davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (CA)

I had a HELOC with Bank of the West on my primary residence at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This house was sold in XX/XX/XXXX and the HELOC was closed around the same time. BMO took over Bank of the West. I called BMO several times to request for the total mortgage interest paid on this HELOC for the year XXXX so that I can file my taxes early. BMO can not find information on this HELOC. I believe BMO erased all data on all closed accounts without consideration for documents and information needed for tax purposes. 

I went to the BMO branch in XXXX on or about XX/XX/XXXXXXXX Staff at the bank called the mortgage office. It appears nobody can find the HELOC data/information. A supervisor promised to work on the problem, get a copy of my 1098 and call or email within 2 days. I did not receive a call or email. 

I, again, went to the BMO bank in XXXX today ( XX/XX/XXXX ) to follow up on my request and spoke to the manager ( XXXX XXXX ). I, again received another promise that I will be furnished a 1098. 

To my knowledge, BMO is a XXXX company that took over Bank of the West. It appears, BMO is not cognizant of US tax practices and negligently deleted vital information needed for tax purposes.
Consumer complaint received 2024-04-23
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 recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must DELETE the following ITEMS from my file. 
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 2023-08-08
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2700.00}.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

We were charged fees for not maintaining a " daily minimum '' balance which never was part of our original agreement, they informed us that they no longer are supporting the type of account we were under and switched us over to another type of account of their choice without our permission and started charging us {$15.00} a month if at any time during the month the balance fell below a certain amount. Originally we never agreed to any such thing. We went in person to ask about it and the banker claims he switched our account over to another type of account that would lower the minimum balance to a reasonable amount but would not return any fees already accounted for. we agreed to the new account, yet the fees are still being charged on our accounts every month even though we are well above the minimum balance!
Consumer complaint received 2023-09-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MN)

In XXXX of XXXX I began receiving phone calls from a debt collection agency regarding a debt that they claim I owe. I explained to this company I have no idea of what they were talking about and I ended the call. They called 4 more times that day. That last call I was told by XXXX XXXX that they will make my life miserable by sending it to the credit bureaus and that it will be a negative mark on my report. They continued to call several days after that, I did not answer. I then began receiving letters in the mail regarding this debt for XXXX. On XX/XX/XXXX I sent them a letter requesting a validation letter.They then respond with the same exact letter with no changes nd again not a validation letter. XX/XX/XXXX I again send the collection agency a letter still asking for validation of this debt. Unfortunately the company sends me a letter wanting to settle the debt for half of the amount and still no validation letter. I send 3 more letters after that and and nothing. The last letter I send I then let them know that I am quite aware that if they do not respond with the validation letter they would need to take it down. Again another letter now telling me they will hold off until I receive my taxes. In between the times I am disputing this with XXXX who keeps telling me its a valid debt but we cant tell me how they verified it to know that its a valid debt. I have now disputed it with them 4x. This is a copy of the letter I've sent this company. 

National Credit System , Inc CrediXXXX file XX/XX/XXXX To XXXX XXXX XXXX. I am XXXX XXXX and I am writing this letter to request more information regarding this debt. 

( 1 ) I need a copy of the original contract with my signature for the debt. 

( 2 ) I need a full payment history from the original creditor as well as the name and address from the original creditor. 

( 3 ) I need proof that you now own or have been assigned the debt to collect from the creditor. 

( 4 ) I need a copy of the original debt meaning the amount when you purchased the debt. 

Sincerely
Consumer complaint received 2024-04-23
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. (MA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : COLLECTION ) # XXXXXXXX XXXX XXXX  : TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-08
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. (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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WESTERN ALLIANCE BANCORPORATION (HI)

Property is located in XXXX, XXXX which is a Federal Natural Disaster Zone and per order of FEMA the loan has been placed on credit suppression for 90 days. 

I have contacted Western Alliance Bank on XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX to request documentation to support the fact I am on credit suppression. Each request, I have been told they can not provide such documentation. On the XX/XX/XXXX call, I was advised I can request this documentation in writing with no guarantee it will be provided. On XX/XX/XXXX, I receive a letter from WAB stating my account was delinquent and will be reported negatively to the credit bureaus. 

On the XX/XX/XXXX call, I was advised my loan was assigned to the loss mitigation department as of XX/XX/XXXX.
Consumer complaint received 2024-04-23
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. (NC)

Upon examining my credit report, I found inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. It is impermissible for them to classify this reporting account as unverified without furnishing evidence within the legally stipulated timeframe. The following accounts require investigation and correction due to erroneous reporting on my credit file, as listed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-03
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: Experian Information Solutions Inc. (TX)

Unauthorized inquiries : XXXX XXXX ( Bank ) XX/XX/2021 XXXX ( Retailer ) XX/XX/2021 XXXX XXXX ( Bank ) XX/XX/2021 XXXX  XXXX ( Bank ) XX/XX/2021 2021
Consumer complaint received 2023-04-25
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the CAPITAL ONE BANK USA but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
CAPITAL ONE BANK USA XXXX Open Date XX/XX/2016 Balance : {$8500.00}
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-04-23
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. (NC)

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Unauthorized inquiries : XXXX XXXX ( Bank ) XX/XX/2021 XXXX ( Retailer ) XX/XX/2021 XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX ( Bank ) XX/XX/2021 2021
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I submitted an application for a credit card with my bank user on XX/XX/2023 and was denied. I called into the bank to ask why I was denied because of lack of income, which goes against the equal credit opportunity act. I also left a phone message about the denial and violation, and was met with a reply that enforces there are no errors in their decision.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (AL)

Balance transfer XXXX to american express for {$5000.00} XXXX says they sent payment and american express says they never received it. 
XXXX says they did and sent a copy of the check. American express says they never got it or cashed it. This has been going on for 10 months now. Instead of owning one company {$5000.00} they both say I owe {$5000.00} which would equal {$10000.00} if they can't figure out what happened. How is this possible? Both companies do the same thing when I call with the same results. Both say its on the other to figure out.
Consumer complaint received 2024-01-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (IL)

In 2019 I bought a car from Santander Consumer USA. After one year paying my fees I missed XXXX payments and my car was towed without any prior notice. I was away for almost 3 weeks due to my job and on arrival I got to know my car was sold. The manager informed me that the amount they sold my car covered towing expenses and we are all set. Taking into consideration the the total sale price XXXX XXXX with XXXX XXXX  base price and my APR 25.65 and all the repairs Ive already done to car I was sure they just took advantage of me. But decided not to take any actions at that time as Ive just lost my job due to the pandemic. What a surprise I got when after almost 4 years I have received a notice from a collection. Therefore now I want to verify my debt and ask the collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (AL)

I deposited a check which went through just fine. I tried to transfer the funds and they put a reversal on the transfer and wont let me withdraw any money from my account. I went through the entire identification process and verified my identity and still cant withdraw funds. They said because the check wasnt made out to me. But they deposited and let me withdraw funds from the exact same kind of check just a week prior to this one and the person that the check is made out to signed the check with me! They have been holding my funds for almost two months!
Consumer complaint received 2024-04-23
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. 
XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$93.00} XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Balance Owed : {$50.00} XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I not liable and should not be held liable in any form for this debt with I do not have a contract with They did not provide original contract as I have requested from them. 



Immediately correction ti my credit report. I personally DEMAND IT TO BE REMOVED