davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9700.00}
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (LA)

In accordance with the fair credit Reporting act XXXX Account XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 usc 1681 complete and accurate information Creditor reports that account is past due XXXX by two payment and its not the balance reflects XXXX when its XXXX also attach the account information I see upon my account with the payments
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$32000.00}, XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, XXXX XXXX XXXX XXXX Balance Owed : {$8800.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$3100.00}, XXXX XXXX XXXX XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, XXXX XXXX XXXX XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX US DEPT ED XXXX Balance Owed : {$7800.00}, XXXX XXXX XXXX XXXX Balance Owed : {$1500.00}
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PR)

I have tried to apply to different credit cards but they just get declined right away. But the problem it's not that they are declined, it's that they don't even verify if qualify or not. I don't even see on my credit report that I ever applied for a card. 

I already contacted XXXX XXXX and XXXX but they were unable to help. I don't even know what the problem.
Consumer complaint received 2024-05-08
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (VA)

I'm sending you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 

This is a list of things that don't belong to me or that weren't opened with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-05
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. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (IA)

I applied for a line of credit with Greensky Financing while my house was under construction through one of their vendors, a heating and cooling company named XXXX XXXX XXXX XXXX. I was told that I was approved for a line of credit from the office manager with Triple A, but no documentation was given. Before the work was completed XXXX XXXX wanted payment for services, and wanted to use the line of credit with Greensky. I told XXXX XXXX that I wasn't planning on using the line of credit to pay for their services, and had not received a final bill because the work was not complete. About a month and a half later I received an invoice in the mail from Greensky for {$14000.00}. I immediately contacted Greensky about the invoice, and was told that I had authorized a transaction for {$14000.00}. After several phone calls with a rep from Greensky I finally received a copy of my " signed '' authorization letter. This was the first time I had seen this document. I had not signed it, and it was forged. It was forged so badly that my name was misspelled. After telling Greensky this document had been forged I was told that XXXX XXXX was no longer a vendor with Greensky, but I was still liable for the {$14000.00} because I had voice authorized the transaction. I had never agreed to this, and the only thing that I had said was that I was aware that I had been approved.

I just became aware of the multiple cases of fraud against Greensky Financing that the Consumer Financial Protection Bureau brought against them.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

I received a payroll check for XXXX from my company ( their bank is XXXX ) which I deposited to my BMO personal account on XX/XX/23. XXXX paid them and everything was fine. But on XX/XX/23 BMO charged back my account saying that they did not find the account to cash the check. I called chase and have them conference call with BMO. XXXX told BMO that money has been given to them. BMO is saying that they do not find an account... .I spoke to XXXX in BMO on XX/XX/23 for more than an hour and she said she will call me back with more investigation. But I have not heard from her and I have been calling her every business day. I need help. BMO needs to give me my money asap.
Consumer complaint received 2024-07-15
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. (TX)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint against XXXX XXXX XXXX brief description of the issue ]. I have attempted to resolve this matter directly with XXXX XXXX but despite my efforts, the issue remains unresolved. Despite my efforts to address this matter with XXXX XXXX XXXX have not received a satisfactory resolution. I believe that their actions are in violation of consumer protection laws and regulations.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$5200.00}
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (NY)

XX/XX/XXXX I receive a letter in the mail stating that my account was charged I had asked why my account was changed they stated that card starting with the number XXXX stating the account has been charged too another account I was release from XXXX XX/XX/2016 when I had out of on XX/XX/2016 XXXXdirect express had asked me for some documents to give the them so I will receive my money so I send them a copy of release papers from XXXX  and a picture ID and a social security card and was able to unlock my card every since 2016 I been using my direct express card until they had changed my account right now I'm currently homeless I'm using my girlfriend address she the only one that helping me with this issue right now I can't not even used my direct express card and don't even any money too eat my name is XXXX XXXX XXXX XXXX called me at XXXX
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (CA)

I was never late on these account. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Balance : {$2000.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$820.00}, XXXX, XXXX. XXXX Date Open : XX/XX/XXXX Balance : {$240.00}XXXX XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$5000.00}, and XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Balance : {$5000.00}. Please update.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (UT)

A debt I owed was referred to this company. I have no record of them trying to contact me directly. They sent a server to my mom 's house and I had to call and wait on hold for hours to track down someone who could tell me what it was for. I was able to pay off the debt in full over the span of less than a week ( final payment XX/XX/07 - over one week ago ). I was told I would receive a paid in full letter within 24 hours. It has now been over a week and I have called again, sent an email, and am currently on hold to request again. 

This company uses very aggressive tactics and they already tried to serve me and take me to court once so I am understandably very concerned they're withholding this legal document. In Utah the law is they must provide the letter within 5 days. It has been 7 with no progress. 

Until I have that letter, I'm in a constant state of XXXX waiting for a server to show up, or my paycheck to be garnished because so far all this company has done is show they are extremely aggressive and can't keep their word.
Consumer complaint received 2024-07-15
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. (CA)

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Transunion and told them that this inquiries are fradulent and provided proof, even though they told me that this inquiries were verifed. Please dispute and remove this fradulent information 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
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2024-07-15
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. (NY)

I am writing to inform you that I have been a victim of identity theft and to request immediate action to rectify the situation. Recently, I discovered unauthorized activity on my credit report with your company. 
I did not authorized any of these transactions, and those info is being mixed up with someone else, therefore I request that you take the necessary steps to address this issue promptly, and please dispute the accounts. That were opened without my knowledge, authority or consent. Details of the unauthorized activity are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (GA)

When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.