davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
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. (MD)

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. 

I told the Experian, XXXX, and XXXX to remove these accounts I never opened or authorized them, Im a victim identity Theft : ( XXXX ) XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX ( Experian ) XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

These accounts has hurt my ability to obtain credit!
Consumer complaint received 2023-11-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NH)

My Apple Saving account ( by XXXX XXXX ) was under review since XXXX, today is XXXX. I provided all information the bank requested and today I just figured out my account was locked instead of under review. I can no long withdraw or see past transactions.
Consumer complaint received 2023-11-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Keynote Consulting, Inc. (IL)

Keynote Consulting calls me repeatedly, multiple times a day. Im working to try to figure out my debts and challenge those I didnt have information about. Im currently unemployed with XXXX XXXX children. I agreed to a settlement and a payment plan once I knew the debt was legitimate. The agent who called demanded XXXX a month. When I said we might be able to do XXXX he got aggressive and rude and cancelled my settlement and began harassing me. I tried to ease the conversation and tried to tell him when I would be able to make a payment and for how much. He immediately lost his mind and began cursing and yelling and threatening me. Saying he was going to take further action against my family. He was horrible and derogatory. He kept threatening to make my credit worse and made me upset and scared. He screamed he was done talking to me and yelled over me and then hung up after finishing threatening me. 
I am also struggling with XXXX, physically and mentally. Ive been in and out of treatment for a while and can not handle this kind of treatment as it takes me back to really bad times of my life. The stress landed me in the XXXX  for a XXXX XXXX.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (AR)

They are damaging me on credit reports and I don't even know who they are. They say they bought the debt on the report so it's so old it shouldn't be on my report. I've gotten XXXX  XXXX for XXXX and people like this keep damaging the credit I'm working to repair to quit being homeless and couch surfing
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (NY)

I ordered from an online merchant using PayPal in XXXX for {$600.00}. The order required a signature from me upon delivery XX/XX/XXXX. I received an email notification that it was delivered at my residence while at work. I never received my package and with further investigation via XXXX, the package was delivered to the wrong address and they let a thief sign for my package. I have all the supporting documents stating the wrong address it was delivered to and the person ( thief ) who signed for it. I have exhausted all channels to get this matter resolved ; the merchant ( XXXX ), PayPal, XXXX, XXXXXXXX XXXX, in addition to calling the police outside the residence of the thief 's building in order to file a police report. The police did not file a report and told me to resolve the situation with my bank. I also filed complaints with the XXXX XXXX XXXX and The Attorney General 's Office. There is no accountability being taken and I don't have the merchandise nor my money reimbursed. If this is not resolved I will have to file a lawsuit against the merchant ( XXXX ), PayPal, XXXX.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I made an online purchase from XXXX XXXX for {$1400.00}. The package was misdelivered since I requested a DIRECT signature and carrier instead dropped off the package to an unknown individual. Vendor refused to refund my funds. 

I called Bank of America on multiple occasions- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also visited the Bofa Branch located on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX and XX/XX/XXXX. 

Bank of America customer department transferred me to Bill Pay dept and then Claims, and then Check fraud and then Deposits, then XXXX, etc. None of these many departments would allow me to file a claim under the Check 21 Act of 2004. I have been bounced around for hours with nobody really providing any help on this. The staff at this location also said they could not help me and that I needed to contact customer service. Bank of America has refused to investigate this claim and see that I did NOT receive the product I ordered. They violated my rights under this Act and refuse to do anything.
Consumer complaint received 2023-11-29
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. (GA)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtai I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXXXXXX XXXX  XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-11-29
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. (AL)

On XX/XX/2023, a fraudulent application for a credit card was submitted in my name which resulted in a hard inquiry being placed on my credit report with Transunion. Upon learning of this fraudulent activity I reached out to the credit card company to dispute the application. I also contacted each of the credit reporting agencies to alert them of the fraudulent activity and to freeze my accounts. When I contacted Transunion I was told that in order to remove this item from my account that I needed to first file a report with the FTC, then send Transunion both a written statement explaining that the fraudulent inquiry needed to be removed from my account as well as a hard copy of the FTC report. I asked if they could provide me with a letter or document explaining what their requirements are for resolving matters such as these, but I was told that they could only give me the instructions over the phone. A certified letter was delivered to Transunion on XX/XX/2023 that contained a copy of the FTC report, a statement from me indicating that the inquiry was fraudulent and should be removed, as well as a copy of a statement from the credit card company stating that the application was fraudulent and that they requested that it be deleted from my report. I spoke on the phone with Transunion today in order to follow up on the status. I was told that the documents were received, but that they were unacceptable because they were sent from an unauthorized party. They would not provide any further detail and instead suggested that I submit a complaint to the CFPB. I have been contending with this issue since XXXX when the inquiry first began with no end in sight. Over these past 8 months I've taken multiple breaks away from work in order to contact Transunion during regular business hours, as well as spent money on certified mail to ensure these paper documents were received since Transunion refused to correspond in any other fashion than telephone. This is in addition to the negative impact that this fraudulent hard inquiry has had on my credit score/report. It is extremely frustrating that this matter has yet to be resolved despite the multiple attempts to both clarify and meet the needs of Transunion in resolving matters such as these.
Consumer complaint received 2023-11-29
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, am informing you of my final communication before I sue your company. You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the Equifax data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please see the attached FTC report and remove the aforementioned accounts. I've sent multiple disputes and complaints regarding the information listed on my credit report. Please see the attached letters and remove the following accounts from my credit report including these unauthorized inquiries that should have been removed 6 months ago the unauthorized inquiries listed in the FTC report as follows CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

On XX/XX/2023, I received a notification on my XXXX credit monitoring account that a collections account was added to my credit report, I called the collections company, COLUMBIA DEBT RECOVERY LLC DBA GENESIS, they sent me an informational email on what to do and this is one of the steps that they need to verify my identity, and that this collections account is a result of fraud.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

A repeated issue with Experian. They have been showing an account as 'failure to pay ' status, damaging my credit score, where in reality the account has been paid in full and closed for years. They are completely inept, and have repeatedly lied to me about contacting the original debtor, claiming that the original owner of the debt verified their information. Not only do I know the information to be false as a simple matter of fact ( and, by the way, the other two major credit bureaus have the correct information ), I called the original debt owner myself and validated that their records are accurate. So it is XXXX  % solely an Experian problem and they are outright lying to me claiming it isn't. They have falsely claimed to have 'addressed ' my problem nearly a dozen times over the past 4-5 months and have made very little progress toward fixing it. The last complaint I filed resulted in them changing the status from 'collections ' to 'failure to pay ' which I suppose is progress ( maybe? ) but is still completely inaccurate. Again, this is an account which was PAID IN FULL and CLOSED YEARS AGO. So, Experian ( you paying attention? ) ANY STATUS WHICH SHOWS A BALANCE OWED IS INCORRECT.
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (TX)

Someone opened a credit card in my name and provided an old address that I haven't lived at since 2019. My identity was stolen and when I disputed the card they stated it was correct. I have since filed a police report and contacted the fraud department for the credit card. The card was shut down and the credit card company is launching it's own investigation. Experian didn't try to investigate if it was an erroneous account or not. My address shows on the credit report it was changed the same time the card was open.
Consumer complaint received 2023-11-29
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. (MO)

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. I told the Transunion to reinvestigate these accounts : on XX/XX/XXXX - XXXX XXXX XXXX ( never applied ) ; on XX/XX/XXXX - XXXX via XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXX - XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXX - XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXX - XXXX XXXX, XXXX XXXX ( fraud/theft ). However, they stated everything was complete and accurate or still working on it, but it is been more than 30 days since I submitted the complaint. But also how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-11-29
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: Possible Financial Inc (TX)

This complaint is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. XXXX XXXX XXXX has avoided liability of furnishing incorrect information to the credit reporting agencies far too long and if this information is not removed, I will be filing a statement of claim against your company. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence for account POSSIBLE FINANCE. Last month I submitted a cfpb complaint, and you gave a generated response and provided no validation or explanation to the reporting of incorrect payment history, date last active, and loan balance. XXXX has since removed this inaccurate account but your company is still furnishing information to XXXX and XXXX. You are also reporting 2 different account numbers for the same account. I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 3-bureau credit report which shows the inaccurate information.
Consumer complaint received 2019-12-03
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. (FL)

id theft. new inquiries are not mine as folllows XXXX equifax mtg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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: GOLDMAN SACHS BANK USA (NC)

We noted a dip in XXXX XXXX in XXXX, XXXX. When further investigating this we saw an outstanding balance from Goldman Sachs. On XX/XX/XXXX we called XXXX card and found out XXXX card was sold to Marcus Goldman Sachs. Initially customer service could not verify our account since someone had changed the phone number, email address and mailing address in our account. Customer service was able to verify that we were account holder by looking at previous records and history. Apparently a new card had been issued and mailed to someone who claimed to be the account holder. That person made numerous charges to the account. Customer service told us that we were not liable for these charges and that they will submit a dispute claim. on XX/XX/XXXX we received an email saying our dispute was denied and that we were responsible for the charges. on XX/XX/XXXX we filed another claim disputing these charges, which was again denied by email on XX/XX/XXXX. We called the card company on XX/XX/XXXX and asked to receive the documentation they used to make that decision. All we got back via email was the same note saying the dispute was denied. All we want is for Marcus Goldman Sachs to reverse the charges and close our account and fix our credit score.