XXXX MERCHANTS CONCOURSE XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX [ NOT MINE XXXX ACCOUNT XXXX OF XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Placed for XXXX : Individual AccountAccount Type : Open Account Balance : $ XXXX XXXX Amount : {$1300.00} Original Creditor : TOWN COUNTRY MANOR Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR XXXX Estimated month and year that this item will be remo [ NOT MINE ] XXXX XXXX XXXX # XXXX C/O XXXX XXXX XXXX PO BOX XXXX XXXX, SC XXXX ( XXXX ) XXXX Placed for XXXX : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXX XXXX Amount : {$100.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : XXXX FOR XXXX Estimated month and year that this item will be removed : XX/XX/XXXX [ NOT MINE ] WEBBANK/FRESHSTART # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date XXXX : Individual AccountAccount Type : Installment Account Loan Type : INSTALLMENT SALES CONTRACT Balance : $ XXXX XXXX Received : $ XXXX Payment XXXX Balance : {$85.00} Pay Status : >Charged Off<Terms : {$0.00} per month, paid Monthly for 6 monthsDate XXXX >Maximum Delinquency of 90 days in XXXX Remarks : PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF Estimated month and year that this item will be removed : XX/XX/XXXX [ NOT MINE ]
Consumer complaint received 2024-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Mohela emailed me letting me know I have 9 days to pay my student loan. Never received an email telling me they finished transferring their accounts to the new system. 

They are charging me more than what was due. They also lost all account history/payments.
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (TX)

In XXXX of XXXX, I reached out to Goodleap about a solar panel loan through them. Our solar panels were not performing the way we were told by salesman that came to our home. Also, the service address was not correct listed on the contract and it took 6 months to coordinate with electric company to try to get promised solar credits. We were also promised an extra roof insurance ; our roof has begun leaking and no one has contacted us about getting this issue resolved. We stopped making payments in XXXX due to breach and significant errors in contract. I received a call at leat twice a day from a variety of numbers that are all Goodleap. This has been going on from XXXX to today. Goodleap finally sent a copy of contract XX/XX/XXXX. This contract has significant changes from the original contract I have on file and had our " electronic signatures '' all from the same exact IP address as the salesman. This contract is not valid and we are getting harassed. I started a new job and don't know if I'm answering a client call or Goodleap. It is affecting my income.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

There are numerous fraud accounts in my profile that i want to remove in compliance w/ FCRA. kindly remove the following : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: DOLLAR MUTUAL BANCORP (PA)

Dollar Bank has no online support for mortgage servicing and this has led to it being very difficult for me to manage my loan payment and mortgage balance. I'm unable to check on my loan balance or when my payment is due online and the only way for me to do this is to either call in or wait for a monthly statement to be mailed. This makes it very challenging to keep up with my payments and has resulted in missing XXXX or XXXX of my payments. The process to set up reoccurring payments is also very tedious requiring customers to send signed forms back and forth via mail rather than simply updating via an online account. Dollar bank clearly doesn't value customer service or experience because for mortgage customers because they have online banking for other customers using credit cards and regular bank accounts. I just tried calling to get my mortgage balance ( b/c I'm unable to do so any other way ) and the hold time for calls is exceeding XXXX minutes. It's almost as if dollar bank intentionally makes it difficult to mange your mortgage and make timely payments to accrue revenue via later charges and additional interest.