davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (FL)

I have no knowledge of this account which is roommate got my identity information I was not aware of. which is causing my credit report to go bad. also, I asked the company to show me the proof of paperwork and they failed to provide it. and that's why I need your kind concern to resolve it. thank you.
Consumer complaint received 2024-05-23
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)

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

My phone was stolen in XXXX XXXX XXXX XXXX XXXX XXXXXXXX the Criminals had passwords and access to my XXXX XXXX, XXXX XXXX, banking accounts, routing and account numbers. etc. they spent the next XXXX days trying to fleece as much out of me as possible. 

they used XXXX XXXX ( XXXX XXXX XXXX  ) and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) applications to draw money from My BMO Harris, XXXX, and XXXX XXXX  accounts to make XXXX transactions with the phone 's XXXX XXXX XXXX XXXX XXXX  etc. 

they never once used my debit cards to make purchases, they only ran up my {$2000.00} credit on XXXX XXXX, and then would transfer payments from my accounts to allow them to lower the balance immediately and thus make more purchases. they made purchases from XXXX XXXX to XXXX TX, while i had returned home to XXXX. 

when I called XXXX they where responsive, blocking all transactions and reversing anything and everything. 

XXXX XXXX  tried, but wasn't as successful. 

XXXX XXXX also non responsive, the best i could do was try to change my XXXX password they told me. which was hopeless as the criminals would do the same and revert the card back on for more XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) were also non responsive. 

BMO Harris completely failed. After numerous phone calls trying to explain the situation i was continuously put on call center help in XXXX, who proceeded to tell me there is nothing to worry about, my debit card has been locked and is secure. I tried to explain to them it wasn't the debit card, it was the Payment transfers going to XXXX XXXX and XXXX XXXX that needed to be stopped. Needless to say they couldn't stop {$6000.00} in transactions. 

My BMO account had only XXXXXXXX XXXX which is why i DONT understand how they allow XXXX in additional payments/transfers to XXXX XXXX to occur ? WHY didn't it just stop after XXXX? everyone could have lived with that, but they allowed almost XXXX that. 

NOW mind you i went into my local BMO Harris branch within XXXX hours, with a XXXX XXXX police department Police Report and was given a new bank account and was reassured i would be reimbursed the XXXX dollars stolen from me. which they did do. BUT within XXXX months time, with no warning, with no paper work, with some internal investigation they decided to REVERSE the XXXX, putting me in the negative, causing late fees on my XXXX XXXX, and more. making my XXXX XXXX XXXX a nightmare. it was embarrassing and cost me even more money. They told me for no good reason they had decided to reverse the original decision and Stole from me just like the Thieves did.

all this from a bank who Falsely advertises how secure their customers are. I want to SUE! my Lawyer tells me this is RICO. at this point my credit has been locked for safety, XXXX XXXX canceled my card also a year later with no notice either. 
I don't see how XXXX dollars makes up for all the hardship these banks actions have caused me.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-23
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. (TX)

Thank you for taking the time to remove some of the fraudulent items from my file that resulted from alleged fraudulent activity. However, there are still items remaining that need to be addressed. I was a victim of fraudulent activity and this is another request to remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC (GA)

I checked my credit report on XX/XX/year> and discovered a collection account that doesn't belong to me. 
The errors are as follows : Forest Recovery Services, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had a contract, account nor conducted any business with Forest Recovery Services or listed Original Creditor XXXX XXXX XXXX XXXX This account is fraudulent.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

Filed for a VA mortgage, XX/XX/2023, no money down due to closing of old home and after closing of the new home. Also selling short-term rental condo in XXXX XXXX XXXX XXXX Fl. 
Intention of using proceeds from sale to recast our mortgage within 2 months of closing and lowering our monthly payment. This attractive feature and having between $ XXXX $ XXXX was the main reason for applying for the mortgage with New Rez. Purchased {$470000.00} home and approved for such, again with recasting loan within first 60 days. Never told of any restrictions. Paid first mortgage XX/XX/2023 called New Rez for re-cast instructions on how and where to send monies. We were given an address to wire money. Thank God our current bank which holds our money would not let us wire such a big amount of money, based on verbal instructions to be sent via email and because of the XX/XX/XXXX holiday we were told we had to wait XXXX hours before they could send email. Again, no restrictions. third phone call to New Rez several days after not receiving wire instructions. This person said they would take care of not only advising the correct department of our intentions but promised to email wire instructions. She affirmed we would be good candidates for recast. Again no restrictions. She told us it could take up to XXXX weeks to receive a letter of approval. 
Ok, XXXX phone call. Rude lady who told us we can not recast VA mortgage. News to us. Said we would receive a letter of denial. NEVER RECEIVED! Got our mortgage broker involved. She is told nothing. New Rez does not return calls nor do they share any information. XXXX finds out New Rez sold loan and new company not accepting recast. Never were we advised of this. 
Now we have a $ 3268 monthly payment which could bankrupt us. Solution suggested refinance which sill cost us fees and higher interest rate. 
Someone needs to fix this and make good on the money we have to spend. 
Help, please. Make New Rez recast our loan so we can lower our monthly payment. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tn. XXXX New Rez account # XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-08-01
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. (NJ)

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.

The letters are stated with items and issues.

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 2023-08-01
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. (FL)

According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX XXXX XXXX account : XXXX {$1800.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$0.00} comments : Not mine XXXX XXXX XXXX account:XXXX {$0.00} comments : Not mine XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX account : XXXX {$0.00} comments : Not mine
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (IL)

Barrclay 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/19, I discovered my XXXX 's account had been closed due to non-use. When I requested it to be reopened, I was told I had to apply for a new card. Every time an account is closed or a new one is opened, it affects one 's credit rating. Why are credit card companies allowed to close an account due to non-use? The XXXX 's card is issued by XXXX XXXX, which issued me a XXXX XXXX credit card. Why can't they check that account to determine my payment history?
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX online purchasing 2 tickets on XXXX XXXX at check out - offer came up to apply for CitiBank AA receive {$200.00} off total. Talked to Rep which assist in application. Asked Rep why the {$200.00} was not taken off then, he said he will be on the disconnected on the bill. Received the bill along with card no discount on XX/XX/XXXX. 

Contacted the Rep at XXXX, she says its no {$200.00} discount just {$50000.00} miles. 

{$200.00} is what prompted me to purchase the ticket.
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have filed a dispute against XXXX XXXX XXXX with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$1300.00}. XXXX a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on Transunion online but was unsucessful. I contacted Transunion via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. Transunion failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2023-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

I was given incomplete information about the terms of forbearance by the servicer of my Citizen 's loan ( XXXX ). Here is that complaint, which contains the issue that I am making a complaint for with Citizens : " I applied for an extension/forbearance. I was informed that I could forbear for XXXX increments for up to 12 months. My forbearance was accepted for XXXX and XXXX. I attempted to apply again to forbear for another 2 months since I am still unemployed and experiencing hardship. I was told that I need to wait 12 months before I can forbear again. This XXXX waiting period before using another 2 months of forbearance was not communicated to me in either verbal or written review of the terms of the forbearance. When I brought this to the attention of a representative over the phone, I was informed that the complaint would be made, but I would not be able to get additional forbearance until next year. '' XX/XX/2023 XXXX replied, noting that " In accordance with our agreement with Citizens, as your loan servicer, we are obligated to service your loan in accordance with your lenders guidelines. '' XX/XX/2023 I then called Citizens on XX/XX/2023 to try finding another way to forbear my loan. If I had known I was only able to forbear my loan for 2 months within the entire year, I may have waited and used the forbearance at an even more difficult time. 
I am now making this complaint against Citizens because they were unable to take responsibility for the lack of proper communication provided by their servicer, and were unable to extend my forbearance.
Consumer complaint received 2024-05-23
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. (PA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-22
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. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-12-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. I demand immediate action on your part to rectify this situation. Provide concrete evidence of the alleged charge-off and update the balance to {$0.00}, or alternatively, delete the negative payment status associated with this account. Failure to comply with this demand will not be tolerated. Account : XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in updating the accounts on my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to update them on my credit report. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX