davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
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)

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and Transunion. It has been about few months now, but I see no changes in my credit report. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA allowed fraudulent activity on my account. Someone, unknown to me by the name of XXXX XXXX was able to gain online access to my accounts and attach their account to mine. Thereafter, withdrawing {$35000.00} from my accounts in {$5000.00} increments. USAA did not stop this person from doing so, even after I reported the transactions as fraudulent. I tried putting claims through the fraud department twice to get resolution with USAA, both times I was denied. I am XXXX military in the XXXX XXXX and I have detailed notes on each phone call, email, bank transaction etc. USAA should not be able to get away with this. I have filed a police report, and complaints with the Attorney General, and the Federal Trade Commission. I will be filing with the FBI next as well as reviews on every platform I can access. The world should know that their money is not safe with USAA and USAA does not take care of its members.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

Westlake - Wilshire has my account showing closed by grantor and paid charge off. This is untrue! I paid it in full through a refinance of my home back on  XXXX - XXXX -14. I even have a letter from them showing this, yet Wilshire-Westlake reports differently. I 've tried to resolve this many times with them, but they do NOT correct the credit bureaus. please help me to have this corrected. it is lowering my credit score, as well as I keep having a hard time getting credit and refinancing my home.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

I received a prepaid gift card from a family member as a gift on XX/XX/2023. It was purchased in XXXX XXXX  I believe on that day. 
After about a week I attempted to use the card and it was declined. I found after checking the balance that all the funds ( {$200.00} ) were fraudulently spent on the card before I even removed it from the packaging. There were two transactions on the card draining all {$200.00} before I even tried to use it the first time. 
I read the terms and conditions with the card and followed their instructions to report the fraud and file a claim to recover the funds. 
After receiving a case number from the representative, I sent the case number and details to the email they instructed. 
I was told I would receive an update in 7-10 days on XX/XX/2023. 
I followed up two more times and have not received any response at all. It has been nearly three months and I have not been contacted at all.

The card company will not respond to me and I have no status. It seems they are ignoring me on purpose.
Consumer complaint received 2017-03-30
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (NJ)

I received the attached letter, acknowledging it would be the last contact I will be receiving. However, they are still calling me at least once sometimes twice per day on both my mobile and my home phone as recently as today XX/XX/2017.The letter attached specifically states " you will no longer be contacted regarding this debt, as such, this will be the last communication you receive from this office ''
Consumer complaint received 2023-08-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (SC)

My mortgage loan was either bought or sold to BSI Financial Services from XXXX XXXX. 
From the time BSI obtained my mortgage it was just one nightmare after another, BSI is the worst company I have ever dealt with. I have called and complained about the inconsistency I am getting about my accurate monthly mortgage payment. I contacted BSI on XXXX XXXX and XXXX and each time I called I was given a different mortgage payment amount for XXXX BSI is now stating that I owe {$320.00} in late fees from XXXX XXXXXXXX which does not make any sense to me. My mortgage is current and up to date. This company absolutely does not care about its customers. An investigation into this company 's financial practices is definitely warranted. 

Thanks for your assistance in this matter.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate. 

The credit bureaus stated my account for XXXX XXXX was properly investigated but that is impossible if the balance is inaccurate, the date last verified is inaccurate, date of last activity is inaccurate, date reported is inaccurate, date opened is inaccurate, closed date is inaccurate, creditor type is inaccurate, credit remarks are inaccurate, last payment is inaccurate, and payment frequency is inaccurate, along with tow year of payment history is inaccurate. This is grounds for removal. 

My rights under the FCRA are also being violated such as : 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 an account without my written instructions.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Going for a mortgage to purchase a home for my 3 children, the mortgage company pulls from all 3 reporting agencies, and this information in each credit bureau is being reported inaccurately and inconsistent. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and have failed to do so. Please DELETE this erroneous item immediately.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

This is the several time I've complained about the items needing to be removed from my credit report, and yet no changes were made, and it keeps appearing in my credit report despite being fraudulent. 

I want the following items removed from my file immediately : 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
Consumer complaint received 2023-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CARD Corporation (CA)

Account was frozen due to complaint about funds being held, I was told to send them a copy of my social security card, my driver 's license and a copy over a fax line, I explained that this made me uncomfortable and it was not secure, I told them I could verify through XXXX. or another secure means, this company has held my money over a year, with no resolution after several attempts, the company has processed me through the XXXX and no communication available is the United states, the personal have been rediculaess to communicate with, as they laughed about holding funds
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against Experian, a credit bureau, for its failure to respond within the legally mandated 30-day timeframe and for inaccurately reporting my personal information on my credit report. I believe that these actions by Experian have infringed upon my rights as a consumer, and I kindly request your assistance in addressing this matter. 

On [ XX/XX/2023 ], I submitted a dispute letter Certified Mail with Return Receipt to Experian XXXX and XXXX concerning incorrect personal information. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and respond to disputes within 30 days. However, despite the statutory time limit, Experian failed to provide a timely response, causing unnecessary stress and potential harm to my financial well-being. 
This inaccurate reporting has the potential to negatively impact my creditworthiness and may lead to unwarranted denials for credit and other financial opportunities. 

Experian did not respond at all within the amount of time according to law nor did they send back the Return receipt. 
XXXX has incorrect Addresses & Phone Numbers Inaccurate. 
XXXX Phone Number Inaccurate. 

XXXX and XXXX did respond in timely manor and sent back Return Receipts and also sent back requested information after the diligence of their investigation Along with the dispute letter I sent, was attached a photo copy of driver 's license, and a bank billing statement to show proof. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost attention and diligence. Your intervention is essential in holding Experian accountable for their actions and safeguarding consumers ' rights. 

Please find attached copies of relevant documents supporting my claim, including proof of my dispute submission to Experian. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Thank you for your attention to this matter, and I look forward to your prompt response. Please feel free to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-01
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: MONEY SOURCE, INC., THE (NJ)

The Money Source reported my XX/XX/2023 mortgage payment as late to XXXX. My XXXX payment was made on time ( XX/XX/XXXX ) and in full ( {$1900.00} ) as reflected on The Money Source 's own ledger ( attached ) and my bank statements ( attached ). I reached out to the Money Source on multiple occasions ( by phone and in writing ) to ask for a correction but they refused. I disputed the late payment with XXXX and received notification that The Money Source had verified the information as being reported correctly. The late payment is still reflected on XXXX report and both XXXX and The Money Source refuse to make this right. This is ruining my credit and preventing me from obtaining the credit I need to provide for my family.
Consumer complaint received 2024-03-29
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 am writing to express my profound dissatisfacation with the continued inaccurate reporting by XXXX XXXX Account Number : XXXX on my credit report. Despite filing a detailed complaint regarding a inaccurate and inconsistencies, it persists in reflecting on my credit profile. This marks my third dispute concerning this matter, and I am deeply troubled by the lack of resolution. 

It is imperative to note that the inclusion of this account on my credit report is both misleading and detrimental to my financial standing. As such, I am formally requesting the escalation of this issue for thorough investigation and prompt resolution. Additionally I Insist on receiving verifiable documentation to substantiate any reported late payments associated with this account. 

I implore you to take immediate action to rectify this situation by either providing irrefutable evidence or expeditiously removing the inaccurate information from my report or removing the account as a whole from my credit report. I trust that you will uphold your duty to ensure the accuracy and integrity of consumer credit reports. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this ongoing issue. 

Attached is my identification and a sworn affidavit to ensure my identity.
Consumer complaint received 2024-03-29
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)

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and Transunion. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Exeter Finance, LLC. (CA)

Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission.

I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application.

My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT.

ATTACHED YOU FIND A COPY OF MY STATEMENT.
Consumer complaint received 2022-11-29
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name # XXXX XXXX XXXX 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 15 USC 1681 states I have the rights to privacy. 
15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC. 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 incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report.