davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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. (MA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY RESOURCES, INCORPORATED (SC)

Our mortgage is with Equity Resources , Inc. In XX/XX/XXXX, I contacted them as our tax bill was incorrect due to a delayed filing for the homestead tax exemption which was lost and corrected. I told them not to pay the {$7100.00} as that was incorrect and the corrected amount was the original {$1800.00}. Equity Resources , Inc paid the {$7100.00} anyway to XXXX XXXX XXXX. The tax refund was returned to Equity Resources on XX/XX/XXXX. I contacted Equity Resources on XX/XX/XXXX, as I discovered an escrow analysis for XXXX online with the analysis of our tax bill at {$7100.00} vs {$1800.00}. In addition, our tax bill for XXXX will be lower as we applied for elder over 65 tax exemption for my husband and I am legally XXXX. I have the email correspondence attached. Equity Resources , Inc. stated on their email dated XX/XX/XXXX, our account is scheduled to complete an annual analysis in XX/XX/XXXX. This did not occur, and we received a payment change on XX/XX/XXXX, of {$3600.00} vs our XXXX payment of {$2500.00}. We can not afford this payment and it is not the correct amount we owe as the tax monies were refunded. We do not owe a tax bill of {$7100.00} and Equity Resources , Inc is fully aware of this fact. This is not an amount we qualified for and places us in jeopardy of making our mortgage payments.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (CT)

As a consumer I have a right to privacy and I have the right to opt out from getting my non-pubic persona information shared with non-affiliated third parties. When taking a loan from any financial insitiution, they must inform consumers of their rights. Under the XXXX XXXX XXXX XXXX, I have the right to opt out from getting my non-public personal information shared with non-affiliated third parties. XXXX, XXXX and XXXX are not affiliated with my financial instituiton that issued me the loan, XXXX Department XXXX XXXX Aidvantage. 

My rights have been violated by not providing me with the right to opt out from getting my personal non-public information shared.
Consumer complaint received 2024-04-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I never received any communication from the debt collector in writing regarding the debt and the ability to dispute it. I seen it on my credit report which Is how I found out it was sent to a creditor. I sent certified written request to the creditor to verify the debt also to provide proof of receipts and estimates sent to them by my old apts to prove there were damages to the property and if there were damages the cost and estimates were of good faith and from at least XXXX professional companies. I also included in writing that the rent charge was incorrect and the old XXXX XXXX my move out date wrong they have XX/XX/23 but its really XX/XX/23 and I leased a storage on XX/XX/23 I provided them with the storage unit reciept. I have got no response. I have sent XXXX certified written request.
Consumer complaint received 2024-07-29
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: Larry H. Miller Group of Companies (MO)

These Hard Inquiries were pulled on my credit report without my consent. 
XXXX XXXX XXXX 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 2023-10-09
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma (CA)

In XXXX of 2024 I filed my tax return through XXXX e-filing services, XXXX of the ways they offered for you to revive your refund was opening an account with Kredit Carma I'd never had a Kredit Carma account so I picked this option. Somrtime in XXXX of 2024 my return was issued to me on this account this is when I decided I didn't want the account any longer after having a bunch of issues with the account I was able to pull all my funds off the account and I no longer wanted to deal with Kredit Carma account at all. Well unknown to me there was another refund amount credited to the account sometime in late XXXX or early XXXX by the time I was made aware of this it was already to late someone had gotten a hold of the card and used the money that was sent to it.I notified Kredit Carma and they opened a dispute claim for the funds I also made a police report with the local law enforcement agency in regards to the claim. Although I provided Kredit Carma with sufficient evidence and a document of the filed police report they still denied my claim for reasons I'm unaware of.
Consumer complaint received 2024-04-09
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. (PA)

To whom this may concern my name is Lenora Cartagena, and I I'm the one generating this report. The accounts listed in this report should not be
reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S2. I have identified the inaccuracies in which need immediate correction and attention per FCRA guidelines. I request a thorough investigation into
these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Notice to all, I, am that I am, the consumer in fact natural person, original creditor, lender, executor, administrator, holder in due coarse for any and all derivatives thereof the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will XX/XX/1983 XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth In Lending Act is intended to secure and inform the use of credit results from an awareness of the cost thereof by consumers. It is the purpose of The Truth In Lending Act to assure meaningful disclosure of credit terms so that I, the consumer will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me as the consumer against inaccurate and unfair credit billing and credit card practices. My right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy wont be violated again due to my lack consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish and losses due to me being a victim of identity theft, so be it, and ; The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A COLLECTION AGENCY is in violation of 15 usc 1692b ( 5 ) Thank you, XXXX XXXX
Consumer complaint received 2024-04-05
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. (NC)

XXXX XXXX XXXX XXXX informed me the XXXX XXXX there XXXX department that this would be taking care of and I would not have to worry about this fraud account and then came back a put it on my report for no reason also said I made payments with checking account I dont even have XXXX also they change the information from the balance to the account being current when they already closed the account they are doing this in bad faith.Im requesting this be removed immediately thank you for your help
Consumer complaint received 2024-04-09
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-08-31
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-04-09
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. Inquiries that are in fact unknown/unauthorized and shall be DELETED IMMEDIATELY ARE LISTED BELOW : XXXX XXXX  - Date of inquiry : XX/XX/year>
Consumer complaint received 2024-04-09
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. (NJ)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2023-12-26
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. (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 USC 1681. 

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 2023-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

This XXXX bank is being run by XXXX XXXX XXXX 

They reversed an ACH transaction initiated from an external bank without any rhyme or reason and that days after it was completed. I know the person that will respond to this complaint will flat out lie about this, so I am letting you know that I have a 2.5 hour recorded call where a supervisor XXXX and XXXX who both admitted that this transaction should not have been reversed. In fact, I had another transfer of XXXX from the same bank and done on the same day that these XXXX  didnt even bother to touch. 

This is just the beginning of the XXXX and lies told by these XXXX. That supervisor filed 2 complaints for me and told me that some one would reach out to me within 5 to 10 business days. Both those complaints went into a black hole and non one contacted me. 
XXXX Complaint against XXXX XXXX XXXX who wont even tell me the reason for the reversal, just kept asking me to try again like an XXXX  - XXXX XXXX Case for Reimburse XXXX After patiently waiting for weeks, I called again and was told that both these cases were closed and they dont know why and by whom. 
I asked XXXX to open another case - XXXX Then I get a XXXX  voice mail from someone called XXXX on XXXX asking me to call their customer service. And then this cycle of XXXX starts again. Their supervisor XXXX now comes up with another lie out of thin air that the account that was transferred from was not " verified ''. That is a flat out lie as I had multiple transactions with the same bank and same account in the past. And in the previous call on XXXX both XXXX and XXXX had confirmed that this account was already full verified and this ACH should not have been reversed. But like usual with XXXX, they will keep repeating the same lies till the customer gives up in frustration. Like this wasnt bad enough, this supervisor XXXX then just proceeds to disconnect the call. 

To the person who is responding to this complaint, I have fully read the account agreement, it doesnt allow you to reverse XXXX transactions for your own incompetence. And before you even try to say that this was for my security, I will advise you that I have a recorded call where 2 of your agents confirmed that this account was already fully verified and admitted that this transaction should not have been reversed. On top of that, I had proactively called your bank 2 days before the transfer to inform you that I have initiated these 2 transfers from my external bank. And if that isnt enough for you, XXXX allowed a XXXX transaction from the same bank, account date and time. So you dont have a leg to stand on. If you lie about anything related to this complaint, I will drag you into arbitration.
Consumer complaint received 2024-04-09
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)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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. 

Listed below are the Personal Information that are being challenged Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Incorrect Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  | XX/XX/XXXX
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act and XXXX  Account # : XXXX, XXXX # : XXXX, XXXX XXXX XXXX  # : XXXX XXXX XXXX # XXXX and 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 an account without my written instructions
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX  keeps calling me, every day nonstop. They call me more than XXXX times a day from multiple phone numbers. I blocked the numbers and they call me in private. I told them I am not employed and I have a child. I cant pay my debt at the moment. Theyve been calling me repeatedly for more than XXXX months already.
Consumer complaint received 2023-09-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WLCC (MN)

I received an emailed unsolicited loan decline from an organization called Explore Credit. Because of my already low XXXX XXXX, I have not applied for loans since XX/XX/XXXX. Until today ( XX/XX/XXXX ) I had never heard of Explore Credit nor applied for one of their loans through a third-party or otherwise.
Consumer complaint received 2024-04-09
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. (NJ)

Formal Dispute Regarding Late Payment Verification [ XX/XX/XXXX ] Experian XXXX XXXX Dear Sir/Madam , CFO ECT I am writing to formally dispute the accuracy of the late payment entry on my credit report, which has been verified by your bureau. The late payment in question appears on [ XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ] and is associated with the account [ XXXX XXXX XXXX Account # XXXX ]. Despite my previous attempts to dispute this entry, it has been reaffirmed by your investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request detailed information regarding the method used to validate and verify the accuracy of this late payment. Specifically, I would like to receive : 1. Documentation illustrating the process followed to validate the accuracy of the reported late payment. 
2. Any correspondence exchanged with the creditor regarding the validation of this late payment. 
3. Any evidence provided by the creditor to substantiate the claim of the late payment. 
4. Details of the individual ( s ) responsible for conducting the investigation and verifying the accuracy of the late payment. 

I emphasize the importance of transparency and adherence to regulatory standards in resolving this matter. As a consumer, it is my right to receive comprehensive information regarding the validation process conducted by your bureau. 

I urge you to conduct a thorough review of this dispute and provide the requested information within the time frame stipulated by the FCRA. FAILURE to provide sufficient evidence to validate the accuracy of the late payment may result in the REMOVAL of this entry from my credit report. 

Please consider this letter as a formal request for investigation and provide a written response within 30 days, as required by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. I look forward to receiving the requested documentation and a favorable resolution to this issue. 

Sincerely, XXXX XXXX XXXX