davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (IL)

I have a car loan through BMO Harris Bank. I have set up an auto debit withdrawl through them from my private checking account with XXXX XXXX each month for XXXX XXXX  to go towards my car loan. The XXXX XXXX  was automatically removed from my account as usual on the XXXX of the month this month. I then had an additional XXXX XXXX removed from my XXXX XXXX account by BMO Harris 4 days later on the XXXX. XXXX confirmed that this was done by BMO manually by using my routing number for XXXX. I have called BMO harris to report this and was told an investigation was going to start and a supervisor would be calling me in 2 business days. No one called. I called again today and was on hold for 1.5 hours + and was transferred to 5 different people and all of them answered the phone then transferred me to another person and gave me no information and I never was able to speak to a supervisor or anyone at the fraud department. I emailed them copies of the XXXXXXXX XXXX statements two days ago as well and one person today who I spoke with said he doesn't see any incident report opened or any investigation started.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report and I found several addresses and accounts that do not belong to me. My name is XXXX XXXX XXXX Please remove any variation of my name they are not accurate. I live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My SS XXXX and DOB XXXX. Please remove the following addresses they are not accurate: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 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 I was a victim of fraud and someone in XXXX XXXX was using my name for account and credit. I have never liver in XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. 

III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. 

IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344.

Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. 
RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. 
V. XXXX Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. 

VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. 

VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices.

VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations.

IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. 

I anticipate your prompt attention to this grave matter.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (MN)

I was contacted by Rausch Sturm on XX/XX/2019 and was informed that my wages would be garnished in the amount of {$1400.00}. The garnishment started on XX/XX/2019 and continued until XX/XX/2019 totaling {$1400.00}. 
On XX/XX/XXXX I closed on a house and was supposed to have a negative closing cost of {$470.00}, which was supposed to be refunded to me. I was told by XXXX XXXX at XXXX XXXX XXXX XXXX that the garnishment still showed up but that she talked to XXXX XXXX at Rausch Sturm that the account was paid off and that they would send me the check. 
I have since contacted XXXX XXXX and he says he never received the check. XXXX XXXX emailed me verification that the check was in fact received and cashed. I told this to XXXX XXXX and he still refuses to admit he cashed the check.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (MD)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX THIS COMPLAINT IS DIRECTED TO THE CONSUMER FINANCIAL PROTECTION BUREAU and SHOULD ONLY BE RESPONDED TO DIRECTLY FROM an AUTHORIZED AGENT OF THE CFPB, and NOT the RESPONDENT, BARCLAYS ' Bank. Dear Consumer Financial Protection Bureau, On XX/XX/XXXX, I received a letter from Barclays, stating that it denied my credit application that I submitted to Barclays back on XX/XX/XXXX, because when I, in good faith, exercised my right to file a consumer complaint against Barclays with the CFPB under complaint number XXXX, a year ago on XX/XX/XXXX, that I allegedly sent a copy of the CFPB complaint to Barclays at a representative 's home address and included that address as part of the complaint that I submitted through the CFPB public website on XX/XX/XXXX. These allegations are untrue. I did not send a copy of the CFPB complaint to Barclays at a representative 's home nor has there been any supporting evidence that anything was mailed to Barclays at a representative 's home. Furthermore, I had no knowledge that the address that was included in the CFPB complaint for the Dispute Advisor at Barclaycard, was that of a representative until receiving the letter from Barclays dated XX/XX/XXXX, which stated that the address was that of a Barclays representative. Nor would I have known the address for any Barclays representative, and the address for the Dispute Advisor at Barclaycard that appears under the CFPB complaint number XXXX was obtained from another public website under Barclays contact , and not for any one specific representative at Barclay. For these reasons, there were no basis to deny the application " based upon improper and unacceptable interactions '' allegedly had with a Barclays representative regarding my former Barclays account. The most that can be said is that the application was denied on the basis of my age, gender, marital status, race, color and/or for in good faith exercising my rights under State and Federal Consumer Protection laws by submitting the CFPB complaint. When I responded to Barclays ' letter through the CFPB portal on XX/XX/XXXX, it closed the complaint as a duplicate. On XX/XX/XXXX, I requested that Barclays explain why CFPB complaint number XXXX was closed as a duplicate without being addressed by Barclays when it was submitted in response to the XX/XX/XXXX correspodence received from Barclays and the FACTS alleged were materially different from those that were alleged in CFPB complaint number XXXX and relate specifically to events that occurred AFTER submission of that complaint, namely the facts that were disclosed for the first time in Barclays XX/XX/XXXXXXXX  correspondence. On XX/XX/XXXX, Barclays closed that complaint out too as a duplicate without addressing the issue.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

This is for XXXX XXXXXXXX Account ending in XXXX and XXXX I have filed multiple XXXX complaints in the company either didnt respond or was grossly past due and ineffective Their extreme negligence has caused me a lot of damage and stress as I am a XXXX person. 
They are reporting two balances of over {$1000.00} However my balances should report XXXX. 
They are in violation with the Fair Debt Reporting. Information on my credit report must be reported legally and accurately
Consumer complaint received 2019-10-20
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. (NC)

my name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I am having issues with inaccurate in information on my credit file. I have several different SS showing on my credit file that are not mine XXXX, XXXX, XXXX, XXXX please delete remove them they are not mine. Please remove the following addresses :XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I dont live at those addresses not sure how they got on my credit report please delete them.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (TX)

I've received 6 calls this week from SouthWest Credit Systems.  Three times XX/XX/2019, I answered on XX/XX/XXXX and told them to stop calling - which I had done the prior month as well but no longer have the dates on my phone. They continued calling XX/XX/XXXX at XX/XX/XXXX. They have been calling me for months about a debt that is several years old. I have told them numerous times to stop calling me yet they persisted. The final straw was yesterday day at XXXX CST - an associate named XXXX was on the line. He immediately wanted me to give him my personal information without answering what the call was about, despite me saying I'm the person who they were asking for. XXXX  quickly grew enraged that I wouldn't give him my personal information. I told him to cease and desist the calls. Instead of ending the call he berated me by yelling over and over do you even know what this debt is for? Do you know about your credit? I said cease and desist at least 10 times he continued yelling. I then asked to speak to his supervisor. He continued yelling, had to ask for a supervisor at least 12 times during his rant before he finally put me on hold. His supervisor XXXX XXXX (title: Manager at SW Credit Systems) got on the line and I explained how XXXX  harassed me on the call and that I have requested them to stop calling me several times in the past. She assured me they would not call me again but I believe they are using a different number now because now I'm getting calls from a new number. Each time they call they refuse to tell me what this is about and go straight into wanting me to verify my personal information without knowing who is calling me. I refuse to do this with each call due to fraud concerns. I work in collections for a living I know that you never yell at a customer and when they say stop calling you stop. I have also never heard of a business calling someone and demanding personal information before they will even give their business name. The experience was very unprofessional and violates FDIC regulations. I'm a woman and to be screamed at by a strange man over the phone demanding my personal information was very stressful. I told his supervisor to listen to that call because that should never happen.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (GA)

Completed the product change process with Wells Fargo to change current credit card (XXXX XXXX Visa) to a different credit card (XXXX XXXX XXXX) offered. Spoke with agent about doing product change versus applying new and based on the discussion thought that because Wells Fargo chooses to do a hard pull against credit bureaus along with closing down your current account to establish a brand new card account with no history or carryover, that it would result in brand new promotions being applied. It’s the equivalent of applying as a new application and yet does not appear to come with any of the new account perks and only negatives.I asked the representative during the product change if the bonus points would apply and based on the textbook response thought that it was implied that they would. There may have been a breakdown in communication between us.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 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 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 items 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 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-05-11
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (IL)

I am filing this complaint against XXXX XXXX XXXX XXXX  regarding their handling of a debt they claim I owe to XXXX XXXX XXXX. Despite my previous requests for complete debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, XXXX XXXX XXXX XXXX has failed to provide adequate documentation substantiating the legitimacy and details of the debt. Furthermore, this debt has been reported to credit bureaus without validation, negatively impacting my credit report. 
Summary of My Requests and XXXX XXXX XXXX : Debt Validation Request Sent and Received : On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX XXXX  via XXXX mail, which they received. Subsequently, on XX/XX/year>, I received another letter from XXXX XXXX XXXX XXXX but as of this date, they have not provided the complete validation of the debt I requested. This request, submitted within the XXXX period allowed under the FDCPA, specifically sought validation documents, including : Name and address of the original creditor ( XXXX XXXX XXXX ) , Transfer documentation verifying the ownership of the debt, Date of default and delinquency, Detailed breakdown of charges, interest, and payments, Confirmation of compliance with the statute of limitations, and Proof of their legal authority to collect in Illinois. 
Lack of Adequate Response and Documentation : As of the date of this complaint, I have not received the requested documentation to validate the legitimacy of this debt. This lack of response from Credit Control , LLC does not comply with the FDCPA requirement to cease collection until the debt is validated. 
Debt Reporting to Credit Bureaus in Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Despite not validating the debt, Credit Control , LLC has reported it to credit bureaus, damaging my credit history. Under FCRA, reporting a debt without adequate validation may constitute a violation, as it involves reporting potentially inaccurate or unverified information.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value you setting aside some margin to CORRECT or REMOVE a portion of the data in my credit document. Also I found out that there are still a few records that are reporting on my file. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records and I want it to correct. XXXX XXXX XXXX Balance Owed : {$800.00} - How can you report this account as Late when my record shows that this account was Paid as Agreed. Please adjust immediately. XXXX XXXX Balance Owed : {$29000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX Balance Owed : {$12000.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5800.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX XXXX Balance Owed : {$820.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"