davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple letters via certified mail and also sent a dispute on the XXXX website to delete someone else address from my credit report. I sent a letter advising that according to : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Under the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting me my rights violates 15 USC 1681 and all its subsections. 

XXXX is reporting inaccurate information on my credit report, and I have requested multiple times to remove someone else 's address from my credit report. They continue to say that the address is correct, which I tell them is not. I know that XXXX is only going off systems codes to verify information and not looking at their XXXX XXXX database to confirm if any information is accurate on my consumer report. I request that Experian remove XXXX XXXX XXXX, XXXX, TX XXXX, from my credit report!
Consumer complaint received 2023-10-16
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)

I have sent multiple letters via certified mail and also sent a dispute on the Experian website to delete someone else address from my credit report. I sent a letter advising that according to : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Under the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting me my rights violates 15 USC 1681 and all its subsections. 

Experian is reporting inaccurate information on my credit report, and I have requested multiple times to remove someone else 's address from my credit report. They continue to say that the address is correct, which I tell them is not. I know that Experian is only going off systems codes to verify information and not looking at their XXXX XXXX database to confirm if any information is accurate on my consumer report. I request that Experian remove XXXX XXXX XXXX, XXXX, TX XXXX, from my credit report!
Consumer complaint received 2023-10-16
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. (GA)

I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 
See below : -- TRANSUNION -- XXXXXXXX XXXX XXXXXXXX XX/XX/2023 -- XXXX -- XXXX XXXX - XX/XX/2023
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

There have been several transactions made on my account this is the 2nd time that this has happened I reach out in regards to the transaction that occurred in XXXX via XXXX I I dont not send money to people on XXXX I strictly use XXXX due to it being with my bank and there was a stretch of days where some sent hounded of dollars out of my account, the dates are XX/XX/XXXX {$100.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$210.00} And just last week my card declined for my art auto pay due to insufficient funds when I went to looking at my account there had been five fraudulent transactions darting back to XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XX/XX/XXXX {$640.00} XXXX XXXX XX/XX/XXXX {$210.00} & {$110.00} XXXX This is ridiculous due to my direct deposit is sent to this account and my billing as well, Im quite frustrated with a lot of these transactions occurring in spurts and the lack of attention by Wells Fargo.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (FL)

XXXX XXXXXXXX XXXX XXXX  XXXX - reported to collections agency aldous and associates. Date opened XX/XX/2019, balance {$130.00} I have contacted both the collections agency and the XXXX XXXX  to request the information as to why this account is open eventhough it's not mine. And I was not provided any information nor account number. 

I have contacted all credit bureaus to create a fraud alert
Consumer complaint received 2023-04-19
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. (MO)

Please note, this is not a duplicate complaint, this complaint is due to the new fraud item on my report. I'm not using any third party for this matter. I'm victim of identity theft, someone has applied on my behalf for credits, this inquiry I have never authorized : XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX. It is my sworn statement that, 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. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry waw made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Please remove this fraud item from my report as soon as possible.
Consumer complaint received 2023-10-16
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. (AZ)

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report, They were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-08-21
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. (KY)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

A promissory sent to XXXX XXXX XXXX to satisfy the debt obligation for the transferred mortgage which Amerihome wasnt the original lender yet bought it from another lender. You cant buy and sell debt once a debt is bought its satisfied. Yet Amerihome refuses to settle out the account. A note for the full amount was sent and kept. However never crediting the account along with 1099-C. Account still open and not credited or closed out properly.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

I paid the credit card in full. Then with out knowing they charged me {$2.00} which I had no idea! Which now has turned into {$63.00}! So I need help. Comenity Bank which is for XXXX XXXX XXXX. Thank you XXXX XXXX. XXXX cell.
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I am writing to request that your agency complete a thorough investigation of the practices of Synchrony Bank. This company has repeatedly resorted to closing out credit accounts on my credit profile as well as, reducing the credit limit on several store credit cards all which creates a negative impact on my credit profile. I currently maintain 6 credit store accounts with Synchrony Bank, on speaking with their representative over the phone to understand why this has happened, the letter they are stating was sent out to me which never arrived at my mailing address, the contents of the letter is not making sense, because if it is my credit assessment that has caused them to close an account why did they not close all accounts. I maintain all my accounts with on-time auto payments and even {$0.00} balances. 
Synchrony Bank maintains too much of a prowess in the retail industry as they are the the bank that manages most store credit cards, their monopoly-like operation and practices need to be addressed as they are affecting the credit profile of many of my colleagues, who have similar complaints. Synchrony Bank has closed account ending XXXX XXXXynchrony Home card and has lowered my credit from {$600.00} to {$100.00} on account ending XXXX XXXX XXXX XXXX XXXX All these unfair practices being done I was never properly informed, as no correspondence was ever sent out to me. 
I currently maintain credit cards for several years now with major banks such as XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, and I have never encountered these types of issues with these banks. So please, let me understand exactly what type of system they are using different from these major banks in their business practices and also if these practices are warranted on the consumer. 

I look forward to hearing from you on this matter, as I take great pride in maintaining a good credit profile.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (IN)

I had a previous Apple Card with Goldman Sachs that was closed back in XXXX or XX/XX/2023. There was an open dispute on the card that was later found in my favor and closed out in XXXX. Goldman Sachs ( by their own admission ) failed to close the dispute properly, so despite my card being closed it is hung up in the Apple wallet and is preventing me from reapplying for another Apple Card. I have been working with Apple and Goldman Sachs since last XXXX XXXX to get this resolved. I have submitted XXXX escalated tickets on Goldman Sachs side to get the dispute dispositioned correctly and closed out in there system so that I can reapply for a new card. I continue to be given the run around. I am told tickets usually take 10 days, however, the last one was given XXXX and still didnt have any additional progress and resulted in another two tickets being submitted. I have talked to several additional Goodman Sachs representatives ( including supervisors ) who tell me there is no eta for a fix, the area that has to correct the problem is outside of customer service, they do not have a direct line to them and can not call anyone for an update or answer and the only method of correction is to submit yet another ticket so they know the issue hasnt been corrected. 
There is XXXX reason that XXXX months have gone by and this is still unresolved because of an issue Goldman Sachs told me is a known issue because their disputes system sucks and cases dont always close properly. If this is the case, then a resolve should take less time than what is currently transpiring, the continued lack of assistance and prevention from applying for credit which I qualify for is unacceptable.
Consumer complaint received 2023-08-09
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. (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. Account Name XXXX XXXX  XXXX # XXXX credit card and XXXX XXXX XXXXXXXX # XXXX Auto Loan. 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing and 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PRA has used illegal and immoral practices to attempt to collect questionable debt from me. PRA has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to PRA. I ask that they immediately cease all communication. This account should be deleted immediately.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (NY)

I am a victim. of identity theft, please remove the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-17
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. (TX)

I received an XXXX XXXX from Experian on XX/XX/2023 claiming that my dispute was done and ready for review. 
The problem had not been fixed, AGAIN. 
The user name is still XXXX which belongs to XXXX XXXX who has stolen my identity. I still unable to get into account. I was told they whole account would be deleted and it hasn't because they used it to send me an email. This is the type of Incompetence from a company that has the power to ruin a consumers life! This has been going on 2 and half yrs. This is ridiculous! Is this being done on purpose.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (TX)

I am filing this complaint again. Going back to XXXX  I was told I would get a ONE TIME courtesy- I was still reported late! In XXXX of this year an extension was done- that satisfy XXXX 's payment. They have reported me late for XXXX! I have called several times and was told that it would be updated for me to dispute it directly with the bureaus. This is improper use of my credit report as this is not accurate! PLEASE REFER TO THE NOTES ON THE ACCOUNT- SENDING LEGDERS DOES NOT SUFFICE AS TRUE EVIDENCE!! 

PLEASE SEE THE SNIPPET OF THE EXTENSION THAT WAS SIGNED THIS YEAR FOR XXXX. THE PAYMENT WAS MADE IN TIME AND I WAS STILL REPORTED LATE.
Consumer complaint received 2023-02-26
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. (MO)

An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX  XXXX. Account # XXXX for not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates Gramm-Leach Bliley for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. 
XXXX, XXXX, Equifax are non-affiliated third companies & an invasion of my right to privacy
Consumer complaint received 2023-06-25
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

Equifax has reported on my credit report an old account that keeps showing up on my credit report, I've attempted numerous time to explain and dispute with Equifax that the account XXXX XXXX XXXX XXXX XXXX XXXX for the amount of XXXX XXXX XXXX XXXX XXXX XXXX Is an Old Account and to please take off my credit report. Equifax fails to do a proper investigation with no reason on why this old account is still on my credit report. One year the account XXXX XXXX XXXX XXXX XXXX  in the amount of XXXX XXXX XXXX XXXX XXXX XXXX will disappear and next it will show back up.
Consumer complaint received 2023-10-16
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. (TN)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  || Date of inquiry : XX/XX/2022