davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (FL)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Consumer complaint received 2021-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

I tried to transfer 5 LTC from XXXX to Coinbase. The Coinbase site generated a XXXX address in their finicky tool instead of a LTC address. XXXX processed the transaction to the incorrect address. Coinbase withholds the private keys to the XXXX wallet and support does not respond requests for the private keys so my funds are tied up on the block chain.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (VA)

American Express card company threatened me to sign a form that will give American Express authority to get my TAX Transcript form IRS directly. I always file joint tax return. Tax transcripts also show the Social security information of my family that I do not want to provide social security of my wife and of my children to American express. My family are not the account holder of American Express credit cards. Please advise American Express to verify my income through my XXXX / pay stubs, but not through Tax transcripts. American Express has sent me the email ( see below ) to sign the form XXXX. I am reluctant to provide unnecessary information of my wife and my children. I want to also notify that my whole record has been hacked as per OPM notification. American Express has threatened me if they do not get the signed XXXX by XXXX XXXX, 2015, they will close my credit cards and that will badly affect my credit report ( negatively ). In future, I will not be able to get a job because of such negative entries in my credit report. I pay the credit cards amount due on time. 
XXXX XXXXXXXXXXXX XXXX AttachmentsXXXX XXXX ( 1 day ago ) to me Office Hours : XXXX XXXX until XXXX XXXX ; Sat XXXX XXXX- XXXX XXXX ; Sun XXXX-XXXX, Eastern Time Office Number XXXX XXXX American Express recently requested that you complete and return a tax form called the XXXX in order to conduct a financial review. The XXXX authorizes American Express to retrieve tax information. We find the review process to be a necessary requirement in order to conduct our business in a prudent and successful manner. 



Detailed instructions on how to fill out the XXXX are attached, as well as in the American Express Fax Cover Sheet. In order to avoid closure of the account, it is critical that this information be completed correctly and faxed back to us within the deadline discussed by the American Express representative.
Consumer complaint received 2021-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO. (NY)

I XXXX XXXX XXXX the consumer entered into a financial credit transaction on this date XX/XX/2013 and the BANK that would be doing this financial credit transaction is CHASE the name printed on the top left side of the financial credit transaction contract i entered into as shown in the exhibits. a consumer credit transaction is transaction in which a finance charge is involved Pursuant to 15 USC 1605 a, a finance charge is the sum of all charges in a consumer credit transaction because i know the finance charge is the sum of all charge i did not expect to see on the contract a pay by date and the payment requests that followed.
Consumer complaint received 2020-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Ballybunion Enterprises, Inc (KY)

I am writing this complaint because I believe Freedom Acceptance Corporation ( FAC ) has violated my consumer rights. FAC financed a fee called Voluntary Debt Protection Coverage ( in the amount of {$230.00} ) to my loan, in which I believe this product is in violation of the Military Lending Act ( MLA ). The another violation is of Fair Debt Collection Practices Act on this account, FAC was inaccurately reporting the balance of my account on my credit report. 

Timeline of Events : On XX/XX/2020 I saw that I had an outstanding debt with FAC in the amount of {$700.00}. 
On XX/XX/2020 I contacted FAC about this outstanding debt and they informed me that it was now with XXXX, a collection company. I knew the outstanding balance was incorrect and the interest they added to the loan was in violation of the Military Lending Act interest cap of 36 %. They were charging 56.19 %. 
On XX/XX/2020 I filed a complaint with CFPB ( Complaint number XXXX ) reporting this MLA violation on AmSher. 
On XX/XX/2020 XXXX responded that they would be returning the debt back to Freedom Acceptance Corporation. They also provided copies of my contract which shows that FAC financed in a product that is in violation of MLA. 
On XX/XX/2020 I contacted FAC and once again they have transferred my account to another collection agency, XXXX XXXX XXXX XXXX, as of XX/XX/2020. 

I believe I owe {$0.00} due to the fact that they financed in a product that is not allowed into this loan and collected 35.95 % interest on that product for the whole term of this loan. They also are inaccurately reporting the amount due on this loan to the credit bureau. In addition to they continue to transfer this invalid debt to other debt collectors.
Consumer complaint received 2018-05-07
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. (CA)

I filed a dispute with EQUIFAX regarding inaccurate credit report. I filed bankruptcy 10 years ago and this should not be on my credit report according to Fair Credit Reporting Act. EQUIFAX did an investigation, but did not resolve this issue.
Consumer complaint received 2022-12-15
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. (MO)

XXXX is reporting that I was 90 days late on 4 different loans in XX/XX/XXXX, though my XXXX payment is on time. 
I have disputed with the company, spoke to reps, mailed letters and to know avail. 
In addition : This account is a billing error. A creditor that fails to comply with the requirements outlined in the fair credit billing act forfeits any right to collect from the Obligor.

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 Defines a finance charge. I respectfully request your company provide me with the documentary evidence that clarifies this billing error.

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d0 and ( e ) of this section.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I DO NOT consent to furnishing any negative information to any non affiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court input and XXXX my versus Union of XXXX XXXX.
Consumer complaint received 2024-02-12
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. (MA)

Dear Experian, I am writing in response to the recent dispute response I received from Experian regarding my submitted dispute on XX/XX/2023, through the CFPB Complaint Portal. While I appreciate your efforts in reviewing my dispute, I would like to express my disagreement with the findings of the reinvestigation. I would like to address the following points : XXXX. Validation of Accounts : In my initial dispute, I specifically requested a validation of accounts, not a verification. However, I have not received any documentation or information from the companies you contacted regarding the validation process. Additionally, I would appreciate if you could provide me with the names, contact information, and the date and time of contact with the companies you reached out to. 

XXXX. Dispute Guidelines : Contrary to your response, I did not dispute the accuracy of the information under the FCRA guidelines. Instead, I disputed the information based on the guidelines outlined by the FDCPA and XXXX XXXXXXXX XXXX. I believe that XXXX XXXX is in violation of FDCPA XXXX, XXXX, and XXXX. Furthermore, the XXXX XXXX  account was sold and transferred to XXXX XXXX XXXX, who is currently pretending to be XXXX XXXX. This raises concerns about coercive and deceitful practices by both Experian, XXXX XXXX XXXX, and XXXX XXXX. 

XXXX. Request for Enforcement : I strongly urge the Consumer Financial Protection Bureau ( CFPB ) to enforce the guidelines set forth by the FDCPA and ensure that the necessary actions are taken to address the violations committed by XXXX  XXXX, XXXX XXXX XXXX, and Experian. It is crucial that these deceptive practices are put to an end to protect consumers ' rights and maintain the integrity of the credit reporting system. 

In light of the above points, I kindly request that you review my dispute once again, taking into account the FDCPA guidelines and the violations I have outlined. I would appreciate a thorough investigation into the inaccuracies and fraudulent items on my credit report, as well as the actions of the data furnishers involved. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution of my dispute. Please keep me informed of any updates or additional information required.
Consumer complaint received 2020-02-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

This is the last resource that I am taking to try to solve this issue. JP Morgan Chase Bank is reporting a late payment on my credit report from for XX/XX/XXXX on my Mortgage Chase account # XXXX XXXX, highest balance {$530000.00} I am requesting that JP Morgan Chase Bank Mortgage remove the late payment from my record. The reason : that late payment occurred due to a serious health condition of a family member. ( See Attached proof ) My dad was hospitalized on XX/XX/XXXX. The hospital decided to let him go home XX/XX/XXXX but unfortunately, he had to go back to the hospital on XX/XX/XXXX because his health condition got worse. I am the one on my dad 's XXXX. I was under severe taking care of him, and my dad 's XXXX  needed to be XXXX. This has been a very difficult situation and it has had a big psychological impact. 

One month later all this started, I found that I was late on the account. I immediately made the payment but by that time I was already marked late. I have a perfect record of on-time payments since XXXX, date when the account was opened, and this is an account of over {$500000.00}. By the time that all this happened, I had over {$50000.00} in the bank, which was more than enough to make the payment. The late was not because of a money issue or ever worse, because I did not want to pay. 

Again, this was a situation that I could not control. This is causing me health issues myself. This situation is overwhelming, its really stressful. Also, my dad feels guilty because of this. This is causing family issues as well. It was my priority to take care of my dad when all that happened. Again, I have never been late on my account. I believe I deserve to have this late payment removed. 

I hope to have a positive answer. As I mentioned before, this is my last resource. I already checked my credit reports and the account has not even been investigated or marked as disputed. Also, I did not receive any mailed notification when the payment was reported as late. These are three serious violations under the FCRA. I am willing to take this to the next step and let a court decide about my situation. 

Thanks to whomever reads my complaint. 

Please forward attached documents to Chase : - Letter faxed to Chase, which they ignored - Fax confirmation - XXXX Bank statement showing funds - Proof of hospitalization ( letter ) - Pictures of family member hospitalization
Consumer complaint received 2019-10-13
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. (DE)

Fraud Inquiries on my Equifax report from these Companies i did not authorized from XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX on XXXX and XXXX and XXXX also XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX AND XXXX XXXX XXXX
Consumer complaint received 2024-02-12
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. (TX)

XX/XX/2024 inquiry made on my credit report without my consent I am opting out of my information being furnished to any credit reporting agency without my written consent under the fair credit reporting act this is a violation for any negative information to be furnished as it is impacting my credit negatively as well being a reason why I am being denied credit this is another violation under the equal credit opportunity act
Consumer complaint received 2020-02-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CT)

We have a safety deposit box with Wells Fargo Bank N.A., branch location, XXXX XXXX XXXX, XXXX XXXX. XXXX. A letter dated XX/XX/XXXX was received stating that this branch will be closing XX/XX/XXXX, and all boxes need to be closed by XX/XX/XXXX or the box will be drilled & contents secured at a central repository. We reside in XXXX  for 6 1/2 mos. out of the year and will not be returning to XXXX  until the end of XXXX, XXXX. 
We are able to access our deposit box by the end of XXXX. We are not comfortable with anyone opening the box & the removing the contents as there are personal & private items contained there & thats the reason why we chose a safety deposit box to begin. I called the branch involved and was told this is our only option. 
Thank you for your help and consideration in this matter.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WA)

A debt that I never owed from XXXX XXXX was just updated on my credit report from XXXX XXXX. I have never had this debt but they continue to harass me about it without showing me proof of my old account they claim I had with XXXX XXXX. This dropped my credit score. XX/XX/2018 it says it was opened. I received a letter from them saying they will accept half the amount if I paid them.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (NY)

the account is closed and thee collection company keeps reporting it as new and updating late payments every month. no one has sent me proof of the balance reported is correct. It is affecting my credit report by showing as active and open. It should be a closed collection account. The credit reporting is incorrect.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (TN)

I have been listed as the Executor of my parent 's estate ( XXXX and XXXX XXXX XXXX ) in XX/XX/XXXX. Ascension Point Recovery did send me a notification of 2 accounts that has been placed with them thru the mail. A female representative called me in the early part of XX/XX/XXXX. I explained to them my parents probate has been closed. The representative did mention she sent a claim to probate. The female representative starting asking me if my parents had any assets ( house, bank account, car ) etc. She also asked my why did they open a probate case. I felt the question was very inappropriate and illegal. I would like this company to be reprimanded.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

Back in XXXX I found on my credit reports this XXXX collection. I have had it removed from my XXXX  report finally but now my XXXX and Experian are still screwed up. XXXX handled the XXXX  or it ' because I have credit monitor but they should handle it too. but here is the point. the address on the bill is not mine. I've never had XXXX nor would ever in my life would I now have. I would in my opinion have others never use XXXX has they lack the ability to fact check and I will continue to report them to every because I can find until this is resolved because this has caused me financial hardship. because I was in the process of combine debt and now it is even worse due to them. i should not have to be made victim twice for their stupidity. i should not be inconvenience for their inability to do their job.
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Was garnished by attorneys for debate owed to capital one bank. Went to court about the garnishment and the attorney office agreed to a settlement of {$1600.00}. I paid debt to attorney office that said they represented capital one.XXXX was attorney office. At court proved I never received notice of debt or a garnishment so they had to stop all collection actions. However Capitol one continue to report on my credit debt. When I call them they refer me to the attorneys office number above. contacted negotiated a settlement and paid it. So the agreement was settled and paid as agreed is what should reflect on my credit report. Since Capital one knows I am trying to by a house they are intentionally affecting my credit. I have not had an account with them over 6 years now they are starting to have different collection agencies call and send me letters. Issues and matters are resolved and paid for. Capital one written the debt off and negatively impacting my credit when they gave another permission to falsely lie and say debt will be paid. I paid XXXX financial on XXXX who was to also report balance paid as agreed and zero out debt. paid them {$1500.00} paid capital one attorneys {$1600.00} I have called both places and asked to have removed and contacted XXXX and XXXX and XXXX to remove and dispute. i provided receipts this should be removed from my credit. Because they lied I was made homeless on XXXX because my wife and I sold our house relocated and had a home under contract when theses creditors did not keep there word adversely effected me. Capital one will allow an attorney to settle debt but still report the balance and sell the settlement to another collection agency.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I have contacted the 3 credit reporting agencies by mail 2 times in regarding the negative accounts on my report. I requested Verification and they have failed to do so. i sent the letters on XX/XX/2019 and XX/XX/2019 and have received letters back stating that the accounts were verified but failed to inform me on how they verified his information. so without proper verification I would like the negative accounts deleted promptly. If the accounts are not dealt with in a timely manner then I will exercise my right as a consumer protected under the fair reporting act and seek litigation.
Consumer complaint received 2020-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

I was in a grace period after I graduated, but couldn't find a job so I applied for an IDR plan. I turned all of the documentation in well before my due date. The website states it will be processed on XX/XX/2020 and it's been on hold ever since. I keep calling and get told the run around. They keep saying I don't owe anything but can never send me it in writing. I log in and it says I owe XXXX and change due XX/XX/2020. I've repeatedly told them I can not afford that, it's over half of my gross income. They refuse to process my IDR application.