davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with 15 U.S.C 1681c-2, it is mandated that a consumer reporting agency promptly block the reporting of any information in a consumers file that the consumer has identified as originating from an alleged identity theft incident, with a requirement for action within 4 business days upon receipt of such identification.

However, I must express my concern that despite the statutory requirement, it has now been 30 days since I brought this matter to your attention. This extended delay constitutes a clear violation of the law, especially considering my status as a victim of identity theft. I kindly request the immediate removal of these disputed items from my consumer report, as their continued presence is in direct contradiction to the law.

Moreover, I would like to draw your attention to 15 U.S.C 1681b, which delineates the permissible purposes for consumer report furnishing. Subsection ( a ) ( 2 ) stipulates that a consumer reporting agency may provide a consumer report only in accordance with the written instructions of the consumer to whom it pertains. It is essential to underscore that I have never provided any written consent or instruction to any consumer reporting agency to report the items in question in my consumer report. This situation is a direct violation of my rights as a federally protected consumer. 

I wish to emphasize that the absence of consent amounts to identity theft, a matter of significant concern ( My FTC Report XXXX : XXXX ). Therefore, as a consumer, I firmly demand the immediate deletion of the accounts and inquiries question from my consumer report to rectify this violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

I just received a paper about a judgement in the mail, I did not get a court notice but when I looked online this card is over 4 years old, its almost 5 years old so I should have never even been taken to court cause its illegal in the state of PA to sue somebody over a debt thats 4 years olXXXX. Also, this credit card which would be Lowes or Walmart was never even used by me. Also, I get a paper in the mail every few days, it needs to stop.
Consumer complaint received 2023-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (TX)

Newrez mortgage is sending me default notification because I am 1.5 payments behind. I applied for the XXXX relief in XXXX and didnt hear back until end of XXXX saying resource no longer available. The woman assigned to me doesnt call or calls weeks later.I CAN MAKE THE PAYMENTS but I need help getting caught up. 

They will only push late payments to end of loans is if minimum 3 payments. This doesnt make sense,
Consumer complaint received 2023-08-29
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. (FL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received an offer from a the lender XXXX XXXX XXXX which is signed and returned. The requested a survey on the property after I was told I would not need one so I did find someone to do that last minute and I paid for that. They also wanted an appraisal as well which I believed I would not need either. After the survey was completed I sent the information over then I was notified via email that because of a felony theft on my record I was not able to receive the loan after all. I do not have a record at all and I requested the case information and asked where they obtained the information. XXXX XXXX stated they use the website XXXX and that I had several charges on my record and I needed to prove it was not me. I looked up the case number online and matched the record to someone else with a different name. The name is similar however does not match my name when cross referencing the XXXX number to other cases which clearly indicate the other persons name. I emailed copies of the case reports with matching XXXX numbers and dates with the cases. I offered my marriage license which proves that was not my name durning most of those years she was incarcerated. I also sent my old passport and despite my efforts the company stated the information is tied to my social security number and so they denied my application. I contacted XXXX and they stated that the information is not certified and is not to be used for loan purposes and the client must cross reference for accuracy since the algorithm sometimes gets it wrong. I also offered my recent FBI background check directly from the FBI website which checks all XXXX states and the company refused to take that report as certified proof. I am asking for compensation for all that I have lost as far as time, money and future income from XXXX for providing false information and from XXXX XXXX XXXX for not following up and cross referencing the non certified information.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, 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)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (MD)

Harris and Harris LTD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Re : Debt Validation Request and Cease and Desist Notice for Account No : [ Your Account Number ] Ticket Numbers : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) To Whom It May Concern, I am writing to dispute the validity of a debt that your company, Harris and Harris LTD, claims I owe to the XXXX XXXX XXXX XXXX in the amount of {$840.00}, with the ticket numbers specified above. I received your debt validation letter on XX/XX/XXXX, and I am hereby requesting detailed information to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under sections 809 and 811. 

I dispute the aforementioned debts for the following reasons : 1. Lack of Documentation : I request that you provide the original documentation pertaining to this debt, including but not limited to the original agreement, contract, or instrument bearing my signature and clearly showing that I am indeed the party responsible for this debt. Please include all terms and conditions related to these alleged debts. 

2. Proof of Assignment : Additionally, I request that you provide documentation proving that this debt was legally assigned or transferred to Harris and Harris LTD. This documentation should include a complete chain of ownership, demonstrating the legal transfer of the debt from the original creditor to your agency. 

3. Verification of Dates and Amounts : I seek verification of the dates and amounts associated with each ticket number mentioned in your letter. Please provide detailed records that substantiate the validity of these claims. 

If you can not provide the requested documentation within 30 days from the date of this letter, I request that you cease and desist any collection activities related to this debt, as it will be considered inaccurate and not properly validated under the FCRA. This includes ceasing all communication with me, my family, my associates, or my employer regarding this alleged debt. 

I also remind you of your obligation under the FCRA to promptly investigate and respond to disputes and to report the results of your investigation to credit reporting agencies. Any failure to do so may result in legal action being taken against your company. 

Please ensure that all communication regarding this matter is sent to my address as specified below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX I am taking this dispute and cease and desist request seriously and expect that Harris and Harris LTD will comply with all applicable laws and regulations in providing the requested information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX  # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2024 I submitted for a Hardship Withdraw through the Merrill by Bank of America website. On both the website and the inbound IVR, I was to be contacted if any additional information was needed. I checked the web portal multiple times with no update. I then logged in on XX/XX/2024 to see that the request was denied. There was no advisement as to why, and I was made to call into the call center. I spoke with a Supervisor named XXXX, who was combative, demeaning, and dehumanizing on the call. She advised at first that the document was " incomplete ''. Then when challenged, she stated that they did not " see the landlord information ''. When challenged again, she then stated, " well, there is no phone number ''. 

I then pointed out that it was a Court Document, and that it could not be altered in any manner. I even offered to give the information directly to help expedite the process. She ( XXXX XXXX declined to receive the information. I was repeatedly denied for this claim until XX/XX/2024, when Merrill took a document that was subpar as supporting documents. I was then told I would have to wait for 10 business days for a check that I am being charged to have overnighted. As the funds were needed to stave off Eviction processes, I am now facing homelessness due to the neglect and wrongful processing of the Hardship Claim.
Consumer complaint received 2023-08-29
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. (NY)

My credit report is still showing late payments on XXXX XXXX & XXXXXXXX XXXX XXXXXXXX despite the multiple letters sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (AZ)

I had to leave an XXXX because of safety concerns, XXXX refused to refund me, I then called us bank to dispute it. They gave me provisional credit and claimed to have sent me a letter for additional information, but they did not, and then also took away the provisional credit. I had left the airbnb and contacted them right away to tell them about the safety concerns i had. XXXX refused to refund me even though i had to leave because it was not safe for me to be there. The total if the XXXX  i got charged was {$2800.00}. I contacted XXXX and US bank both trying to work this out.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-22
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)

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 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

I have a Goldman Sachs Apple credit card. Even though this is an Apple branded card, it is part of the XXXX network making this a standard credit card and is therefore bound by standard and customary rules and regulations for a credit card product. This would include how transactions are posted to the account and how information is reported to the three credit bureaus. However, Goldman Sachs is treating Apple transactions on this card as a " loan '' product and reporting transactions to the credit bureaus as a credit card transaction, which they shouldn't be doing. Loans are regulated differently than credit card purchases. 

This is how they are doing it. Say your credit limit is {$2000.00}. As an Apple Card holder, Apple allows you to make a purchase and pay over time. It's a benefit of the card. You agree to pay a specific amount each month. Apple also offers a " loan '' option via XXXXXXXX XXXX for the same monthly payment, further differentiating these two options as different products not alternatives to one another. The Apple Card is a credit card product and the XXXX XXXX option a loan product. 

Now say you make a {$1000.00} purchase with Apple and choose to take advantage of the card benefit and pay over time. Your monthly payment plan on the Apple Card is say {$50.00} but the product you purchased was say {$1000.00}. Goldman Sachs will take {$1000.00} out of your available credit of {$2000.00} and then your {$50.00} will go towards that {$1000.00} not the card itself, making this a loan within a credit card. Goldman Sachs will then report to the credit bureaus in a confusing and misleading way. They will report as if it's a credit card transaction, but they are treating the purchase as a loan. When it reports to the credit bureaus it will report with a " balance '' on the card of {$1000.00} and your available credit is {$1000.00}. This then reports as a 50 % credit utilization rate which damages your credit score. Under FCRA you can not report one product as another product, that violates FCRA regulations. Apple and Goldman Sachs claim, well you as a consumer agreed to their terms and conditions therefore, they can do whatever accounting maneuvering they want and this some how gives them a " pass '' from abiding by any corporate accounting and banking regulatory laws. Laws and regulations always supersede any terms and conditions a business may try to use.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX  XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Consumer complaint received 2023-08-29
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)

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 an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX