davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer.XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : -.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX I made my normal payment of {$1000.00}. My mortgage payment had increased to {$1100.00}. I had no previous knowledge of the increase either electronically nor through regular mail service. The normal payment was received on XX/XX/XXXX but was not applied to my mortgage payment due to the {$100.00} that was short. I received a letter dtdXX/XX/XXXX stating my mortgage was in in default. They held my payment for the entire month of XX/XX/XXXX and would not post it until they received the full balance ( of which I was unaware until the letter ). I quickly made the payment and adjusted my monthly payments. On XX/XX/XXXX I received a email from XXXX stating my credit score had dropped. I went to the website and found out the mortgage company had reported a missed mortgage payment which in turn dropped my score 90 points. Point one : I never missed a payment, they had it all along. Point two : if my score had not been excellent, this would have dropped me into the fair to poor credit range. Point three : if I had needed to purchase something on credit I would have been forced into a higher interest rate due to XXXX XXXX 's misleading information. If they did this to me what are they doing to others with less credit scores. This provides markets to capitalize with higher interest rates forced onto consumers. From the time I purchased this house I have never been late nor missed a payment. This was an error on their part and I refuse to stand by and be manipulated and I do not want to see this happen to hundreds or thousands of other consumers.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (MN)

On XXXX at about XXXX XXXX Central time, I went online to open a BMO Alto online high yield savings account at https : //alto.bmo.com/ I entered all of the requested application information carefully and accurately, triple-checking the accuracy of each piece of information that I entered. 

I submitted the online application and was immediately informed onscreen, " Sorry! 
We're unable to approve your application today. We'll send you an email with more information. '' An email followed shortly afterward which stated, " Thank you for your interest in BMO Alto. Unfortunately, your account application has been declined. '' It did not provide any specific reason for my application being declined. 

I then called the customer service number provided on their website ( XXXX XXXX ) and spoke to a customer service representative. I provided her with my application information, and she reviewed my application, telling me that I was declined because they could not verify my identity. She said this could have been caused by me not entering my information correctly on the application. There is NO WAY that I did not enter my information correctly, as it was basic personal information that I provide frequently, and I was very careful as stated above. My credit is stellar ( exceptional rating ), and I do not have one single blemish on my credit report. I have never been declined on any application that I have submitted previously. I have opened several other online high yield savings accounts in the past few years with no issues whatsoever. 

This declination is very unusual and suspicious and in doing some online research, I have seen many other comments and testimonials by other BMO Alto applicants who said there were also declined for no good reason. I believe there are problems with their systems or procedures which are causing applicants to be falsely declined. Not only does this prevent me from opening an account that should be available to me, but my credit report and rating are also being adversely affected by this wrong, incorrect declination of my application. 

I request that I be allowed to open this BMO Alto high yield savings account and any other deposit accounts being offered. I also request that any adverse reporting from BMO Alto to any credit agency as a result of this application declination be removed from my credit report and rating. 

For your reference, my Application ID is as follows : XXXX
Consumer complaint received 2023-11-03
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. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-12
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-12
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. (MD)

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 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 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (DC)

I filed an return protection claim for an external computer trackpad after the merchant refused to take it back because I was past the 30 day return period. I mailed it to Citi Card Benefits Administration/ XXXX   XXXX XXXX using the prepaid label that they gave to me. According to the company, it arrived cracked, therefore it was damaged in transit ( I mailed it in new condition ). I asked the company to either make and exception for the damage in transit or to send it back to me. The company said it would send it back to me via XXXX ( tracking number XXXX ). However, the package has not shipped in over two months and after I have called the company multiple times no one can seem to tell me whats going on and the supervisor refuses to return my calls. 
Claim : XXXX
Consumer complaint received 2023-09-27
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)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4800.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP (OR)

- XX/XX/XXXX : an unauthorized transaction of {$520.00} was sent from my XXXX account. 
- XX/XX/XXXX : an unauthorized transaction of {$1200.00} was sent from my XXXX account. 
- XX/XX/XXXX : I saw those unauthorized transactions when I checked my bank balance. I contacted U.S Bank immediately to stop that transactions. They said I will get the refund within 7-10 business days. XXXX : I contacted U.S Bank again , they said I should call back if I still haven't received the refund by Monday. 
- XX/XX/XXXX : I called again and they said my refund was denied.
Consumer complaint received 2023-10-12
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. (IL)

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that the bankruptcy was considered accurate. I then contacted the XXXX bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is TBE case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. I investigated the issue further and found that TransUnion receives their bankruptcy information from a third party company called XXXX XXXX. Ive contacted this company and was told all false reporting of this bankruptcy has been removed from my file. However, TransUnion refuse to update my record. Instead, I was told that they can not verify my identity. I believe this to be an attempt to prolong inaccurate and damaging false reporting. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX my pc received a virus that caused me to take it to get repaired over a period of 6 days. During that period i was receiving numerous of fraud charges on all of credit cards that were saved on my computer. The banks that were affected were XXXX, XXXX XXXXXXXX XXXX XXXX and American Express. Every bank has resolved and refunded this incident except American Express, and there were 2 cards that had fraud charges ( delta platinum & delta gold ), a total amount of XXXX was charged on my platinum card and XXXX on my gold card all from the same merchant. American Express credited and refunded the XXXX on my delta platinum but did not credit the charges on the delta gold. All these charges took place back at the end of XX/XX/XXXX and it is now about to be XX/XX/XXXX. Every week they tell me they are still investigating the case and it seems they let these fraud charges post to my credit report affecting it very negatively. They never seem to provide me any information on the case and i need help!
Consumer complaint received 2023-06-05
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. (IL)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2023-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CA)

Mrcooper won't give me the forbearance on my account XXXX I asked them for 6 months since I got XXXX and got sick. they won't give me the 6 months. I need help
Consumer complaint received 2023-10-12
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: ALLY FINANCIAL INC. (MD)

This company NUVELL CREDIT CO still wants to show up on my credit report for account opened in XXXX & should not be reporting anymore after receiving all payment in full of {$41000.00} original amount owed in XXXX they are claiming some {$100.00} fee I owed since XXXX & claims I settled XXXX but never settled anything, company took upon there self to settle outside my knowledge & personally using this against my credit report to destroy my credibility ask that this company be investigated with how they can take action with no acknowledgement from other party which in turn has my credibility paying the price, this is an illegal act that should not go on. This account should be removed immediately from my credit report without any delay.
Consumer complaint received 2023-04-19
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX 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 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 2023-10-12
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-10-12
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. (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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

COPYRIGHT AND TRADEMARK NOTICE Copyright XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is formal legal/lawful notice of recission, and that you are in breach of Copyright & Trademark. This information is pertinent so please read it carefully and/or have your legal team review it as failure to understand or act is not a remedy or defense. - I have sent Equifax numerous requests to have them VALIDATE the Bankruptcy that is being reported on my consumer credit profile. They come back the same day, almost immediately stating that it has been validated/verified. I have been asking them to VALIDATE who they spoke with and how the account was validated to prove that it belongs to myself. Not only is my consumer profile not reporting correct and accurate information it's in violation of 15 USC 1681c, 15 USC 1681d, 15 USC 1681 e, 15 us code 1681i - The accuracy of my credit profile is the upmost important to myself, and Equifax is refusing to update the information, or provide validation to me in which they feel backs up their complaint that this is accurate reporting. I also have the Trademark and Copyright of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX continued violation in providing inaccurate information associated to my intellectual property and I order you to cease immediately, and update my consumer credit profile accordinly. If you can not provide who you spoke with and the method in which you used to validate this information you must delete it from my consumer credit profile.
Consumer complaint received 2023-04-06
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. (NC)

Please remove all fraudulent inquires as I have no knowledge of any of these inquires due to the breach Identity theft. My information was also impacted by the data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-11-03
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. (CA)

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 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on