davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-19
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-19
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
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 (OH)

I recieved a call from Goldman Sachs regarding my apple card which has been closed for XXXX years. They said I have an unpaid balance of {$240.00}, I told them I have no balance and the card has been closed for years. they told me when I got the card I agreed to pay any unpaid charges even after the card is closed. I told them I never had a remaining balance. I called them the next day to get more information before their claim damages my credit, asking them what the charge was for. They said it was for a return I made which I explained to them that I made no return and in fact that would result in them owing me money. The representative looked through all my records and could not find any purchases or returns, and told me he would file a " ticket '' to investigate, following with saying, he hopes they foloow up on this quickly because it could end badly with being turned over to collections. On top of this " scam like '' time consuming threat to me, I think of how many others may be frightened into just paying it. I should not be required by Goldman Sachs to prove to them I don't owe them anything. 

I am unable to provide my Apple credit card number because I have not had it for several years.
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

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.

Account # PRSOGS, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (PA)

I got an email on XX/XX/year> about an overdue balance on a lease for cabinets that I never purchased. The company was Acima and I talked to their fraud department and I asked them to begin an investigation and I thought it was resolved but then today which is XX/XX/year> I received a phone call from a financial group that was attempting to collect the remainder of the money. I inform them that I had already talked to Acima and that I never bought these cabinets and they tried to tell me that maybe it was somebody in my home and that is not the case. I asked if I should file a police report and they said I could but in this case they have all the documentation to prove that I bought these cabinets that I never bought. But again I didn't buy the cabinets and I can not find any record in my bank accounts of ever having made payments but they say that two payments were made and they couldn't tell me from what account or exact numbers and allegedly they're sending me some sort of documentation now.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (NV)

I have provided proof to Equifax that XXXXXXXX XXXX XXXXXXXX XXXX XXXX sent me a letter saying they have no account with my name or Social Security number on it at all. It's been over 30 days since i put in the dispute and provided the proof needed and they still haven't removed the account from my credit report. At this point it is a clear violation of my rights to have an accurate credit report under the [ FCRA ]. Please help me
Consumer complaint received 2024-09-10
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. (CT)

Fraudsters stole my personal information and applied to XXXX credit card. They have been approved but were not able to fully use the card as the company caught on to the fraudsters and closed the account. The account was opened XX/XX/XXXX with XXXX credit limit. Current balance is {$2100.00} and it is reporting as delinquent on my credit since XX/XX/XXXX. I have contacted the XXXX, XXXX and XXXXXXXX XXXX and disputed this account as fraud. I have also filled a police report and several FTC reports and sent them to the bank and credit bureaus. Even though they caught on to the fraud and closed the account, even though I found out and reported the matter to FTC and police, the bank refuses to remove the fraudulent account from my credit. Since then XXXX went bankrupt. When I call them they transfer me to several people and no one takes action. Please investigate this matter.
Consumer complaint received 2024-08-28
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. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has directly has violated my rights. 

I looked at my Transunion 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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 2024-11-01
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 (CA)

I was randomly charged {$15.00} on my Apple Card and the transaction history doesnt show any type of charges for that amount. Very shady and company just keeps running me in circles when trying to get it refunded.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (WY)

I received a settle offer for 50 % of balance If I paid {$160.00} the account would be considered settled. I paid that {$160.00} in early 2022. All the sudden about a year later they reported to all 3 credit bureau saying I still owed {$160.00}. I have disputed with all bureaus multiple time and provided documentation that I took the settlement and asked them to delete from report. Everytime my the investigation has come back as the information from XXXX  is correct and legal. I have asked for proof of anything and I am ignored. I gave them one more chance to fix the information being report or provide me proof before I reported to CFPB. Once again I was ignored
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I don't have an account with them. I sent a wire transfer to my friend who banks with Fifth Third bank in XXXX. On XX/XX/year> I did an online wire transfer from XXXX XXXXXXXX XXXX in Georgia. The money wire arrived at Fifth Third bank on XX/XX/year>. My friend went to pick it up and it was not in his account. I called Fifth Third and a lady customer service agent told me that she had my wire transfer in front of her and she said to tell XXXX XXXX to call her and she would send it back to them. I asked XXXX XXXX to call her and they refused. They said they had to do a recall on the transfer. It took them two days to do the recall and Fifth Third did not respond to the recall. XXXX XXXX sent a total of six different recalls for two months and no response. I called both banks for months trying to get my money back. A supervisor and the wire department told me they were waiting on a handful of authorizations and they'll send back my money. They said they have to get them. He said they just can't send my wire money back to my bank. Fifth Third representatives stopped answering me. They said since I don't have an account with them they can't give me any information. My friend has gone into the bank many times and they aren't giving him any information either. I opened up an account with Fifth Third but they still won't return my money. So I closed the account with Fifth Third. Fifth Third told me to file a claim in court
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MN)

I am a victim of identity theft and I have never applied for or opened any checking or savings account with Wells Fargo Bank because I was XXXX from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2024-09-26
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-26
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. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX  - Account Number : XXXX - BALANCE {$19000.00}
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the Fair credit reporting act Account # XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XXXX XXXX, XXXX  I went to a citizens bank ATM at XXXX XXXX XXXX to withdraw {$500.00} to shop for XXXX XXXX XXXX  clothes and coats. The ATM did as if it was disbursing the money but it did not. That money was put for XXXX XXXX  clothing allowance from Department of Transitional Assistance ( DTA ). I have gone to multiple citizens banks multiple times they keep making go in circles. Even after bringing a XXXX Police Report everyone at the banks act like the Ctizens Bank ATM does not belong to them. One person at the bank gave me a number to call which is XXXX. XXXX told me they are not responsible for the cash they just do pick up and drop offs and that the bank should be able to tell me where my {$500.00} went.
Consumer complaint received 2024-09-19
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. (NJ)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 XXXX 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I was checking my XXXX credit report and suddenly saw a hard inquiry for a credit card I did not recognize. I am attaching the screenshot in my report. 

It is from XXXXXXXX XXXX 

I immediately froze my credit reports with all XXXX bureaus. I tried emailing with an address I found online, but my email is bounced back. 

I called the number listed on the credit report. The Customer service option said - 'if you see a pull on your credit report press XXXX '. I did and I was put on hold for XXXX mins before I gave up. I can not find any other phone number online, they made it incredibly hard for me to reach out to them. I am angry, upset and frustrated. I am rebuilding my credit after incredibly rough time in my life and I felt a pit in my stomach when my score went down again. Please help.
Consumer complaint received 2024-09-19
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (OH)

A required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report This omission denies me the opportunity to verity the accuracy of the debt they claim I owe 1 I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial at the dispute process deprives me of my rights to challenge any inaccuracies or discrepancies regarding te alleged debt 3. IQ DATA INTERNATIONAL INC. has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006,34 ( d ) and 15 USC 1681-S 2 ( 7KA ) I DATA INTERNATIONAL INC. is flagrantly disregarding consumer protection states. I demand that the Consumer Financial Protection Bureau investigate these egregious.
Consumer complaint received 2024-09-19
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. (FL)

Account is reported as a loss but has a balance and thats a violation of fcra guidelines the date last active are incorrect they are being reported differently the company reported as a loss but still shows a balance Experian is reporting as a charge off monthly XXXX is reporting as paid as agreed but they are reporting a charge of