davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon review of my recent personal credit report, there are UNAUTHORIZED hard credit inquiries that DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the filed complaints by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . 

XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX on XX/XX/year>XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX XXXX XXXXXXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year>
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (NY)

i cant receive payment through zelle XXXX keeps blocking zelle payment coming into my account with a device security triggered issue error message i contacted varo support team and they are unable to resolve or fix or override this problem coming from zelle and i cant receive payment on zelle and customer support is refusing to help and fix this payment returned issue i even spoke with a name harsh from the varo support chat and he refused to lift and fix the security issue coming from zelle and i been using the same device the whole time
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am here today as a human being living man, i did not give these person ( s ) permission to put anything on my report especially with permissible purposes. This is identity theft from XXXX XXXX XXXX. I have reached on several times to all 3 CRAs on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Experian, XXXX, XXXX, and XXXX XXXX XXXX. I Have documentation and a FTC report attached.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary XXXX 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.
Consumer complaint received 2024-04-23
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. (GA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-14
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. (AZ)

As per the guidance from Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002 142 ( b ) ( 4 ) -5-1002 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. see attachments
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (KS)

According to my research about FCRA 605, Equifax and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XX/XX/2021 ; XXXXXX/XX/2021.
Consumer complaint received 2024-04-23
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. (TN)

I'm resending my dispute letter since I didn't get the full resolution to my concern. Again, I can still see information were not authorized by me, I am a victim of Identity Theft and this information is inaccurate.
Consumer complaint received 2024-08-28
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: GOLDMAN SACHS BANK USA (TX)

On XX/XX/year> at XXXX AM I scheduled an In Office massage for XXXX PM for the same day and paid a deposit for {$77.00} with XXXX XXXX of XXXX XXXX. I booked and paid for the service using the third-party app ( XXXX ) which showed availability for the time slot. Please see attachment receipt_1 which shows the deposit I paid of {$77.00}. Please see attachment XXXX which shows that I had booked an In Office massage. Please see attachment XXXX which shows that the appointment was pending. On XX/XX/year> at XXXX XXXX  I texted XXXX XXXX to confirm the appointment time. I did not hear a response. I arrived to the XXXX XXXX massage location for the XXXX XXXX  massage. The sign on the door said XXXX XXXX XXXX, which has the same address as the receipt for the massage. The door was locked and I left the location at XXXX XXXX. At XXXX XXXX  XXXX left a voicemail stating that he received my text and appointment request but he recently moved out of that location and he can only do mobile visits so he can not accept my appointment. I did not book a mobile visit massage so I texted XXXX requesting a refund for the deposit. He did not respond and did not offer a refund for the deposit. Please see attachment XXXX which shows my texts to XXXX. Please see attachment XXXX  which shows the voicemail transcript from XXXX. Please see attachment XXXX which shows the front door of the office location with timestamp of XXXX XXXX  on XX/XX/year> at the top of the picture. Please see attachment XXXX which shows the google maps address matches the address on the appointment receipt email. Please see XXXX which shows the google maps address matches the address on the appointment email.
Consumer complaint received 2024-04-23
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-23
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. (VA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-28
Product: Credit card — Store credit 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: GOLDMAN SACHS BANK USA (CA)

This is the most frustrating company I have ever dealt with... 
Apple Card is run by Goldman Sachs Bank USA. 
No matter how many times I call or write, they continue to bill me. They can not tell me what goods or services the charges are for, or who is the company charging me. 

I filed a complaint with you several months ago. You wrote to them. They told you, Oh we already credited XXXX XXXX. Yet I can find no credit! And now they are trying to do this again. There way things stand, they owe me {$190.00} and {$95.00}. 

Why did you believe them? Did they show you proof in writing that they issued a credit to me? Did they tell you who the merchant is? When I called today, they said we do not show you in our system, either by email address or telephone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I consider their actions to be harassment.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (FL)

XX/XX/XXXX someone called my credit card company changed all of my information to theirs, therefore I get a notification from the credit card company that I have updated all of my information, I then attempt to log into my account and see what's going on and I am now locked out. I called the credit card company tell them what's going on that someone has changed my information and is now trying to pay the bill through my debit card which is linked to that credit card for payments and they are slowly wiping my bank account out after asking for a larger credit limit, they then asked me to verify the address that's on file and since I can not because it has been stolen and changed therefore they will not allow me to close my account they keep telling me to email a copy of my driver 's license so I can verify who I am I email requested document 27 times just for them to tell me that they don't have it. I have done nothing but fight this situation trying to prove who I am and it is like there's no common sense with the credit card company that the account had been in Florida since the creation of it and then all the sudden within hours I'm in Tennessee it makes no sense, I told them multiple times someone had changed my information and is now using my card I spoke with seven different reps and ended up in tears at the end of each conversation because no one would help me, to this day I have no idea if they closed my account or if someone else is continuously spending on it. I then just had to get in touch with my bank and had them block this merchant from any future attempts from my debit account, this is been one of the biggest nightmares in my life
Consumer complaint received 2024-04-23
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. (MI)

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 2 out of 3 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. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
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. (TX)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

After several failed attempts to have the remaining incorrect address removed from my credit report with Experian, made 1 final attempt yesterday, XX/XX/XXXX, via Experian 's online dispute center. In less than 6 hours email notification was received informing dispute results were ready. NOTHING was done & my report remains exactly the same, still listing the duplicate/incorrect address despite already having my 1 and only correct address listed. 

Over the last 4 years the issues encountered with Experian have been ongoing & continue to do so today. Some inquiries/requests submitted even remain unanswered to date. In fact, I was forced to give up thanks to making NO progress at no fault of my own.

The tremendous efforts made to correct and repair my credit & credit file, require significant dedication & time away from my employment, yet remain unrecognized and/or rewarded with my credit file & status showing NO improvement. Meanwhile the credit bureaus & reporting agencies continue to do, literally, whatever it is that they please facing no consequence ( s ) nor held accountable. Despite my best efforts I continue to suffer.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (IL)

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX  ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm.

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report.

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights.

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2023-05-22
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. (MS)

I submitted a complaint last XX/XX/2023 the companies responded. Some got deleted but there are still fraudulent items on my credit report that's why I submitted a complaint last XX/XX/2023 and XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

2 credit cards were opened in my name with out my knowledge and capital one deemed them fraudulent. These 2 cards were paid using my bank account and paid capital one using XXXX of my money fraudulently as capitalol one has said. This past year I've turned in bank statements, police reports, unauthorized transactions, notarized statements, and now a hold harmless letter. It's complete chaos at Capitol one. Every time you call it's someone new and they don't know what the person before told you. I never thought I could provide a company everything they asked for and they can see the payments were taken from my personal account and still not return my money. I have an appointment with the attorney general on XX/XX/XXXX but they said I had to follow up one more time before she filed a complaint against capital one. Never in my life did I think a huge corporation would fight a XXXX XXXX  over {$27000.00}.
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (NC)

We had a door-to-door salesman who worked for Aqua Finance come around 2 years ago advertising their water treatment equipment. We had Aqua Community water as our water supplier. The presentation of how the system works seemed to work well and so we were interested. The salesman then told us that by applying that day for the loan to get the system installed, that we would receive 3 months of deferred payments, with no interest being accrued during those 3 months. We were also presented with the terms of 9.9 % APR with nowhere on the paper mentioning that as any kind of promotional purchase and was made to think by the paper and by the salesman 's words that this is the APR for the life of the loan. The loan also included redemption vouchers for a soaps/cleaning supply delivery program. Recently, I called to ask my balance and was surprised to find that the balance had barely decreased. I was told by the person on the phone that the interest rate was a promotion that ended, to which I replied I was not aware this was the case. It also apparently was not the case that case that there was no interest accrued during the 3 months of deferred payments. I have since also found out that there is an FTC action against Aqua Finance for the exact things I have been experiencing. In the information about the action, it also states that there is something about a lean against the water treatment system that makes it difficult to sale your home, which I am currently trying to do. This is another thing that that was not made known by the salesman. I also submitted XXXX of the vouchers for XXXX of the shipments of the soap/cleaning products that were supposed to be included, but I never received the order. I would like to submit this claim against Aqua Finance and request to be refunded and have the debt forgiven as is laid out in the FTC action against Aqua Finance.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the following information, which I have listed as the XXXX items in addition to a copy of My Identity Theft report, Consumer Financial Protection Bureau report ( s ), and evidence to improve my situation, I request that these items be removed : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX