davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX I am writing to formally dispute and request enforcement of my legal rights regarding certain accounts on my credit report. The inaccuracies and unverified information on my credit report have had a profound and distressing impact on my life. I am seeking your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

I am deeply concerned about the violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of these inaccuracies. Specifically, the following accounts have been reported inaccurately : 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 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  : Account number XXXX XXXX  The inaccuracies in these accounts have led to significant distress and frustration in my life. For example, [ share your personal story here about how the inaccurate credit reporting affected your ability to secure a loan, rent an apartment, or pursue a major life goal ]. These difficulties have taken an emotional toll on me, impacting my mental well-being and causing undue stress during already challenging times. 

Given the apparent violations of FCRA, I humbly request your intervention to enforce my legal rights. I kindly ask that the Consumer Financial Protection Bureau work to ensure that these unverified and inaccurate accounts are promptly removed from my credit report. This will not only alleviate my emotional distress but also restore my ability to pursue my life goals without the unjust burden of inaccurate credit reporting. 

I have taken all necessary steps to address these issues directly with the credit reporting agencies and the respective creditors involved, but I have not yet achieved a satisfactory resolution. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

Thank you for your attention to this important matter. I appreciate your commitment to ensuring fair and accurate credit reporting, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (NY)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2023-08-16
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)

The following accounts are inacurate and are in clear violation of my privacy. 
This is embarrassing and damaging to my reputation as a consumer. 
As a Consumer I demand the following accounts to be DELETED from my credit report immediately. 
I DID NOT give any written instructions to have any of these accounts on my consumer report. 
As a consumer I have a right to privacy and they are in violation of my rights.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WY)

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fcra 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.these accounts ( 1 ) XXXX : account # XXXX ( 2 ) XXXX XXXX XXXX XXXX : account # XXXX ( XXXX ) XXXXXXXX XXXX XXXX  : account # XXXX ( XXXX ) XXXX : account # XXXX ( XXXX ) XXXX : account # XXXXXXXX XXXX XXXX XXXX account # XXXX are not complete and accurate. And one more thing according to15usc 1681s-2 a person shall not furnished any information relatting to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 usc1681 602 the accounts violatingvmy right to privacy and confidentiality.and according to15usc16811eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates.15usc1681 ( a ) ( 5 ) section states no consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which date the report more than 7years.ive been battling XXXX XXXX  XXXX for the last3 years and all of the accounts are inaccurate and obsolete.plesse investigate and help me delete all the negative inaccurate accounts listed above.respectfully
Consumer complaint received 2023-07-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

My Marcus saving account was locked on XX/XX/2023 when I tried to transfer money from Marcus to my XXXX account under my name. I have been using the Marcus saving for XXXX months and have made several transfers to Marcus saving. I have a total of XXXX in the saving account. It is not my responsibility to verify one of my financial institutions- when I link the XXXX account to Marcus or when I transfer money in Marcus, they should have verified my identity. 

I tried to contact Marcus multiple times during the past one month but until today, I still didn't receive the identify verification letter which is the first step to unlock my account. 

I made my first phone call to Marcus on XX/XX/2023. They refused to tell me why my account is locked. 

On XX/XX/2023, I called Marcus, they refused to tell me why my account is locked. They said they would send the affidavit of identity ( the letter to verify my identity ) will be sent out in 5 business days. 

On XX/XX/2023, I called again, they said the affidavit of identity is pending approval, which may take 1-3 business days. 

On XX/XX/2023, I called one more time, after letting me wait for 56 minutes in total, they said the letter is waiting the approval of support team, which will take 5 more business days. 

Today is XX/XX/2023, I still didn't receive the letter to prove my identity. Marcus said they still need 3 more business days to send me the identity verification letter. 

This is just the very first step to unlock my account, which already takes XXXX month. I want to unlock my account ASAP, get my money back, and close the Marcus account permanently because of the experiences above. I've attached all my contact records with Marcus.
Consumer complaint received 2023-08-15
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. (TX)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-08-16
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. (GA)

At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, XXXX, XXXX, Experian, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on Experian and XXXX as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from XXXX stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I, XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies. '' It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX, Transunion, and XXXX reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law ''.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (CA)

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file To all 3 credit bureaus. As i was a victim of identity theft. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA as well. 

Creditor : 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
Consumer complaint received 2023-05-13
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. (TX)

Inquiries are on my credit report that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc. (LA)

I have mailed & faxed 2 separate requests ; one for validation/verification and one for a demand for proof to substantiate the claim made by Southern Credit Recovery . I am in receipt of Southern Credit Recovery 's letter informing me that they are handling the " collection '' of the account # XXXX for {$1500.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Southern Credit Recovery & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Southern Credit Recovery 's claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Southern Credit Recovery continues to report this fraudulent ( on Southern Credit Recovery 's behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in XXXX XXXX XXXX 's letter, this is a " medical account ''. Therefore, this is a violation of my XXXX.
Consumer complaint received 2021-09-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Claim submitted on XX/XX/2021 Bank of American for {$84.00} in purchases made through my credit card after I had lost it. I reported the charges as soon as I found out and blocked my card. They sent me a new card and gave me credit for the unauthorized which was later reversed. I have called them multiple times after the credit reversal to get more information and they assured me that they'd review the charges and reinvestigate. However, I haven't heard back from them.
Consumer complaint received 2023-06-22
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: NAVY FEDERAL CREDIT UNION (PR)

Subject : XXXX XXXX and XXXX XXXX  Dispute XX/XX/2023 Navy Federal Response XX/XX/2023 : Thank you for using Navy Federal 's eMessaging service. Your documentation has been received and reviewed. To move forward with your claim, we will need a credit acknowledgment or cancellation request. If you have any questions, please contact us at XXXX. 


Your Message XX/XX/2023 : I dispute ALL charges in XX/XX/2023 by XXXX XXXX XXXX XXXX XXXX ) XXXX  ( ~ {$1200.00} + ~ {$290.00} ) for the reasons previously given and supply proof of attempted contact and billing from the XXXX XXXX XXXX which is next door to the XXXX for XXXX XXXX XX/XX/2023. 

In addition, I dispute the ~ {$1400.00} made by XXXX XXXX XXXX  as the space they attempted to rent to me was not suitable for my XXXX XXXX XXXX or any vehicle larger than a compact car File Attachments File Type XXXX XXXX ( XXXX XXXX  ) File Type XXXX XXXX ( XXXX XXXX  ) File Type XXXX XXXX ( XXXX XXXX  ) NFCU RESPONSE : This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab.
Consumer complaint received 2023-05-04
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. (PA)

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, EMPLOYERS : XXXX XXXX ( NO JOB OF MI ) XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX ADDRESS # XXXX XXXX XXXX XXXX PA. XXXX- THIS IS NOT MY ADRESS ADDRESS # XXXX XXXX XXXX XXXX  XXXX PA XXXX THIS IS NOT MY ADDRESS EMPLOYERS : XXXX XXXX ( NO JOB OF MINE ) EVER 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 information is inaccurate.
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

My loan was recently purchased by XXXX XXXX, who uses shellpoint mortgage as its servicing company. I have made several calls and sent dozens of emails in attempt to make payments and rectify an incorrect payment amount as well as reconcile a payment that way made to the prior servicer. Additionally, they have incorrect payment information compared to my original closing documentation and amortization schedule. I've asked for clarification on this point as well and nobody will return my call or provide me with information I've requesed. They are currently threatening foreclosure at this point and I don't know what to do.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$24000.00}