davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (OR)

On XX/XX/2024 I received a notification on my phone regarding a pending charge that I did not make ( {$730.00} transaction from XXXX * XXXX on XX/XX/2024 at XXXX XXXX. ). I contacted Apple Card Support ( Goldman Sachs Bank ) that same day and told them I did not make the charge. The bank opened a dispute, cancelled my card number, and issued a new card number. 
The following week I received a box of low value items I did not order from XXXX XXXX. I immediately called them and was told there was a fraudulent account set up in my name and not to return the items. I appears that I am a victim of what is commonly known as a package redirection scam. I estimate the value of the items I received to be less than {$10.00}. I have no idea where the other {$700.00} plus dollars of value went. I have been told by XXXX twice that the charges were fraudulent however I was also told that they couldn't put that in writing or provide any written documentation due to Company policy. 
I have been through several dispute cycles with Goldman Sachs Bank. They did provide some documentation which showed order details that were not my phone number, email, and not even my name. They keep denying the dispute because something was delivered to my house and say that I need to provide evidence that items were shipped elsewhere. This is impossible because I DID NOT ORDER anything and XXXX won't provide me with any additional information. 
The most egregious aspect of this entire situation is that I contacted Goldman Sachs Bank on the same day the pending charge appeared in my account. They could have stopped the transaction at that time but chose to let the charge go through and then try to force me to pay for it. I should not be responsible for any of this because it was an unauthorized transaction.
Consumer complaint received 2024-06-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (IL)

I bought XXXX XXXX XXXX used XXXX through bridgecrest auto loan .they charged me heavy interest XXXX % .i wanted a car so I had to buy it do work .i was doing XXXX jobs that time coz my father was undergoing XXXX failure and so many health issue .as a son i worked had and taking care of my dad.unfortunately my dad couldnt make it XXXX XXXX XXXX year ago .these company repossessed my XXXX .i missed the payment.i accepted it. 
Now I am fighting back to get my life back .this monster company dont agreeing any terms
Consumer complaint received 2023-05-01
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. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original 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
Consumer complaint received 2023-05-01
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. (FL)

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : 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 2023-05-01
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)

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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$3.00}, XXXX ; XXXX XXXX Balance : {$440.00}.
Consumer complaint received 2023-04-12
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. (SC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX 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 Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX  XXXX Balance Owed : {$3500.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this Credit Union were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.
Consumer complaint received 2023-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account is with Bank of America. On XX/XX/, I received a wire transfer from a colleague of mine for {$100000.00}. For the next 3 days I was able to receive money from my account without any problem. On the morning of XX/XX/ I went into the XXXX XXXX and withdrew money from the account with no problem but that afternoon I went in to the XXXX branch to withdraw a far lesser amount and I was told that I could not get my money and to call a number. I called the number and I was told that my account was under review. Upon hearing this I was outraged but inspire of my protest and pleas for an explaination I was only told that they had the contractual right to hold my money for 3-5 days. It is now day 8 and BofA still has my money. They never provided for warning an explaination or a call. In spite of my continued efforts to call them, speaking to worthless supervisors, I have simply been told my account is under review. I was told by one of their staff to go to the remitting bank which I did on XX/XX/ and I had them call the bank and send emails for 2 hours along with the gentleman who wired the money. In spite of that and having BofA speak to the man who wired the money they have yet to release my funds. They have damaged my credit and credibility due to creditors and bills that can not be paid. I had planned an outing with my family but I could not due to the fact that I could not access my money. I want my money released immediately and the process changed.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

There are inaccurate addresses, spelling of my name and Chapter XXXX Bankruptcy reporting on my credit reports. After viewing my credit reports on XXXX XXXX and XXXX XXXX both are showing inaccurate reporting of Chapter Bankruptcy XXXX discharged. On XXXX XXXX it's showing the Bankruptcy XXXX discharged on Transunion and XXXX  and not XXXX. On XXXX XXXX it's showing on XXXX  and not Transunion ( attached ). 

So I contacted the couthouse in XXXX Mississippi listed on my XXXX  report because on XXXX has it listed as " Federal Court ''  this bankrupcty was dismissed, not discharged and is not reporting 100 % clear and accurate information FCRA 609 ( a ) ( 1 ). The Date of filing is inaccurate also. 

After more research I found that this was also a violation of all 3 companies to insure that grave responsibilities with fairness, impartiality, and a respect for my right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ). In the  case of XXXX Vs XXXX  " reasonable procedures should be carried out to assure maximum possible accuracy '' on my credit report 15 U.S.C. 1681e ( b ). 

And THE ELECTRONIC CODE OF FEDERAL REGULATIONS 660.4 Direct disputes. ( iv ) Information derived from public records, such as judgments, bankruptcies, liens, and other legal matters ( unless provided by a furnisher with an account or other relationship with me, the consumer ). I had no relationship with the courthouse or whatever company furnished this information. 

FDIC 600.1 Authority and purpose ( b ) The Fair Credit Reporting Act requires that Transunion, XXXX, and XXXX provide information to be fair and equitable towards me with regard to the confidentiality, accuracy, and proper use of any information reporting on my credit profile. 

And first-hand knowledge, which means XXXX, XXXX, and Transunion should have on file, if this Bankruptcy was accurately reporting, the actual petition of the bankruptcy, bearing my signature in BLUE INK according to FCRA 603 ( 2 ) Verification ( I ) made in connection with an application that was made by, or a transaction that was initiated by me, or in connection with a review of an account under section 604 ( a ) ( 3 ) ( F ) ( ii ) [ 1681b ]. 

FCRA 604 15 U.S.C. 1681b XXXX, Transunion and XXXX   maintains under my social security number ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order. Making this BANKRUPTCY FILING INCORRECT, INACCURATE AND UNVERIFIABLE.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc. (TN)

On XX/XX/year> ( Friday night ) I apply for a loan from the web called Upstart. I was approved for {$6000.00}. After reading the terms and conditions over the weekend, I decided I didn't need the money. The loan interest rate was too high {$5200.00} was deposited and If I do the 5 year plan. I would have paid back over {$11000.00}. Almost dollar for dollar. 
I called the company XX/XX/year> to cancel the loan and was told I couldn't because I had already signed the promissory note. After about XXXX weeks of going back and forth in emails and waiting for the portal to open where I can make the payment. I decided to return the funds that was deposited in my account along with some interests. I was given {$5200.00} and I returned {$5300.00}. They still wanted me to pay the originator fee that was deducted from the {$6000.00}. I owe them {$780.00}. I don't agree to this So, I contacted the BBB to help with this issue. After several exchange of emails nothing was resolved. The BBB gave me the numbers to the FTC and CFPB for further assistance. So here we are.
Consumer complaint received 2024-05-06
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-04-12
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXXXXXX
Consumer complaint received 2019-05-08
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. (IL)

These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to file a complaint regarding multiple instances of identity theft involving accounts fraudulently opened in my name with XXXX. These unauthorized accounts have caused significant distress and have negatively impacted my credit report. 

Recently, I reviewed my credit report and discovered several XXXX accounts that I did not recognize. These accounts were opened using an address and phone number that do not belong to me. I have never authorized these transactions and have no knowledge of these accounts. 

Upon discovering the fraudulent activity, I took the following steps to address the issue : XXXX. Contacted XXXX : I promptly contacted XXXX to inform them of the fraudulent accounts. I provided proof of my identity and detailed information about the unauthorized accounts. Despite my efforts, these accounts remain unresolved. 
XXXX. Filed a Police Report : I filed a report with my local police department to document the identity theft. The police report includes all relevant information about the fraudulent accounts and unauthorized activity. 
XXXX. Placed a Fraud Alert : I placed a fraud alert on my credit reports with Equifax, XXXX, and XXXX. This alert notifies potential creditors to take additional steps to verify my identity before opening new accounts. 
XXXX Credit Freeze : I froze my credit with all three major credit bureaus to prevent further unauthorized accounts from being opened in my name. 
XXXX. Filed a XXXX  Complaint : I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX, detailing the fraudulent activity and requesting their assistance in resolving this issue. 
XXXX. Gathered Documentation : I collected and attached all relevant documents and evidence to support my claim, including my police report, identity theft affidavit, and correspondence with XXXX. 

Despite taking these steps, the fraudulent accounts are still present on my credit report, causing ongoing financial and emotional distress. I am seeking immediate assistance from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and facilitate the removal of these unauthorized accounts from my credit report. 

I request the CFPB to take the necessary actions to ensure that these fraudulent XXXX accounts are removed and that my credit is restored. Additionally, I seek guidance on any further steps I should take to protect my identity and prevent such incidents in the future. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

For over a year now I have been fighting with Equifax about not being able to view my credit report or get a copy of it nor can any lenders view my Equifax credit report either. This has prevented me from getting loans and it is very frustrating! They keep telling me to send them a copy of my ss card dl and proof of address and I have done that on several occasions, and they keep saying they never get what I send them. I don't know what else to do and I think there is something going on with Equifax because there is no problem with XXXX or XXXX only Equifax. I would like a full investigation on this matter please and I am launching a full complaint against Equifax. This is not right and they know it!
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CA)

EXETER FINANCE LLC IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. XXXX FURTHER MORE YOU ARE REPORTING THE ACCOUNT AS CHARGED -OFF. THE IRS STATES ANY DEBT OVER {$600.00} THE CONSUMER MUST BE GIVEN A 1099-C WHICH I HAVE NOT RECEIVED MY 1099-C. FURTHERMORE IF THE DEBT WAS CHARGED OFF IT IS DEEMED AS INCOME. INCOME CAN NOT BE REPORTED ON A CONSUMERS REPORT. 

FURTHERMORE, THE ACCOUNT IS REPORTING A PLETHORA OF INACCURATE INFORMATION WHICH IS NOT IN METRO 2 COMPLIANCE AND DEVIATES FROM THE STANDARD OF METRO 2 COMPLIANCE, AND THERFORE MUST BE REMOVED FROM MY CONSUMER REPORT. 

IF YOU REFUSE TO REMOVE THE ACCOUNT WHICH IS DISPLAYING INACCURATE INFORMATION, REFUSE TO PROVIDE ME WITH MY 1099-C I WILL ESCALATE THIS MATTER FURTHER. THIS IS YOUR ONLY OPPORTUNITY TO REMOVE THIS ACCOUNT IMMEDIATELY.