davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

*My name is : XXXX XXXX XXXX name is : XXXX XXXX last name is : XXXX XXXX Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XX/XX/year> security freeze
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes. reporting to my consumer report with XXXX, XXXX, AND XXXX. 
hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. This company has placed an account on my credit report that I have no knowledge of. I refuse to pay this debt & I do not owe it. I am not liable for the debt and I do not have a contract.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested.

This a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any late payments or ownership of the following account number : XXXX Please provide me with : 1. What the money was owed 2. A detailed explanation of how you calculated any late payments.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I would like to report yet another FDCPA violation by Mullooly Jeffrey Rooney & Flynn XXXX ( XXXX ) First off, I would like to note that this is not a duplicate complaint. This is a new instance of XXXX breaking the law. Despite being advised otherwise, they seem not to care, and flip the figurative bird at the law and propriety. 

As you know, under the FDCPA a debt collector is required to send any letters as " Personal and Confidential '' and not display anything on the letter that would indicate it is from a debt collector. 

XXXX violated both of these clauses of the FDCPA today. 

I'm attaching a picture of the letter they sent. It's not marked personal and confidential, but it does clearly display the name of XXXX, a known debt collector. 

Both of these items are violations of the FDCPA. 

Further, although not a violation of the FDCPA, I have asked XXXX multiple times to stop mailing my home address. I live in a small town on a busy road. Mail often goes missing, and it's problematic that they are doing all these things, without care, especially after being told multiple times to stop.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/2023 XXXX XXXX  Monday TD Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Vice President, Store Manager NMLS ID # XXXX The ATM at this TD Bank took my XXXX XXXX ATM Card into the ATM machine and then reset to the opening screen, it did not return/spit out my XXXX XXXX ATM Card. I then went inside of the TD Branch and the Store Manager XXXX informed me that I would have to contact XXXX XXXX to receive a new ATM since this TD has no access to the ATM 's in the Branch and does not service the machine. XXXX XXXX asked me what my name was and I presented to XXXX XXXX my NY State Enhanced Drivers License and told him that I also have a account at TD Bank.
Consumer complaint received 2024-04-17
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. (WA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (OR)

I have had issues with my accounts since trying to open a joint account with my wife who is a not a XXXX XXXX, but has an XXXX, is on my tax bill, and my understanding is that I have the right to contribute to an IRA in her name. We also have been asked by immigration why we do not have any joint bank accounts, so I tried to open a joint checking account with her. I understand now that XXXX only offers checking accounts with a valid social security number. That is fine and that has nothing to do with my complaint. 

My complaint is in regards to my personal, individual checking account I opened in XXXX being locked since last XXXX, XX/XX/XXXX. I attempted to communicate with the bank XXXX, XXXX and was told that they could not provide me with any information and to call back XXXX, XXXX. When I did so, I was told that the reason for the freeze was that I had indicated on an account application that I had income from outside the XXXX. It is possible I checked the wrong box or provided inaccurate information without realizing it, but to the best of my recollection, I had indicated that my wife has income from outside the XXXX, but that I do not. I was told on XXXX that this issue would be resolved within XXXX to XXXX hours. I am very appreciative to the people who originally helped me because when I explained my situation and that I would be traveling that same day, they were able to unlock my account within a few hours. However, the following day my account was frozen again. 

I have again called XXXX twice regarding my account. Now they say they need to know details about my income from XXXX through XXXX, at which time I was working online and living with my wife in XXXX fulltime. I was contracting for a XXXXbased company who I continue to contract for on a part time basis. I really don't know what else to say as I do not understand why this would cause my checking account which I opened in XXXX to be frozen. This is all the information I have, they have simply told me that they are investigating and every time I talk to them since XXXX  they keep telling me it should be resolved by the following day. 

I am currently in XXXX for XXXX weeks with my wife, we are still in the process of her XXXX XXXX, and I came down to celebrate our five-year anniversary which is this XXXX, XXXX. I am not able to access my other account from XXXX ( XXXX ), so this XXXX account is my only source of funds other than my wife 's salary, but we were planning on using money from my XXXX account while I am here. I keep being told that things will be resolved. XXXX  I was given a XXXX window as the maximum this would take and I still do not have access to my funds. Any help is appreciated.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had been officially a victim of Identity Theft fraud in a California state. Please see attached documentations provided to me by the FTC, Local Police, FBI, XXXX Department of Justice. I hope you will FINALLY respect and consider all these documentations from the law enforcement AGENCIES AT THIS POINT IN TIME.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (MD)

I was contacted by XXXX which is a company that monitors identity, finances and sensitive data theft. I was told an account wqs opened in my name at Golman Sachs. I authorized XXXX as a 3rd party to contact Goldman Sachs. We talked to the Goldman Sachs security department and they closed the account as well as provided information to report the identity theft.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

Consumer Financial Protection Bureau ( CFPB ) Subject : Account Dispute Against SANTANDER CONSUMER USA I am writing to file a formal complaint against XXXX  XXXX XXXX  due to the lack of response to a credit dispute letter I sent on [ XX/XX/2024 ]. 
I am writing you this letter regarding payments that were marked late by your company for the ACCOUNT : SANTANDER CONSUMER USA ACCOUNT NUMBER : XXXX following accounts on the following date ( s ) : XXXX / XXXX  It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & amp ; XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards/Sincerely,
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (FL)

I notice after 2 years that when United Wholesale Mortgage Insurance bought my Mortgage did not continue to pay my previous insurance holder premium as was agreed when XXXX setup my insurance, autopay etc. I have paid more than XXXX dollars more in insurance premium in the last 2 years because of this. The worst is that when I wanted to correct this the insurance company did not wanted to honor my rate because of lapse in coverage. What can I do UWM hold my escrow? 

Also when I contacted them apparently after going into my account they deactivated my autopay that has been working for more than XXXX years without a problem. 


My only guess is customer targeting. I am now afraid that UWM will continue to make adjustments to earn more money from me. Never had a problem with a mortgage company. They are persecutting customers to get more money in from XXXX through insurance and late fees.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXX XXXX XXXX to this Debt Collector ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXX XXXXXXXX XXXX to this Debt Collector ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2024-08-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (GA)

I received an unsolicited Chime Card on XX/XX/year>. I tried to close this account that I did not request. The teleprompts did not give me the option to close the account, or speak to an agent to close this account. The website also did not give me the option to close this account. I never activated the Chime Card.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: V and H Portfolio (TN)

I am filing this complaint because I have noticed an alleged debt that was assumed to belong to me in my credit reports. This agency specifically poses as a law firm. According to the FDCPA, debt collectors can not be attorneys. I was also not given the opportunity to dispute the alleged debt they furnished to my consumer reports. This company is in violation of 15 USC 1692e ( 10 ).
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a complaint regarding a violation of the Privacy Act by your organization. I recently obtained a copy of my credit report from your bureau and discovered that my personal information had been shared without my consent, which is a direct violation of my rights under the Privacy Act. 

Specifically, I found the following instances where my privacy had been compromised : 1. The amount of unauthorized Hard inquiries are in direct violation. Dates arranges from XX/XX/2022 until present. Names that are not my actual name is on the report and as well as addresses that are unmailable that I'm not associated with. I have reached out to each of the credit agencies about this matter and I've been ignored on multiple occasions I would like to emphasize that the Privacy Act is in place to protect individuals ' personal information and ensure its confidentiality. As a consumer, I have the right to expect that my personal data is handled with utmost care and only shared with authorized entities under appropriate circumstances. 

The unauthorized sharing of my personal information has raised significant concerns regarding the security and integrity of my credit report. It is imperative that your bureau takes immediate action to rectify this situation and prevent any further unauthorized disclosures.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am filing this complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ). TransUnion is unjustly preventing me from accessing my own credit file and is also blocking lenders from accessing my credit report. They have informed me that these restrictions will remain in place until I cease disputing inaccurate information on my credit report. 

This action by TransUnion directly infringes upon my legal right to dispute inaccurate information on my credit report. I have a right to challenge any errors and have them corrected. TransUnion 's refusal to allow me to access my credit report and their interference with lenders ' access to my report are causing me significant harm, including : Denial of Credit : I am unable to apply for loans or credit cards due to the lack of access to my credit report. 
Increased Interest Rates : If I am able to obtain credit, it may be at a higher interest rate due to the lack of accurate information.

Difficulty Renting or Buying a Home : Landlords and mortgage lenders may be unable to process my applications.

I have attempted to resolve this issue directly with TransUnion, but they have refused to lift the restrictions unless I withdraw my disputes. This is a clear violation of the FCRA, which protects my right to dispute inaccurate information.

I am requesting that the CFPB investigate this matter and take appropriate action to compel TransUnion to restore my access to my credit report and allow lenders to access it as well. I am also seeking compensation for any damages I have suffered as a result of TransUnion 's illegal actions.