davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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. (FL)

Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number : XXXX, a collection account XXXX XXXX XXXX ( original creditor XXXX XXXX for a fraudulent credit card ) on XX/XX/XXXX under the account number : XXXX, and a credit card collection account XXXXXXXX XXXX  on XX/XX/XXXX under the account number : XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. FTC identity theft report for all of the 3 mentioned accounts is in the attached document. I have also included a related local police report from XXXX XXXX POLICE DEPARTMENT whereas an individual used a fake ID with my information and their picture to fraudulently open a bank account in person, this is suspected to be the same individual who has stolen my identity with the aforementioned accounts. I have included a copy of my Drivers license and Social Security card to validate my real identity. All of the mentioned information is included in the attached PDF document.
Consumer complaint received 2024-05-13
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I had filed a complaint to you about a XXXX  XXXX being reported under Public Records on my report. This XXXX  XXXX never happened and should not even appear on my report. I have not gotten the resolution from you and it says I don't have open complaints.
Consumer complaint received 2024-05-16
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXXto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removal the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX 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 2023-08-28
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. (MA)

I am writing to formally dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Original Creditor : XXXX  The account labeled as XXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$1300.00} The account labeled as XXXX XXXX with Account # : XXXX is not associated with me, and I respectfully request its removal from my credit report.
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: Experian Information Solutions Inc. (OR)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX XXXX Account name : XXXX XXXX Account name : # XXXXXXXX XXXX Account name : # XXXX XXXX XXXX, Has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 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 ) ( 1 ) 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 then records of convictions of crimes which antedates the report by more then 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 2023-09-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I purchased a {$100.00} XXXX Debit card issued by U.S. Bank National Association from XXXX XXXX XXXX on XX/XX/2023 pursuant to a license from XXXX USA for a gift. As soon as my mom tried to use it, it did not work. I called the number on the card, and the agent indicated that they de-activated the card AFTER I purchased it since their records showed someone else had tried to check the balance of those numbers in XXXX before I ever touched the card as it was in a rack in the store at that time and I was not there. Apparently thieves take large card numbers and keep checking them to see if they have been activated so that they can drain them after someone else purchases them, while the purchaser doesn't know they have the number. The agent at US Bank National Association they said all I could do was send my driver 's license and pictures of the card to a fax number XXXX XXXX XXXX. I asked to verify that fax number or if there was an email or if I could speak to a supervisor, but the two agents did not accommodate the request. I XXXX  that number, and many cases said that it was a scam. People have reported that the bank does that to get your personal information, and many people send that information and never get a new activated card. I have case numbers from my two calls to USB if needed. I asked if there was an email that I could send to verify that my information would be secure, and they said no. I really want my {$100.00} back! I called XXXX where I purchased it also, and they directed me back to the bank phone number on the card so I called the second time for the second case number that I can provide. If they can see that the card has been de-activated and no money has been used, why can't I just send them the card back with my mailing information or receive a digital card. Why do they need my government ID with no proof that they will protect my information? This is not my fault! I did nothing wrong. This should not be allowed as it has happened to many people.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VI)

Experience is Knowledge, and Knowledge is power. 
XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX Thursday, XXXX XXXX, XXXX XXXX. 
XXXX XXXX, VA XXXX Attention : Consumer Solution Department As of XXXX XXXX, 2016 the named company received my mortgage as the Server. To date, I have received no correspondence from Loan Care. I contacted my old Mortgager and was informed to wait for a new loan number from the New Server, Loan Care. 

My transfer letter states that during the next sixty days, no late fees may be charged to me, until the Loan is properly transferred. 
I am presently receiving harassing automated calls from Loan Care. A follow up call says that this is a courtesy call reminding me that my loan is due on XXXX XXXX, 2016. I contacted Loan Care via phone and was told that the Harrassment Calls could not be halted unless I write a request. 

Please consider this my request, that automated Harassment ( courtesy calls ) must not be made to my phone. I pay for this phone service for my business use. Your continued harassment will be reported for what it is : an interruption of my peace, disturbance of my livelihood, an intimidation. 

Please immediately stop future calls to my number, ( XXXX ) XXXX.
Consumer complaint received 2024-05-12
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. (TX)

XX/XX/year> To whom it may concern @ the CFPB : I am writing to bring to your attention unauthorized inquiries that have been made in my credit report. The creditors, who did not have a permissible purpose to access my consumer report, made the inquiries. 
15 U.S. Code 1681b governs how a third party can access my consumer report. They did not have permission or a reasonable business need. 
According to the Fair Credit Reporting Act, creditors are only allowed to pull a consumers credit report with their permission or if there is a legitimate business need. It has come to my attention that several creditors have pulled my credit report without my consent or any valid reason. 
I am requesting that these unauthorized inquiries be removed from my credit report immediately. I have attached a list of the creditors and the date of the inquiries for your reference. I trust that you will investigate this matter thoroughly and take the necessary steps to rectify the situation. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon, regarding the complete removal of these unauthorized inquiries. 


SINCERELY, XXXX XXXX XXXX
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: Experian Information Solutions Inc. (MS)

Fraudulent accounts and inquiry on my credit report Fraudulent accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent inquiry XXXX bank XX/XX/2024
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This relates to XXXX XXXX XXXX check # XXXX. On XX/XX/XXXX, someone stole the check ( issued on my name ) for my house fire damage reconstruction of {$140000.00} which was sent to my public adjustor 's address -- XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX and was missing from that address. When I was notified by my mortgage company that the check was deposited, I went to my local Capital One bank and found out that there was a fraudulent bank account opened that deposited this check. After that, when I asked Capital One to return the money, Capital One told me that the money could only be sent back to the check issuer, which is, XXXX XXXX XXXX Capital One also requested that XXXX send them a hold harmless letter to receive the money back, which XXXX sent them. After that, on XX/XX/XXXXXXXX I received a call from XXXX XXXX ( Capital One Bank, Ext No. XXXX ) who told me that the money was sent back to the XXXX account on XX/XX/XXXX. But until now, my mortgage company did not receive the money back. After that, I repeatedly called Capital One Bank, and talked to the local bank, but they did not give me any reasonable answer as to where the money is. 

I am asking that CFPB urge Capital One Bank to return the sum of money to XXXX XXXX XXXX so I can repair the house from fire damage.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Have been trying to receive a check on a closed account since XX/XX/2023. Have called every single week since -- 16 times. All other mail, all statements, and the letters denying the request to resend the check are received without incident at the XXXX XXXX XXXX XXXX, XXXX FL address -- in fact have received FIVE letters of RESPONSE TO YOUR CONCERN advising to call and update the address. When called, they create an investigation, and promise someone will call back within 24-48 hours. Have never received a return telephone call, but do receive all of their mail aside from the check. There is only one address, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. All other correspondence is received and has been received at that address for several years, it is the only address.
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (PA)

I sent a validation/verification request to chase in order to know that the account is owing. Pursuant to UCC 3-210 I am allowed to ask for an authenticated record of the account. I am seeking for the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss with this account. In the notice I had also mentioned that I will do an FOIA search of the account to see if any insurance claims had been paid out. Additionally, depending on the response of the company, I will ask the IRS to audit the account. Lastly, I am requesting that this company cease reporting this item of information on all consumer reporting agencies pursuant to 15 U.S. Code 6802 and Privacy Act of 1974. As a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.
Consumer complaint received 2024-06-03
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. (NJ)

the following inquires are not from me. Must be identity theft. 
12inquiries These lenders have accessed your credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-27
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Broward Adjustment Services (VI)

I contacted Broward Adjustment Services ( " BAS '' ) by phone to pay an outstanding debt that is owed to the University XXXX XXXX medical facilities. On XXXX XXXX, 2015, I authorized BAS to withdraw a payment from my checking account in the amount of {$480.00} - to pay the total amount due in full. I was informed that my receipt would be the statement from my bank. In addition to the bank statement, I requested that BAS send me a written notice confirming that the payment was made, and that my account with the collection agency was closed. The representative who I spoke to that day updated by contact information, and confirmed that a confirmation would be mailed to my mailing address. 

On XXXX XXXX, 2015, when I checked my bank account to see whether the payment had been made to BAS or the University XXXX XXXX, I noticed that the {$480.00} was withdrawn from my account. The issue arose when I looked at the check that was written by the agency, and realized that BAS had written the check to be made to " XXXX XXXX XXXX XXXX XXXX. '' This is not the correct payee. 

I contacted BAS today, on XXXX XXXX, 2015, to inform them that they wrote and processed the check by sending the payment to the wrong payee. The representative who I spoke to, XXXX ( Last Name Unknown ), told me that the bank statement was my receipt and refused to provide me with information as to whom the payment had been made. She also refused to send me confirmation in writing that my account was closed, and that the debt had been closed. I explained to her that the statement can not serve as a receipt being that it shows that a payment was made to the wrong party. If the creditor was to seek confirmation of payment from me in the future, I have absolutely nothing that definitively states that the payment was made to BAS, or the University XXXX XXXX.
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: Experian Information Solutions Inc. (IL)

Subject : Dispute of Derogatory Accounts Due to Identity Theft Dear Sir/Madam, I am writing to dispute the derogatory accounts on my credit report, which are a result of identity theft. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , and XXXX XXXX XXXX. These accounts were opened fraudulently without my knowledge or authorization. 

I first discovered these accounts when reviewing my credit report and noticed unfamiliar and unauthorized charges associated with them. Upon further investigation, I found that my personal information had been compromised and used to open these accounts without my consent. 

I have taken the necessary steps to report this identity theft to the proper authorities, including filing a police report and notifying the Federal Trade Commission. I have also contacted the creditors directly to dispute the charges and have provided them with the required documentation to support my claim of fraud. 

I respectfully request that these derogatory accounts be removed from my credit report as they are a result of identity theft and not a reflection of my credit history or financial responsibility. I have attached copies of the police report, FTC identity theft affidavit, and any other relevant documentation to support my claim. 

I understand the importance of accurate and fair credit reporting, and I request your assistance in resolving this matter promptly. Please investigate these disputes and provide me with a written response detailing the actions taken to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the derogatory accounts from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted!

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (NV)

According to the attached letter provided by US Bank dated XX/XX/XXXX, US Bank ceased reporting my mortgage on XX/XX/XXXX stating that they received notification of a Bankruptcy filing. However, as US Bank will find attached, the US Bank Mortgage account was re-affirmed and should be reporting in good standing on my credit report from the time US Bank became my servicer until the current date. I am sure that US Bank received these same documents in XXXX of XXXX and may have overlooked or disregarded them. This improper action has caused me financial harm, personal distress, and damage to my credit standing, score, capacity and general character. I believe the reaffirmation documentation attached that was provided by my attorney and that I had to pay extra monies for, should compel US Bank to report my mortgage as legally required by the courts and the Fair Credit Reporting Act.