davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TN)

Dear CFPB, I am writing to file a formal complaint against National Credit Adjust/NCA regarding their collection practices, which I believe are in clear violation of my consumer rights as stipulated under relevant federal regulations.

I just discovered an entry on my credit report attributed to [ Account Number : XXXX ], indicating a debt collected by National Credit Adjust/NCA . However, to my utmost surprise, I have never received any written notification of this debt from National Credit Adjust/NCA as mandated by consumer protection laws. If National Credit Adjust/NCA believe that I was given proper notification, please provide me with a copy of the certified receipt with my signature on it. According to 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide consumers with validation information upon request, yet I have not been provided with any such information.

Furthermore, National Credit Adjust/NCA has failed to give me an opportunity to dispute the account, a right guaranteed to me under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Despite repeated attempts to obtain validation information and dispute the account, I have been met with silence from National Credit Adjust/NCA .

Moreover, it is evident that National Credit Adjust/NCA has resorted to false, misleading, and deceptive means in their collection efforts, which is a direct violation of consumer protection laws. Such practices undermine the integrity of the debt collection process and infringe upon my rights as a consumer.

Additionally, National Credit Adjust/NCA has unlawfully furnished this account to consumer reporting agencies without providing me with the necessary disclosures required by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of the aforementioned violations, I am formally requesting that National Credit Adjust/NCA immediately delete the entry pertaining to account number [ Account Number : XXXX ] from my credit report. I also demand that National Credit Adjust/NCA cease all collection activities related to this account until such time as they can provide the required validation information and adhere to all applicable consumer protection laws.

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX P.S. XXXX  the information for National Credit Adjust that is showing on my credit report is National Credit Adjust XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX
Consumer complaint received 2023-04-26
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: General Motors Financial Company, Inc. (IN)

Hello XXXXXXXX XXXX XXXX, Gm financial XXXX XXXX XXXX XXXX got my credit report when it was unauthorized on XX/XX/XXXX XXXX XXXX  none of these companies have any information about me so how is it on my credit report?
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

On XX/XX/2024 I had wired {$200000.00} to a newly opened Coinbase account. As soon as the funds were in the account, I placed a limit order for XXXX Bitcoin. 
A few days later the order was filled. As soon as the order was filled I went to transfer the Bitcoin to a cold wallet, for security purposes. It appeared that the transfer was all set but I never saw it in my wallet. After awhile I checked email and saw that Coinbase had stopped the transfer. I made several attempts but kept getting a message that I was restricted from sending Crypto for 90 day. It stated that this was to protect. After several chats and phone calls there were no changes or reasons given. The more I pushed Coinbase to rectify the situation the more restrictions were put on my account. Coinbase has now locked up my remaining cash balance and my XXXX Bitcoin. 
I need to be able to get my funds and assets. Coinbase has essentially stolen my lifes savings and nobody is doing anything. 
I hope that you can assist in this matter. I have filed a complaint with FINRA. They referred me to SEC. SEC sent me to CFPB.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I went into America First Credit Union and requested stop payment for 6 different payday loans and two of them still processed. 

I am now - {$570.00} in my account and I need to be refunded. How do I proceed?
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Law 15 u.s.c 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Capital One ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I am disputing my alleged debt from capital one credit of {$1000.00} from XX/XX/2022. XXXX off closed account.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (OH)

I was never able to use this card one time. It has a block on it for 3 months. The bank requested I send them a copy of my driver 's license. I already did that 4 times via fax and postal mail. They still did not remove the block and i already had to pay {$76.00} in fees and can not use this card. It is called Indigo Mastercard issued by XXXX XXXX.
Consumer complaint received 2023-11-20
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)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (NY)

Ive disputed this multiple times with credit bureau and this still remains on my credit. I have lived in the same place since XXXX. I did not apply for rental properties. So, here is my FTC identity theft report and my complaint from the CFPB.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (TX)

Please apply these laws to the following account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2023-11-20
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. (MI)

un authorized inquiries 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
Consumer complaint received 2023-05-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

There is a report from XXXX for the amount of {$710.00} as debt which is being double reported at XXXX XXXX XXXXXXXX for {$710.00}. I have filed multiple disputes and they have not been resolved.
Consumer complaint received 2023-04-11
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. (FL)

TransUnion sent notice that it did not appear that my dispute " didnt appear that I sent the dispute to them by me and they wont process my dispute. I, XXXX XXXX, am demanding my dispute be investigated and completed within the lawful timeframe.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There are several concerns I have with XXXX, Transunion and XXXX. 

There is an account from 2014- XXXX XXXX  XXXX XXXX - that has been there since 2014. I've requested for this information to be deleted withing the law, and none have ever removed anything. 

How can this continue to occur?
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

Since 2017 my id and social security card were stolen and multiple banks and credit cards opened and checks were cashed under my name that was not me. Now I am in XXXX XXXX and cant open a bank account or credit card.
Consumer complaint received 2024-04-11
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, 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. (NC)

FTC Report Number : XXXX FTC Report Number : XXXX FTC Report Number : XXXX Defamation to my character and livelihood and I'm trying to purchase a home. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (NC)

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 : Account # 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 2024-04-11
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had two fraudulent purchases on my account in the last 30 days and I have had a fraudulent payment made to my account. This company is ridiculous and people should not be able to get into my account to do this. I have already changed my password several times too. Have asked repeatedly to speak to a supervisor and I have not been given any response
Consumer complaint received 2024-01-06
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. (NJ)

It's illegal to report transaction history to my consumer report XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 15 USC 1681a ( A ) ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction History is illegal. 

I've attached a copy of my consumer report and all the items which are in clear violations are highlighted in green!
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my second time writing them 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
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously had an auto loan with XXXX XXXX XXXX XXXX however, the vehicle was totaled and paid off by XXXX XXXX insurance company. This account currently shows on my credit report as Charged Off Purchased by Another Lender however the new lender does not appear on my credit report ( XXXX XXXX XXXX XXXX still appears as the creditor, even though the remarks on my credit report state that it has been sold ). Additionally I did not receive a 1099-C from XXXXXXXX XXXX even though they have charged off the alleged debt. In accordance with the Fair Credit and Reporting Act ( F.C.R.A. ) XXXX XXXX XXXX XXXX has violated my rights under 15 U.S. Code 1681 s-2 which states that creditors and/or the banking industry are required to accurately report on consumer credit reports.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a victim of identity theft. someone have mv information and stealing money from my Bank of America account since XX/XX/XXXX and done the same thing again on XX/XX/XXXX I would like to press charges. This is harassment and I've been depressed they taken XXXX from my account Ive have the list of transaction plus claim number to help identify. XXXX XX/XX/XXXX claim number XXXX XXXX XX/XX/XXXX claim number XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-11
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-20
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

There has been improper use of my credit and there are multiple charged off accounts certificates of indebtedness which are now income and need to be paid as agreed I need this done in each of my credit reports with XXXX XXXX XXXX and XXXX
Consumer complaint received 2024-04-11
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.