davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA (TX)

I received a letter regarding Greensky program settlement Administrator stating I was not to receive any monetary for this class action lawsuit. I believe I was a victim a solar panel that I purchased in approximately 2016. Greensky foundations  never issued my {$5500.00} rebate that I was suppose to receive from the electric company due to a solar panel installation rebate amount. 


The reference number stating I will be able to participate in the settlement when I should have. I ask that this claim be look into. 


Greensky settlement  claimant ID : XXXX
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XX/XX/XXXX I'm submitting this complaint in reference to Equifax not updating acct information after I submitted dispute 25 times starting XX/XX/XXXX till current to XX/XX/XXXX I have called you uploaded supporting documents to verf The 2 collections Acct XXXX XXXX XXXX {$3100.00} ( XXXX XXXX ) rental is fraudulent the acct has been updated to closed XXXX XXXX XXXX has updated most of information but they are more current than Equifax I have call everyday for last month spoke to supervisor more than one to resolve this matter still have not got nowhere eact time I submitted dispute in reference to information not being correct Nor is credit score I have got hung up on all I have done everything to resolve this account it's not mine I didn't authorize XXXX of XXXX XXXX to used my information or did I have knowledge of the 2 acct till I pull report XXXX XX/XX/XXXX the have very poor Customer service support gives incorrect information .. please advise I just want it resolved especially after Equifax sent letter in writing stating it will be removed n update this XXXX so wrong that I have to be treated this way And manner
Consumer complaint received 2024-10-17
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. (SC)

Im asking for your help with the incorrect account that is being shown on my credit report. This issue has been damaging to my reputation as a customer, and I need your help. I want these accounts removed because they are inaccurately reported and have a negative effect.
Consumer complaint received 2024-10-17
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. (TX)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-17
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. (VA)

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (FL)

I recently obtained my personal credit report from your organization and discovered that an unauthorized inquiry has been made. I then mailed a letter to the credit bureaus requesting the information on my credit report be investigated and removed if found to be valid. None were removed and I was not sent back the how too 's of what was used to investigate my request.
Consumer complaint received 2024-10-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (FL)

Regional Acceptance chargeoff balance {$17000.00} Disputed XX/XX/XXXX XX/XX/XXXX charged off XX/XX/XXXX Date opened XX/XX/XXXX I am writing to file a formal complaint against Regional Acceptance Corporation for their violation of 26 USC 6050P and fraudulent reporting practices. 
Regional Acceptance has admitted to charging off my debt but has refused to issue a Form 1099-C as required by law. This refusal is a clear violation of 26 USC 6050P, which mandates that any applicable entity that discharges indebtedness of {$600.00} or more must file a Form 1099-C with the IRS and provide a copy to the debtor. 
The company 's actions constitute fraud for the following reasons : They have acknowledged the charge-off of the debt, which is considered a discharge of indebtedness under the law. 
They have failed to report this discharge to the IRS via Form 1099-C as required. 
They have denied me, the debtor, the legally required documentation of this discharge. 

This fraudulent behavior not only violates federal law but also potentially exposes me to tax liabilities and continues to negatively impact my credit report. 
I request that the CFPB take immediate action to : Investigate Regional Acceptance Corporation 's violation of 26 USC 6050P. 
Require Regional Acceptance to immediately issue the Form 1099-C for the discharged debt. 
Mandate the immediate removal of this account from my credit report due to the fraudulent reporting. 
Take appropriate enforcement action against Regional Acceptance for their non-compliance with federal law. 

I am prepared to provide any additional information necessary to support this complaint. Please contact me at [ Your Contact Information ] if you require any further details. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (GA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX MD XXXX
Consumer complaint received 2023-04-30
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. (TX)

I sent credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said they account was verified on 2 credit bureaus ( XXXX and Equifax ) but XXXX came back as unverified and was removed from report. 

XXXX XXXX XXXX
Consumer complaint received 2017-07-04
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. (TX)

My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars fro m five y ears ago. I am Inquiring as to why that is?
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westlake Services, LLC (TX)

This is not about a company.Its about inaccuracies on my credit report.one is I dont have 2 outstanding loans. I purchased a used truck a couple years ago and got in house financing and the financed was Westlake financial out of XXXX XXXXThey were charging me 18 percent interest so I had my bank ( XXXX XXXX XXXX in XXXX Texas to assume the loan at 6.9 percent interest.So they paid WestlXXXX off and my title is with the loan officer XXXX XXXX in XXXX.The next inaccuracy is XXXX XXXX XXXX.I canceled that cc a log time ago.AndthisXXXX XXXX XXXX XXXX XXXX, I have no clue what or who this is you can call me at XXXX please help me with these three issues and get it off my credit report.Thanks
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX of 2015, I applied for a XXXX XXXX Bank credit card and I was denied due to the bureaus not providing a credit score. Based on XXXX XXXX Bank criteria, certain information to make a determination for approval for credit was not available to them to make a decision. This decision has hurt my credit tremendously. Attached are relevant documents for this bureau to review and update their information.
Consumer complaint received 2023-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

I received a text message this afternoon XX/XX/2023 around XXXX from what I thought was my bank that someone was trying to Zelle {$3500.00} from my account. Not to long after that I received a call from who I thought was my bank and spoke with a guy that told me he was from XXXX XXXX and told me if I knew a XXXX XXXX of course I said no and he told me I must Zelle myself money because my account was hacked and he sent me code. I honestly thought the call was genuine cause he seemed like he was trying to help me I had no idea I was being scammed. I only had XXXX in my checking so I then had to make another Zelle transfer of XXXX.
Consumer complaint received 2023-04-30
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I submitted an application to lease an apartment. The credit check Rental Report lists in the column with information from EXPERIAN, the address of my ex-husband XXXX an address where I have NEVER lived! EXPERIAN does n't have any way for me to dispute to REMOVE this incorrect information on their website or by their automated phone system. PLEASE GET THIS INCORRECT INFORMATION REMOVED FROM MY FILE AND THE RENTAL REPORT updated. Thank-you.
Consumer complaint received 2023-04-30
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-30
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. (TX)

Hello! 

I have tried contacting these companies but nothing is working and these credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on with this, The credit bureaus have Zero respect for the laws. 
they need to be held accountable for their action toward consumer thanks
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX I used my PNC checking account debit card to satisfy a payment to XXXX, XXXX. 
My cell phone had failed. XXXX contracts with XXXX to handle their extended warranty service plan. I called XXXX, spoke with a person called XXXX, who agreed the phone was qualified for a replacement. The cost of replacement was {$99.00}, paid by debit card. The phone was to be mailed and arrival expected within 10 days. USPS tracking # XXXX was issued. I contacted XXXX for status and was told they could do nothing, replacement shipped. 
I contacted PNC and filed a dispute on XX/XX/XXXX, ie the merchandise not received. On XX/XX/XXXX, they requested more information, see attached. On or about XX/XX/XXXX, I received a secure message within my PNC account that the dispute was settled, the merchant didn't do wrong, no refund will be made. Same day, I called PNC for copies of the investigation documents, nothing received to date. 
If you check the tracking number, the merchandise is still in transit as of today, see attached.
Consumer complaint received 2023-04-30
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. (OH)

The account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a retail installment contract i have had this wrong information I have a cfpb complaint number XXXX where they stated that i signed a retail installment contract this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX, XXXX, XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of Ed/NelNet I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX