davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

***THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX and XXXX XXXXXXXX XXXX. These accounts were reported " Verified ''. Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ADIR INTERNATIONAL LLC (CA)

La Curacao LLC Fail to update their internal file and keep this balance on my account., account that was included on a XXXX XXXX back on XXXX, Just recently in XX/XX/XXXX I tried to open a new account just to find out that this balance dating back to XXXX with this amount pending the sales send me to their collections department. A Department who doesn't respect or ignore any rights consumers have according to the FCRA and the CFPB., After some back in fort. And an Overheated conversation with someone.in collection department XXXX XXXX with Phone Number XXXX who said is the Person in Charge of Reporting and Finally XXXX Agreed to Remove such balance only after this action I was able to apply for A New Credit Line in La Curacao just to find out that I Got Discriminated Base on Their Experienced with this Account. that they Failed to Update based on the Bankruptcy Previous Filed., Adding to., or justified. my Complaint of Discrimination my XXXX, XXXX, & XXXX XXXX, & XXXX scores at the time of my Credit Application got Acceptable Scores and Yes, La Curacao LLC Decided to Use the Lowest of my Score not the Actual Combined Score That another. Creditor with No Intention on Discrimination will use. I Just Want to Add that LA Curacao XXXX is Been subject. to Legal Lawsuits at the present Time and the Past Lawsuits Not Limited to Discrimination and Consumer Abused that the Ca Controller is Fully Aware of their Illegal Proceedings La Curacao LLC Does Not Deserve to Stay On business Since they only Due Harm to the Business Community Please Help Us CFPB with La Curacao LLC and Stop Them once and for all Thanks XXXX
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical-Commercial Audit Inc (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I have been asking for assistance from Experian in regards to getting access to my credit reports since XX/XX/2020. No one can give me a answer to why I am unable to receive my reports and everytime I call to speak with someone, they are very rude. Over talk me as the consumer/customer, they have hung  up on me today XX/XX/2020 three time. They all were supervisors. They got frustrated because they couldn't answer my questions ; keep telling me they put a ticket in to resolve the error/issue since XXXX of 2020 and now we are in XXXX of 2020. I felt like everyone I spoke to was XXXX and didn't care about me or my time after being transferred from dept to dept and on the phone for 3 hours with no help or resolution. No actions have been taken accept for my monthly membership being taken from me on a monthly basis. I just want a copy of my credit reports
Consumer complaint received 2022-11-08
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: Maximus Federal Services, Inc. (AL)

i sent out letter regarding the reports on my credit to be remove. and they fail to do You have incorrect information. You are breaking the law. 

Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

Family Educational Rights and Privacy Act ( XXXX ) The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school.
Consumer complaint received 2024-03-19
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. (NC)

This is my XXXX  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, remove 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 Balance : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

After encountering an issue with WePay payment processing services provided by J.P Morgan Chase Bank, the merchant processing service has processed XXXX payments for our business. After 3 days we received notice of payment hold and they ask to provide business documents to verify our business, We provided same documents as the bank already had them for over a year and payment cancellation notice was issued to us and for some reason the funds got held 120 days as they claim. We went to XXXX to check about his company it seems hundreeds of similar complaints are filed with same issue about this WePay business holding funds of hard working honest people. They have B- rating and I am surprised US Government hasn't started some investigations in to this matter so far about Chase Bank and its affiliate WePay services run by Chase Bank . 
This has never happened to us before after so many years in business.We use this company only XXXX time so they don't have anything to justify by closing our account. 
This company seems holding funds for long time possibly earning interest on the money somewhere offshore and scamming American businesses. 
Please start investigating them this is very strange and unusual for such a big bank like Chase ....
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am frustrated because I have called the bureaus about the inquiries and open accounts on my credit profile for the past 1-2 months and nothing has been resolved.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (MN)

On XX/XX/XXXX I received a text from Capital One about an attempted charge of {$380.00} on my credit card from a company called XXXX XXXX XXXX. I instantly texted back saying that the charge was fraudulent. XXXX XXXX attempted 3 times to assess my credit card for {$380.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One has reversed 2 of these charges but refuses to reverse the third one. 
On XX/XX/XXXX I received a letter from XXXX XXXX stating he found " no indication of fraud. '' I don't know how he came to that conclusion. He also stated that the original charges were credited back to my account which is not true - only 2 of the original transactions were credited back to me leaving a fraudulent charge of {$380.00} on my bill. 
On XX/XX/XXXX I spoke to a fraud manager named XXXX who stated ( after 2 and 1/2 hours on the phone ) that everything was taken care of and {$380.00} would be removed from my statement. 
However, the charge of {$380.00} was still on my next bill so on XX/XX/XXXX I spoke to another fraud manager, XXXX, who stated that he corrected everything. A day or two later a credit for {$380.00} appeared on my statement. 
However, on XX/XX/XXXX I reviewed my account again and the charge of {$380.00} was back on my statement. I called and spoke to XXXX, another fraud manager, who stated she would make the correction and remove the charge. 
Today in the mail I received a letter dated XX/XX/XXXX stating that I had received two refunds for the same amount so the fraudulent charge of {$380.00} is back on my bill. Since there were three fraudulent transactions I need three credits on my statement. 

This has been going for 2 months and I don't know what to do anymore. Every time a fraud manager correctly removes the charge XXXX XXXX puts it back on my bill. 
Please help!
Consumer complaint received 2020-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

RE : Case # XXXX with Coinbase On XX/XX/2020, I received a text that my password was changed and if I didn't change it, which I didn't, to respond and lock the account. I did and the account was locked and Case Number XXXX was generated. Today, XX/XX/2020, I was informed my account was unlocked and when I went back in, missing from my portfolio was XXXX Bitcoin Cash and XXXX Bitcoin, totaling several thousands of dollars. I've contacted Coinbase Support and emailed CEO, XXXX XXXX, but have not received any replies. The History on my account shows these funds were transferred out of my account without my permission within 5 minutes of my password hack, so there is a digital fingerprint. Typically when I've legitimately changed my password, there are verifications codes in advance sent to my XXXX that legitimizes my request, which also recognizes a new device if one is used. These weren't received. There is also a two factor authorization needed from XXXX XXXX unique to my XXXX to sign in to my Coinbase account that was bypassed. I want to know where my funds are. My last legitimate transaction was on XX/XX/2020. Thank you
Consumer complaint received 2023-07-25
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. (TX)

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 age
ncy 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 2020-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OH)

On XX/XX/20 my Reliacard for unemployment was deactivated without any notice or just cause by the company.I have been asked to verify my identity, multiple times and have done so 5 times and still can not access my funds.Me and my fiance, XXXX XXXX have the same issue with US Bank Reliacard.We have been stuck out of state for over a month, have missed legal proceedings and i have lost my 3 rarest stamps in my collection which are valued in excess of {$470000.00} as a direct result of this situation.To top it off, i have {$6700.00} on my Reliacard as i type this message and im living day to day and basically homeless in another state because i cant get my funds.They are ruining the lives of good people, and i just want my money its does not belong to them.Attached is the verification they asked to be provided from me and my fiance XXXX XXXX XXXX.
Consumer complaint received 2024-03-19
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. (OH)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/2023 XXXXXXXX XXXXInquiry Date XX/XX/2023 XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/2023 XXXX  Inquiry Date XX/XX/2023
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

To whom it may concern, I am in the process of refinancing with Rocket Mortgage or Quicken Loan and but they are taking forever to close my loan. The broker, XXXX XXXX said that it will take 20 to  35 days only to close my loan. I submitted my loan on XX/XX/2020 ; it is now XX/XX/XXXX my loan is far from closing. This is now over 60 days. 

I also want to report I requested to use my own title company where I can get discount but they did not honor my request which I know I am entitled. 

From the beginning I said I told XXXX and XXXX XXXX, I am interested to get cash out but later, they reduced my loan from {$340.00} to {$340000.00} because she said my loan now is not cash out refi ; I was expecting that {$3500.00} will be added on my cash out. However they will not lower my points or interest rate since it is now just straight refinance or without cash out. XXXX said there is no difference. 

The Rocket Mortgage also let me signed the closing documents on XX/XX/XXXX as I am supposed to sign it with notary ; I emailed them that what about if I found something wrong on my closing documents. No one replied to me then when I called, they told me this will help speed the process. I believe this is still wrong as I feel they are taking advantage of me. 

No one can help me expedite the process of closing my loan even I spoke to XXXX, the manager, and fixed the issue from the beginning but he didn't do anything to fix this issue or called me back at all. I don't know how long I will wait to close my loan. 

Sincerely, XXXX
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I noticed a {$700.00} withdrawal from my Chase account. After calling Chase, they informed me it was because of a mobile deposit made that was not accepted. The following day I saw the withdrawal was in fact a withdrawal slip fraudulently made in my husbands name and immediately called back to file Freud. I then checked my account for other signs and realized three other withdrawals had been made, on XXXX XXXX XXXX XXXX all made for {$700.00}. After speaking again with the chase Fraud department I learned that a person went into three different Florida banks ( I live in NJ ) and wrote withdrawal slips with my husbands name, account, and routing number and was provided access to our funds. Chase Freud department informed me that the most recent Fraud on XX/XX/XXXX would be reimbursed however the other 3 totaling {$2100.00} would not due to the lapse in time. However, it was Chase that couldnt even tell me accurately when I did call that the XXXX withdrawal was due to an in person fraudulent activity and instead provide me with the inaccurate information that it was a mobile deposit not accepted. The negligence on their part for allowing a person to incorrectly spell my husbands name wrong on the slip and withdrew money without the proper identification is irresponsible and we need to be compensated for the money that was stolen from us due to their negligence in the remaining amount of {$2100.00}.
Consumer complaint received 2022-11-07
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2020-09-30
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (PA)

I explained to Fedloan servicing that I can not pay XXXX a month because I am retired and not making enough to pay that amount I received a letter stating I only owed XXXX per month and that is all I can afford or I will get an attorney and sue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Turner Acceptance Corp. (IL)

l bought the car and he was very bad with electrical mechanics ploblems and XXXX time the car was returned to the dealer for almost killing me in the car i need to be removed because of my credit reports please that's why i returned it