davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I initiated an Experian Credit Bureau dispute on 10 Credit Bureau reporting accounts Dept of Education/XXXX , the accounts had been transferred to XXXX/Dept of Education on XX/XX/2023 XXXX Experian responded on XX/XX/2023 the dispute process was completed and no changes to the XXXX account had been updated, it remained the same. Therefore Experian is continuing to report 10 duplicate Federal Student Loan accounts the balance with XXXX remained on my report. 
On XX/XX/2023 I filed another dispute with the Experian Credit Bureau to dispute the same 10 Credit Bureau reporting accounts Dept of Education/XXXX , my dispute is the accounts have incorrect balances, the balances are XXXX. XXXX was paid in full XX/XX/2023, XXXX should no longer be reporting a balance as of XX/XX/2023. 
On XX/XX/2023, I received Experian response to my dispute, dispute process was complete. The information remain unchanged. I had difficult reaching someone at Experian, that's ongoing issue, contacted member services who transferred my call to dispute representative who understood my dispute, however best the rep could do was to file another one. I informed the Experian Rep, the information is easily confirmed via their website and automated system, the 10 accounts were paid in full XX/XX/2023 total {$130000.00} and all account balances reflects {$0.00}. This is two disputes, I informed the rep, Experian should be capable to correcting this information through a phone call themselves, I should not have to wait another 30 days to get another notification that the dispute was complete and the information remain unchanged due to their inability to confirm the balance with XXXX. It's unfair to me as the consumer and I have information being reported that is incorrect and is knowingly incorrect but Experian fail to update it. I have attached a copy of the XXXX Statement and Payment history that reflect the date the payments were paid in full and the balance is XXXX. Why is this unable to be correctly updated in Experian Reporting? This takes up too much time to continue this process, it's very frustrating, really wish you guys consider doing away with these type of consumer reporting risk companies. There has to be another way to obtain accurate information without consumers having to go through this type of steps to learn it is not removed after having written and confirmed proof.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NV)

I am a long-term customer of Marcus by Goldman Sachs . I have XXXX Savings Accounts, all of which were locked on XX/XX/2023. I did not receive any notification that the accounts were locked and only learned when I called to check the status of a bank wire. The representative said there was a note on my account that the bank cancelled the wire when they could not reach me by telephone days ago. I was later told by a supervisor that no call was ever made and there was in fact, no such note. 

The bank then refused to use any of my personal information to verify my identity, including my social security number, date of birth, and secret word. They also refused to send a one-time password to my phone. They said that my cell number is now invalid and they must instead send me an " affidavit of identity '' to notarize and return. Even though the form is initially blank, they will only send it via first class mail. Meanwhile all of my funds will be frozen, leaving me without funds to pay my bills. They also said they can not tell me the reason for the hold without the affidavit. 

I have read many accounts on this website and others that Marcus can take weeks to unlock the account, even after receiving the affidavit. I will be forced to liquidate an investment to generate enough cash to pay my bills, including the ones that come out of the Marcus accounts automatically. 

It was completely unprofessional to not contact me and inform me about the locked status and to misinform me about the attempt to call me. It was also completely unprofessional to refuse to use any reasonable method to verify my identity and to delay the form by forcing it to go via snail mail in both directions.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Transunion has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for TransUnion to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for TransUnion to provide the following : XXXX. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which thev spoke with them. 
By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I believe Transunion is practicing incorrect Credit Score. I the last XXXX days I have only received a Total of XXXX Positive points an a Total of XXXX Negative an I have had Major changes in everything from payment history, to XXXX XXXX, To major increase in credit limits. I have done every little things that I could to influence my score higher then those points. My XXXX an XXXX has moved over XXXX Positive Points. My Transunion XXXX is XXXX my XXXX XXXX is XXXX with an XXXX Positive Points on XX/XX/2022 an nothing from Transunion. I have asked them to look in the matter but they have yet to respond bout with technical support or just any kind of support. Transunion is XXXX of the biggest credit reporting agencies Trans Union is affecting my life in a negative manner with this low credit score that should be higher and next month Im expecting a lot more positive things to hit my credit and I dont want any issues to keep piling up I think I Deserve XXXX positive points plus all points coming in the month of XXXX I have tried to contact them numerous times. I will now make a complaint with the XXXX XXXX XXXX on this subject please someone contact me through email or by phone XXXX
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I rented a car online through " XXXX. '' using my Amazon Visa credit card. My credit card was initially charged {$310.00} and a further {$110.00} was paid when I picked the vehicle up at the XXXX, Arizona airport. When I received my credit card statement, I discovered that that XXXX XXXX XXXX had charged my Amazon Visa credit card a further {$190.00}. I contacted customer service at Amazon Visa, and informed them that I did not authorize the {$190.00}, and did not know what it was for. Amazon Visa opened a dispute, and sometime later advised me that they had received a reply from XXXX XXXX XXXX in which the merchant stated they did not make a mistake on my bill. Amazon Visa took their word for it, and informed me they believed the charge was valid. 
I asked Amazon Visa to send me the reply from the merchant, and instructions about how to appeal the decision, but to this day Amazon Visa has not supplied the requested information. My receipt from " XXXX, '' shows the total price of this rental car fee to be {$420.00}, and no more.
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX ( XXXX XXXX. XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), XXXX XXXX XXXX CO XXXX XX/XX/XXXX ), US SM ADMIN ODA XXXX XX/XX/XXXX. XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-26
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 Report Act XXXX  account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a 30-day late notation. I request an investigation and removal of this collection account from my credit report.

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2022-09-12
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. (FL)

I Have had my credit file for a long time now as I already have 9 open credit cards available to me I havent verified my personal credit in a while, on XXXX, XXXX 2022 I decided to apply for Buissness credit card for my company surprisingly I was denied upon verification of my credit score and credit report I realized unusual inquiries from these credit institutions named above I will be placing a credit freeze and credit monitoring service with the 3 credit bureaus I belive that my information was compromised upon application for a vehicule loan.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC. (AR)

XX/XX/ My husband ID was falsely made with our home address, birthdate, but fake license number and incorrect expiration and false photograph. We live and work in XXXX XXXX Arkansas this man went to XXXX Missouri and withdrew XXXX in cash and XXXX XXXX in cashiers checks. We had just deposited XXXX into our account so how did they know those funds were available and how did they know the account number??? And why did the bank not call to verify a withdrawal in XXXX Missouri when we have NEVER been there. This is VERY suspicious and now these criminals have our money and know where we live and do and make and now can get loans or other cards and not only steal from us but steal our identities??? They call when a credit card transaction is high WHY would they not call when this depleted our account????
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (NY)

XXXX is incorrectly billing me for XXXX service it did not provide. I requested that XXXX terminate my FIOS service starting XX/XX/21, as I was moving out of my apartment. My request was made on XX/XX/21 and I have an email from XXXX confirming service would be disconnected XX/XX/21 and that it would send a final bill reflecting service through the disconnect date ( attached ). However, XXXX is continuing to bill me for service from XX/XX/21 to XX/XX/21 ( attached ). I have repeatedly requested that XXXX provide an updated bill for the time period service was in effect, XX/XX/21 to XX/XX/21, but it has refused. Instead, XXXX is seeking to collect monies for services it never provided from XX/XX/21 to XX/XX/21. When I initially cancelled the service on XX/XX/21, the XXXX XXXX said I would need to wait a billing cycle for an updated bill reflecting service through only the disconnect date, as XXXX bills a month in advance, but I never received one. 

XXXX has now referred this matter to collection agencies and has reported the collections matter to the credit bureaus.
Consumer complaint received 2022-09-27
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. (PA)

In accordance with the Fair Credit Reporting Act. 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 2022-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (MD)

XXXX XXXX  XXXX keep sending wrong information and I keep getting different mails from different collection agencies trying to collect a debt including LJ ROSS and I dont recognize this debt, nor the amount owned. Im requesting debt validation which includes : Name and Address of Alleged Creditor, Alleged Account #, Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the Fair credit reporting act, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states i have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC. (GA)

I took out a small loan in XXXX after a car accident that I was not at fault but it prevented me from working ; the loan company NC Financial Solutions stated that I would be able to pay back this amount overtime inurnments. During my signee I went into detail about a legal tort that I already had in place with XXXXXXXX XXXX XXXX XXXX  service and how'd be paying them back with these funds. Things changed and in XXXX Net Credit aggressively go involved with that tort nd in XXXX a XXXXXXXX XXXX XXXXXXXX XXXX  XXXX served me with legal papers filed in XXXX XXXX. They paper work made it seem as though this debit was clear and when I finally got paid out from the XXXXXXXX XXXX XXXXXXXX it was substantially less because it was the remaining funds. 

Now, I'm getting new letters from lawyers saying that NC Financial Solutions of XXXX, XXXX is now getting XXXX XXXX, XXXX to file a law suit against me in XXXX XXXX. Surely, thus has to be double dipping. Thank you kindly for your attention and time regarding this matter. Shalom Truly, XXXX XXXX XXXX
Consumer complaint received 2022-06-26
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. (PA)

Experian and XXXX show a public record on my credit profile. This public record seems to be a bankruptcy. The item is not mine and yet the verification comes back stating it is. They offer no true verification for me to prove its not mine. I called the courts that this seems to be filed with however they say they do not verify records and or identify who in fact the record belongs to. Because of this it is clear to say its somebody with a similar name and so the two bureaus keep it on my file. I need immediate relief and this to be removed as its not mine and dont belong to me
Consumer complaint received 2022-06-26
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. (IA)

There is inaccurate information on my credit report. The company has not resolved this matter and therefore are not in compliance with the FCRA laws.
Consumer complaint received 2022-06-26
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. (MN)

The following accounts and credit inquiries listed on my XXXX XXXX, Experian and XXXX credit report is fraudulent and not my account : XXXX XXXX XXXX XXXX, XXXX, {$370.00}, XXXX XXXX Bank, XXXX. XXXX, {$2000.00}, XXXX XXXX Bank, {$570.00}, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Bank, XX/XX/2022 XXXX XXXX Bank, XX/XX/2022 and XXXX XXXX XXXX, XX/XX/2022
Consumer complaint received 2022-06-18
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: National Credit Systems,Inc. (LA)

I completed and attached my police/FTC report to remove the fraudulent collection appearing on my credit file for two fraudulent accounts that do not belong to me. 

This fraudulent collection account " National Credit Systems {$5000.00} '' account is listed as a " Co-Owner '' not even my account & XXXX XXXX XXXX reports an account with a balance of {$550.00} which doesn't belong to me and is listed on my Police/FTC Report XXXX 

I contacted FTC Fraud Department and police agencies but nothing is being done.