davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (MO)

On XX/XX/year>, I received a statement in the mail for two savings accounts that had been fraudulently opened in my name through Marcus by Goldman Sachs. I immediately called Marcus on XX/XX/year>, to request the closure of those two accounts, and they were successfully closed without issue. 

However, on XX/XX/year>, I received seven additional letters from Marcus, reminding me to fund newly opened accounts, which I had never authorized. I called Marcus again on the same day to request the closure of these accounts, but this time, they refused to close them. Additionally, they declined to provide any information about how many total accounts had been opened in my name. 

Marcus representatives informed me that I would need to mail a letter requesting the account closures. In 2024, it is unreasonable to require a physical letter for such a critical matter, especially given the urgency of fraud. I believe these accounts should be closed immediately, and I should be provided full transparency regarding how many accounts were opened under my name.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (CT)

I received a letter from Marcus by Goldman Sachs informing me that they were enclosing my account statement. The statement listed an account number and said there was a balance of {$1.00}. I have never opened an account with this bank. I called the bank and they connected me to their fraud department. They told me they would send me information if requested ; however, I must first file an FTC complaint and a complaint with the police. I went to the FTC website but was redirected here because of the nature of the complaint.
Consumer complaint received 2024-10-28
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
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. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

A letter of dispute has been initiated on XX/XX/2022 with dispute report number XXXX, to remove personal information that is inaccurate on my credit report. 
According to the Fair Credit Report Act 12 USC 1681. I have a right to privacy. Also, according to 15 USC 6802, No financial Institute is supposed to share my personal information with a third-party entity. 
These are clear violations of my federally protected consumer rights list. 
XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CO)

I lived at XXXX XXXX run by XXXX XXXX in XXXXXXXX XXXX I experienced financial harassment from the moment I signed the lease, from threats to raise rents, to charging me for a requested door lock to be added, to not informing of the insurance policy when a leak happened in my unit. I obtained my own insurance after that incident of not being given proper documentation on the insurance that bought through them. 

I have several communication with their XXXX XXXXXXXX that was released from the unit without penalty. I cleaned the unit throughout and left it in better condition, I turned off my electrical that was billed in my name. I was there all of XXXX month. I paid XXXX $ total as part of a deposit and was supposed on a month concession. They locked me out of the ledger and never sent a bill. Instead they sent the bill to collections XX/XX/XXXX. I moved out XX/XX/XXXX. Their debt XXXX emails only go to spam. They only received my email today XX/XX/year> as of XXXX. I sent them information and they only opted me to take them to court.
Consumer complaint received 2024-10-28
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. (VA)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-28
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. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC (LA)

Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a Natural Disaster Hurricane Francine. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$11000.00}, but the vehicle has been sold and the account has been written off. The balance should be {$0.00}. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to to inaccuracy and potential fraud.
Consumer complaint received 2024-10-28
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. (PA)

Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by me.
Consumer complaint received 2024-10-28
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

My ID was stolen, and accounts were opened for an out of state utility company : XXXX XXXX. 

An adverse account charge off in the amount of {$590.00} was listed on my Experian credit report. 

I disputed the reporting on XX/XX/year>. It was denied by Experian. 
I disputed the reporting on XX/XX/year>. It is currently pending. 

I attempted to place an an Extended Fraud Alert on XX/XX/year>. I was told by XXXX of the Fraud Dept. that my FTC Identity theft report was defective for purposes of placing an Extended Fraud Alert. 

I asked how to fix the defect, and was told that it was Experian 's policy that they could not tell me why the FTC identity theft report was defective. 

It is unreasonable for Experian to deny placing an Extended Fraud Alert, or any other service for that matter, citing an allegedly defective document, while simultaneously keeping the reason the documents are defective a secret. This does not allow me to address the alleged deficiencies.
Consumer complaint received 2024-10-28
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)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (GA)

I am a XXXX % XXXX veteran from the XXXX war. We purchased our home in XXXX, GA in XX/XX/XXXX. The original lender was Guaranteed Rate mortgage. In that same month ( XX/XX/XXXXXXXX  ), I filed for Homestead Tax exemption with my county, XXXX XXXX Georgia. The Homestead Tax exemption was approved ; however, I would have to wait until the next tax year started and appraisals were out ( XX/XX/XXXX ). I received my Homestead Exemption from XXXX XXXX tax assessor 's office on XX/XX/XXXX. I promptly faxed/emailed/and mailed Selene Finance Company a copy of this letter so that it would be applied to my mortgage and escrow account. After waiting until XX/XX/XXXX, I contacted Selene Finance to see if they have received my documents. They stated that they did not receive any documents. I then sent the documents again to Selene and they said they have all that they need to process this Homestead Exemption. XX/XX/XXXX, I contacted Selene Finance LP once again to see the status of my Homestead Exemption, as it was not reflecting on my mortgage statement. They stated that they needed to wait until " The taxes were released in XXXX for XXXX XXXX ''. I called my county tax assessor and county tax commissioners office this day, they stated that this information is false ; ALL TAX INFORMATION for XXXX had already been released -- hence the Homestead Exemption approval letter that I had received. I have spoken to supervisors, repeatedly from the Tax department, and also the Escrow department. They have no explanation as to why my Homestead Exemption has NOT been processed, they also have NO explanation as to why my mortgage is now {$1000.00} more a month. I can not afford to pay this mortgage on my income.
Consumer complaint received 2024-10-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (NY)

I previously lived in XXXX XXXX XXXX in XXXX California with my daughter. We moved out on or about XX/XX/XXXX. We had the apartment professionally cleaned and paid all monies due. Nothing was owed on the apartment. Years later in XXXX, my daughter notified me the Kimball Tirey & St. John LLP had placed a collection on our credit reports. She contacted them numerous times and was told the collection was placed because some COVID law for rentals expired in California. She informed them that the COVID law doesn't apply to us because everything owed was paid in full. My daughter provided proof of XXXX balance and copies of payments made. The collection agency still refused to remove the collection.
Consumer complaint received 2024-10-28
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. (VA)

I am writing to formally notify you that I have been a victim of a data breach, and fraudulent accounts and inquiries have been made using my personal information. I am requesting immediate action to block and permanently delete all accounts and inquiries that were created or accessed without my consent, in accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

Below is a detailed list of the fraudulent accounts that must be blocked and deleted from my credit file : Fraudulent Accounts : Chapter XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$00.00} DEPTEDXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATION/XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

You are on my credit, reporting that I owe you some type of money. I've never done business with you. How do I have an account with you on my credit report. I have not received any notice pertaining this allege debt I am unwilling to pay this debt. I am not wanting validation
Consumer complaint received 2024-10-28
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. (FL)

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 2024-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NC)

You are on my credit, reporting that I owe you some type of money. I've never done business with you. How do I have an account with you on my credit report. I have not received any notice pertaining this allege debt I am unwilling to pay this debt. I am not wanting validation
Consumer complaint received 2024-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the XXXX and XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person I noticed a new inquiry this morning from XXXX XXXX its no XXXX XXXX accounts Under The Doctrine of Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists The Fair Credit Reporting Act ( FCRA ) in the United States XXXX gives consumers the right to dispute and remove inaccurate inquiries from their credit reports : 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 


I will upload my inquiries picture then my account pictures