davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-05-15
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)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.
Consumer complaint received 2022-09-21
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, management, during the month of XXXXXXXX XXXX I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from the last two years prior to it's closing of account. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, XXXX, XXXX erase this account balance to a zero balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX DOB:XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE :XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX -  XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

COVID-19 has temporarily laid off my employment opportunity. I immediately contacted Select Portfolio Servicing that handles my mortgage and was told a deferment was set up at my request for 90 days. However, I constantly receive billings indicating I owe late fees and late payment! Where is this so-called COVID-19 help?! I complained to the SPS Ombudsman in writing but no answer. I struggled to enclose payment for XXXX. XXXX 's payment will come very late as I am trying to raise funds to cover it.Today is  XX/XX/2020, and not one word from SPS despite its letter dated XX/XX/XXXX.
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

It has not just happened to me, the same thing happened to my wife. Unreasonable target to block the access of my account online. New computer that BMO did not recognize by the BMO system, so BMO blocked my password. I should be able to use a computer that is at my hands and not only one that they already illegally target. When I am trying to use the password option, BMO falsely claims that my SSN that I put in is wrong. I am an elderly customer and getting sick of changing my password every time I have to access my account. It also should not be up to BMO who I allow to help me access my account, especially to my wife. BMO disabled my signature at the bank and notarized it by BMO notary authorization form, after BMO declined my DPOA notarized outside of BMO. BMO declined to accept my DPOA. BMO is using its power to interfere with my preferences. At the time of opening the account BMO got my exact address and my CA ID with my address on it, but they are also trying to make small changes to my address, like deleting the Unit number and making changes to XXXX additional digits to zip code. The BMO acts like my money belongs to them and I have to ask them for permission to use my money and access my account under their specific permission. Before BMO blocked online access, they disabled XXXX XXXX. They disabled all connections that I set up with the other XXXX previous banks and I did not get a reasonable explanation for that. I need money to transfer to pay my rent and I do not have access to my account. The BMO chat isn't monitored by a live agent for help. Every time I have to call and speak with agent, which is not my preference, Here is a copy of chat that isn't helpful at all : XXXX minutes ago Welcome to BMO Assist. 

How can I help you today? New UsersForgot PasswordForgot User IDLogin IssueLocations & HoursRouting NumberGeneral QuestionsOpen an AccountSwift Code2 minutes ago BMO blocked my account from my access again. 2 minutes ago This chat is not monitored by live agents, to chat with a banker please log into BMO Digital Banking and select the Chat with a Banker option from the Chat menu. 
If you are experiencing login issues after attempting the Forgot Password and Forgot User ID options, please contact us atXXXXwithin the U.SXXXX andXXXX the XXXX XXXX minutes ago.Is there anything else I can help you with

? Press " yes '' to go back to the Main Menu.YesNo I did not forget my password. BMO blocked my account from my access.

This chat is not monitored by live agents, to chat with a banker please log into BMO Digital Banking and select the Chat with a Banker option from the Chat menu. 
If you are experiencing login issues after attempting the Forgot Password and Forgot User ID options, please contact us atXXXXwithin the U.S. andXXXX the XXXX.
Consumer complaint received 2024-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OH)

I am wrongly being charged an amount of {$710.00} for a account that was in my name seven years ago that was supposed to be canceled and the authorized user without my knowledge kept it open changed the billing address to their address and their number is the only phone number on the account. The only thing on this account is my name and my social, and they racked up debt for nonpayment, the Cell phone company sent this to collections and they are coming For me to pay this persons debt that on the account shows that it is their phone number and their address, and they fraudulently used my name over the phone without my knowledge, though they were an authorized user on the account this account was supposed to be closed In XX/XX/XXXX this person did not cancel out their line and kept it open for seven years and I just recently on XX/XX/XXXX of XXXX noticed a charge on my account. I did not get any notifications that I owed this company money nor did I get any information that went to a collections agency for me to prevent it hitting my credit This should be sent to the person responsible that was on the account using it at their address. I have documentations showing that I have never lived at that address and I have never had XXXX  since XXXX Or any lines associated that I was actively using at this company this was all under the authorized use, her phone number and her address and her email. she fraudulently used my name and my social. I spoke with the phone company and they said that they would send me documentations thru email and they never have also they said that they can not help me any further, even though they know that her line and her address are on this account. They are still going off the fact of their policy, which she was an authorized user, the address on the account was XXXX XXXX XXXX in XXXX Ohio. I have attached documents showing that I have never lived there and my address for XXXX and XXXX and XXXX to show I lived over an hour from that address on file of this debt. Regardless or the t mobile policy I should not have to pay a debt I had no knowledge of or had no notification of having to pay.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

I was looking for a credit repair company to fix my credit the one I ordered was a fraud site so I contacted the us bank about the problem and they have placed the money owed back on my account after being told out was fraudulent
Consumer complaint received 2022-09-21
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. (NY)

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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the this account : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (FL)

RE : Acct. # XXXX After reviewing my XXXX  credit report I noticed a fraudulent account being reported by XXXX XXXX XXXX XXXX XXXX . I contacted them to dispute this account and provide me with contractual evidence that this account belonged to me. After answering several questions it was determined by the agent the account was fraudulent. I was told that the account would be removed from my credit reports. This account is still reporting on my credit report and adversely affecting my credit profile. I am requesting this account be deleted immediately.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (FL)

i got a letter in the mail from discover, and XXXX offering me a balance transfer as far back as XX/XX/XXXX from discover and thay made this offer up till XX/XX/XXXX and XXXX  sent me balance transfer offers from XX/XX/XXXX to XX/XX/XXXX and now thay wont offer any balance trans fers at all i just got my balance pay, d off with discover on XX/XX/XXXX and i wanted to see if i could use a balance transfer and now all the banks are not doing balance transfers i was going to ask if you can make the banks make the balance transfer offer longer becuse by the time i got my balance pay, d off then the offer was gone and thay tell me when i called discover that thay dont know when i will get another balance transfer offer can you ask them to make the offers last atlest 6 to 12 months any thing better then 2 months witch thay gave me
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation (FL)

The debt collector called my Father and told him that they were looking for me to collect a debt. I called the debt collector after my Father told me they called him and I paid my debt promptly. I told the collector that I would be filing a complaint with the Consumer Financial Protection Bureau as I was completely embarrassed and hurt that they called my Father.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: VANGUARD FUNDING LLC (PA)

Received a confirmation from the Vanguard XXXX , XXXX dated XX/XX/20 of approximately {$63000.00} being " transfer to another account ''. Vanguard later confirmed this was their error. Neither I nor my wife initiated this transaction. It was eventually corrected. However, since I had a previous experience with Vanguard of approximately {$220000.00} gone missing and subsequently corrected, I asked Vanguard what action would be taken to better safeguard my funds. Vanguard called and indicated that they would not share any information regarding actions they may or may not take to enhance the security of my funds.
Consumer complaint received 2022-09-20
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXXALLIED COLLECTION SERVIC Reported : XX/XX/XXXX Your company have  violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ALLIED COLLECTION SERVIC Reported :XX/XX/XXXX I have report your company to   consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Bankruptcy is unverified. According to the verified source XXXX XXXX, they dont show a bankruptcy on my credit file. Ive asked multiple times for removal. 

According to the court clerk, they dont report/or release information to credit bureaus, which is another erroneous effort to verify this inaccurate reporting.
Consumer complaint received 2020-05-15
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)

There are several payments on my XXXX and XXXX accounts reporting as late though I have never paid late. Report states that I am 90 days late when there are no late payments prior to that? I have attached all bank transactions and statements that belong to this company that would prove my payments were not made late as inaccurately being reported therefore these late payments are unverified and need to be removed immediately Last verified date for XXXX shows XX/XX/2017. 

I have attached a no delinquency letter obtained from XXXX website as well as payment history from XXXX.
Consumer complaint received 2020-05-15
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.