davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-02-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

On XXXX, I applied online to open a CD at BMO Alto Bank. Within minutes my application was declined. I followed the suggestion to apply again. Again, I was declined. I believe this is age discrimination. I'm XXXX, own a mortgage-free condo and have good credit. Plus, I was going to give BMO money. I was not asking for a loan, mortgage or credit card. I have credit cards. Of particular concern is that on the application I had to provide my SSN. I believe my SSN can easily be compromised and the bank will claim they don't know me, as I am not a customer.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (LA)

I am writing to express my concern over the infringement of my consumer rights caused by the dissemination of inaccurate information. Fair treatment is my fundamental right as a consumer, and I kindly request a thorough explanation of the deficiencies in meeting accuracy and compliance obligations. 
Moreover, it is crucial to emphasize that I can not tolerate negative information, regardless of its certification. 
What truly matters to me is the verifiable truth regarding your company and the data associated with my credit profile. The lack of accuracy in the credit report I received is surprising, as it is expected that you adhere to the FCRA and applicable Metro 2 data field formatting standards. I hereby challenge you to provide a comprehensive, verified, complete, and truthful document that supports each claim made. Failure to adhere to these standards, as outlined in the 2020 XXXX, poses a severe risk to data integrity.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-04
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX at XXXXXXXX XXXX, I received a chase fraud alert informing me that a total of {$410.00} was declined at a XXXX grocery & if it was me who tried this transaction. I checked to see if my card was possibly stolen, but my card was in my possession & not taken, I responded to the Chase Fraud alert with, NO. A chase specialist called me & we discussed the matter & she right away canceled my card & put in the request to mail me a new card. All my funds in my account were there & valid, but when I got home I had double checked to make sure if there was any possible unrecognizable charges made & that is when I came to my account & my account was down to {$98.00}. Someone had made a withdrawal of two transactions, one of {$3000.00} and the other of {$1000.00}. I right away called my bank & made a claim because this was not me. My account information was stolen & possibly my pin. The bank then informed me that I would be receiving temporary credit funds back in my account within 12 hours. I never received those funds & I called again for an update. The chase specialist I spoke to let me know that I should receive funds within a couple days & that it has been approved I just have to wait until the XXXX of XXXX. A week went by & I still have not received my funds & I called the claims department once again & that person told me that the post date for me to receive funds is XX/XX/XXXX. A couple days later after I made that call which is today, the claims department of Chase informed me that my claim was denied because whoever access my account & withdrew money out of it would only be able to do so because they got a hold of my pin number. The bank is unable to & will not help me, someone stole {$4000.00} out of my account & I can not get it back because the bank feels as if my situation is not true.
Consumer complaint received 2024-08-06
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. (AL)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am filing this complaint regarding the failure of XXXX, Experian, and XXXX to properly investigate my disputes related to incorrect negative information on my credit report. Despite multiple attempts to resolve these inaccuracies, the credit bureaus have responded with stall tactics rather than conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). 


The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship. 

Requested Resolution :
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (MS)

On Tuesday, XX/XX/ I applied for a mortgage with a company. The company got my credit profile without any problems. There is supposed to be a security freeze on my credit report which was not the case for me. I did the application to see if the company can pull my credit report on file and sure enough they did. LEXIS NEXIS DID NOT PUT A SECURITY FREEZE ON MY CREDIT REPORT AND THAT CAUSED ME DAMAGES TO MY CREDIT FILE AND SCORE.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP (OK)

I was served papers regarding my XXXX XXXX XXXX from Rausch Sturm, LLP. My wIfe then contacted Rausch Sturm, LLP, stating an attorney had been retained for bankruptcy. Asking why they served me with this knowledge. They stated they were aware and knew they couldn't contact me. She was told they could do that and that we should contact the bankruptcy attorney. I contacted my bankruptcy attorney to see if anyone had reached out to him as we had no knowledge that the debt had been sold. He confirmed he had not been notified either. Here are the issues I have with this company ; 1. An initial demand letter was not sent to me to give my 30 days to dispute/validate the debt. Which is a violation of the FDCPA.

2. Due to that my right to dispute was taken from me. 
XXXX. When i received the documents suing me, I noticed the creditor was listed as XXXX XXXX, not Rausch Sturm. When Rausch Sturm purchased the debt, they became the creditor and XXXX one would be the original creditor. 
XXXX. When the debt was sold, the required notification was not sent/received from XXXX XXXX or Rausch Sturm . 
XXXX. Why is a bankruptcy account/ attorney retained even purchased by debt buyers? 

I will also say that the agent my wife spoke with at Rausch Sturm was not very helpful and/or empathetic. It is hard enough and stressful enough being in a financial bind and trying to file bankruptcy. Last thing I need is a rude representative who is not helpful and a debt buyer who is trying to recoup their few cents on the dollar by suing someone they clearly knew had an attorney retained for bankruptcy. 

In addition to filing with CFPB, I am also filing with the XXXX, the attorney general and I have contacted an attorney regarding these violations.
Consumer complaint received 2024-05-30
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. (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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

When I called the dispute phone number I was routed to a person who I could not understand. When I asked for the web address to submit my statement and corrected information I was told it had to be done by mail or I could subscribe to the pay site and submit it. Transunion has so many sites its confusing. Isnt it supposed to be free to correct your information? It really is bad everything your bank does is through Transunion. To get a loan I have to have this issue corrected. Maybe if the representative lived in the same country and understood the process they are working with.
Consumer complaint received 2024-05-30
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. (DC)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights I will attach supporting documentation of the inquiries on my consumer report.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (NY)

Attempted to contact reporting agencies about injuries, they were no help. received many automated messages. 
Experian file was compromised with unrecognized/unauthorized inquiries. 
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 2016-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

National Star returned XXXX of my payments. The payments are for the correct amount. However, they want me to continue to pay for their insurance policy. The funds that are sent to cover my current, active, insurance policy are n't being applied. Instead they are being utilized to cover the insurance preferred by National Star. Further, National Star Bank continuously, refused to honor my request to cancel their insurance. They are trying to force me to pay for both. I indicated, several times, that I did not want to utilize their insurance company. National Star stated that I have to pay on their insurance and my insurance company payments will be an additional payment and held in escrow. I did not agree to pay for both, especially their 's, policies. Also, they keep reporting me late to the credit bureau and I am suffering from their poor decision making and torpid policies. They should not retrurn my payments.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (AL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Consumer complaint received 2024-05-30
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)

PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-05-30
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)

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 
Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-18
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 reached out to Experian to dispute an incorrect name on my credit report, XXXX XXXX XXXX. My name is not XXXX XXXX XXXX. My name is XXXX XXXX. They explained they could not remove the name because there is an account under this name. As a result, I would like to dispute the accounts associated with the name XXXX XXXX XXXX. My credit report needs to contain accurate and information that is mine. I have attached documentation of the accounts in question and copy of my drivers license.
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

Constant phone calling. Multiple times a day, multiples times in 7 days. In some days like below the debt collector called twice every hour for a couple hours. Here is the call log within the last two days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am literally being reprimanded at my place of employment due to these calls. I have attached call logs for your reference. This is a violation of the law. Please help.
Consumer complaint received 2023-04-28
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. (MD)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX Balance XXXX {$910.00}, XXXX XX/XX/2022
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$600.00}.