davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2021-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc. (NC)

I sent out dispute letters on XX/XX/2021 Which was over 30 days ago to Complete Credit Solution, my complaints was to have debt validated and proof to collect debt in my state. I have never had an account with this complany. I have ask for proof of my wet signature and this company has yet to provide that. I also sent a second notice on XX/XX/2021 which also was well over 30 days ago. Failure to provide proof also. I have not heard from this company since then. XXXX, XXXX, and XXXX is also reporting this information inaccurate STILL after disputing with them multiple times. They also have failed to provide me proof.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2019-12-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (AL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has  been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-10-19
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. (SC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX 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 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (TX)

According to the FDCPA 15 USC 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Taking or threatening to take any non judicial action to effect dispossession or disablement of property if - ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property or disablement,,,, By not following those simple rules they have VIOLATED my federal consumer rights. Also a collection account written off is likely referring to accounts receivables that a company deemed to be uncollectible and are removed from the general ledger account. Therefore, there will be no amount left to pay any of the {$18000.00} that I allegedly owe to the company. The company wrote off the uncollectible account by crediting Account receivables for {$18000.00}. So stating those facts the IRS states that income shouldnt be report to a federal consumers report, and should request 1099c form.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (NV)

To be truthfully honest with you I have no idea whats going on what came up on my report but I was denied a job that I really needed and Ive never been denied a job before so Im just confused and Im like left in the dark. I recently moved states and have moved around things went missing or were ordered without consent. Slowly but surely life is gon na make me kill my self cuz Im sick of everything life is throwing at me. Im fed up and hopefully this isnt the last straw for me but life always seems to XXXX me over
Consumer complaint received 2022-12-14
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2024-03-04
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/18 I used the XXXX feature on the chase mobile app to deposit a check for {$360.00} because I don't have a car and getting to a branch was inconvenient. I was then told that they refused to process my deposit in a timely manner. I spoke to a supervisor and was told it would be over 24 hours but that the check will be out of its pending status by end of business day or XXXX, and at that time they could issue a credit for the check amount. I asked if I could instead go into a branch in person to get it cashed instantly and I was told yes. I walked XXXX minutes each way to the branch located at XXXX XXXX XXXX XXXX XXXX, UT just to be told it was impossible since it was still pending and they rudely turned me away. I called back and another agent told me I could just overdraw my account at an ATM. So I literally spent another XXXX minutes each way walking back to the bank 's ATM for the transaction to decline. I called again and was told my account wasn't authorized for overdraft. At this point, it was after XXXX so I asked why the check was still in pending status and I was told the end of business day was actually midnight. So I asked for another supervisor who explained that she would file a complaint about all the misinformation I received but ever so rudely told me she would do nothing to help me actually get my money. So I asked to speak to someone else if she wasn't even going to try and help me. She told me there's no one else to speak to and my call ends there, then she rudely hung up on me. I called back to file a complaint against her and was promised I was being transferred to another supervisor named XXXX XXXX. Next thing I know, the automated system is saying " press XXXX to fill out a survey or please hang up now. '' meaning that they literally hung up on me while trying to file a complaint about being hung up on. The lack of customer service, the misinformation and the rude behavior I received from several Chase employees is terrifying and just plain wrong.
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

The history of what occurred is as follows. Around XX/XX/XXXX I transferred {$500.00} from my bank account to my coinbase account and purchased XXXX XXXX, using coinbase. I then transferred this to my Coinbase wallet from my coinbase account. This XXXX XXXX was used in a mining pool with metaminer and stayed in the wallet and it stayed there. I withdrew a portion of this to ensure there was no issues with my coinbase wallet. There appeared not to be. On XX/XX/XXXX I deposited approximately XXXX USDT From my coinbase account to my coinbase wallet to store XXXX XXXX. On XX/XX/XXXX, it just disappeared and somehow, coinbase allowed this to automatically happen and allowed automatically transferring these funds to metaminer. XXXX would not release without ransom fund. I contacted metaminer and they attempted extorsion for {$30000.00} XXXX. I thereafter telephoned coinbase as I did not approve this transfer. XXXX - Call for US Coinbase Support from XXXX at XX/XX/2022 XXXX XXXX No steps were taken by the company based on my conversation and I am fully aware that Coinbase must be is aware of such nefarious site, but had nothing in place to protect clients from this. XXXX metaminer had direct access to my wallet. Coinbase, automatically transfer funds from coinbase wallet to metaminer and Coinbase denied responsibility. I have filed a follow up complaint [ Reply ] XXXX # XXXX - Complaint # XXXX and this is follow up to that. 
Since that time I have worked with a 3rd party payback LTD and we have drafted letters and have reached out to Coinbase on numerous occasions explaining the situation and need for them to take responsibility for this fraud as there was absolutely no protection and funds were automatically transferred to this nefarious site. Coinbase, stated although the metaminer site hacked their wallet, they had no responsibility for this and would not assist in funds retrieval.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (NC)

Someone accessed my account, moved money from saving to checking, then submitted XXXX telechecks against my account to XXXX totaling {$5000.00}. They also tried to open a car load, and additional accounts at XXXX and XXXX online banking institutions. All transactions and accounts have been stopped, closed, or disputed. No money actually was stolen, but now have 30 letters from a Collection Agency ( TRS Recovery Services XXXX Inc ). They are trying to collect the money from the me for the disputed charges to XXXX from me. The letters were received only XXXX weeks from the attempted transactions to my account. My credit was frozen as soon as I learned of the attempt on my account.
Consumer complaint received 2022-03-23
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. (AZ)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; .The account : XXXX XXXX Balance Owed : {$11000.00}.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

I called the debt collection agency the morning of XX/XX/23 to ask them to write a release of debt letter following a payment in full that I was offering to pay to settle the account. I had already been in contact with the original creditor and had been emailing them back and forth for months regarding this bill and then got sent to collections and didnt receive a statement or bill regarding the collection until it appeared on my credit report this week. Debt collector said they could report account paid in full but not remove collection from my report and to call the original creditor which is XXXX XXXX. I called them next this morning and was told the same story about how they couldnt remove it from my credit report despite full payment. I told them both I had proof it could be done and they were lying because I had it done 2 years ago from another debt collector company. I paid the balance of {$300.00} in full with XXXX XXXX and now need to get the debt collection agency to remove this collection from my account entirely since I paid the original bill with the creditor and bypassed then all together. Also the bill I paid was already reduced {$150.00} because of a fraudulent cancellation fee added to it. My ex gave me a 5 day notice to vacate our shared home with my kid and then cancelled utilities and stuck me with the bill in full. Thats the situation I had been going back and forth with disputing that the charges were even mine to begin with. Please remove this collection from my account completely and since its paid in full.
Consumer complaint received 2022-10-19
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account Number ending XXXX. This account was closed by the bank due to none payment. This financial institution has committed fraud and needs to be held accountable. While the account was open and after the bank closed the account, on several occasions NFCU, without actual authority from me or any other authorized consumer with access to this account, initiated transfers that were done by a person other than the consumers authorized on the account.These unauthorized initiated transfers happened from XXXX through XXXX from my checking account XXXX into the account ending XXXX. The actual dates and amounts are as follows : XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$150.00} ; XX/XX/XXXX {$11.00} ; XX/XX/XXXX {$37.00} ; XX/XX/XXXX {$54.00} ; XX/XX/XXXX {$55.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$14.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$10.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$110.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$24.00} ; XX/XX/XXXX {$60.00} ; XX/XX/XXXX {$960.00}. The total amount that was fraudulently taken from my checking account by an unauthorized electronic fund transfer is {$2200.00}. 
According to Electronic Funds Transfers ( Regulation E ) ; 12 CFR 1005.2 ( m ) Unauthorized electronic fund transfer Navy Federal Credit Union committed an unlawful act. According to 12 CFR 1026.12 Special credit card provisions. ( d ) Offsets by card issuer prohibited ( 1 ) General rule. A card issuer may not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. 
They continue to cause my phone to ring harrasing, anoying and abusing anyone who happens to pick up my phone. This is a violation of Telephone Consumer Protections Act, 47 U.S. Code 227 and I want it to stop immediately. 
I do not agree with what has happened to me and I need someone to help me. This has caused me stress, sleepless nights especially after losing my job due to COVID and not being able to find another job. If banks can committ fraud and nothing is done about it, I do not feel safe as a consumer using banks and allowing them to have access to my personal information
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-10-19
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. (FL)

n accordance with the Fair Credit Reporting act XXXX CREDIT 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-19
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. (GA)

This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX Balance : {$20.00}.
Consumer complaint received 2022-05-13
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: PNC Bank N.A. (AL)

I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for these creditors to pull my credit. XXXX XXXX XXXX  XXXX  ( XX/XX/2021 ) PNC Bank ( XX/XX/2021 ).