davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( TransUnion ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquires listed below. This inquiries were not authorized by me and I request removal right now. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX [ If you have a lawyer, state that you have legal representation and provide that persons contact information ] As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, this is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was a victim of ID theft and my account with BOA was compromised. I was not given information about the reason why my account was closed or what had taken. The account says suspected of Fraud activity and was never determined. 

Closure status date : XX/XX/2019 Original charge off amount : {$280.00} I reached out to BOA to reconcile the situation via mail and never received anything back.
Consumer complaint received 2021-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX  XX/XX/XXXX {$980.00}. 
Credit Collections Service XX/XX/2020 {$980.00} XXXX XXXX XXXX XXXX, Ma XXXX File number XXXX XXXX XXXX I called On XX/XX/XXXX to discuss this debt which showed up on my credit report without warning. I told them that I was covered under insurance and do not know they did not pay it. I asked for a reduced lump sum amount to pay and get it removed off my credit report. I also asked why this bill was split in half so it was reported as 2 negative acounts having a double impact? I was told no and if not paid in full that it would be reported as a partial payment. I was told that only if I paid in full would it be satisfied and and they would remove it from my credit report but it would take 30-60 days. I paid in full a few days later and waited until XX/XX/2020 and called Credit Collections Services and asked why it wasn't removed? I was told that there is nothing they can do and that once it is reported that they can not change it. I also believe I saw that they left the negative reporting on there for 3 months until XXXX 2020. 
Thank you, XXXX XXXX
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am filing this report because today XX/XX/20 I was made aware of some accounts on my credit report that do not belong to me. The way I found out was that I applied to refinance my car and I was not able to do so due to these accounts. I have listed all of the accounts names, numbers and balances on this report. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report, contacted the companies and filed a complaint with the CFPB. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I do not have any contract or affiliation to these companies and I have never given them permission to access my credit nor personal information.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-09-22
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. (CA)

I am filing this report because today XX/XX/20 I was made aware of some accounts on my credit report that do not belong to me. The way I found out was that I applied to refinance my car and I was not able to do so due to these accounts. I have listed all of the accounts names, numbers and balances on this report. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report, contacted the companies and filed a complaint with the CFPB. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I do not have any contract or affiliation to these companies and I have never given them permission to access my credit nor personal information.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX  was deceptive in offering promotional payment plans. They marketed the plan as the bank will calculate the minimum payment each month to pay off the balance prior to the due date. The automatic payments were made for 17 months. In the end, the payments were reduced by the bank to leave a small balance and move these charges to the higher interest rate. The next payment was not applied to the balance with the higher interest rate. The payment was applied to balances with lower interest rate. 

The Bank and XXXX XXXX were very deceptive to lure the customers into thinking the bank calculated the payment amount to avoid higher interest rates. The ultimate goal of the back was to push balances to a higher rate and make it difficult for the customer to avoid interest charges.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX -- Dob : XXXX Mailing address XXXX XXXX XXXX, SSN : XXXX XXXX XXXX XXXX XXXX CA XXXX Ph : XXXX Email : XXXX Regarding : BOA CC # XXXX XXXX XXXX XXXX ATTN : CUSTOMER RELATIONS /DISPUTE RESOLUTION DEPT/ CREDIT DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, Ive been a BOA client all my life and have been well treated. 
Im currently suffering from a XXXX XXXX XXXX and unfortunately have been given XXXX XXXX XXXX XXXX by my doctors. During this time my plan was to build a home for my family. Which was going well until earlier this year, due to an issue with Bank of America. 

PROBLEMS CAUSED BY COVID : My bookkeeper was entrusted in making my payments due to my illness and as Covid hit, XXXX XXXX was one of the first place in the county to XXXX down. My mailing address is my office building and that was shut down to patrons and the public. As I was ill, my bookkeeping manager was entrusted with making my payments, who couldnt get into the building and couldnt even access any mail. 

PROBLEMS CAUSED BY BOA OPERATIONS In addition, neither one of us could go into the BOA branch to make the payment for XXXX, as branches around us started closing XX/XX/XXXX and the few that were open were far away and were operating for limited hours. Whenever BOA was called, hold times exceeded hours and no one would come on the phone Due to this we were late in making the payment. 
When we finally got a BOA rep on the phone, they told us they wont mark us late, however we were marked late regardless. 

I am attached a letter from my book kipper and proof my latest XXXX treatment. 
Im humbling asking Bank of America to remove the late payment from my credit report reporting for XXXX 2020 on my report Best XXXX XXXX
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

I am a victim of identity theft, my passwords were compromised and my two-step verification was changed. I sent in an appeals form to Navy federal credit union about this situation. I would hope navy federal credit union can understand my situation with provided evidence and continue the banking relationship.
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-20
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. (FL)

I HAVE FILED DISPUTE IN THE REGARDS THE TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 TO 45 DAYS AND HAVEN'T RECIEVED ANY INVESTIGATIONS RESULTS. { ACOOUNT NAME XXXX }
Consumer complaint received 2024-09-25
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. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Experian : XXXX XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXX OF XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection XXXX XXXX Account Number XXXX XXXX Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXXXXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection XXXXXXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - Late/Closed XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Charged Off XXXXXXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$80.00} - Collection
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( Experian ), Bankruptcy ch XXXX-dismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch? -dismissed Ref XXXX ( Experian , XXXX ), Bankruptcy ch XXXX- dismRef XXXX ( Experian, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( Experian, XXXX ) , Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( Experian, XXXX, , XXXX ) , XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX ( experian, XXXX, , XXXX   ) , XXXX XXXX Acct XXXX ( XXXX, , Experian, XXXX   ) , XXXX XXXX ( Experian, XXXX, , XXXX ), XXXX XXXX XXXX ( Ex. XXXX, XXXX ), XXXX/XXXX. XXXX XXXX
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

On XX/XX/XXXX XXXX Bank took {$680.00} out of my escrow account to take out a flood insurance policy with XXXX. XXXX Bank has had a copy of my Flood Insurance policy with XXXX since they purchased my loan from XXXX XXXX XXXX in XXXX of XXXX. I have submitted copies of the flood insurance policy sent several messages and called the customer service number. Through the online messages, calls and letters I was informed that XXXX refunded the {$680.00} to XXXX Bank, but XXXX Bank accidently funded another customer 's account my money. Last they responded they were expecting to have the money in my account by the end of XXXX. The {$680.00} has not been refunded. It is now XX/XX/XXXX.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I contacted Trans union on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, Trans union couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 

Please provide the written instructions that I, the consumer gave to XXXX XXXX XXXX which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account XXXX XXXX XXXX XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 

Sincerely, XXXX : XXXX
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

After contacting XXXX I in the customer care department regarding the inaccurate and incorrect information that XXXX XXXX  is reporting on my credit report, I received a letter from XXXX stating that this account is reporting accurately. This claim of accuracy is false and XXXX failed to do a reasonable investigation regarding the accuracy of this account. List are the inaccuracies that are still on my XXXX  credit report : 1. The High balance is incorrect. 2.The last payment shows XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. 3. There is a charge off only after a 60 day late in my payment history. 4. The remarks shows paid in full, is the accurate? 5. There is no date of last activity. 6. The close date is inaccurate. 7. The account number is inaccurate. XXXX report : 1. Shows no payment history, but XXXX do. 2.The Delinquency First Reported date has been re-aged several times lastly to XX/XX/XXXX. How is this account reporting accurately to the CRA 's as claimed by XXXX in customer care?
Consumer complaint received 2020-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (WI)

ALLY FINANCIAL has failed to pick up the XXXX XXXX XXXX that my husband and i had financed. They keep reporting as a late payment to my credit. Even though this vehicle was included within my husbands bankruptcy. The vehicle was approved and discharged in XX/XX/XXXX from the bk and they still have not come to get it. They continue to report its late and that we owe. I was told that due to us being married and a marital property state they should have come to get it and stopped all collection attempts and adverse notice on my credit. They have not. I spoke to XXXX XXXX XXXX  on XX/XX/XXXX trying to get this taken care of and it still hasn't been.