davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (TX)

Was given pre-approval notifications for loans and credit cards for over the last 2 years with Credit Karma and have been denied for all of them. This has dropped my credit score instead of helping me.
Consumer complaint received 2018-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

This is worst kind of company incompetent and totally out of compliance! Do not call or ask this company for advice, XXXX XXXX XXXX! My wife and I called in 2012 and asked about having our taxes done with XXXX. We never entered into a contract nor did we ever sign any contract agreeing to any fees! Our contact XXXX was disrespectful and egregious to my wife, a XXXX XXXX, and myself. We did not like her attitude, guess we were right as she has reported us to collection agencies for erroneous fees she says we owe when we never agreed to any fees nor did we enter into a known contract agreeing to any fees! We actually never met with nor did we ever intend to employee this nasty person XXXX! This was a horrible person and we never would do business with a person like this!. Not to mention because our phone call took place 5 years ago, the statute of limitations for a collection has passed for either a written and or verbal contract, nor did the company go through due process. The collection agency is a gross injustice and in violation of the predatory lending laws and needs a reprimand by the CFPB. Please see that this horrible company are fined due to fact that they are out of compliance and we would not want to see any good folks like us taken advantage of. We will pursue this company to the full extent of the law for their greed and gross injustice. We wish to be adjudicated forthwith without prejudice! We have reported this company to CFPB, XXXX and the Better Business Bureau!
Consumer complaint received 2017-07-27
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. (MI)

I contacted all 3 credit bureaus and provided my identity theft packet and police report detailing fraud on my credit. Both XXXX and XXXX blocked the fraudulent account ( XXXX XXXX Credit Card ) within 4 days. Equifax, however, filed a 30 day dispute upon which the data furnisher ( XXXX XXXX ) " verified '' the fraudulent account as mine. During the process of the dispute I spoke to a manager in the fraud department with a heavy accent in XXXX that indicated the fraudulent account would be removed because a police report had detailed the fraudulent account after the 30 day dispute was complete despite the data furnisher verifying the account or not. However, upon calling back I was told by several representatives that only another 30 day dispute could be filed since the data furnisher " verified '' the account and that it would be up to the data furnisher to decide to remove the account from my credit profile. This is a direct violation of Section 605 B of the Fair Credit Reporting Act that states that any fraudulent information resulting from identity theft shall be blocked within 4 days by the credit bureaus upon receiving from the consumer a police report detailing the identity theft. Equifax filed another dispute ( Confirmation # XXXX ) and refuses to comply with federal law, specifically the Fair Credit Reporting Act.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX XXXX Chase decided to close my two open end credit cards without my consent or reasonable reason. 
Spoke to supervisors, managers, and lending office reps non can come up with any reasonable reason to close my account down. spoke to the many times which sometimes they'll put me on hold for more then 3hours with no results.

under law 15 US Code 1602 ( D ) ( E ) ( F ) ( J ), Chase, ( corporation ) violated my rights., Note to all I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matter proceedings and I hereby claim that I will D/b/a and auto graph as the agent, attorney in fact, so be it ; Under 15 US code 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 
Under penalty of perjury, I swear this account is misleading Only way you can close my account is if its fraud related or i close it down which i did not because i extended my credit to you so im the only one that can take it away by law. 
As a consumer by law these accounts where misleading and discriminating for closing account without my consent or knowledge. 
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Felt very discriminated by the Cooperation and its representatives i've spoke to past few days. which violates again Equal CREDIT OPPORTUNITY Act, FCRA, and Truth In Lending Act.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed disputes that are currently in my credit report. IT has been more than 30 days since I have heard anything back or received any type of investigation results.
Consumer complaint received 2018-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (PA)

Funds were taken out of two of my checking accounts. One account {$900.00} was taken. The other account {$300.00} was taken. Funds were deposited into Coinbase without permission. Funds wrrethen transferred to an unknown address.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

<b>I AM WHO I SAY I AM. I AM NOT AN ATTORNEY. I AM NOT A CREDIT REPAIR AGENCY. I AM A VICTIM OF IDENTITY THEFT. I AM A CONSUMER AND I NOW KNOW MY RIGHTS. 12 USC 5511 ( c ) ( 2 ) <b> I mailed my notarized certified letter to Equifax ( a Reseller With File ) including my Driver 's License, utility bill, copy of Social Security Card and my FTC report detailing the fraudulent accounts. Equifax ( a Reseller With File ) received my notarized certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and Equifax ( a Reseller With File ) has yet to block the fraudulent accounts within 4 business days pursuant to 15 United States Code 1681c-2 Block of information resulting from identity theft.

( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

EQUIFAX IS A " RESELLER WITH FILE ''. ITS SOLE OBLIGATION IS TO BLOCK FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT RESULTED FROM IDENTITY THEFT. PURSUANT TO 15 USC 1681c-2 ( d ) ( 2 ).

( 2 ) RESELLER WITH FILE The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 
15 USC 1681a ( u ) - The term reseller means a consumer reporting agency that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Public Law and Statutes ( Pub. L. 90321, title VI, 605B, as added Pub. L. 108159, title I, 152 ( a ), Dec. 4, 2003, 117 Stat. 1964 ; amended Pub. L. 111203, title X, 1088 ( a ) ( 2 ) ( C ), July 21, 2010, 124 Stat. 2087. )
Consumer complaint received 2018-01-21
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. (MS)

I have sent a letter asking Equifax to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I attempted to do an ATM deposit of {$1000.00} cash on XX/XX/2022. It was around XXXX and the bank was closed so I tried to deposit through the branch atm. The ATM froze up during the transaction and shut down and said this atm is out of service. I immediately called the number on the ATM to file a claim and I was told that the machine would be serviced and my balance would be corrected. 30 days later I received a letter that only {$12.00} was found in the ATM and my {$1000.00} credit would be deducted. I called Bank of America and they said they could re open the claim which they did. 2 days later I was told the same information that only {$12.00} was found in the machine and that I was covering the ATM camera. This information is completely false. I went into the branch to see what can be done and I was told the bank could escalate the issue. XXXX business days later I was told the same information. The bank was unable to share what type of research was done. They told me to file a police report which I did. I would like this to be further investigated as I feel who ever serviced the ATM made a mistake or the machine is not calculating correctly or someone is stealing. The bank said there is a software issue with the ATM which makes me more worried my funds are not being counted for. I filed police report today, XX/XX/2022 and am waiting for any further information.
Consumer complaint received 2021-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I received an email from XXXX XXXX stating a new inquiry was on my credit. I checked and Capital One Bank inquired on my credit on XX/XX/XXXX, yesterday, and I did not inquire at any moment with capital one.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After reviewing my credit reports I have found that my RIGHTS under the FCRA are being violated. I have the right to have 100 % accuracy with regard to information furnished on my consumer reports. There are NUMEROUS inaccuracies across the bureaus. They are : 1 ) The Date Opened across the bureaus are inconsistent 2 ) The Balance across the bureaus are inconsistent. My understanding is that a Charge-off account SHOULD NOT be reporting balancing. THEY SHOULD BE {$0.00}.

3 ) The Past Due Amounts are bureaus are inconsistent 4 ) The Last Reported dates are inconsistent 5 ) The Date Last Active is inconsistent I have attached documentation down below.

My credit is being severely damaged and my ability to obtain new credit and purchase a new home for my family is made next to impossible.
Consumer complaint received 2022-09-09
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. (OK)

15 US Code 1681b-The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
-This congressional law clearly states that the consumer report agencies compile information for the purpose of furnishing consumer reports to third parties. So this company is in fact the furnisher of my consumer credit report, which I never gave written instructions. By law they must have written instructions from the consumer to furnish any information pertaining to my private information. This information that is being assembled and evaluated is not public accessible so therefore my right to privacy is also being violated. 
15 U S Code 1681b ( 2 ) permissible purpose of consumer reports- In accordance with the written instructions of the consumer to whom it relates. 
15 U S Code 1681b ( 3 ) states to a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 15 US Code 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With these laws stated you can see how this company is breaking the law by furnishing, assembling or evaluation my consumer information without my written consent or instructions. My private information, which are also identifiers, are furnished by this consumer reporting agency. I demand that this company cease and desist from reporting the following negative accounts on my consumer credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX account, XXXX  account, XXXX XXXXXXXX XXXX XXXX  account, and all XXXX XXXX  and us department of education accounts , and XXXX XXXX accounts. These accounts are to be deleted immediately upon receiving this. I
Consumer complaint received 2022-08-10
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. (TX)

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by XXXX XXXX XXXX and XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX services and XXXX auto XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX services and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2018-01-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

good afternoon, ive been asking for Validation of debt owed to XXXX XXXX XXXX XXXX for a check that went to collection but has already been paid The Collection agency is XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (ID)

I was part of the identity theft from XXXX  back around XXXX, I've spent a lot of time clearing things up but had trouble with one company called XXXX. I contacted them by phone and letters requesting all information on the account ie ; when was it opened, name address etc ; informing them that I don't beleive that this was my account. I waited 30 days then contacted them by phone and mail and did so for the next 4 months when I finally got the answer that they couldn't be bothered with it, It disappeared off of my credit report. Now come XXXX and I start getting calls and letters from a company calles NCB Management trying to collect on this debt, I informed the company by phone and mail that they bought a fraudulant account but they keep pressing me. The information I have on the company is what I got off of my credit report. NCB Management, XXXX XXXX XXXX, XXXX, PA, XXXX ph # XXXX and the acct # is XXXX, this is all I have