davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (IL)

This complaint has been filed to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block the information appearing on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint.

I am a victim of XXXX, and the following account information, which appears on my TransUnion consumer credit report, is a result of identity theft and fraud that occurred during this period of trafficking : * XXXX XXXX XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/ I do not recognize this account as reported. It was not opened, made, or initiated by me and is the result of identity theft and fraud. Per TransUnion 's request, I have attached the following documents as proof that the aforementioned account is fraudulent and a result of my XXXX XXXX  : 1. Official Police Report 2. FCRA Section 605C Self-Attestation Form 3. Notarized Identity Theft Affidavit 4. Notarized FTC Identity Theft Criminal Complaint XXXX XXXX Additionally, I have also provided results and proof from other credit bureaus that have removed these fraudulent accounts from my credit reports based on the same documentation provided, without any issues. 
These documents confirm my identity and substantiate that this account was created without my knowledge or consent. I am requesting immediate action to block and remove this account from my TransUnion consumer credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (GA)

On XX/XX/year>, I tried to submit an Amended Annual report for the State of Ga for my business and at the end of the submission they use Experian 's Identity Proofing Service. After normorus tries in submitting my information, I kept getting locked out my account. I finally called the Secrectary of State for GA and was advise to contact Experian. I tried several times to contact Experian via phone to speak to someone and their automated services would not allow me to speak to a live person. I called XXXX, XXXX, and XXXX and all would not direct me to a live person to speak to about an issue with their verification services.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

To whom it may concern : I have been trying unsuccessfully to reach someone at multiple numbers for Experian due to an issue with a loan application that was due to information provided by Experian on XXXX XXXX  as well as XX/XX/2024. 

I tried numerous times unsuccessfully to sign into my account and am unable to access technical support of any kind because your automated system does not allow you to speak to an agent, which is very frustrating. 

I will be filing a complaint against experience with the Consumer Finance Agency due to this but I need assistance with why my credit application was denied due to information provided by you that could not verify my identity. 

Recently I had placed a fraud alert on my account due to a breach of my cell phone provider, although according to your automated system no fraud alert appears on my account but I imagine it's the reason why my credit application was turned down. 

Ask that someone please contact me at your earliest convenience at XXXX to resolve my issue. Thank you for your attention to this matter. 

XXXX XXXX, XXXX
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Commencing on or about XX/XX/XXXX to XXXX, XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to fraudulent investment firm ( s ). 

I want to emphasize the fact that the recipient 's account was also with the Chase bank, which means the scam was happening right under the Chase 's roof and they allowed the fraud to be perpetrated within their system.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I respectfully request that the CFPB investigate this matter and take the necessary steps to ensure that XXXX and XXXX XXXX XXXX are held accountable for its improper actions. I am also requesting the following actions : XXXX. XXXX and XXXX XXXX XXXX cease all unauthorized access to my credit report. 
XXXX. The removal of any late payments or inquiries that resulted from the unauthorized access. 
XXXX. Compensation for damages as deemed appropriate under 15 U.S.C. 1681n or 1681o for negligent or willful noncompliance with the FCRA. 

Please inform me of the outcome of your investigation and any actions taken against XXXX and XXXX XXXX XXXX. Should you need further information or documentation from me, I am happy to provide it.
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Accounts, Inc. (ND)

United collections have damaged my credit by falsely claiming that I owed money to XXXX XXXX XXXXXXXX XXXX in XXXX nd. I have proven that this debt they claim i owe is false infact there actions are illegal in the state of North Dakota. As i can not be charged twice for the same debt. Now because of this illegal acts my personal credit has suffered and r This has caused a significant unjustified hardship on my personal life
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (TX)

SINCE XXXX, I HAVE TOLD XXXX XXXX TO STOP AUTOPAY FROM MY ALLY BANK CHECKING ACCOUNT/DEBIT CARD WITH THE INTENTION OF PAYING THEM VIA CREDIT CARD FROM A DIFFERENT FINANCIAL INSTITUTION. AS IS MY RIGHT TO PERMIT AND WITHDRAW SUCH CONSENT. 

FURTHERMORE, I LEFT XXXX FOR XXXX XXXX XXXX XXXX IN THE SUMMER. AGAIN, I HAVE THE RIGHT TO DO SO. ANY POTENTIAL DISPUTES BETWEEN XXXX AND I WOULD ( SHOULD ) HAVE NOTHING TO DO WITH ALLY AT THIS POINT. OR SO I THOUGHT AS FREE XXXX. 

INSTEAD AND DESPITE CONTINUOUSLY WITHDRAWING CONSENT FOR AUTOPAY WITH XXXX DIRECTLY AND AT THE SAME TIME WITH ALLY TO STOP PAYMENT/BLOCK MERCHANT FROM USING MY ACCOUNT NUMBER AND DEBIT CARD NUMBER TO ACCESS MY FUNDS. I KNEW THIS WOULD HAPPEN SO I TRIED TO GET AHEAD OF IT. ALLY PROCEEDED TO ASSURE ME THAT THEY HAD MY BACK AS SUCH A SUPPOSEDLY VALUED CLIENT. THEY ENDED UP NOT BEING ABLE TO PREVENT SUCH UNAUTHORIZED WITHDRAWS EVEN AFTER A SUBSEQUENT REPLACEMENT OF THE DEBIT CARD THUS CHANGING THE NUMBERS. 

I OPENED DISPUTES THAT WERE AND ARE NOT BEING RESOLVED PROPERLY. XXXX CONTINUES TO ESSENTIALLY COLLUDE WITH AND CONSPIRE WITH ALLY TO DEFRAUD ME OF MY HARD EARNED MONEY. XXXX MAY VERY WELL BE A CORPORATE AMERICAN SCOURGE BUT ALLY HAD VIOLATED THEIR FIDUCIARY DUTY AND IS GUILTY OF MISMANAGEMENT AND GROSS NEGLECT OF THE HIGHEST MAGNITUDE. 

IN SUMMARY. I WAS BEING RIPPED OFF BY XXXX. I DESIRED TO SAFELY SWITCH PAYMENT METHODS TO AN ALTERNATIVE FINANCIAL INSTITUTION. XXXX REFUSED TO STOP THEIR AUTOPAY-AGAIN WHICH I COMPLETELY AND REPEATEDLY CANCELLED-AND THUS KEPT TAKING MY MONEY OUT OF MY LONE CHECKING ACCOUNT WHERE MY PAYCHECK GOES FOR MY FAMILY. EVEN AFTER I LEFT. MONTHS WENT BY WITH SUCH UNAUTHORIZED TRANSACTIONS TAKING PLACE. EVEN AFTER I REPEATEDLY INSTRUCTED ALLY TO PREVENT THESE FROM HAPPENING. I CONTACTED THEM BEFORE, DURING AND AFTER THESE TRANSACTIONS THROUGH THE PRESENT DAY ( FALL XXXX  ). I BET XXXX WILL STEAL MY MONEY NEXT MONTH AND BEYOND AS WELL UNDER THE BLIND EYE OF ALLY. THEY ALLEGEDLY STOPPED PAYMENT, HIDE MY ACCOUNT NUMBER, REPLACED MY DEBIT CARD AND OTHERWISE BLOCKED XXXX FROM ATTEMPTING TO WITHDRAW MY MONEY. THEY EVEN CLAIMED TO PUT A RANGE BETWEEN {$0.00} AND {$1000.00}. GUESS WHAT? THE FRAUD AND UNAUTHORIZED TRANSACTIONS CONTINUED AND WILL CONTINUE. 

IF THIS IS NOT A CFPB REGULATION E OFFENSE, I GENUINELY DO NOT KNOW WHAT IT. 

LORD HELP THIS BROKEN COUNTRY.
Consumer complaint received 2024-08-21
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. (NY)

I have informed all third parties entities of the GLBA privacy rules clear and conspicuous notice of the financial institutions information sharing policies and practices. The privacy notice must be provided when a customer relationship is established.Providing customer the right to opt out of having their nonpublic personal information shared with non affiliated third parties.financial institutions must process opt-outs within 30 days or refrain from disclosing account numbers or similar forms of access codes to any non affiliated third parties for marketing purposes..15 USC 6809 ( 4 ) 15 USC 6809 ( 3 ) Ive asked for the consent form and have been ignoredEXPERIAN, XXXX, XXXX are non-affiliated third parties entities. Im asking CFPB to enforce these laws under the Gramm-Leach-Bliley Act with authority.6809 ( 9 ) 17 CFR 248.124 15USC 6802 ( d )
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (IL)

I was on a a cruise and wanted to purchase a few pieces of Diamonds from Diamond International. When I was asked if I wanted to finance the purchase I agreed to finance but only with XXXX XXXX. And only for a 3-year under {$300.00}. When I realize the jewelry didn't fit and that I was fraudulently sold a few pieces of jewelry for way too much money for not the value of the piece that I bought I tried to return it and diamonds International told me that they do not take returns because of remorse. I tried to explain it wasn't remorse that they didn't fit and that I wasn't happy with the cost that I was charged. When I got home from my trip a week later I got information in the mail from XXXX XXXX  card I never agreed to open an account with them there's {$10000.00} on that card I don't agree to that I never signed anything for XXXX XXXX  and now they're just blowing me off.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (CA)

I sent an email to Robinhood support " Case Number : XXXX '', to close my account and transfer any remaining funds from my robinhood account to my personal bank account. They replied that they closed my account but didn't specify anything about my funds. There is {$2200.00} in my robinhood account that they are holding XXXX.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : DEPT OF EDXXXX, Account name : XXXX XXXX XXXX, and Account name : 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 2024-08-20
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. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( XXXX ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-20
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. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies.

It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2024-08-20
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. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2024-08-20
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. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.