davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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  ALSO THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX All Banks XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BMO Bank, N.A. (WI)

Worst loan experience EVER!! At the end of XXXX I purchased a XXXX. On my paperwork from XXXX all it said was that my XXXX  payment would be due XX/XX/XXXX, and the terms of the loan - no information on who held the loan. I am in the XXXX Club so when XX/XX/XXXX approached and I had no welcome letter, no loan information, no payment book - ABSOLUTELY NO communication at all- I went into my credit report to see who held the loan. BMO. On XX/XX/XXXX- with still NO communication from BMO- I called THEM. I had the BMO agent help me set up an account, and set up double payments ( loan is for $ XXXX and I set it up for {$200.00} every XXXX weeks ). On XX/XX/XXXX I received the payment books in the mail, and my electronic payment went through my bank. Later that night, I received an e-mail from BMO, and today ( XX/XX/XXXX ) I received a call to my personal phone AND MY BUSINESS PHONE that they were not even supposed to have muchless call. I called BMO not once but twice today, the first time at XXXX being told everything was ok and the second time at XXXX with the BMO agent telling me my payment was over XXXX  days overdue. Once I verified that my bank showed the payment was made yesterday and how I called them to set up the payments without ANY information from them, I asked for a supervisor. Of course, no one is available and I am to wait for a return call. WOW! I will tell you that I am going to pay off this loan as fast as possible and NEVER do business with them. 
I am waiting for : XXXX ) my boss called me but I was judging middle and high school students ' speeches all day. Her call followed one I see to my WORK number. XXXX ) the promised call from the BMO supervisor XXXX ) this better NOT go against my credit and XXXX ) I STILL DON'T HAVE LOAN INFORMATION FROM THEM! Worst bank EVER!
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

Ive been trying to get that is deposited into my husbands business account, I presented a power of attorney favoring me as his wife and care taker ( my husband XXXX XXXX has been diagnosed with XXXX ), and is been a month, and I cant have a new card to process all our payments and buying his essential foods, or even pay his insurance, nothing is getting done, because TD bank holding the XXXX.
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out 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 2023-03-02
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. 

XXXX XXXX XXXXXXXXDEPT OF ED # XXXX, XXXX XXXX XXXXXXXXDEPT OF ED # XXXX, XXXX XXXX XXXXXXXXDEPT OF ED # XXXX, XXXX XXXX, # XXXX, XXXXDEPT OF ED # XXXX, XXXXDEPT OF ED # XXXX, XXXXDEPT OF ED # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXK # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, have violated my rights. 

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 2024-04-06
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: JPMORGAN CHASE & CO. (LA)

I received a email about an application that was applied for without my consent. I contacted chase regarding this matter but they are saying that they do not see any applications or accounts under my name. they are telling me to contact the XXXX but XXXX is not the company that is pulling the application.
Consumer complaint received 2023-03-02
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. (TX)

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 XXXX XXXX XXXX. 

Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX  # XXXX, XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 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 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I have issues anytime Im about to be charged or have a deposit. I received a payment for child support on XX/XX/2022 and its not in my account. This seems to be happening more, I was double charged by XXXX and given a temporary credit, I called immediately when I received a reversal and asked to remove the provisional credit, it wasnt removed and charged back to me. It is tbe XXXX and I have not received my {$200.00} deposit that was wired on XX/XX/2022. I dont want to incurred any fees because theyre holding my deposit.
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

In XXXX and XXXX of XXXX, I have had over {$1000.00} leeched from my account. Each one of the funds had been a deposit made by my grandmother who was unaware that my account was inactive at the time, but had been used maliciously by an unauthorized user. I'm learning of this information, I logged in to find out that every single deposit was promptly siphoned out of the account, changing my email and password immediately. I opened up a claim with PayPal the day after, which they had denied every single one of my claims for every transaction that was actually unauthorized. I spoke with representative several times on the phone, which had told me of an unauthorized login and a different device that was used during these transactions. PayPal has failed to provide proof of their investigation, and they're only claim is that it is consistent with my history which there is none. I can choose to not use my PayPal account at any time, as I have done before in the past. Every single time, I have dissatisfaction with PayPal as they do not have any kind of customer reimbursement, a timely process for their claims, only to be denied with no evidence or real reason why other than what PayPal claims. They have even said to disregard what any representative has told me, in favor of them not reimbursing me. This entire year of XXXX has been a back and forth with paypal, with them giving me a canned response of it somehow being congruent with my history. The card that was attached to my account was never used previously before the unauthorized logins, nor was it added before these unauthorized logins. They have failed to be responsible for any real investigation other than to deny me of money that was wrongfully stolen from me.
Consumer complaint received 2023-03-02
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. (OH)

I recently went to apply for a mortgage and I noticed some inaccurate items on my credit reports. Not only were they inaccurate but they were also unauthorized. My data has been involved in various data breaches, XXXX to name one, and someone was successful at opening up accounts in my name but were unauthorized. I also tried settling this with the credit bureaus 30 days ago and I haven't heard anything back from them yet and I know they have to respond in 30 days. my reputation with the banking system because of the inaccurate items being furnished on my reports. I need this fixed immediately
Consumer complaint received 2022-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion XXXX XXXX please take notice to statement that Pra validated an alleged debt and that you are in violation of the FCRA, FDCPA. PRA has not validated anything and making statements to your selfs puts you at risk of a law suit. PRA 'S failure to produce evidence 3 times to the CFPB telle 's they refuse to accommodate any evidence. enclosed in this dispute are 10 factual questions they have refused to answer making anything they claim to you hearsay, non factual, this will use in the future where it may become necessary you are now requested to remove this account and by releasing any information that claim that is permissible is false and fraud with out the proper documente 's that they refuse to provide this is stated so the CFPB is witnessed to the facts and that you are involved in this by reporting
Consumer complaint received 2022-12-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

My official complaint is against Wells Fargo Home Mortgage. They never gave full DISCLOSURE at the signing On XX/XX/XXXX. They, instead, placed me in dishonor with their ambiguous deed of trust. They instructed me not to date my instrument which places me in a position to acquiesce. My home/ domicile became a Residence/business for Wells Fargo Home Mortgage XXXX The Truth in Lender was colorized. XXXX XXXX XXXX became the Trustee and XXXX XXXX XXXX the Beneficiary. My home went into foreclosure in XXXX and Wells Fargo used my signature once again to refinance and make more money off my XXXX XXXX XXXX. They then sold my lifetime promissory note to my domicile to XXXX XXXX XXXX XXXX, another entity that continued with the fraud. COVID-19 hit and I was without a Job. XXXX XXXX XXXX sold my promissory note and AUCTIONED MY DOMICILE  OFF because once again without full disclosure. Wells Fargo continued their fraud scheme and made me homeless in the process. They made me the debtor to the antecedent debt. They transferred positions at the closing Proceedings and they knew that the instrument would transfer my interest to them because the check needed to be dated on XX/XX/XXXX. Not only did they have me acquiesce, but They also separated or bifurcated the security instrument from the promissory note. I had my Deed corrected and filed in land records, but XXXX XXXX  XXXX along with Wells Fargo continued mixing commercial with a consumer loan. I am the Originator as well as the Benefactor of the loan and these persons/businesses ( Wells Fargo XXXX XXXX XXXX, XXXX XXXX XXXX have turned my home for house hold personal use into a business/Residence ( only to make money and to foreclose ) I have no other recourse but to expose the fraud. I have documentation between me, the bank, and the courts that I can provide. If there is any information needed from me please do hesitate to contact me.
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (VA)

I have transferred money using Western Union on XX/XX/XXXX and its been 7 days. The receiver had not yet received the money and when called to the customer service they are rude in responding by saying that they don't know when the money will be transferred. Is this the answer that the customet expects to have? 

The customer agent 's name is XXXX XXXX.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened Bank of America Premium Rewards credit card in XXXX, which include annually {$100.00} Airline Incidental Statement credit qualifying such as baggage fees. 
I made a baggage payment of {$30.00} on XXXX with XXXX XXXX XXXX however, never receive the Statement credit. ( I still have {$30.00} credit allowance in 2019 on my account ) Called BOA customer service and they told me {$30.00} credit will applied on my account after current statement closed. 
Today is XXXX, which my last statement was closed over 7 days, I still do not see the reverse credit applied.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-12-17
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WA)

The company is XXXX XXXX XXXX XXXX in XXXX, DE XXXX. They sent me an invoice for {$110.00} from a creditor : PayPal , Inc . They claimed the account opened on XX/XX/2012. They gave a bogus account number also. I have never dealt with XXXX, XXXX privately or professionally in my business career. I have never heard of this company as well. In looking on XXXX, this company has several complaints like the one above trying to get money from decent consumers. I have contacted the XXXX XXXX XXXX as well, and they say they can't do anything about it. What's wrong with that picture? This company is a scam and someone should try to stop them from these fraudulent activities. This company needs to be brought up on charges from the Attorney General 's office in XXXX, DE. I hope no one responds to their bogus requests and threats.
Consumer complaint received 2021-12-17
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-27
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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