davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
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. (WI)

I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account - Discrepancy with XXXX Dear Sir or Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681, which guarantees the right to accurate and complete information in credit reports. I am formally requesting the removal of an account that continues to appear on my credit report, despite the fact that XXXX has already deleted this account from its records, creating a clear lack of uniformity and accuracy among the XXXX credit bureaus. 
Account Details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a credit file is found to be inaccurate or unverifiable, the credit bureau is obligated to correct or remove that information. XXXX has fulfilled this requirement and removed the account from my report. However, my report with [ XXXX/Experian ] still reflects the incorrect information, which constitutes a violation of my right to have an accurate and complete credit report across all credit bureaus. 
Attached to this letter is evidence of a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which proves that the account in question was deleted from my XXXX report following an appropriate investigation. 
Additionally, I would like to refer to the case of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), in which the court held that credit bureaus have a responsibility to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. In this case, it was determined that inaccurate reporting constitutes a serious violation that can cause financial harm to the consumer, which directly applies to my current situation. 
Therefore, I am requesting the immediate removal of this inaccurate account from your records. The attached evidence confirms that this account has already been deleted by XXXX, and steps should be taken to ensure consistency across all three credit bureaus. 
I look forward to a prompt resolution and the update of my credit report accordingly. Should this inaccuracy not be corrected, I will consider taking legal action under the provisions of the FCRA, including seeking punitive damages for continued noncompliance. 
Thank you for your attention to this matter. I am available to provide any additional information necessary to facilitate this process. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (GA)

purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

This letter is regarding the difficulty and time spent submitting and contacting Experian regularly regarding access to the online portal and filing electronic disputes.

As a consumer, I do not feel I have been provided with the due process as outlined in the Fair Credit Reporting Act. According to FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-10-18
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. (IN)

Mistakes exist on my credit report under 15 USC 16c-2. The inquiries noted were unauthorized, and this is harming my credit. Kindly remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was contacted on XXXX by XXXX XXXX XXXX by XXXX XXXX They advised on voicemail that I was being served/sued over. They contacted XXXX family members advising the same that I was being sued/served, disclosed my name, social security number, and date of birth. The company told these people that they were listed as references which is a absolute lie. I spoke to XXXX XXXX He told me what it was finally in regards to. An old credit card debt I paid and I advised that it was paid years ago. They would not release their address or fax to send proof of payment and paid in full letter from 2018 as well as a cease and desist. Almost 5 years ago and I am still be contacted in this threatening manner. When I advised I paid, I advised what company, the amount, when it was paid etc. He said if he needed anything they would call back.never heard a thing more. Here we are today XXXX. A different company is leaving threatening messages/robo calls about suing me. I believe XXXX XXXX hard to tell on the machine. I called back and left a message. But I am absolutely over being constantly harassed over a paid bill. Its been almost 5 years and I am still regularly being harassed over this.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXXXXXX XXXX Account No - XXXX 1. Amount Owed {$1000.00} 2. Placed in Collections XX/XX/XXXX 3. Last Verified Date XXXX XXXX XXXX  I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2022-07-15
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)

On XX/XX/2021, XXXX XXXX XXXXXXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I habe disputed this twice already and got it fixed then this happens again. This complaint is against EXPERIAN for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). I previously disputed an account XXXX XXXX acct # XXXX on my credit report for a late payment in XX/XX/XXXX which was found to be inaccurate and changed from being late to never late However, this account has been reinserted numerous times into my credit report without any notification from EXPERIAN within the required five business days. This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. A few days ago they were reporting that XXXX XXXX was 60 days late now its XX/XX/XXXX. I have already contacted EXPERIAN regarding this issue but have not received a GOOD resolution. Therefore, I am seeking your assistance to ensure that EXPERIAN complies with FCRA regulations and corrects this issue immediately WITHIN 4 BUSINESS DAYS. Attached are copies of all relevant correspondence, including my confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved.

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

After closing a card for legitimate fraud, Wells Fargo applied a statement balance that I had paid off to the new account/card. XX/XX/XXXX - Statement for credit card ending in XXXX was issued showing a running balance {$750.00}. XX/XX/XXXX - That running balance was paid off in full - XXXX ( this is the account transfer confirmation from my checking account ) bringing the running balance back to {$0.00}. XX/XX/XXXX - I received a text message asking for approval for a {$230.00} charge for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Being in XXXX  at the time, I knew this was fraudulent and immediately canceled the card. XX/XX/XXXX - I received a charge on my new account ending in XXXX for the last statement balance of account XXXX ( remember this statement balance was taken on XX/XX/XXXX but was paid in full on XX/XX/XXXX ) which is what the error is. ( XX/XX/XXXX XXXX LAST STATEMENT BAL FROM ACCT ENDING XXXX XXXX ) When attempting to resolve this with Wells Fargo, they insist that the statements reflect accurately, that is because they transferred an account balance that had already been paid off in full. See attached letter of " resolution '' along with both statements that shows what I am referring to. 

Again, they think it is accurate because they charged me the {$750.00} twice. I have now paid that balance twice. I only should have owed for the statement balance that I paid off XX/XX/XXXX which brought the running balance on the account back to {$0.00}.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NH)

I received a phone call-in XX/XX/XXXX. Waited for a collection notice letter never received one. I then have sent two letters out certified mail one on XX/XX/XXXX and another on XX/XX/XXXX and still have not heard a word from the collection agency verifying the debt.
Consumer complaint received 2024-10-18
Product: Credit reporting 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. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-11-30
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. (IL)

I was checking my credit reports with freecreditreport.com and notices my XXXX XXXX account is NOT on my report again!!!!! This happened last year XXXX time and I had to contact XXXX and your office and the credit reporting agencies to fix it!!! They claimed at that time that XXXX had been hacked or something!! I need my car payments reported, as I don't have that many loans!!! I have had the loan for XXXX almost XXXX years and need it showing on my reports, all three of them!! The report I am viewing is Experian so it is not on that one and they need to also make sure it is showing correctly on my XXXX and XXXX reports!!!!
Consumer complaint received 2022-07-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (VA)

I am inexperienced with how credit works and came to the realization that its very detrimental to life as I am embarking on my journey through adulthood. As I was keeping track of my credit score recently, I noticed there was an account opened on XX/XX/2021 by a creditor named XXXX XXXX XXXX The account name is Credence Resource Manage. I am aware of my credit card account I have with XXXX, my car loan account and my student loans that are on my account. However, I have no knowledge of that account I stated and believe that it is a fraudulent account.
Consumer complaint received 2022-07-01
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX TXXXX XXXX XXXX XXXXIL, ACCOUNT # XXXXXXXX XXXX XXXX XXXX  XXXX, ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, ACCOUNT # 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 an account without my written instructions.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This is a formal notification that Experian is in violation of multiple provisions under the FCRA, Violations of My Rights : Inaccurate Information : The fraudulent account remains on my credit report despite being unverifiable ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ). No Legitimate Purpose : The account was opened without valid authorization ( FCRA 15 U.S.C. 1681b ( 2 ) ).

Failure to Block Information : The agency did not block information related to identity theft ( FCRA 15 U.S.C. 1681c-2 ). Lack of Compliance : There has been a failure to follow FCRA rules, causing me harm ( FCRA 15 U.S.C. 1681n and 1681o ). Please be advised that if you do not initiate an investigation into my dispute and delete the disputed information within four business days of receiving this notice, as mandated by 15 USC 1681c-2 and in accordance with my rights under the Fair Credit Reporting Act, I will be compelled to pursue legal action to protect my credit rating and my interests. Each violation of the FCRA carries a potential liability of {$1000.00} should this matter escalate to court.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (AZ)

I have 2 saving accounts with Marcus by Goldman Sachs. I called Marcus on XX/XX/2022 to close the accounts and receive the funds via check. Total fund {$200000.00}. On XX/XX/2022 I called Marcus trying to find out why I still have not receive the check yet. The operator told me that the check was sent to XXXX instead of my home address in XXXX Arizona based on the the bank tracking number. I told them I need fund by XX/XX/2022 because I have a meeting with my banker in XXXX Bank on XX/XX/2022. After two conversation with a supervisor named XXXX, I was told by her that I can get my fund wire transferred after my Chase bank meeting on XX/XX/2022. A half hour later a person name XXXX called me again told me that they can not wire me the fund. I have sign a lost check form and mail back to them before I can receive the fund. XXXX told me that she will overnight mail me the form so I can return signed lost check form back to Marcus in a enclosed envelope. As of XXXX pm XX/XX/2022 I have not received the package for the form so I called Marcus again. The customer service manager told me that the form in the package was not sent overnight. On XX/XX/2022 I finally received lost check form. The information in the package sent to me was not complete and I have to call Marcus to obtain the information ( check #, check date and check amount ) need to complete the form. Finally I completed form in XXXX Bank branch with my personal banker by my side. I stopped by XXXX and sent the package back to Marcus. I called Marcus again after I dropped the form in XXXX and spoke to a Marcus supervisor XXXX and he told me on the phone that notes on my account stated that Marcus will wire the fund once they received the form. However when I called Marcus again on XX/XX/2022 as the XXXX tracking showed that Marcus has received my lost check form. The supervisor XXXX on the phone told me that Marcus will mail me another check. I asked her why I again receive another message that is different that XXXX told me on XX/XX/2022. XXXX told me to hold so she can ask for upper management. After over 30 min waiting and discuss, I finally received another information - I was told by XXXX that once the lost check form is processed ( 3-5 business days ), I will get a call from Marcus to let me know I can request close the account again as Marcus will reopen my old saving accounts. then I can get money wired or transferred to my XXXX account. 
How can I believe I am doing business with a real FDIC insured bank if every time I make a call to speak to customer rep or supervisor I get a different answer? Marcus should not be in banking business!!!