davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

In my previous dispute against Experian, they responded that the collections, charge-offs, and late payments were all verified as accurate. I would like to know what method of investigation was used to verify the accuracy and validity of the disputed accounts? 

According to 15 USC 1681b section 1 & 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given to furnish these fraudulent accounts? This is aggravated identity theft and defamation of character. 

I have not been able to qualify for a loan for my house because of these unfair and inaccurate practices. I will reattach the previous dispute letters and affidavits so that you can use them as a guide as to which account/inquiries should be removed and DO NOT add a fraud alert. My next step is civil court.
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

I have received 4 phone calls in the last week regarding a supposed debt my father does not owe, from a company calling themselves RMS. Two were on XX/XX/2022, another the next day ( straight to voice-mail as I had blocked their number ) and another on XX/XX/XXXX from a new number. The first three were by a real individual and the last by an robocaller. 

The last robocall gave a prompt to talk to a real person, so i endeavored to confront RMS. I asked for their address so I could file a TCPA lawsuit, but they hung up.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MA)

Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank USA XXXX On XX/XX/2022, I applied for AppleCard. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( a ) ( 3 ) and you assume civil liability pursuant 15 U.S Code 1691e. 

Goldman Sachs Bank USA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 via email is both proof and evidence that I have been discriminated against, you are also criminally liable. Goldman Sachs Bank USA should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have been trying to resolve this issue with Experian for some time now. I received a response from Experian on XX/XX/2022 report # XXXX and report # XXXX on XX/XX/2022, I have send letters to Experian requesting they provide me written proof of verification for the late payments with XXXX and Dept of Ed with accounts numbers that begin with XXXX. Experian has violated my rights and is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates. 
When did I give them written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been violated and because of these inaccuracies being a single parent I have been unable to secure a home loan for me and my children. We have suffered greatly.
Consumer complaint received 2022-09-01
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 AND EQUIFAX HAS A XXXX ACCOUNT INCORRECTLY STATUS ON MY REPORT. THE OPEN DATES ARE MIXED UP, THE LAST REPORTED IS MIXED UP. ON EQUIFAX THE COMMENTS SAYS ACCOUNT LEGALLY PAID OFF, EQUIFAX SAYS SETTLEMENT ACCEPTED, XXXX SAYS PAYEMENT AFTER CHARGE OFF. WITH ALL THE ERRORS BY THE BUREAUS IT SEEMS AS INACCURATE INFORMATION IS BEING DISPLAYED AND WRONG INFORMATION IS BEING GIVEN TO ANY THAT REQUEST INFORMATION. THE CREDIT AGENCIES ARE IN VIOLATION AND IS NOT DOING THEIR JOB AS LISTED BY THE FCRA GA XXXX XXXX XXXX ACCT # XXXX IS REPORTING INCORRECTLY WITH XXXX AND EQUIFAX XXXX XXXX IS SHOWING CLOSED HOWEVER CURRENT AND STILL REPORTING NEGATIVELY AND THIS IS HURTING MY CREDIT SCORE. I NEED THE FOLLOWING ACCOUNT DELETED. ITS ALOT OF ERRORS AND THEIR IS NO ACCURACY ON TRUE OPEN DATES NOR LAST DATE ACTIVE XXXX DATA IS COMPLETELY OFF WHICH INDICATE THIS CAR WAS SOLD TO A DEBT COLLECTION AGENCY AFTER I WAS NOT PROPERLY INFORMED REGARDING ABOUT THIS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT MY RIGHTS HAVE BEEN VIOLATED. 
XXXX XXXX. XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX. XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XX/XX/XXXXACCT # XXXX HAS INACCURATE OPENED DATE, 2 DIFFERENT HIGH CREDIT AMOUNT, INACCURATE LAST REPORTED DATE
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XX/XX/XXXX I made the purchase of a money order for the payment of my rent, by XX/XX/XXXX they notified me at the rental office that the money order was not charged due to not having funds, which is absurd since how to know a money order is understood as cash because the debit is at the moment, I called my bank and they notified me that the debit was made correctly without problems and that I actually had the funds, so the problem had to be with the company XXXX XXXX with whom I purchased it. 

I contacted them and it was impossible for them to help me since they only directed you to a web page to supposedly open a case and on that page it told me that when I open a case " supposedly '' they would automatically send the replacement of my Money order in 7 days at the latest while they found out what could have happened. 

As of today I present a delay with the rent, they are charging me late for the delay and additionally they are charging me for the supposed return of funds that I should not assume because I had the money and the debit was made correctly. 

I try to communicate with them and they only talk to me as if they were machines indicating that they can not help me by phone that I must enter the page and write a comment as of today I have not received the replacement of the money order or the deposit in my account, this is causing serious problems with the place where I rent and they do not give me answers. 

My money is withheld and it's been more than two months since I bought the money order and almost a month of waiting for the answer and resolution and nothing, I'm desperate I don't know where to turn or what to do, it's my money and it seems to me It's unfair to be going through this and that they don't support me or give me a precise answer since they don't even want to answer me by phone even though I even asked them to speak to a supervisor. 

I send the data of the money order as well as my data and the case number Money order : XXXX Amount : {$870.00} Date : XX/XX/XXXX Case : XXXX Name : XXXX XXXX Payable to : XXXX XXXX I started receiving emails from them on XX/XX/XXXX where they asked me for a copy of the money order and on XX/XX/XXXX I sent it to them, since that date I have received a response as to what happened and I have not received the replacement refund to my account. 

I really hope you can support me I'm desperate. 

Greetings XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (NC)

I called to apply for a loan at Navy Federal Credit Union via phone with a live agent. The purpose of the loan was to consolidate credit card debt. Once the details of the loan were explained, I verbally asked the agent for clarification if I was understanding correctly that interest would not accrue until XX/XX/2022. I intended to pay a significant portion of the loan before the date provided to avoid major interest. I made the decision to go forward on the load based on the information the agent providedprimarily the fact that I wasnt accruing interest until XX/XX/XXXX. I would like for this issue to be resolved by XXXX XXXX taking responsibility for the information its employee provided by waiving the interest until XX/XX/XXXX as I understood it would be based on the information given. 





Case # XXXX
Consumer complaint received 2022-09-01
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. (PA)

To Whom It May Concern, I am writing to dispute the following information on my credit report, I recently received a copy of my credit report, and i found the following inaccurate information reporting to my credit. 

XXXX Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX Transunion Account # XXXX Account Name : XXXX XXXX XXXX XXXX Date of last Activity Reporting : XX/XX/XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Date of last Activity Reporting : XX/XX/XXXX How can all three credit bureaus have three different dates on the same account. The dates of activity are incorrect and does meet FCRA. According to he Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of FCRA - You are required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-08
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. (WA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 XXXX XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX  bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX
Consumer complaint received 2022-09-01
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. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Case XXXX XXXX was closed without notice or credit of package for service not rendered I asked for copy of delivery receipt to sendee, never sent copy this to me as package misdelivered To add insult to injury, I lost merchandise sent I am seeking retribution in separate claim to XXXX XXXX XXXX I want credit {$85.00} form Capital thru XXXX post for sending fee {$85.00}
Consumer complaint received 2022-09-01
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. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

i have sent in letters to credit bureaus about fraud on my reports and only get back they verified it. i asked for proof of verifications along with my signatures which have never been provided to me. It is ruining my life and name and just want it resolved. I have filed a police report also with XXXX XXXX XXXX XXXX REPORT NUMBER : XXXX
Consumer complaint received 2022-09-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE (TN)

Iwent to the XXXX and XXXX XXXX in XXXX, TN on XX/XX/2022 to look at possible purchasing a XXXX XXXX XXXX. They said they would run the numbers and let me know what the monthly cost would be. I agreeed to let them run my credit 1 time. I get home to find out that it that had been run 5 times as a hard check through 5 different banks and companys.I did not authorize it through thses companys listed below ( 1 ). Huntington Nal. XXXX  ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX XXXX I was told by XXXX and XXXX that if i purchased a vehicle that thses credit inquries would fall off, and not to worry about it. My credit has droped XXXX XXXX and will cast me money if I wantd to buy something. My credit is not theirs to use as they see fit. They need to be held accounable for what they have done to my hard earned credit. I did " not authorize '' them to run my credit 4 times with out my consent.