davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights15 U.S.C 1681b ( a ) ( 2 ) [ 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$3700.00} for services I never used and refuse to remove it from my credit report, in direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NC)

FOR SEVERAL YEARS I HAVE BEEN A VICTIM OF ID THEFT. REPORTED TO FTC, LOCAL AUTHORITIES, & CREDIT BUREAUS ACCOUNTS WERE REMOVED ONCE & DEBTOR HAS REPORTED DEBT AGAIN BUT LISTED UNDER ANOTHER NAME. THEY EVEN HAS IT LISTED AS A DEBT AND ALSO REFERRED TO AND LISTED UNDER COLLECTIONS ON CREDIT REPORT. I HAVE NO KNOWLEDGE OF THIS DEBT AT ALL. THIS DEBTOR HAS SOMEHOW FOUND MY PHONE NUMBER AND CONTACT ME ON SEVERAL OCCASIONS, I PROVIDED POLICE REPORT & NOTIFIED THEM THAT A FREEZE HAS BEEN PLACED ON MY REPORT DUE TO ITEM BEING UNKNOWN. THEY TOLD ME THAT THIS DEBT BELONGS TO ME BEING BILL WAS PAID SOMEWHAT BUT I HAVE NO INTEREST IN THE STORE WHATSOEVER AND ASKED THEM TO CONDUCT A FULL INVESTIGATION OVER AND OVER TO CONCLUDE THAT I AM NOT RESPONSIBLE FOR THIS DEBT. SO THE OUTCOME WAS TO REPORT IT AS A DEBT UNDER ANOTHER NAME AND ALSO TO COLLECTIONS SO I HAVE THIS LISTED TWICE AS A DEBT AND ALSO AS A COLLECTION ITEM. THE AMOUNT OF THE DEBT AS REPORTED IS {$1000.00}. THE REPORTS WAS FILED IN 2014 ON 3 DIFFERENT OCCASIONS.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (WI)

Today ( XX/XX/XXXX ) I received an email from JP Morgan Chase Bank stating, XXXX, Thanks for applying for a Chase credit card. 

This was not sent to my personal email but actually my parents email. 

XXXX XXXX XXXX XXXX Parents Email XXXX XXXX I did not apply for this card and Im worried someone else may be trying to open this card in my name. I can not contact Chase about this as theyre closed, its past their call center hours, and I cant stop in tomorrow ( XX/XX/XXXX ) because it is a Sunday. I will attempt to contact them on Monday or stop in to XXXX of their locations. 

Additionally, I received an update via email today ( XXXX ) from XXXX stating my credit file has been updated. Upon looking in to the update it says, JPMCB CARD SERVIES got a copy of yourXX/XX/XXXX Credit Report.. I do notice services is misspelled. Not sure what that means or alludes to. 

It goes on to say, JPMCB CARD SERVIES made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months.. 

The point is, I did not do any of this or authorize any of this to happen. I do not bank with Chase nor have I ever.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XX/XX/2021 I had XXXX. Due to my illness and delays of service by the US Postal Services, I was late making my XX/XX/2021 payment. 
I made XXXX payments in XX/XX/2021, and paid the account current, however the issuing company then said I was 60 days late, this is incorrect. 
My prior payment history was excellent, without any late payments before or since this one, isolated incident during the height of the XXXX XXXX pandemic and illness on my part and Postal Service Delays. 

I can not help these XXXX issues affected my XXXX time ability to not pay on time.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These names are incorrect and should not appear on my credit report. This is a direct violation of my rights and needs to be deleted immediately. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX These address are not accurate nor have they ever been. This is a direct violation of my rights and needs to be deleted immediately XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX This employer is not correct and needs to be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was in a XXXX XXXX XXXX XXXX XXXX, while in the XXXX  i had to replace my credit and debit cards. my account was set up on auto pay. when i iwas in the XXXX i had to cancel my debit cards and others due to them being lost. my payment was processing from the previous card that was closed out and my account was late and i had 3 returned payments advised the capital one, and requested for something to be done
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

After spending several exhausting hours of trying to resolve the outstanding problem over the phone that Comenity Bank inadvertently applied incorrect payment amount of {$56.00} to my Ann Taylor account in lieu of my XXXX check # XXXX of {$150.00}, XXXXXXXX XXXX  has confirmed to me and provided copies of my XX/XX/2023 statement that Comenity Bank submitted my check # XXXX for payment of {$150.00} on XX/XX/2023. The problem is my payment of {$150.00} was not applied to my Ann Taylor XXXX statement and an incorrect amount of {$56.00} was applied to my account instead.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 an 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 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX/XXXX  : XXXX/XXXX
Consumer complaint received 2023-09-08
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. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 an 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 2023-08-17
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. (DC)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX  is reporting inaccurate information on my TransUnion credit report. They are reporting a balance of {$5100.00} but the account is actually closed because they sold the account to XXXX and my new balance is {$3700.00}. Ive disputed multiple time but TransUnion is the only credit bureau thats saying the account is verified/accurate but XXXX and XXXX have both deleted removed XXXX from my credit report profile
Consumer complaint received 2018-04-30
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: Conn's, Inc. (TX)

On XX/XX/XXXX a letter I sent to Conns Credit Company requesting validation of an alleged account in my name was signed for via certified mail. It is required by federal law that a notice of dispute is to be placed on any account within 30 days of a dispute in which Conns Credit Company failed to do. I have retained a copy of signature and date of receipt as well as a time-stamped copy of my credit reports, showing that Conns has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. A follow up letter was sent and was signed for on XX/XX/XXXX stating that FCRA rule had been broken and a deletion of the trade line was required. I received the exact same letter from Conns Credit Company ignoring my request, and to this day a notice of dispute has not been placed on my credit reports nor has it been deleted. Due to the fact that Conns has violated the terms of the FCRA I am requesting a deletion of this trade line from my credit reports.
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXXXXXX XXXX  keeps contacting me about a debt i do not owe {$1200.00}. I have called in many times over the years to tell them that is not mine i have never had an account with the original creditor Bank of America and they stop for a while then continue to send me out written notices about the same account that i have already said i don't owe its been going on over seven years now i just found out about this resource your company offers so i reached out to get this resolved its not being reported on my credit so i couldn't file a dispute about it. its really just annoying at this point. 

XXXX  Reference number XXXX account number XXXX
Consumer complaint received 2020-05-16
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX  XXXX XXXX   XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX
Consumer complaint received 2023-09-08
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 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 an 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 2022-12-07
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. (PA)

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 Account Number # XXXX 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 2018-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Coinbase/XXXX is the same company, I will be referring to them both by using Coinbase. 

I am a customer of Coinbase. On the XXXX, I made a transfer in cryptocurrency from an external company ( XXXX ). The amount transacted was XXXX Litecoins ( worth roughly {$1300.00} at the time ). I sent Litecoin ( a form of cryptocurrency ) to XXXX, to an address that I was supplied for funding my account, and they failed to update my account to indicate the receipt of that transaction. 

While I did make the mistake of using the Bitcoin deposit address instead of the Litecoin deposit address, a small mistake like that should not release Coinbase from their obligation to their customer. 

The issue here lies with the fact that for some reason the address that was supplied by Coinbase works for both Bitcoin and Litecoin, the odds of which happening are very low. In this case Coinbase is the owner of both wallets so they have full capability to correct this matter. 




The transaction may be seen here : XXXX XXXX XXXXXXXX The details for the transaction ID may be seen here : XXXX XXXX XXXX XXXXXXXX The correct transaction is on line 7 : " 7 : Not yet redeemed - XXXX - XXXX LTC '' You can see that the account was credited the amount in question on the XXXX and there are no outputs, so the money is stuck on an account that Coinbase owns. 

It can also be verified via my Binance and Coinbase accounts. Funds were sent and never received. 

I contacted Coinbase immediately on the XXXX. I received an automated response on the same day which provided me with no assistance. I escalated the matter further and received a response on the XXXX that they can't do anything about this. This is unacceptable as from a technical standpoint they as a company are the only entity able to correct this issue. 

I demand that they rectify this issue and transfer the amount I sent to them ( XXXX Litecoins ) to my Coinbase account.
Consumer complaint received 2021-05-11
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. (PA)

Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to EQUIFAX, XXXX and XXXX  asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called EQUIFAX, XXXX  and XXXX as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I disputed a charge of {$9.00} from my cellular carrier who frauded my credit card 2 times before I changed services to another provider once I was sure they committed the fraud using XXXX XXXX charges which I never used. They also interfered with my wireless service which Bank of America was fully aware of since they requested, I make out a police report as I did and uploaded the copy to them. 

Now I am set up with auto pay out of my checking account so I'm never late on a payment. This is the second time in XXXX that they are harassing myself for filing CFPG complaints. My business credit card ending in XXXX has a late fee of : XX/XX/2023 Hide additional information for activity type Fee {$39.00} LATE PAYMENT FEELATE PAYMENT FEE activity type Fee {$39.00} {$580.00} Transaction XXXXTransaction type : Fee These are harassment issues and Deceptive Practices of Bank Of America using my business credit card .