davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-08-12
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-17
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. (AZ)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account number : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX Opportunity to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XXXX I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers nonpublic person information, they must give the consumer XXXX disclosures, so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my nonpublic personal information to a non-affiliated third-party company for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ). 
PURSUANT 15 USC 6802 ( B ) I XXXX, XXXX a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my nonpublic person information reported. 

When calling the above creditor, they clearly stated they could not find me in the system, and the accounts were established by another individual. I have also enclosed my information. 

XXXX XXXX ( All Rights Reserved )
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (TX)

This is very alarming. Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score and potentially endangering my identity and be used for fraud. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-09-17
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. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2024-09-17
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. (TX)

Ive tried contacting the company several times through mail and CFPB AND NOTHING GETS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND PUT THE SAME INCORRECT NUMBERS BACK ON MY CREDIT REPORT
Consumer complaint received 2024-08-12
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. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (FL)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX # XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.
Consumer complaint received 2023-11-18
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. (TX)

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 Number : XXXX has violated my rights. Or list of inquiries 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 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: Experian Information Solutions Inc. (NY)

XXXX INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNTS NEEDS TO BE VALIDATED XXXX XXXX XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX ACCOUNT  NUMBER:XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER ; XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG MVM REST XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT NEEDS TO BE VAILED XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX ACCOUNT NUMBER:XXXX  XXXX  XXXX ACCOUNT NUNBER:XXXX
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. (NY)

EQUIFAX INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNTS NEEDS TO BE VALIDATED XXXX XXXX XXXX ACCOUNT NUMBERXXXX0 XXXX XXXX XXXX ACCOUNT NUMBERXXXX XXXX XXXX  A ACCOUNT NUMBER ; XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-12
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. (IL)

I always pay my bills on time. I am confident about this. I don't understand why this company reports me as late some months. According to USC 1666b, any billing errors should be corrected and marked as paid on time.
Consumer complaint received 2024-08-12
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXXXXXX XXXX Balance : {$25.00}
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (OK)

The week of XX/XX/XXXX, I received an alert from XXXX stating : Between XXXX XXXX XXXX XXXX XXXX XXXX XXXX an inquiry made by XXXX XXXX was added to your credit report. However, I have not applied for a new line of credit, nor did I give any company consent to run my credit neither has my spouse.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

I am filing this complaint to US BANK for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. 
I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (VA)

On XX/XX/year> I went to XXXX and logged into the public wifi. 
Then I logged into Chime Mobile Bank app to see my funds and to pay for my meal I pay for my meal and continue to surf the Internet The next day XX/XX/year> I log into Chime Mobile Banking app and noticed that {$870.00} was missing from my account I went through my account and noticed a stranger Hacked my account over public wifi and sent himself {$870.00} of my money unauthorized. 

I immediately got on the phone with chime customer service to dispute the transaction On XX/XX/year> Chime denied my dispute even though I'm a victim of fraud and didn't authorize the transfer.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I submitted a balance transfer from my XXXX XXXX to my My BJs Perks Mastercard serviced by Comenitu Bank in the amount of {$6700.00}. As of today ( XX/XX/XXXX ) Cominety Bank claims they have not received the funds. I have contacted BJs XXXX everyday since XX/XX/XXXX. And they still claim to not have received the funds. I have contacted XXXX and filed a dispute for {$6700.00} for the balance transfer amount. XXXX issued a provisional credit to my account of {$6700.00} plus {$200.00} for the balance transfer fee. Upon XXXX 's investigation they found that Comenity Bank did receive the funds and reversed the credit they gave me. I Contacted Comenity Bank and they told me they disagree with XXXX and that they never received the funds. XXXX sent me a copy of the electronic check showing the transfer was made and the funds were received. I'm sure Comenity Bank received the funds and have not credited my account. I actually have been dismissed by both XXXX and Comenity Bank. I just contacted XXXX and requested that they open another dispute for the {$6700.00}.
Consumer complaint received 2024-11-02
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: Resurgent Capital Services L.P. (SC)

I have been involved in Several Data Breaches XXXX XXXX XXXX and several other and have found a lot of inaccurate information far as old addresses and reporting on all 3 credit bureaus. Please investigate.
Consumer complaint received 2024-10-30
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 (TX)

To Whom It May Concern : I paid a deposit in the amount of {$2700.00} on XX/XX/year>, to 'XXXX XXXX XXXX XXXX ' to move my personal belongings from XXXX XXXX Florida XXXX to XXXX XXXX Texas for a new job. 

XXXX XXXX XXXX XXXX XXXX turned out to be a fraudulent moving company. It is my understanding that XXXX XXXX XXXX XXXXXXXX is currently under investigation by the Department of Transportation ( DOT ) and the Florida Attorney General 's Office due their fraudulent actions that have significantly, and negatively, impacted numerous individuals. I have attached for reference correspondence I have received from the DOT and the Florida Attorney General 's Office. 

When XXXX XXXX XXXX XXXXXXXX showed up to move my belongings on XX/XX/year>, they demanded that I pay them several XXXX dollars more in cash than the amount per our contract. XXXX XXXX XXXX XXXXXXXX communicated that if we did not pay them this several XXXX dollars in cash ( that was not in our contract ) then they would leave and keep the deposit of {$2700.00}. 

As XXXX XXXX XXXX XXXX committed breach of contract and stole our deposit, I promptly called the Fraud number on the back of my 'General Motors by Goldman Sachs XXXX credit card to inform them of the fraudulent behavior committed by XXXXXXXX XXXX XXXX XXXXXXXX XXXX It is my understanding, based on my credit card agreement with my 'General Motors by Goldman Sachs XXXX credit card that they owe me a fiduciary duty to protect me from fraud. 

I am having significant difficulty removing this fraudulent charge on my Goldman Sachs credit card. Goldman Sachs has provided a link to upload evidence to remove this charge. However, the link does not work. Additionally, I have submitted evidence to Goldman Sachs in writing via USPS to remove this fraudulent charge, however, Goldman Sachs has not yet removed this fraudulent charge.

In addition to paying a deposit via my 'General Motors by Goldman Sachs XXXX credit card, I also paid a deposit with a XXXX credit card. XXXX has since resolved the dispute in my favor and removed the fraudulent charge from my statement. 

My concern is that Goldman Sachs is intentionally making it difficult for consumers to provide evidence to remove fraudulent transactions on their credit card statements. This is because the e-mail link provided by Goldman Sachs to upload evidence does not work. 

Additionally, based on reading the Consumer Financial Protection Bureau 's ( CFPB ) article entitled, 'CFPB Orders Apple and Goldman Sachs to Pay Over {$89.00} XXXX for Apple Card XXXX XXXX published on XX/XX/year>, it is my perspective that I am experiencing the same dispute challenges of other consumers related to Goldman Sachs XXXX broken dispute resolution process.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I have spoken to Mohela multiple times since XX/XX/XXXX. I was not provided the mandatory 21 day notification period for my loan payments to resume - I was notified on XX/XX/XXXX with my payment being processed on XX/XX/XXXX - see pictures attached. Therefore, other borrowers were placed on forbearance for XXXX, XXXX, and XXXX payments. 

I spoke to someone end of XX/XX/XXXX and was told that I would be refunded XXXX XXXX ( for XXXX, XXXX, XXXX ) totaling {$4200.00} within 10 business days - I was told it would be expedited to me. I then reached out on XX/XX/XXXX and have copies of these messages stating that the request for the refund has been received and to allow 60 business days. This was in XX/XX/XXXX, it is now XXXX. 

I called again several times without luck. In XX/XX/XXXX I called again and Mohela has record of my request " being expedited '' but can not provide me with any further information.
Consumer complaint received 2024-08-12
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. (CT)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.