davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TN)

The account in question is from a collection agency listed on my credit report as LVNV FUNDING Original Creditor XXXX XXXX XXXX XXXX  Amount XXXX I have repeatedly disputed this information. This account is not mine... I keep getting emails threatening for the company to take legal action on an account that is not mine.
Consumer complaint received 2024-04-18
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)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-09
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-10
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. (KY)

XXXX XXXXDispute of Late Payment on Closed AccountI am writing to dispute the late payment reported on my credit report for the following account_- Account NameXXXX Account Number_ XXXX Original Creditor_ XXXX- Date of Alleged Late Payment_ XXXX XXXXThis account was closed and paid in full on [ Date ]. I request that you remove the late payment from my credit report, as it is no longer accurate or relevant.Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.I have attached documentation supporting my claim, including_- Proof of payment and account closure- Copy of credit report highlighting disputed informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter.Sincerely,
Consumer complaint received 2023-05-03
Product: Credit card or prepaid 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 (AZ)

Ive had disputes with my current landlord, XXXX XXXX XXXX, XXXX XXXX XXXX owned company. The employees verbally assaulted me on multiple occasions and forge documents. The employees are also slandering and defaming my reputation. I have witnessed many acts of fraudulent activities and have informed the FBI, FTC, XXXX  and other government agencies. The merchant name appears as XXXX XXXX XXXX on my Apple Card. Ive informed the customer service representatives but I dont think they understand or know how to resolve the issue. Ive also informed HUD of the discrimination and verbal assaults/stalking. Ive also filed multiple police reports. The disputes with this landlord is related to another complaint regarding the disputes with my XXXX XXXX XXXX. 


Ive also had some disputes involving my XXXX trips. For whatever reason, my room keeps getting broken into when I leave and my articles of clothing go missing. Furthermore, the employees at the reception desk appear to be running some sort of scam/fraud. The keys to my room appear to mysteriously stop working and the hotels refuse to provide me with a digital card. Ive called the different hotel customer service lines but often times, they are not able to help. Ive also had issues with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive filed complaints regarding the XXXX XXXXXXXX  and XXXX with the airlines, XXXX and flyers rights agencies. 

Lastly, I had some disputes involving a previous doctor that I was seeing that performed XXXX XXXX and also XXXX  me. I dont think she even has a medical license in this state as my insurance company and state XXXX insurance had problems with her paperwork. I have filed a complaint with the Arizona XXXX XXXX.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION (TX)

Dear Consumer Financial Protection Bureau, I am writing to request immediate assistance in resolving an issue with Alliant Credit Union. In XXXX, I elected for distribution of funds from my XXXX retirement account, which was held by XXXX XXXX, in the amount of {$100000.00} ( Pretax ), {$75000.00} of which was supposed to go to my savings account and {$25000.00} to my XXXX IRA. However, Alliant Credit Union has deposited the {$75000.00} into my XXXX IRA and {$25000.00} into my savings account. 

I want to inform you that XXXX XXXX, whom I elected the distribution from, has tried to contact Alliant IRA Division multiple times but they have not had any luck either. They have informed me they are ready to handle the correction as soon as they can get in contact with an individual at Alliant. However, I have made multiple attempts to contact Alliant for which i've been placed on hold for 30+ minutes at a time and then disconnected. This lack of communication and inability to resolve this issue is unacceptable. 

This error is not my fault and I expect it to be corrected immediately. I understand that there may be penalties for withdrawing funds from my Roth IRA account, but in this case, it is not my mistake and I should not be held responsible for any penalties. I have not made the transfer myself, as any penalties from withdrawal of the funds aside from 10 % tax withholding is not acceptable as this is not my mistake. 

I would greatly appreciate any assistance you can provide in resolving this issue. I have tried multiple times to reach out to the bank but with no luck. I expect prompt attention to this matter and a resolution as soon as possible. 

Sincerely, XXXX XXXX XXXX : XXXX Phone : XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-04-18
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. (AL)

To : XXXX XXXX XXXX, agents, representatives, & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g and 15 USC 1681 ( e ) B. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX I have requested a XXXX form showing cancellation of debt that I have not received. This company also shared my personal information with a third party repossession company without my consent which is illegal according to 15 USC 1681a-2. According to NMLS Consumer Access, this company is not licensed to collect debt in my state or state of residence.
Consumer complaint received 2024-04-18
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. (PA)

I recently checked my credit report and seen a fraudulent account on my report from XXXX XXXX I reached out to Experian to remove this account and they have not or sent validly of this so called debt
Consumer complaint received 2018-04-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I was approve to start the refinance process onXX/XX/XXXX. Today on XX/XX/XXXX they notify me that the property is no longer FHA approved and they can not proceed. There was a lack of communication throughout the process. They should have inquired in the beginning of the process rather than towards the end. I've asked them to review my phone conversations and to review lack of transparency from the staff.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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 am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have tried to get my free annual credit report from TransUnion and always have issue and the system says is no possible. For now it will be the second year in a row that I can get my credit report from them and they can explain why so I lost the chance of having it because the system says there is a problem but doesn't explain what problem and marks the report with a green mark as if I have received the report already which is not right.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation (CA)

Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorization. One Main Financial, XXXX XXXX, XXXX XXXX are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized and promises of no reporting were made verbally over the phone for One Main Financial. I do not have recollection of who the other two companies are that are reporting : XXXX XXXX  and XXXX XXXX are reporting on XXXX during/after the FTC reported XXXX breach .
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: AMERICAN EXPRESS COMPANY (TX)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MN)

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 2024-04-17
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

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 2023-09-22
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. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX  XXXX : {$330.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$470.00} ; XXXX XXXX XXXX XXXX  Balance : {$570.00} ; XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2024-04-17
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)

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. 

These accounts have violated my rights ; Validate Account XXXX XXXXT XXXX XXXX Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX 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 2024-04-17
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. (GA)

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 has violated my rights. Or a list of inquiries : 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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX Amount Paid : XXXX Payment date : XX/XX/2023 I called XXXX XXXX advised when I paid the account this will be deleted off my account. The information has not been deleted on the credit reporting bureaus.
Consumer complaint received 2024-04-17
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. (OH)

I am writing to formally dispute an unknown account that is inaccurately appearing on my credit report. Despite previous attempts to resolve this matter and requests for investigation under the Fair Credit Reporting Act ( FCRA ), the account remains on my report, constituting a violation of my rights under federal law.