davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

I opened up a account online XXXX weeks ago and deposited {$200.00} in my account. As I awaited my debit card, I went into the branch and withdrew {$100.00}. After receiving my card and activating it, I went into a branch location and deposited a XXXX financial aid refund. The teller advised me that the funds could potentially have a hold and to check my account after midnight to see if a portion of my funds would be released. I did as instructed and the majority of the funds showed available. 



Fast forward to the next morning, which is Friday XX/XX/XXXX and I placed a online XXXX order to pick up a few gifts for my children. A few hours later, I received a call from BMO fraud department. The individual who contacted asked me various questions re why some one like me would choose to open a account at BMO Harris. I was bewildered by the question and asked for elaboration. The individual stated that He was from the fraud unit and was concerned as to how someone who only had {$200.00} to open an account suddenly came into possession of XXXX. 

He then proceeded to tell me he was going to freeze my entire account, not just the check deposit, until he could speak to someone from my school to verify that I am a student, that they issued the check and the he wants to speak with someone at the bank because he believes the check to be fraudulent. 

Again : I am completely bewildered. I asked him a timeline on when this would occur, seeing as we are XXXX days before XXXX. His response was BMO doesnt care about your holiday. They pay me big money to stop people from committing fraud and Im not letting you walk out of a bank with XXXX that isnt yours. 

Now, Im livid. I asked him if he understood how disgusting it was to gloat about his paycheck when he is freezing my account before the holiday. His response was I dont care, Im compensated well, if you dont like it, file a complaint. 

Calls are recorded, so you can verify what was said. I called back to customer service to speak with another agent. This time, I got a female rep who proceeded to tell me that shes not going to even look at my account because I already spoke with someone. I asked to be escalated to a supervisor and she said no. I told her that I would just go to a branch to see if they would call and she told me that Id just be wasting my time because nobody was going to assist me with a complaint about a XXXX XXXX XXXX. 

I drive to the nearest branch anyway and attempt to log in to my account to see if there has been a update. My User Name, E-mail, Password all rejected. I call back to customer service and they tell me that someone went into the system and suspended my online and phone access. I ask why and they say no notes were left. 

This is petty, unprofessional behavior and I want to make sure they are aware of how new customers are treated as I take my business elsewhere. I can understand holding the check as a business practice. But, being childish, demeaning and disrespectful was not necessary.
Consumer complaint received 2022-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion 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 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 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 same as others
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2022-12-12
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. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-24
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. (NC)

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 # XXXX, XXXX XXXX XXXX # XXXX, 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 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 2022-10-03
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (MI)

Yes ... I am disputing an collection account on my consumer report ... that has not verify the debt as belonging to me FCRA 15 us 1681 a ( 2 ) 15 US 1681 B ( A ) 1 2 15 US 6802 XXXX Should not be reporting until it verify the debt, inaccurate information is reporting on my consumer report.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX I found out my info was fraudulantly used to obtain credit. I requested credit reports and to my disbelief, there were many erroneous and inaccurate info on my report. 
I filed a FTC ID theft affidavit along with proof of addresses that were not mine, names, XXXX and names.

15 U.S.C 1681 ( a ) ( B ) ( ( G ) ( H ) ( I ) Everything must me fair and accurate.

Transunion has violated my rights by Fraudulantly saying that they verified with creditor, creditor have deleted the erroneous accounts on XXXX and XXXX but Transunion refused to reinvestigate and instead updated the account but, with a new Account XXXX the very same account they deleted. I have not been able to receive any free credit reports from them, due to system unavailable for last 2 months, I have attached the FTC ID teft Affidavit to show the 2 original fraudualnt accounts that were deleted, and prove that XXXX XXXX  and Transunion Fraudualntly added the account again with a new number. 

XXXX XXXX XXXX XXXX XXXX is the same XXXX XXXX Account # XXXX that was fraudulantly opened and deleted along with another acount that was also deleted. 
XXXX XXXX XXXX XXXX XXXX is not mine, it's illegal to and a violation of my rights. 
Delete this account or I will sue for fraud, inaccurate and erroneous info my report.
Consumer complaint received 2020-03-05
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. (CA)

FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE AND HAVE FAILED TO PROVE HOW ITEMS WHERE VERIFIED.
Consumer complaint received 2020-03-05
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. (TX)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSE. 

AS OF XXXX THERE IS A 30 DAY VIOLATION WHICH IS INDEFENSIBLE UNDER THE FCRA GUIDELINES.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (WA)

Today, XX/XX/2020, Ally Bank was advertising interest rates of 2.5 % for a fixed 15 year refinance. This was obtained using their web site ( online bank only ) and their refinance calculator. All the details of the refinance ( amount, location, etc ) were entered into the refinance calculator. Because of the low interest rate, we started the application process ( also online ) the same day. The interest rate suddenly changed to 3.375 %. We e-mailed XXXX XXXX ( XXXX ) and he just said the rates are changing every day. But evidently they are changing every hour, because when I went back to their online rate calculator, I was given a new rate of 3.125 % for the same loan. Again, their online calculator is lower than the actual rate they will loan money at. This is just deceptive.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XX/XX/XXXX payment status shows charged-off but still shows balance of {$960.00} and a past due of {$960.00} which is not suppose to. 

XXXX - did not record or has no record of this account XXXX  - high credit/credit limit is reported {$0.00} last reported date is XX/XX/XXXX payment status Collection/Chargeoff - Date of Last Payment there's no record found Equifax - high credit is reported {$870.00} and credit limit is reported {$0.00} last reported was XX/XX/XXXX payment status Late 120 Days- Date of Last Payment XX/XX/XXXX Improper/Incorrect misinformation has been reported.
Consumer complaint received 2023-01-18
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. (NC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

A debt of {$210.00} started appearing on my XXXX  credit report from Aargon Ageny for an XXXX XXXX from XXXX XXXX  that went into collection near the end of 2022. I was not aware of this bill. I have not received one correspondence from XXXX XXXX  stating I owe anything. I also told them that it is impossible for me to have any XXXX XXXX from XXXX  because I haven't lived in the state for almost 5 years. The account was opened XX/XX/2022. That is impossible for me to open an XXXX XXXX  account in 2022 when I live in XXXX.
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC, Transferred alleged account numbers XXXX and XXXX to a different lender and I was not notified with any documents. The last correspondence was sent to the LVNV FUNDING LLC from me in the form of a dispute. Instead of the company responding to my dispute, they instead sent it to another lender without responding to my request. This is clearly a violation of THE FCRA 15 U.S. Code 1692c - Communication in connection with debt collection. It also violates 15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. As a furnished, this company has a duty to make sure ( me ) the consumer is fully aware of what changed on an alleged debt and to make sure the furnishing to any CONSUMER REPORTING AGENCY IS ACCURATE. I WANT THIS ACCOUNT DELETED.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (NM)

CONDUENT lies about sending the Payroll Card. Does not exist, or they just chose to withhold it from me. That is outright discriminatory. 
The paycheck due on XX/XX/XXXX, is not paid to me until XX/XX/XXXX, at which time the only deductions that should have been taken would be payroll taxes and nothing else. 
I had in XXXX hours + XXXX  day of holiday pay, and Conduent had me verify that XXXX  times on XX/XX/XXXX. Paid for only XXXX hours. 
Deductions for XXXX  and others should NOT have been taken as Company closed my benefits as of XX/XX/XXXX. 
Missing day of pay XXXX hours at $ XXXX = XXXX XXXX  = XXXX ; the company just keeps it at end of the year as I can not access/use XXXX = XXXX XXXX XXXX = XXXX Vision = XXXX earned sick pay XXXX hours Medical XXXX Short Term Disability = XXXX Missing pay and wrong deductions = over {$XXXX}, XXXX.
Consumer complaint received 2024-03-19
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. (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 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 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 XXXX 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 XXXX 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Tihs is my multiple compliants .... I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and UPDATE the listed ITEMS below. 

XXXX Account Number : XXXX UPDATE and remove the late payment of this account.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

I sent my wife money when we where on vacation through XXXX XXXX on XX/XX/XXXX and 2 months later my bank USAA allowed XXXX XXXX XXXXo take XXXX dollars from my account when USSA never had any part of and on top of that they took it with a point of sail of XXXX my daily limit at that time was XXXX and they never let me put anything on XXXX XXXX with out declining it first as fraud projection. I have worked with USAA for several months now even showed them proof of XXXX XXXX not returning are money, seems like all the ones I talk to understand and want to issue us the credit but then when its turned over to next in line they tell me we cant open the claim back up. I have asked several times for the name who authorized the theft of out money but no one will reveal the name so we can call authorities immediately, I have exhausted every attempt with USAA and they do not want to deal with me anymore
Consumer complaint received 2023-01-05
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. (SC)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across thislaw today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/blockany items not later than 4 business days. Ive already included this in my previous complaint & I am including itagain., 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
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

I asked Experian.com to delete my login from their website and they said the following : " Due to our internal retention policies, we are unable to comply with your request to remove your personal information from our system. " There have been several data breaches reported with this company. My data is NOT safe with them and I have had issues with suspicious emails and addresses linked to my information before. 
XXXX XXXX XXXX They are known for requiring multiple emails to get accounts cancelled : XXXXXXXX XXXX XXXX There are XXXX reports of having account with them being a liability as a thief can go thru their customer service to unfreeze credit score and there is no 2 factor authentication for this kind of thing. 
XXXX XXXX XXXX