davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-22
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. (CA)

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Regarding alleged XXXX  payments. Loan number XXXX I am XXXX XXXX XXXX birth name XXXX XXXX. The legal.owner of the property listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I am not sure how or why Bank of America could have issued a loan after a previous XXXX caused by my parents which caused me to purchase the home in XXXX 

I didn't sign a loan my XXXX  had no legal ownership of any property at that time other than XXXX XXXX XXXX XXXX XXXX  at the time of the loan. 

Bank of America has refused to show proof of legal the loan was granted legally. To properly owners.
Consumer complaint received 2024-05-02
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate.
Consumer complaint received 2024-05-02
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)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX : True identity fraud XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

Was sent two contracts when I turned them in for not updating my credit or updating the account I asked why was there two contracts and the lady could not give me a answer told me she would look into it well we have gone 4 months and nobody has told me anything I only signed one contract so if the dealership or the finance company signed the other contract which is illegal my lawyer has instructed me to file a lawsuit against the dealership and the finance company
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

This complaint is about Chase Bank.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud, even after a third party bank had detected the fraud. Chase is denying my claim due to time frame. If Chase had notified me, I should have been able to file claim a lot earlier.

1. On or about XX/XX/2019, I dropped two mails in post office drop box, one mail with a check # XXXX of {$17000.00}, payable to Internal Revenue Service ; the other mail with a check # XXXX of {$5900.00} payable to XXXX XXXX XXXX. My checking account is with Chase Bank. Later I noticed the funds were drawn from my account. 

2. On XX/XX/2019, a third party bank XXXX XXXX  called me, told me that there was fraud involved with these two checks.

3. I checked with Chase, the " Pay to the order of '' part had been altered for both checks. And the checks were cashed at XXXX XXXX. 

4. On XX/XX/2019, I immediately filed claim with Chase Bank. I was told by a Chase banker that my funds would be returned to my account within about 11 days.

5. But on XX/XX/2019, XXXX notified me that they were denying my claim because my claim was not filed within time frame.

6. On XX/XX/XXXX, I reported the fraud to police department.

7. On XX/XX/XXXX, I escalated my claim to Chase Executive office.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud. I learned it only from a third party bank, which is XXXX XXXX. 

So far, Chase still refused to approve my claim.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 U.S.C 1681 XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Ive never had a late payment. I filed a dispute to have this corrected and every time each credit bureau say that items are accurate and true. Please remove late payment from my credit report.
Consumer complaint received 2024-05-02
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. (AZ)

Dear : Credit Bureau Immediate Cease and Desist Demand for Identity Theft info Blocking - Under FCRA 605B, as the consumer demand the blocking of identity theft-related info of credit report, pertaining to All negative derogatory remarks, All. Unauthorized Inquiries, All unauthorized collections and " Student Loans '' pertaining to TRANSUNION, effective ASAP.
Consumer complaint received 2023-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

MOHELA increased the interest rates on my student loans. My loans were transferred from XXXX XXXX to MOHELA when I submitted the XXXX form. Starting in XX/XX/2023, I alerted MOHELA that the interest rates were higher. They never fixed it and refuse to reply in writing. They simply respond by saying that I need to call them.
Consumer complaint received 2024-05-02
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. (NY)

After reviewing my Transunion consumer report I noticed a collection that shouldn't be reporting. The collection is from XXXX XXXX XXXX collection company and the original creditor being XXXX XXXX XXXX with a balance of {$220.00}. This debt is wrong and misleading information which hinders my credit worthiness. I've already reached out to Credence via certified mail requesting validation and verification of the debt as well as disputing the debt entirely. I then followed up with writing Transunion as well disputing the negative item and to inform them that I've contacted the debt collector also. To my understanding XXXX XXXX XXXX has 48 business hours upon receiving my dispute to stop any form of communication within the 30 day validation period. Communication being via phone, email, contacting any employers, as well as reporting of any negative items and or information to any of my consumer reports. XXXX XXXX XXXX HAS NOT validated or verified anything nor can they due to his debt being false and misleading information. Transunion also HAS NOT removed this particular item from my consumer report nor marked it as in dispute. I've also attached a copy of my original letter to XXXX XXXX XXXX along with certification it was sent and the return receipt showing it was received also. Certification of my Transunion letter being sent as well as return receipt showing that it was received. I also included my updated XXXX and XXXX consumer reports showing that this debt is not included in those consumer reports at all. To my understanding this is a clear violation of 15 US code 1692e with this being false and misleading information. This is also a clear violation of 15 US code 1692g due to the debt collector NOT ceasing any efforts of collecting without the debt being validated as well as NOT removing the debt from my consumer report Nor marking it as " in dispute ''.
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: Synovus Bank (NJ)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ First Progress Card & XXXX opened on XX/XX/XXXX with them amount of {$230.00}. [ First Progress Card XXXX opened XX/XX/XXXX with the amount of {$200.00}, are not complete and accurate. The open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX  ( XX/XX/2021 ) I applied for this card and was approved. The card was sent to me pre-activated but I never received it in the mail. XXXX tried to send me the card three more times, and still never got the card. Every month they kept on adding late fees and other administrative fees on top. Called them on numerous occasions to informed them that I never received a physical card nor statements. All calls went unanswered. The account eventually charged off and card was being reported incorrectly on my credit report. I disputed this on numerous accessions and neither of the credit bureaus ( all three ) removed files off my credit report. They all said that this adverse account is accurate and verified. Which is all lies.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It XXXX Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX COS XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX/ ACCOUNT XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my XXXX XXXX is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within XXXX  days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never authorized nor gave consent to the companies in collections to have my information.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The company stated that they were not reporting a false balance that they were reporting a XXXX balance and they have not reported a XXXX balance They are reporting {$120.00} balance as a XX/XX/XXXX and here it is now XX/XX/XXXX XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capital One QuickSilver Credit Card with XXXX mos of 0 % interest ended on XX/XX/year>. In the first week of XX/XX/year> ( probably on XX/XX/year> ) I did call Capital One Master Credit Card to ask when I should pay off my entire credit balance to avoid Interest. The Capital One CC representative told me that I had until XX/XX/year> due date to pay off my balance to avoid INTEREST because it has the GRACE PERIOD. So I waited to pay off my CAPITAL ONE QuickSilver XXXX balance on XXXX XXXX 2024 instead of XX/XX/year> due date. But today XXXX XXXX, I saw Capital One charged me {$97.00} INTEREST. I called CAPITAL ONE CC again talked to XXXX to ask why Capital One charged me INTEREST {$97.00}. XXXX told me that the Interest accrued daily from XX/XX/XXXX to XXXX XXXX 2024. I requested XXXX to investigate why the Previous Capital One Rep LIED to me that NO INTEREST would be charged when I called in early XX/XX/year>. XXXX played XXXX and refused several times to conduct investigation and kept saying the INTEREST is correctly charged to my XXXX account. After XXXX min, XXXX finally did agree to put a note into account about my request for an investigation. 
Then I requested to talk to XXXX 's supervisor. I talked to XXXX XXXX XXXX 's supervisor ) and she played XXXX and kept ignoring my request to investigate the PHONE CALL I made in early XXXX ( XX/XX/XXXX ) and kept telling me about my payments in the last several months and said nothing about any PHONE CALL I had made back in XX/XX/year>. XXXX repeated that {$97.00} INTEREST charge is correct. I kept requesting XXXX to investigate why Capital One rep XXXX to me in early XX/XX/year> about NO INTEREST and NOW today Capital One charged me {$97.00} INTERET???? XXXX kept playing XXXX and dancing around my request of investigation of LYING to customer in order to charge INTEREST to CC customer. I WANT Capital One XXXX ) REMOVEs {$97.00} from my Capital One Quicksilver XXXX and I don't want to pay this INTEREST {$97.00} on XX/XX/year> due date and NO INTEREST accruing from this. 
XXXX ) XXXX internal investigation about XXXX XXXX rep XXXX  to customer in order to charge INTEREST.
Consumer complaint received 2024-05-02
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)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

E Oscar XXXX XXXX : True identity fraud
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

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 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TN)

I submitted a cashiers check as an online deposit on XX/XX/29. It is a CASHIER 's Check and Wells Fargo has told me the funds will not be available until XX/XX/XXXX. The issuer has already been charged the money from his account. Not sure where the funds could possibly be at this point? I have received four different answers about the delay... have filed complaints after complaints with the team only to find out different answers every time I have called as the for the nature of the delay. I have been a WF customer for over 8 years and this is just insane. Never have I ever seen a cashier 's check held up. Avoid WF with everything you have.