davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: KEYCORP (CA)

A representative from Keyword bank said that I could withdraw my profits by way of an ATM card. 

They required a fee which was sent. However, they stated that it would be another XXXX dollars and this past XXXX, there was another XXXX dollars added. 

I asked the SEC if Keyword bank was legit and they said that it was not a registered bank.
Consumer complaint received 2024-05-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I Demand the immediate removal of inaccurate information from my consumer report, specifically concerning the account linked to XXXX XXXX with the account number XXXX, reported by your agency. 

First and foremost, I want to emphasize that I have never lived in XXXX, and I have no associates or connections to this address whatsoever. I am a lifelong resident of XXXX and have no affiliations with XXXX. I am CLEARLY A VICTIM OF IDENTITY THEFT As You Learned In Previous disputes Therefore, any reporting related to the XXXX XXXX address in XXXX is entirely inaccurate and should not be associated with my credit report in any way. 

It is concerning that Experian has reported this information without proper verification, which violates my rights as a consumer. I have repeatedly requested proof and validation of this information, as required by law, yet Experian has failed to provide the necessary documentation. YOU HAVE VIOLATED MY RIGHTS PER 15 U.S. Code 1692f. Unfair practices 1692g. Validation of debts 1692e - False or misleading representations
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In XXXX of 2024, my identity was stolen. 

The individual canceled my USAA credit card and debit card and ordered new cards to be delivered to an address in XXXX,XX/XX/XXXX. When I realized it, I called USAA and told them about the identity theft and canceled those cards and ordered new cards to be delivered to me at my home in XXXX A week or so later, I received the new cards. After I received the new cards, the individual canceled those cards and ordered new cards to be delivered to XXXX again. When I noticed, I once again called USAA, told them the individual still had my identity and canceled that delivery and ordered new cards to my home in GA again. 

After a month of going back and forth with USAA and getting the cards delivered to my correct address and changing all of my passwords and usernames, I checked my credit report because I'm trying to buy a new home. It turns out the individual applied for a new credit card with USAA on XX/XX/year>, and was denied. And they applied for another card or loan with XXXX XXXX XXXX XXXX XX/XX/year>. XXXX won't tell me what they applied for. 

The problem I have is that it's now on my credit report as a derogatory action and it wasn't even me! And it's hurting m y credit preventing me from being able to buy a house.
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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (DC)

I have a savings account with Marcus by Goldman Sachs. I initiated an escrow wire transfer on Friday, XX/XX/year> at XXXX. At that time, the agent told me that it would take XXXX business days for the wire to go through. Because I was scheduled to close on a home the next business day ( Monday, XX/XX/year> ), I asked if the request could be expedited. The agent put in an expedited request and said the funds should make it by Monday. 

On Monday, I called XXXX back and tried to receive an update on the funds. While trying to reach an agent, I was disconnected several times. When I finally reached someone, they said that they needed to verify information with my escrow agent. I connected them to the escrow agent, who verified the reuqested information. When I asked for the timing of when the wire would go through, they could not give me a specified time. I called back and asked again, they said the escrow information needed to be verified again. I again connected them with my escrow agent and then they said the information was already verified. 

I finally got another person on the line who said there was a hold on the wire and it would not go through until XX/XX/year>. This is XXXX business days after I initiated the request. This resulted in significant disruption to my closing. 

Further, when I tried to cancel the wire, they said they could not cancel the wire. Therefore, I do not have access to the funds being transferred ( which total {$180000.00} ), while they are in limbo. It is unacceptable for me to not be able to access these funds for longer than a week period.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (AL)

I have made uncountable complaints with XXXX XXXX XXXXXXXX XXXX, filed disputes with credit reporting agencies, and to no avail have anything been corrected. I have provided documentation and still no proper investigation or correction to all major credit reporting agencies. XXXXXXXX XXXX XXXX XXXXXXXX explained how my account was reported in error as being 60 days late, and the payment for XXXX is not due yet, and it is reported as late 30 days too. I am really disappointed with the lack of assistance and XXXX XXXX taking accountability for their errors in reporting my account late 60 days. I have never been over 10-15 days late since the account was open. This problem didnt occur until my account was transferred to this company and they are refusing to update reports with all credit reporting agencies and the credit reporting agencies are not investigating as should be to request proper data to validate the false reporting.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : XXXX for XXXX and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to request your urgent intervention in the matter of persistent inaccuracies in my credit reports as maintained by XXXX, Experian, and XXXX. Despite multiple disputes and the submission of sufficient documentary evidence confirming the discharge of my student loans under the XXXX XXXX XXXX program ( XXXX XXXX XXXX XXXX ), these agencies have failed to update their records accurately. This ongoing issue is detrimentally affecting my credit score and my ability to access financial products. 

Detailed Account Information and Dispute History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts were XXXX due to recognized deceptive practices by XXXX XXXX and this discharge is supported by formal letters from XXXX XXXX XXXX, acknowledging the forgiven status of these loans. 

Enclosures : Discharge letters from XXXX XXXX XXXX. 
Copies of all disputes submitted to XXXX, Experian, and XXXX. 

I request the CFPB 's immediate review and intervention to ensure that these discrepancies are corrected in accordance with federal regulations. Your assistance in this matter is crucial and greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
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. (CA)

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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

2. Revolving Accounts Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards. 
2.1 XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$230.00} Account Status CHARGE_OFF Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX {$230.00} XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$31.00} {$48.00} XXXX XXXX Actual Payment XXXX XXXX | XXXX XXXX, XXXX Review this summary for a quick view of key information contained in your XXXXXXXX XXXX XXXX 
Report Date XXXX XXXX, XXXX Credit File Status No fraud indicator on file Alert Contacts 0 Records Found Average Account Age 3 Years, 1 Month Length of Credit History 6 Years, 2 Months Accounts with Negative Information 10 Oldest Account XXXX XXXX ( Opened XX/XX/XXXX ) Most Recent Account XXXX ( Opened XX/XX/XXXX ) Credit Accounts Your credit report includes information about activity on your credit accounts that may affect your credit score and rating. 
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment Revolving XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Mortgage Installment XXXX XXXX Other XXXX XXXX Total XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Other Items Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating. 
Consumer Statements XXXX Statements Found Personal Information 5 Items Found Inquiries 37 Inquiries Found Most Recent Inquiry TRUSTED ID/XXXX  XX/XX/XXXX Public Records 0 Records Found Collections 0 Collections Found XXXX XXXX XXXX XXXX XXXX, XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (VA)

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 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There are inaccuracies among several of the accounts, collections, and installment companies listed on my reports. Per the FCRA 15 USC 1681, this inaccurate reporting and is affecting my reports. XX/XX/XXXX I sent a letter to the responsible consumer reporting agencies, but no action was taken. The following accounts have inaccuracies ranging from contact information, open date, update days, account types, last payments, loan terms etc
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. (FL)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-05-06
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 am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-06
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)

In accordance with the the FCRA XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer report in agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may NOT treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I've learned that the creditor didn't provide the necessary XXXX-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.