davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Foursight Holding LLC (IN)

I am writing to file a complaint against Foursight Capital LLC for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : Foursight Capital has not provided validation information, but yet have placed an account with on my credit report.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the chance to dispute the account.

12 CFR 1006.34 ( d ) : and 15 UFC 1681 S 2 ( 7 ) ( A ) : A collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, which they are in clear violation of. 
This account was already removed from XXXX in XXXX of XXXX It was bought by Foursight Capital and place on my credit report without my knowledge. If Foursight Capital has proof they mailed any documentation to me, please have them supply tracking numbers or receipts of registered mail so we can track what happened if anything was sent. Simply providing documentation is not proof it was provided to me, by law.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I mailed a {$8000.00} check to the IRS on XX/XX/XXXX and it was stolen, altered and deposited on XX/XX/XXXX, unbeknownst to me. I filed my taxes XX/XX/XXXX and then received a letter XXXX XXXX from the IRS stating I owed {$8000.00} plus interest and penalties. I looked at my account XX/XX/XXXX and discovered that the check had been altered and deposited at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I called my bank, Chase bank and started the process to try and recover the money. Filed a police report and Filed a report with USPIS.
Consumer complaint received 2022-10-27
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. (NC)

This is my 2nd 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 items : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My Wells Fargo Account was clone and I got 4 separate charges that add to {$1000.00} dollar for a hair dye, some where in XXXX, I never traveled to XXXX or had done any online purchase in XXXX. I called the bank back in XXXX when I got the charges back to back on XX/XX/XXXX, XX/XX/XXXX ( 2 times that day ) and then XX/XX/XXXX. I called Wells Fargo to dispute and get the money back. they have not done anything to help me they have information incorrectly added to my account. After all this my funds have not been reimburse and Its an ongoing battle. I did the police report and the federal fraud report as well .... Me as a single mom Dont have time or money to waist on hair dye like that. need your help.
Consumer complaint received 2023-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

I am filing this complaint against cash app for allowing several different companies to withdraw money from my card without having my permission. I have filed a complaint to cash app and received no help getting my money back. These are all of the Unaproved transactions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : 5 USC 552a- The Privacy Act of 1974 : XXXX XXXX XXXX XXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

5 USC 552b- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXX lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bepensa Capital, Inc. (MI)

At XXXX am on XX/XX/year> I was contacted at the number XXXX. He identified himself as XXXX from the recovery department. The number that appeared on caller ID was XXXX. He was informed he was only to contact me via email. He said he would note that. No one has contacted me via email in the past 2 months, they continue to call. 

This is the company 's fourth violation.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (MI)

I opened the account with Bank of Montreal on XXXX. There was a {$400.00} bonus if a customer makes direct deposits totaling {$7500.00} or more within 90 days. I fulfilled that condition. However Bank of Montreal refused to pay the bonus citing that my direct deposit was NOT a direct deposit but a transfer. I provided my employer with my routing and account number for my direct deposit. I have no control what mechanism they use to send me my pay. Other banks have had no problem recognizing my direct deposit as such, only Bank of Montreal refused to recognize it.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

On XX/XX/XXXX I sent money to XXXX  through cash app for a puppy. She said she was a registered breeder and sent me pictures of her through XXXX XXXX with said license. She told me that the puppy was XXXX dollars including delivery I said ok. I sent XXXX XXXX through cash app twice on XX/XX/XXXX and thought my puppy would be delivered that afternoon. It wasn't she then proceeds to tell me I have to send her another XXXX for the crate and vaccine I said I can't afford that and she then tried to make me feel bad saying I don't care about the puppy so I tried to send it cash app stopped it saying it was fraudulent charge so I didn't continue with this I then said to cancel the order and asked for my money back she kept saying she doesn't have it she spent it already XXXX pleaded with her over and over about a refund she blatantly refused to give me a refund after canceling the order and now is trying to say I am abandoned the puppy and can't take care of it after not sending her more money to get the dog back so on so I have tried to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and message her through email and called them multiple times to resolve this problem and haven't gotten no answer for this problem.
Consumer complaint received 2023-12-14
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)

We closed on a home on XXXX XXXX the original loan went to XXXX XXXX XXXX  which had the first payment due XXXX XXXX XXXX The loan was sold to XXXX before XXXX XXXX. I called XXXX XXXX XXXX to ask about payment due on XXXX. I never received a payment coupon and I was told by customer service if it was sold before the due date no payment would be due. The loan was sold to XXXX late XXXX. Then I got a letter in XXXX that payment was due from the XXXX XXXX XXXX  I did not see the letter until early XXXX since I was in another state for the entire month of XXXX. I immediately called and they said I owed them the first payment due XXXX XXXX. I explained several times 2 people with their company told me no payment was due and I would need to do my research with XXXX  as they showed they had the full amt of the original loan. I asked the rep at XXXX XXXXXXXX XXXX to be sure to note my account and not report anything as this was not my error and I am doing my due diligence to be sure I am paying the correct company. I had trouble with getting someone from XXXX explain and show me the loan amt they paid for my loan. After I filed a compliant someone contacted me to explain. They confirmed they purchased the loan minus the first payment of XXXX XXXX. As soon as I confirmed I called XXXX XXXX to make payment. I asked that late fees be reversed and nothing show. as pass due as it was not my fault and never recieved any calls from anyone. They have reported a late payment to credit agency. I would like to have this removed immeditally. I have worked really hard to keep my credit in good standing.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/28 on XXXX website I presented with offer to sign up offer of {$250.00} egift card and XXXX free nights worth up to XXXX points for Chase XXXX XXXX credit card. I applied for the Credit Card and then noticed that the offer they actually signed me up for was different that is {$250.00} egift card plus XXXX points only instead of {$250.00} egift card and XXXX free nights. 

I reached out to customer service and they mentioned that my account has {$250.00} egift card and XXXX points offer and they do not see the {$250.00} egift card and XXXX free nights on my account. 

Here is another XXXX thread where customer ran into similar issue - https : XXXX Here is a XXXX thread XXXX other customers who ran into similar issue last year https : XXXX
Consumer complaint received 2023-12-14
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. (TN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-12-14
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. (NY)

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 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/year> @ XXXX PM : I receive a text from Chase XXXX asking if I just bought merchandise from XXXX XXXX XXXX. in the amount of {$420.00}. I respond, NO. My debit card is shut off at that point. 
I call Chase and speak to their Fraud department. In that call, the individual on the phone tells me ( didn't know anything until the call ) that I charged {$540.00} at XXXX XXXX XXXX. I tell him, no. That wasn't me. Both charges were reversed and then charged back to me. The reasoning is that I received the merchandise. I told them, then you need to charge me with Fraud. That is Fraud, period. They had no response on numerous calls I've had with them. What actually happened is the thief printed off the invoice for both purchases and physically picked up the merchandise without having provided or asked to provide an ID! So, they just walked in and showed the invoice as was allowed to leave!
Consumer complaint received 2023-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Metallicus, Inc. (IL)

This company is stealing my money! I deposited my money and tried to withdraw it they asked for documents which I provided and now I received an email saying they will be closing my account and I cant get my money until XX/XX/2024! I think Ive been scammed!
Consumer complaint received 2023-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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)

Subject : Identity Theft and Request for Correction of Credit Report I am writing to inform you that I am a victim of identity theft, and I have identified several inaccuracies on my credit report that require immediate attention. I am seeking your assistance in correcting this information. 

My current address is XXXX XXXX XXXX XXXX XXXX, Texas, XXXX ], and I have never resided at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Furthermore, I have noticed several negative items on my credit report that do not belong to me. 

Enclosed with this letter, please find copies of all correspondence related to this matter, including letters previously sent to the creditors involved. I kindly request your prompt investigation into the following matters : Verification and correction of my address to XXXX XXXX XXXX XXXX XXXX, Texas, XXXX. 

Removal of all negative items on my credit report that are a result of identity theft. I have attached evidence supporting my claim, including letters sent to the respective creditors. 

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. I request that you notify me of the results of your investigation and provide an updated copy of my credit report once the corrections have been made. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

on XX/XX/XXXX i cashed out of cashapp and its was never deposited to my account i filed a claim and never heard anything back until XX/XX/XXXX i received a email stating they determined i was owed a courtesy payment of {$5000.00} and i would have to make a new cashapp to receive payment because my account was closed i replied and stated i was unable to make a new on because i was in violation of their terms i went on to make the new cash app with the cashtag name @ XXXX and sent them the info and called i was asked to verify my information and the cashapp was closed after i received a email stating they deposited the funds to some one else account with cashtag @ XXXX they didnt verify my personal information or anything when doing so i emailed multiple times to have it corrected and i kept getting the run around now iam being told they can not give me any more support and will be closing my case
Consumer complaint received 2023-09-06
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am XXXX getting so fed up I seen to be getting no help I have a son were In transitional housing it's just me and him we stay XXXX ca XXXX XXXX XXXX XXXX CA I am in need of help my social security and every thing I try and nothing I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  payout stimulus go 2 bank XXXX XXXX  acc everything is gone I think I fixed one problem I XXXX can't and haven't received no payments I am begging u please help me I don't know what to do I feel like XXXX cutting my XXXX throat I am struggling with my son please contact me XXXX I can provide valid id social I can't do video call please someone help me
Consumer complaint received 2023-12-13
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. (CA)

When I reviewed my credit report, I discovered that some of my personal information was inaccurate The only address that should be reporting on my file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also found inquiries that I don't recall giving permission. The following needs to be investigated and corrected for erroneous reporting in my file XXXX XXXX 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 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (PA)

I have over XXXX in my CashApp and I dont have the old phone or email I had when I made the account so I have no way to verify the log in but I have proof of identification I have state ID card past bills and I know the password to the account I just cant get past the verification I have tried to call multiple times theres no way for me to sign in or get the funds from my account and I need to access my money. I have XXXX XXXX  proof to verify who I am just not an old phone and they basically said I cant have my money that I know is there. Thank you, I just really need help.