davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-09-03
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. (CA)

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, 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 XXXX  days since I filed a complaint with these XXXX, 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 2024-09-03
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)

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2024-09-27
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. (FL)

I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am demanding immediate action to address and remove them. 

Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have filed an identity theft report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Consumer complaint received 2024-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (DE)

My issue involves : XXXX XXXX, AmeriHome and XXXX XXXX in XXXX I have refinanced to XXXX XXXX from Amerihome During the refi process I was informed of multiple scenarios regarding my Escrow Refund. 

During the Refinance process my loan was sold to XXXX  XXXX  - I was told today by XXXX that my taxes were delinquent resulting in no refund. 

When signing my closing documents I was promised an escrow refund over XXXX. My issue now appears to be that my taxes weren't paid properly and I am not sure where the remainder of my funds went.
Consumer complaint received 2024-09-04
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-28
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should now be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (MI)

There was nothing stipulated about them determining the eligibility of overdraft. Then denied me usage of overdraft. I contacted them and was told that they will allow and it didnt work. Contacted them ang and was denied for no reason but their own discretion! There was nothing stated that they can do that in the agreement I read previous to opening the account! I think that is wrong to make customer believe that they offer something without any concern or denial. Then say they have the right to deny me.
Consumer complaint received 2023-06-06
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. (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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and 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 an 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Re : Urgent Dispute with XXXX XXXX To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with XXXX XXXX regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX  for XXXX and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX correct this injustice immediately. I demand that XXXX XXXX takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect XXXX XXXX  to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX PLUS Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX  XXXX, CA XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX Also Known As : XXXX, XXXX, XXXX Name : XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2024-09-01
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)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-10-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NY)

i am a victim of id theft. i have no knowledge of Amsher collection se ( XXXX ) or XXXX XXXX XXXX Can you please remove these items from my account as soon as possible. thank you
Consumer complaint received 2024-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Carvana Group, LLC (CA)

I found a fraudulent credit inquiry in my name for Carvana on XX/XX/XXXX. I have tried contacting them through phone and their online chat service, none were able to assist and they could not find the inquiry despite it showing on my credit reports. No auto loan has shown on my credit history, but I want to ensure if a loan was taken out on a vehicle and a vehicle was purchased, that it is closed because of this fraudulent activity.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the following inaccurate information contained in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). Upon reviewing my credit report, I found inaccurate information that is both incomplete under the standards set by the FCRA. Additionally, the account ( s ) in question are not reported in accordance with Metro 2 guidelines, which are essential to maintaining accuracy and compliance across all credit reporting agencies. 
# # # Disputed Information : - *Creditor Name : '' ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : '' XXXX BALANCE : {$520000.00} - *Nature of Dispute : ** incorrect payment history. 
inaccurate balance and Non-Compliant The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information '' they include in a credit report. The disputed information mentioned above does not meet the standard of " maximum possible accuracy. '' Furthermore, please ensure that the creditor in question complies with 15 U.S.C. 1681s-2 ( b ), which obligates them to report accurate information to the credit reporting agencies and correct any error i found.
Consumer complaint received 2024-09-04
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. (MD)

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 2024-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AR)

*Consumer Complaint : Misconduct, Rudeness, and Inappropriate Action by XXXX XXXX XXXX XXXX XXXX of Complaint : * I am writing to express my extreme dissatisfaction and outrage with the misconduct, rudeness, and inappropriate action taken by Marcus by Goldman Sachs regarding XXXX XXXX account. Despite my efforts to cooperate, Marcus has unjustly frozen my account, denied me access to my funds, and left me with significant financial hardships. 

*Background : * On XX/XX/year>, Marcus XXXX my account citing the need to verify my XXXX banking account. I attempted to facilitate a three-way call with XXXX bank XXXX but their policies prohibited participation. Marcus then requested a bank statement from XXXX, which I provided and delivered on 3 days ago. However, when I called Marcus this morning, the representative was extremely rude, arrogant, and condescending. Without justification, she locked me out of my account, denying me access to my credit and savings funds. 

*Issues : * XXXX. Unjust account freeze without sufficient verification. 
XXXX. Rude and unprofessional customer service. 
XXXX. Unwarranted account lockout, denying access to funds. 
XXXX. Failure to provide timely resolution or alternative solutions. 
XXXX. Resulting financial hardships : late fees, disconnection fees, and inability to purchase essential necessities like food.
Consumer complaint received 2024-09-04
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. (MD)

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 XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  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 2024-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (VA)

PayPal sent me an email on XX/XX/scrub>XXXX XXXX XXXX  stating that my account had been permanently frozen. They cited a violation of their Acceptable Use Policy ( XXXX XXXX XXXX ) as the cause, but would not tell me what clause they claim I broke. After reviewing all of my transactions through them, none of them were breaking any of their terms. 

They are presently holding {$65.00} USD and XXXX XXXX in my account and refusing to let me access it. 

I attempted to find a number to call. Their site tries to force you to talk to an AI and not a human representative. I should note that PayPal does not appear outwardly to allow you to appeal their bans, I had to do independent research and read customer testimonies to find a way to attempt a dispute to this. 

The AI intentionally tries to mislead you by saying that their representatives will tell you the same thing it tells you ( that the account is closed and there's nothing I can do about it ), but if pressed multiple times and asked to talk to a representative, it will eventually claim that it has submitted a ticket by sending you a text. I received a text on XX/XX/XXXX saying " PayPal : We're working on connecting you with an agent who can assist you with your account. Thanks for your patience! '' I was not contacted again. 

The AI also provides an email to submit an appeal ( XXXX ), which, I submitted to on XX/XX/XXXX. I was not emailed back. 

I eventually found a customer support number to call ( which was made intentionally hard to find by the company 's website and help center layout ). After I called the number on it, I spoke to someone in a call center in XXXX who reviewed the account and told me they have no additional information other than what I could tell myself. I asked them to submit an appeal and they claimed to have done so, and that I would hear back in XXXX business days. I have no heard back from them, either. 

I want my money back. This is ridiculous that they are holding my funds without allowing me to withdraw them. 

I was further banned from the XXXX app on XX/XX/XXXX under similar circumstances. As XXXX owns XXXX, I am including this as part of the same report. XXXX also declined to tell me why my account was frozen, but given their ownership by XXXX I can only assume XXXX refusing me service is the reason why XXXX has, too. There are no funds presently in my XXXX account as I transfer what I make from their to my bank. 

I reached out to XXXX via email and asked for an appeal, and they declined me without explanation on XX/XX/XXXX. They have cited health and safety as the reason why, but refuse to elaborate. There are no transactions in my XXXX history that violate their policies, either.