davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Credit card or prepaid 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. (RI)

Let me start with I have perfect credit. I pay my bills on time and have little to no credit card debt. So I want whoever is reading this to understand that I am not a disgruntled customer because of high credit card bills rather angry with a dishonest company utilizing sketchy practices to potentially harm their customers. 

I permanently opted out of all credit card offers several years ago. I dont want nor need them and I do not want their pre-filled checks out there in the mail. Last week - XX/XX/22 Chase reactivated all direct marketing activities on my account. I contacted them immediately informing them they were breaking the law due to this action. They indicated I had never opted out even though I have not received offers from them for years. I had opted via the FTC opt out process years ago for all credit offers and have not received any until this one last week. I then told the CSR they were creating risk in sending checks to me with my name and information on them as anyone could intercept and use these checks. She responded that was highly unlikely despite the envelope they arrived in being bigger than usual and containing multiple checks. After much back and forth the CSR agreed to restate my options and that I would not receive any further marketing communications. 

Today I came home to a letter from Chase informing me of the timeframes it would take to this which in some cases is three months - see attached. I called them just now reiterating that they were breaking the law as I had already opted out of this years ago and their marketing team had now opened this again for myself and I am sure many other Chase customers. And she refused to do anything to resolve this issue saying that because I just opted out last week they had the ability to follow this timeframe for the next 90 days. I told her I was calling the CFPB and that they were breaking the law but she stated there was nothing she could do. I told her I would inform the CFPB that they were refusing to fix this and that this probably has happened to any Chase customer who had previously opted out. She acknowledged my concerns and the call ended.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2023-10-19
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions Chapter 7 Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (TX)

I want to submit a formal complaint about Coinbase because the labels and warnings are misleading. I sent XXXX in the amount of XXXX ( {$550.00} ) on XXXX XXXX AM +UTC ) to a wallet address from XXXX to Coinbase on the XXXX XXXX ( very common for people to do this ). The company does not list the correct XXXX  network which is XXXX XXXX XXXX XXXX  before processing the transaction on the Coinbase app. The company customer service stated that Coinbase does not support this network for funds received to this brokerage over the specific XXXX XXXX. The funds are locked in a wallet with my money that the company will not release back to me. The company only states on the warning to not send a wrapped token to this account and not a token that is pegged to that token. These are slightly different in terms of what the definition of the two are. I sent this XXXX XXXX XXXX XXXX to the wallet address that Coinbase listed for me to send it to. I feel like what Coinbase says before receiving a token on a network is a misleading statement from the company and does not take due diligence for their customers who pay high brokerage fees to buy cryptocurrency on their brokerage service. With the Understanding of networks that Coinbase has with the years they have been involved in the business Coinbase should list the only network their company can receive crypto would be fair practice. Coinbase has the funds within their brokerage but refuses to allow me to hold the funds within my brokerage wallet because its not a supported coin transfer. The company has the capability to issue and convert the said coin into the correct currency on a fee basis that exchanges these transactions with other partner companies. The company refuses to exchange the currency and support it because the fees would pay their competitive business. Im conclusion the wallet on the brokerage that I sent the XXXX XXXX XXXX to should allow me to show my funds that Coinbase does not want to convert and allow me to move this coin on to a different wallet where I can pay a fee to convert this token if Coinbase does not want to pay fees to their competitive company. 

Only send XXXX  to this address is misleading because a XXXX token is the same as the actual token. The exchange is 1:1.

In the other picture I attached Coinbase does not mention the correct network specifically which to use to send XXXX to. Coinbase should list XXXX only on the label of the warning. This leaves people guessing because XXXX can be sent on many network platforms.
Consumer complaint received 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUMMIT FUNDING, INC. (AZ)

I have been struggling to get caught up on my mortgage for about 2 years as a result of a divorce and now job loss. I lost my job at the end of XXXX of last year. This has gotten to the point where I am overwhelmed. I decided to reach out to Summit Funding to apply for a mortgage loan modification. I submitted the packet along with supporting documentation. 

I called and spoke to someone at Summit regarding a letter I received stating that I hadn't provided 30 days worth of pay stubs. I explained that I had just started working and I didnt have 30 days worth of stubs. The person I spoke to stated that I need simply send in a letter of explanation stating the reason for the lack of stubs. I submitted the LOE in plenty of time. I thought I'd call and check the status today and was told I'd been " disengaged '' for a lack of documentation. I explained what had happened as was told too bad so sad. 

Aside from them closing the application, they have a horrible system. Every time I call I have t start my story all over again. I can't tell you how many times I've heard " it looks like '' from a Summit employee. There is no single point of contact. I thought the whole point in creating such a system after XXXX  was so that a person familiar with the file would serve as my POC. They have also hit m with all sorts of fees. The best one was a bill for almost XXXX after they supposedly sent someone by to see if the place was still inhabited. No one ever came by and if they did, there is no way to tell from the street. It is a condo with zero visibility inside from the street! 

I need help. I couldn't even get a supervisor in a timely manner so I decided to initiate this complaint. I need help please!! 

Regards, XXXX
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

So Venmo took my money/ froze my account today. For no reason didnt receive an email which is my right and the law, if my money is going to be withheld! I never had issues before until recently. Its like when people are receiving money then they want to take it! 

I drove two hours yesterday with Barely no gas and no money, to do a friend a favor on XXXX by painting her kids face for a party. She gave me some money. And I transferred to my other account, but decided to keep it in my original Venmo account to use the debit card for gas to make it home today I go to use my card and its declined. So im like ok my card must be locked. Go to unlock and try again. DECLINED.. so I say ok let me transfer to my bank and use my bank debit card.
Consumer complaint received 2024-03-12
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)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. (NJ)

Please Im reporting this case because, I just found out someone is using my personal information to apply for loans or credit cards which are not authorized by me and so causing hard enquiries on my credit report. In the exception of hard enquiries made by XXXX XXXX XXXX  which is authorized by me, any other enquiries isnt authorized by me. I contacted one of the credit bureaus and was directed to launch my complain here. Please I hope this can be solved where all this hard enquiries affecting my credit score be disputed. And looking forward to adding more security to my credit and personal information to avoid theft. 

Thanks
Consumer complaint received 2023-10-19
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XX/XX/XXXX Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2022-04-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (HI)

On or about XXXX XXXX I started the process with Freedom Mortgage for a cash out loan. Over the course of the next two months I was directed to provide documents. After each request I complied within 48 hours with the only exception is the termite inspection ( {$470.00} ) and appraisal ( {$300.00} ). On XXXX XXXX I was told my account was rejected as incomplete even though it was recognized that all documents were submitted in time. I would like compensation for costs incurred during this process that ended by no fault of my own.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance to the federal credit act. Of 15 us 1681. These accounts were effected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete immediately
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (DC)

My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. XXXX XXXX Bank allowed fraudulent charges and owes me over XXXX for fraud.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 602 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONSENT.
Consumer complaint received 2022-04-18
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. (IL)

Good afternoon I was reviewing my credit report and I dissolved unauthorized inquiries in which I never applied. Can you assist me with getting these removed today? 
Good afternoon my name is XXXX XXXX. I have evidence that my identity Was compromised at XXXX XXXX XXXX and the account opened at XXXX XXXX XXXX is not XXXX XXXX XXXX. This matter has Impacted my credit score in the worse way. I need for this Issue to be resolved as soon as possible. Attached are the documents.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good afternoon I was reviewing my credit report and I dissolved unauthorized inquiries in which I never applied. Can you assist me with getting these removed today? 
Good afternoon my name is XXXX XXXX. I have evidence that my identity Was compromised at XXXX XXXX XXXX and the account opened at XXXX XXXX XXXXXXXX is not XXXX XXXX XXXX. This matter has Impacted my credit score in the worse way. I need for this Issue to be resolved as soon as possible. Attached are the documents.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX  reporting immediately remove or block XXXX XXXX XXXX  reporting immediately on the credit reports all charges was done fraudently and illegally and XXXX  police report XXXX. They can cal XXXX for the financial fraud division.
Consumer complaint received 2022-04-18
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. (FL)

Hello, I have submitted several disputes over the past year and a half. None of the credit bureaus will update my car loan information. Due to the cares act and a one moment extension I requested, the credit burns failed to report the last year and a half of on time payments, I have submitted emails, called, filed several disputes even faxed the data proving I made my payments yet the bureaus all refuse to update this information. This is holding at least 10 maybe more points from my credit and is honestly a crime that they will not update the information. Please help! 

regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, I have submitted several disputes over the past year and a half. None of the credit bureaus will update my car loan information. Due to the cares act and a one moment extension I requested, the credit burns failed to report the last year and a half of on time payments, I have submitted emails, called, filed several disputes even faxed the data proving I made my payments yet the bureaus all refuse to update this information. This is holding at least 10 maybe more points from my credit and is honestly a crime that they will not update the information. Please help! 

regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please Im reporting this case because, I just found out someone is using my personal information to apply for loans or credit cards which are not authorized by me and so causing hard enquiries on my credit report. In the exception of hard enquiries made by XXXX  XXXX XXXX which is authorized by me, any other enquiries isnt authorized by me. I contacted one of the credit bureaus and was directed to launch my complain here. Please I hope this can be solved where all this hard enquiries affecting my credit score be disputed. And looking forward to adding more security to my credit and personal information to avoid theft. 

Thanks
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a dispute letter to Equifax requesting that they delete some personal information from my credit report that was either old or didn't belong to me. Attached along with this letter I also sent a copy of my drivers license and social security card as required but still to this day Equifax claims to have never received my letter, although I sent it certified mail and I have the digital receipt of delivery and pickup, which I will attach to this complaint. I eventually went online and got those personal items removed after not hearing anything back from Equifax for over a month but this was not the end. Not only has Equifax claiming to have never received my letter caused me emotional stress out of fear that my personal information has landed in the wrong hands, but also financial stress as I have been paying for identity monitoring services that I never would have had any need for or interest in if it was not for Equifax losing my letter with my drivers license and social security card. I have been in the process of locating a consumer protection attorney in my area as I full heartedly intend to take this matter to court but I hope that this can assist in the process, as I can not even dispute further with Equifax because they claim to never have received my 2 forms of identification the first time that I sent it so now they will not investigate my disputes at all, which I have proof of because they sent me a letter asking for me to send the forms of ID well after I already did, and I definitely am not resending my information just for it to be " lost '' once again. I have called them multiple times and have spoken with supervisors and each time they refuse to take responsibility or thoroughly investigate what happened. What makes this situation even worse is I sent the exact same 2 forms of identification to XXXX and XXXX as well and had absolutely no problems.