davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/, I had opened an online checking account. I received a federal treasury check for my XXXX in the amount of {$8600.00}. This was the same day when BMO restricted access to my account. I called the BMO customer service asked them why a restriction on my account when I did a mobile deposit. I was told by customer service that I do have a daily amount of {$25000.00}, and no monthly limits. I was informed that the account is on freeze due to a fraudulent deposit. The fraud team is doing an investigation, and it will take 14 days, and someone will get back to you. 

I was told that they do have 14 business days to let the Fraud Department investigate this check and see if this is a real check, once this is cleared then my account will be reinstated, and I will have access to the account. I was questioned with how did i get this check and why do I have this check and what is this check for? I did answer all the questions they asked, and it was logged in my BMO case. On XX/XX/, call and spoke with CSR and they too were shocked to see that there was no update on my case and the account is still restricted. The CSR who helped me did send an email to both the Manger and the analyst who is working on the case. 

It is now XXXX XXXX, XXXX, I called, and they kept telling me that I do need to go to a branch to verify my identity so the Fraud Department can then help me further. I had to go to the branch 2x today, to have nothing done. Spoke with the fraude team they said she will email the following to her supervisor, the analyst who is working on my case, as well as his supervisor. This will be the 2nd time an email has been sent out to both analyst and his supervisor with no response as stated from the 1st email that was sent on XX/XX/. 

I also have attached a copy of the email i received from the bank which i will attached here as well
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have not been able to obtain my consumer report when extending credit to creditors. I have been advised that my file is blank or has no score. My consumer report has not updated in years. 

I do not have a fraud alert or credit freeze placed on my consumer reports. Equifax is messing with my creditworthiness.
Consumer complaint received 2023-09-28
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 has come to my attention, that XXXX XXXX Bank has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$170.00}. Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

Original : XXXX XXXX XXXX Collection co : National Credit system /Account # XXXX/ For the amount of XXXX XXXX 
I do not owe this debt. These charges is completely fraudulent. I was on month to month ( one month at a time ). After 13months of being on month to month, leaseing agent gave me a written notice via text terminating our month to month agreement. I was told in that notice that i could no longer be on month to month, and to vacate if I didn't complete a renewal by XX/XX/XXXX. I complied, i moved out. Leaseing agent completed a residency verification so I could move into my current place. I signed my current lease XX/XX/XXXX move in XX/XX/XXXX. XXXX XXXX then added fraudulent charges, after I moved out and received my written notice. I am being charged for 3 months after I moved out even though month to month is one month at a time. I have repeatedly uploaded this written notice via text that I deemed as a proper notice to terminate my month to month agreement. payment ledger show payment stopped when i moved XXXXwhich lines up with notice.I have given ncs the same info though disputing, XXXX complaint, and calls. I n the messages I'm repeating telling them I moved, and they still added fraudulent charges every month I have made ncs aware of this and they continued to update this on my credit report after they bought this fraudulent account. The lease and payment ledger was sent to me by National Credit system. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX, has violated my rights. 
15U.S.C 1681 section 602 A states, I have a 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 written instructions.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian numerous times about me not having a bankruptcy or bankruptcies on my credit report. Experian continue sending me information that it has been verified and they are not physically verifying the situation, they are using XXXX and its given them the wrong information, because there are other people out there with the same name as mines, this is not my first time dealing with this situation. I have enclosed copies of money orders that I purchase every month to pay XXXX XXXX  company each month. This is my second time sending the same information, it came back the first time verified. How it come back verified, when I have provided copies of money orders that you can trace. I would be paying bankruptcy if it was in bankruptcy? I understand that under 15 USC section 16811A you must complete this reinvestigation and found the following items to be in error by the provisions of the Fair Credit Reporting Act. I demand this item to be investigated and corrected on my credit report. Looking over my entire credit report with Experian is inaccurate.
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

I called MOHELA regarding my federal student loan status and to discuss payment options, as I am unable to on the website. Any page I go to on the site says " Due to the status of your account, please contact MOHELA at XXXX for any account inquiries or document requests. '' Calling the number yields being hung up on. My last call I was on hold for an hour and a half and was hung up on without any interaction with a customer service representative. I am unable to change anything on the site and I am unable to speak to a customer service rep. I will be unable to make payments at the current payment levels required.
Consumer complaint received 2023-09-28
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. (NY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In according with the fair Credit Reporting Act XXXX Account # 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 furbish an account without my written instructions.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2000.00}.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not provide consent to allow the sharing of my private information, and the disclosure of this information is unfair and unjust to me as a consumer. According to 15 USC 1681 Section 602 A, I have the right to privacy. Furthermore, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with 15 U.S.C 1681c. ( a ) ( 5 ), it is stated that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of convictions of crimes that predate the report by more than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any person to provide information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Furthermore, it's important to note that they are not even complying with Metro 2 credit reporting standards. I have evidence to substantiate my claim. 

Here 's the list of items in question : XXXX XXXX XXXX XXXX  {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

An fraudulent account was opened in my name and sent to an address I have never lived at. I have reached out to Capital One over XXXX times without a reply or resolution. Not know that a previous account had been opened in my name I discovered this account when applying to Capital One and noticed the fraud reported on my credit report. I provide ID affidavits and statements and Capital One has failed to fix this and has caused me employment termination and financial harm.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am a feeling a bit saddened to know that the Experian STILL haven't removed these remaining fraudulent inquiries that are reporting in my Experian credit report. What I just need was to REMOVE these inquiries that was causing my credit file harm. Again, I am requesting the Bureau to remove these inquiries immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is incorrect and does not belong to me, I do not want it in my report. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my six 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 an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$35000.00} XXXX XXXX, XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$250.00}
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

dear Equifax, I checked my credit report today because I received a notification that said my credit score went down, and I see there were multiple inquiries that I do not recognize. I have filed and identity theft report with the federal trade commission, and I have attached that along with a cover letter stating that I am disputing the following inquires.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

I recently obtained a copy of my credit report from XXXX, XXXX, and XXXX, and I noticed that there were several inquiries that I did not authorize or recognize. My concern is that these unauthorized inquiries are having a negative impact on my credit score and making it more difficult for me to obtain credit. I have already contacted the three credit bureaus with no real solutions. Therefore, I am requesting your assistance in investigating this matter and ensuring that my credit report is made accurate. I have also attached a copy of my fct report please review it and remove all of the unauthorized inquires because i was unable to list them all here. 

I appreciate your time and attention to this matter. I look forward to hearing from you soon. 
By : XXXX : Whiting All Rights Reserved
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (AL)

XXXX XXXX from Waypoint Resource Group responded to a previous claim that " XXXX recalled an account '' What I am referencing does not state XXXX, it states XXXX XXXX XXXX for an amount of XXXX she also lied and said they do not handle credit reporting. Well please explain why WAYPOINT RESOURCE GROUPS is on my credit with XXXX XXXX XXXX listed as the original creditor. 

Once again, I never received any information in regard to this fraudulent account that your company ILLEGALLY placed on my credit report without properly notifying me and giving me the opportunity to properly dispute, which is an FCRA VIOLATION on WAYPOINT RESOURCES GROUP part as a debt collection company. You have laws that you have to abide by. 

Now I have provided you with an identity theft report from the government website FTC again. This is a second attempt that I'm noting to inform WAYPOPINT RESOURCES GROUP, that they are reporting fraudulent information on my credit report. According to the FCRA laws you are REQUIRED to STOP REPORTING fraudulent information and remove it from said persons credit report once you are made aware and given a government document stating such, please do so.