davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
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)

I am writing to file a formal complaint and dispute regarding an account on my credit report that I believe is a result of identity theft. The account in question is with XXXX XXXX, and it was reported on XX/XX/year>. The details of the account are as follows : - Account Holder : XXXX XXXX - Reported Balance : {$710.00} - Credit Limit : {$400.00} - Account Type : Charge Account - Responsibility : Individual Account - Remarks : Charged off account, Account previously in dispute - Now resolved by data furnisher, First payment never received I am disputing the accuracy of the information reported for the following reasons : 1. **Identity Theft : ** I have reason to believe that the account in question is a result of identity theft. I did not open or authorize this account, and I have no affiliation with XXXX XXXX. 

2. **Inaccurate Reporting : ** The reported balance of {$710.00} and the charge-off status of the account are inaccurate and do not reflect my financial history or activities. I request a thorough investigation into the origin of this account and verification of its validity. 

3. **Resolution of Dispute : ** The remarks on the account indicate that it was previously in dispute and has now been resolved by the data furnisher. However, as I did not initiate this dispute, I request clarification on the details and outcome of the dispute resolution process.

4. **Protection of Credit Report : ** I request that immediate steps be taken to protect my credit report and prevent further damage resulting from this fraudulent account. This includes the removal of any inaccurate or fraudulent information from my credit report. 

I request that the Consumer Financial Protection Bureau prioritize this matter and conduct a thorough investigation into the identity theft and fraudulent account activity. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft.

- Correction of any errors or inaccuracies in the reporting of the fraudulent account. 
- Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

I have attached copies of relevant documents and correspondence related to this dispute for your review and investigation. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-17
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: AMERICAN EXPRESS COMPANY (TX)

The American Express account # XXXX is reporting incorrectly to XXXX. XXXX claims to have verified the information in XXXX of XXXX. The account in question first reported delinquent in XXXX. The other XXXX bureaus ( XXXX and XXXX ) have since removed this account from my credit report due to the account being reported negatively for XXXX years. Each company removed the item in XXXX of XXXX or prior. I am requesting that XXXX remove this item immediately from their consumer report containing my information. XXXX is in violation of the FCRA laws. According to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

I am requesting that they remove the negative account immediately from my consumer report furnished by them to match the other consumer reporting agencies which show the correct information. I don't understand how XXXX can have access to the SAME information furnished by the original creditor but provide a different outcome that is completely against the law.
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. (PA)

This is in my report and it is incorrect I want it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account XXXX XXXX XXXX  Account # - XXXX This Account was charged off on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment History. after an account is charged off, there should be no update in the payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly on two occasions and your neglect has violated my rights. Please delete this Account off of my credit report! 

Account XXXX XXXX XXXX Account # - XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It's a requirement under FCRA 605B to eliminate any inaccurate accounts from my credit report. These accounts are incorrectly reported. I'm owed {$1000.00} for every incorrect entry on my credit file.
Consumer complaint received 2024-08-28
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)

I recently reviewed a copy of my credit report and found fraudulent accounts on my report. This is against the XXXX XXXX XXXX and I would like to have it removed so I can get credit. Please remove these accounts from my report, they are affecting my ability to get credit.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: M&T BANK CORPORATION (CT)

My Checking and Savings Accounts were hijacked and accessed illegally by my XXXX 's son named : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX on XXXX XXXX and XXXX, XXXX and I've not got cooperation from the Police Department of XXXX XXXX, XXXX  to file a criminal complaint for Criminal Impersonation, XXXX Crimes affecting my Financial Institutions/s and : Larceny on $ $ while breaching my computer and associated financial accounts. I don't know where to turn at this point??
Consumer complaint received 2024-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

Unauthorized credit inquiry on credit report due to fraud. XX/XX/year> a hard inquiry was initiated on my credit profile without my knowledge or consent. This constitutes as a violation of the FCRA. Please have inquiry deleted and/or removed from consumer credit profile immediately.
Consumer complaint received 2024-05-11
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. (CA)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-04-17
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: Westlake Services, LLC (TX)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Name : WESTLAKE FIN Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,
Consumer complaint received 2024-02-01
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. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$780.00} 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 XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 1 : XXXX XXXXXXXX Account number XXXX : XXXX Account name 2 : XXXX XXXX Account number XXXX : XXXX Account name XXXX : XXXX XXXXl Account number 3 : XXXX I looked at my Transunion credit report back in XXXX and noticed some things are incomplete and inaccurate. It ranges from everything to dates being wrong, credit limits wrong, balances wrong and most importantly Payment history inaccurate. I have sent numerous dispute letters and can not get them to delete or modify the accounts appropriately. My screenshots from XXXX prove the misinformation they are spreading that remains on my credit report. According to the fair credit reporting act whenever a consumer reporting agency prepares a credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any further investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are not supposed to 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. 

Please hold Transunion accountable by making them remove these accounts from my credit report and send me a copy of the updated report.
Consumer complaint received 2016-11-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I fell behind in my mortgage due to some financial hardship. Nationstar Mortgage is my current lender and they raised my mortgage payment by {$300.00} dollars, without notifying me of the increase because of an escrow shortage. I called Nationstar to make arrangements or determine what my options were. They had began the foreclosure process. At that time, I began to go through the modification process with Nationstar. I submitted paperwork after paperwork, only to be told several times that they did not have the documents. I submitted the same document over 5 times, as they repeatedly told me they did not have it. At that point, I began to get nervous because I read that this is a standard practice of Nationstar to stall its consumers. I had been assigned to a loan specialist, XXXX XXXX, who I understand is the lead loan manager at Nationstar. I would call Nationstar to follow up with him, but it always went to his voicemail, and I would have speak with other agents, who appeared to be incompetent and unhelpful. After weeks of trying to get all the documents to underwriting, it finally made it with a daunting foreclosure sale date XX/XX/XXXX. Nationstar informed me that the modification would postpone the sale date. I was advised that it would take 20 to 30 days for the process. My documents were in to underwriting on XX/XX/XXXX. I called to inquire when I would receive disclosures forms, because I have no idea what type of modification I was applying for or the terms. The rep on the phone stated 3 to 5 days. I did not receive any disclosure forms but I received a copy of my credit report along with the coborrower. I called Nationstar, to request the status of the modification and when I should expect to receive my disclosure forms. The Nationstar rep informed me that I have been denied for all the modification available because I did not occupy the home. What??? I have lived in my home for over 8 years. Mind you, I have called Nationstar over a 100 times during this process and this is one of their verification questions. My answer has been the same each time. Yes, the home is owner occupied with me! The Nationstar rep informed me that I would have to wait to get my denial letter to appeal. I could not understand this and I refused to get off the phone until the matter was escalated. After an hour on the phone, my dedicated loan specialist, XXXX XXXX joined the call and apologized for the mix up and stated that he would work with underwriting to resubmit. He stated that he would walk it over personally. I am nervous because I feel like I am getting the run around and Nationstar is going to take my house from me by giving me the runaround. The horror stories and reviews are awful from consumers going through this process with Nationstar. As a consumer, this type of treatment and lack of competency on Nationstar staff is unacceptable. I am just trying to save my home and get back on track. I do not have faith in this process with Nationstar and I need help.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (PA)

Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 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 the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
This complaint is due to the Consumer Credit Transaction with t
his companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.
Consumer complaint received 2024-02-01
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (MA)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Kindly eliminate the accompanying records as they are false and were opened without my assent or information. 

I have been requesting this to be remove from my credit file. But the bureaus just don't really do anything about it. It is still reporting on my file! 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

Hello I was astonished after have a Barclays arrival plus for 6 years the card was shut down with no call no warning. I paid the annual fee every year of {$89.00} and never missed a payment. They wouldn't tell me on the phone the reason I had to wait for the letter. Letter came said they found negative public record identified. I checked records that I could online and nothing came up. I called to find out where they got the information from after being on hold for 30 min. I was told they do not have access to that info. 
After all this I had over XXXX points which I could redeem for travel they refuse to give me those points or use them as well as no refund for the additional month left of my year from the annual fee I paid. 
Please help Thank you