davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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. (IN)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. I recently received a notice from XXXX XXXXXXXX, dated XX/XX/XXXX, XXXX dated XX/XX/XXXX. However, I want to emphasize that this account is not mine and has never belonged to me. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to removed negative marks from my credit report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.
Consumer complaint received 2023-12-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$17000.00}
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, 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. (MA)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXX XXXX Experian and/or XXXX ) credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize. 

Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXXXXXX XXXX  XXXX Date of request ( s ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( s ) XX/XX/XXXX XX/XX/XXXX Account name XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX & XXXX Date of request ( s ) XX/XX/XXXX Account name XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WV)

On XX/XX/2023, I ordered a cake in person from XXXX XXXX, in XXXX, XXXX, XXXX I sent an email at the time of purchase, as per the clerk 's request. I paid for the cake, and even gave a " tip. '' I felt confident as per the " Excellent '' reviews, and " reputation, '' of this Bakery. ( I am new to XXXX ) and did not have much experience to go on, only the reviews on XXXX, and XXXX. I was wrong. When I picked up the cake on XX/XX/2023, I noticed straight away, it was sitting on the shelf behind the counter. In a box WITH NO LID. I was handed the cake and had to struggle to open the door with no help from the clerk. TWO RED FLAGS ALREADY. I took the cake to my granddaughter for her XXXX Birthday as her present. This was what she wanted for her birthday. A " Popsicle Cake, with white batter, white icing, with popsicles on the cake. '' When the guests arrived, and after she opened her gifts, etc., it was time to sing XXXX XXXX and have cake and ice cream. When the cake was sliced, it was NOT white, It was YELLOW batter. Then when we tasted it, it was DRY and WAS NOT HOMEMADE as advertised. I reached out to the owner, XXXX XXXX. NO RESPONSE. I reached out to her several times. I then advised XXXX XXXX, due to her not responding to my emails, and phone calls, I would contact my bank and look into filing a dispute. She then responded ( how ironic ). Chase errored in that it only disputed for {$77.00}. I wanted a full refund of {$170.00}. In the end Chase sided with XXXX XXXX. I believe this is unlawful, and XXXX XXXX was deceptive and dishonest. My cake was ordered person, with a photograph. The cake was not hard to make. I could have baked it myself, and in the future will do so. This is a " professional '' bakery, and I am at a loss as to why this cake was not done properly. The money I paid for this cake was more than my monthly utilities. XXXX XXXX has no regard for her customers and has other restaurants and bakeries she owns. This money is nothing to her, and she could have refunded me, but chose not to do so, out of spite for the fact that I filed a dispute. Chase has become apathetic towards its customers ; due to a downfall it has suffered. That is not ethical to take out its financial woes on its customers. More Corporate greed. That will be the downfall of the XXXX XXXX. I will see to it that these two aforementioned Companies will repay me with the monies owed, along with punitive damages.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act, XXXX and XXXX have violated my rights by the way of reporting fraudulent accounts. The list of accounts below are reported by TransUnion and XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. which protects my right to privacy. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are the accounts reported by the above mentioned credit reporting agencies.. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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. 

As a result of TransUnion and XXXX violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts be removed from my credit file immediately.
Consumer complaint received 2023-09-24
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. (SC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-04-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2016-02-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (FL)

NATIONSTAR AND FREEDOM MORTGAGE ARE GUILTY OF FRAUD ~ The HUD/Truth in Lending Statement and the Escrow Disclosure statement on the loan origination had intentional fraud and items were left off to make the loan payment appear lower. This caused major escrow errors later and a near loss of the home from the fraud. On two separate occasions, the payment almost doubled, from {$800.00} to {$1400.00}. 

Nationstar made us aware of this loan origination fraud in XXXX 2015 but later, in an attempt to collect payments, repeatedly denied it. They even lied to government investigators to cover it up. 

Specifically, Nationstar was dishonest on the phone and in an official government CFPB filing when it denied having access to any paperwork from the prior servicer. 

We have repeatedly requested that they follow the law and rescind the loan due to intentional fraud. They have repeatedly lied and denied our request. ***Attached is a letter from XXXX confirming the loan fraud and also confirming our request to execute our right to rescind the loan due to intentional fraud***
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (AL)

XX/XX/XXXX - Email sent to Aidvantage asking why my student loan payment amount on the SAVE plan was XXXX XXXX  higher than the estimate range that the federal student aid website simulator calculated, because the i formation I submitted through Aidvantage on my application was the same information I used on the simulator. This email still has gone XXXX responded to. 

XX/XX/XXXX - Tried calling Aidvantage without success. On hold for XXXX minutes. 

XXXX Opened a complaint case with the XXXX XXXX XXXX Department of Education . No response as of yet. 

XX/XX/XXXX - Tried calling Aidvantage without success. I was on hold for XXXX minutes, only to be hung up on. 

XX/XX/XXXX - Sent a certified letter to Aidvantage asking them to : - Provide me a record of my submitted SAVE application with the date I submitted to Aidvantage, and the date it was then submitted to the Department of Education on my behalf. 

- A full breakdown of how my payments were calculated using the information I gave in my application referenced above. 

- An explanation as to why my payments are XXXX XXXX - XXXX XXXX higher than the payment estimate bands given to me on the federal student loan payment simulator. 

- A request to place my account in an administrative forbearance until all of these items can be received and this is resolved, due to the fact that I've attempted to contact them multiple times about this issue without success. 

XX/XX/XXXX - Certified letter arrived to Aidvantage via mail tracking. 

No one has responded or reached back out to any of my attempts to contact
Consumer complaint received 2023-11-15
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks
Consumer complaint received 2020-07-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Our loan was paid off in XX/XX/XXXX. On XX/XX/XXXX, our regular monthly payment was debited from our bank account by Rushmore Loan Servicing in error. We called on XXXX to get a refund and was told that it would be sent out ASAP. That was a lie. We never received anything and I called again on XX/XX/XXXX. I was told they needed proof of funds from our bank statements. While that doesn't make any sense, I did it anyway in an effort to expedite the process. The gentleman I spoke with said it was approved, checks are cut on Fridays and mailed out, so I would be receiving the check the week of XX/XX/XXXX. We never received anything. I called again today, and after being transferred to about 5 different reps, I was told that the first check needed to be voided, which takes 5-7 business days, and then a new check would be sent out. This means after being paid in full for a loan, Rushmore has stolen {$2500.00} from my family for over 4 weeks with no end in sight. I have no confidence that this money will ever be seen again.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX I had filed initial complaints with : Consumer FInancial Protection Bureau ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX ID XXXX XXXX Credit Cards XXXX and XXXX I am REFILING BOTH COMPLAINTS as Barclays is comporting itself with continued reckless negligence engaging in continued harassment by unjustified BLOCKING and DISABLING of access to and use of said accounts failing to make good on contractually agreed upon benefits when I opened the accounts. They blocked the accounts AGAIN. They were unblocked for about XXXX weeks ONLY in which time I had made $ XXXX in purchases on both accounts ( $ XXXX total ) AND I IMMEDIATELY PAID ALL OFF ALL $ XXXX debt 100 % and BANK RECEIVED PAYMENT. Then I made a purchase for a measly {$18.00} to buy a by a bus ticket while traveling AND THEY BLOCKED THE ACCOUNTS AGAIN causing me to be stranded with a small nephew at airport in XXXX. I called CUSTOMER SECURITY and they can ONLY UNBLOCK the account ( suspicious as a result of {$18.00} charge! ) ONLY when I can be reached at the HOME phone that I left at home in California. This is ABUSE BEYOND IMAGINABLE of a SOLID TRUSTWORTY AND HIGH CREDIT WORTH CUSTOMER with XXXX BALANCE. Them having set a password on my account does not help at all. INSANE ABUSIVE/INCOMPETENT CUSTOMER SECURITY. MY accounts are BLOCKED yet They had charged me {$75.00} fees and I am unable to use the account 99 % of time since account opening! The bank itself is ONE BIG FRAUD and ABUSE. Customer Security at this bank is one UNIMAGINABLE ABUSIVE FRAUD towards reliable high credit worth customers. NEVER EVER RELY ON THIS BANK OR THEIR CARDS WHEN TRAVELLING. They left me stranded with nephews at airport again. HORRIBLE ABUSIVE BANK. They see I had made purchases for $ XXXX XXXX each card and I PAID ALL OFF immediately last week yet they BLOCKed my accounts over subsequent charge of {$18.00}!! AND ONLY WAY TO UNLOCK IS THEY DEMAND I PICK UP MY LAND LINE PHONE AT HOME that I have no access to while TRAVELLING.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC (TX)

BMG MONEY IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT XXXX SHOWS 5 LATE PAYMENT AND XXXX IS SHOWING 4, DUE TO THE FAIR CREDIT REPORTING AGENCY IT IS IMPORTANT TO REPORT ACCURATE INFORMATION, HOWEVER XXXX IS NOT REPORTING ANY PAYMENTS THAT I MADE IN 2023 PLEASE UPDATE THIS INFORMATION AS TO IT BEING CORRECT AND NOT BEING FALSE
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I made a deposit for a {$15000.00} check from XXXX XXXX XXXX on XX/XX/XXXX. Chase bank tried calling XXXX XXXX to try and release the funds sooner but XXXX XXXX would not give them information to release it. I can not understand why it takes XXXX  DAYS to release a check? My money is floating and not getting paid interest and it feels wrong. XXXX a bank make AT LEAST the first {$220.00} from the deposit availablefor either cash withdrawal or check writing purposesat the start of the next business day after the banking day that the deposit is made. And shouldnt the rest of the deposit be available on the second business day? XXXX  days is outrageous with the technology that we have in todays world. This feels very shady and very illegal.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$21.00}, XXXX XXXX XXXX XXXX Balance : {$12.00}, XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}, XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : -
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (WA)

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Also under USC 15 section 1666B states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-02-27
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (TX)

There were several fraudulent accounts opened under my name. The criminals used the accounts and destroyed my credit. This is completely absurd that the credit reporting agencies are still reporting fraudulent activity on my credit file. I am going to sue them for this but first decided to reach out to you to see if you can make them do their job. Thanks.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

Re Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX After opening this account -- last spring -- to buy clothing for my XXXX, Texas-based granddaughter, I only received my first bill in late XX/XX/2018. This, the first bill, included a late and an interest charge. 
I have paid the original amount, but not the other charges, which I am disputing with XXXX XXXX, of XXXX, OH. 
I suspect this may not be a solitary occurrence, but, perhaps, an example of a systemic fraudulent practice. Please investigate.