davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive Reached out Several times to Transunion and XXXXWith supporting documents Certified Mailand no resultsI Six Bankruptcies showing on Both Credit Reports that are not Mine..everything is inaccurateand I would like for them to stop reporting that on my Credit Report.
Consumer complaint received 2023-12-08
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: Open Dealer Exchange, LLC (CA)

Subject : Deletion of Unauthorized Credit Inquiry 700CR/XXXX  XXXX I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Creditors Have Agreed To Remove Fraudulent/Unauthorized Inquiries : Factual Data - Inquiry date : XX/XX/XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX & XX/XX/XXXX XXXX Account : Creditor Has Agreed To Remove. 
XXXX XXXX - XXXX : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX This account along with the inquiries have been removed from my XXXX  XXXX XXXX  Report.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

Back in XX/XX/XXXX, I electronically deposited a check into my Ally account. Since I was overseas for a several months, my father in law sent a photo of the check to me. I submitted the photo of the check to Ally. 

Initially, Ally deposited the check, but a couple weeks later, they closed my account due to suspicion of fraud. They told me they were going to send the money ( {$1500.00} ) back to the IRS. 

I called the IRS a few months later in XX/XX/XXXX and they said they never received the money from Ally. 

I called IRS a few weeks apart from XX/XX/XXXX to XX/XX/XXXX to figure out next steps. They told me they were going to send me a claims package. Since it was very difficult to get through to the IRS, I decided to call Ally to get more information ( such as tracking number and date they supposedly sent back the money to the IRS ). This was for me to prevent any back and forth with the IRS. 

From XX/XX/XXXX to the present ( XX/XX/XXXX ), I called Ally sometimes days apart to figure out what was going on. I was told that the money was never sent back to the IRS. I was told they do not know where that money is. 

Each time I call Ally, Im told they will send it to their back office and will follow up with me when they have more details. Theres been a few times of them stating this and I have yet to gain any clarity. 

Please help.
Consumer complaint received 2023-12-13
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Consumer complaint received 2024-03-01
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: United Revenue Corporation (TX)

I saw these XXXX accounts on my credit report. I have never received any information on this debt. This collection agency in in violation of my XXXX rights because I never gave the original creditor permission to give my information to anyone. I also, asked them to send me the verification process for this debt with and the certified mail receipt with my signature.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NV)

Never open a XXXX credit card don't know anything about it identity theft. Identity theft leaks by major institutions have caused my information to be compromised delete from credit file. 

XX/XX/2023 date of opening XXXX
Consumer complaint received 2023-12-20
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. (AZ)

On XX/XX/23 I sent a certified letter to Experian on the removal of of hard inquires on my credit report in accordance to 15 U.S.C. 6802-6805 Gramm-Leach-Bliley Act ( GLBA ), as well as correcting my personal information. As of yet these corrections have not been made and is impacting my consumer credit.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

am writing to dispute an inaccurate entry on my XXXX credit report. There is an account listed under the name " LVNV Funding LLC '' that I do not recognize. I have never entered into any agreement with this company and have no knowledge of this purported debt. 
Therefore, I request that you immediately remove the LVNV Funding LLC account from my credit report. Please note that I am making this request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-12-30
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. (CA)

In XX/XX/XXXX I was made aware of the XXXX XXXX XXXX and was given compensation and free credit reports for the credit bureaus. I have not been able to acquire any free credit reports nor unable to to log into XXXX free service to dispute or follow up or my requests for removal. 

My consumer rights and privacy have been violated. 
I did not authorized these companies to pull my credit report. 
I want these removed immediately or I will sue for the lost time and headache dealing with this. I have attached an FTC XXXX. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: GOLDMAN SACHS BANK USA (WA)

XX/XX/XXXX I went to my online savings bank and noticed I was blocked access to my funds, I called them XXXX XXXX XXXX XXXX. This person told me that there was a security/identiy issue. I answered all their security questions : last XXXX of social security #, dob, secret password XXXX XXXX XXXX but to no avail. After more than a dozen calls I was told they would us mail me an affidavit of identity. Which I received, filled out had notarized and returned with phots of my XXXX XXXX XXXX XXXX, my XXXX XXXX, and my Police ID card. Today XX/XX/year> I have heard nothing from them and I am still Blocked from access to my account. I will call them XX/XX/year> again and inquire if they received the affidavit? contat me at XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

Loan account just opened at XX/XX/year> by someone stealing my information ( maybe ex-spouse ) and I didn't know about it. Until this month XXXX, I realized that my account credit decreased low only XXXX point. I checked XXXX and I filed depute with them that loan {$110.00} was not mine but it not resolved. That why I submit complaint with you. Please help me, thank you so much.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX, XXXX XXXX, XXXX. I submitted my written request for a payment histroy from XXXX. I never received this document. I received several invoices that did not include any record of payment. This is complaint is filed as an addendum to complaint XXXX filed XXXX. I have attached XXXX 's letter discussing their own policy regarding their credit bureau reporting during their hardship payment plan. I have also attached a copy of the company 's credit bureau reporting following that policy ( XXXX ). This document shows that someone in XXXX 's credit bureau XXXX department has intentionally retroactivley changed a positive reporting to a negative XX/XX/60 late reporting history which inaacurate This is malicious reporting to the credit bureaus by XXXX done so AFTER I filed my first complaint againt this company. My request is that XXXX be mandated to send my payment history and to remove any negative reporting by them from my credit bureau report
Consumer complaint received 2023-11-04
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

Dear XXXX XXXX XXXX NAVY FEDERAL, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from XXXX XXXX. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, XXXX XXXX, XXXX. I submitted my written request for a payment histroy from XXXX. I never received this document. I received several invoices that did not include any record of payment. 

This is complaint is filed as an addendum to complaint XXXX filed XXXX. 
I have attached XXXX XXXX letter discussing their own policy regarding their credit bureau reporting during their hardship payment plan. 
I have also attached a copy of the company 's credit bureau reporting following that policy ( XXXX ). This document shows that someone in XXXX XXXX credit bureau reporting department has intentionally retroactivley changed a positive reporting to a negative XX/XX/60 late reporting history which inaacurate This is malicious reporting to the credit bureaus by XXXX done so AFTER I filed my first complaint againt this company. 
My request is that XXXX be mandated to send my payment history and to remove any negative reporting by them from my credit bureau report
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (TN)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have to make sure I have the rights to privacy of my information, also that my private info is not given/shared with anyone or any private corporation, ( " 15 USC 6801 '' ) Which states that, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. ( 15 USC 1681 ) section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies ( XXXX and Experian ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked .15 USC 6802 ( b ) ( c ) states that '' A financial institution may not disclose non public personal information to an on affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non disclosure option. Never informed me of my right to exercise my non disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 dates report by more than seven years. " This account is an adverse item they are reporting without my permission at all, and against the law knowing it is. 15 U.S.Code 1681s 2 ( A ) ( 1 ) A states '' A persons hall 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 not correct. 15 U.S. Code 1681 estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title..XXXX and Experian Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.
Consumer complaint received 2023-11-04
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX, XXXX XXXX, XXXX. I submitted my written request for a payment histroy from XXXX. I never received this document. I received several invoices that did not include any record of payment. 

This is complaint is filed as an addendum to complaint XXXX filed XXXX. 
I have attached XXXX 's letter discussing their own policy regarding their credit bureau reporting during their hardship payment plan. 
I have also attached a copy of the company 's credit bureau reporting following that policy ( XXXX ). This document shows that someone in XXXX 's credit bureau reporting department has intentionally retroactivley changed a positive reporting to a negative XX/XX/year> late reporting history which inaacurate This is malicious reporting to the credit bureaus by XXXX done so AFTER I filed my first complaint againt this company. 
My request is that XXXX be mandated to send my payment history and to remove any negative reporting by them from my credit bureau report
Consumer complaint received 2023-11-04
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)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. looking over all of the data listed ive noticed all information is listed illegally an fraudulent information that has caused major delays on my credit report. please review an remove the listed items to help clear my credit report asap.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT WORLD SERVICES, INC. (KS)

I have no knowledge of this company and I have made many attempts to get this cleared up Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

in XX/XX/2023, XXXX XXXX XXXX issued a credit report type collection, date opened XX/XX/2023 in an amount of XXXX XXXX, original creditor ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
I tried to get mor information such a detailed report with no success. 
I field, 2 complains with Experian, submitting a court documents issuing a judgment in my favor against XXXX XXXX XXXX  XXXX, unfortunately the report has not changed. 
I don't know were this amount of money come from, and if they have any proof of it I am glad to see it. 
now my credit report is messed up, which I worked hard to maintain it as good as possible. 
I am a victim of a crime, retaliation and fraudulent report.