davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MO)

This complaint is against Apple Savings account managed by Goldman Sachs. I initiated a withdrawal from my Apple Savings account to my checking account on XX/XX/. The confirmation page displayed in the app clearly stated that the transfer would complete within 1-3 business days. On XX/XX/, after waiting for 3 business days, the transfer was still in pending. I called Apple Savings and was told that a transfer would take 5 business days. I was advised to call back on XX/XX/XXXX  I called back on XX/XX/XXXX  and again on XX/XX/XXXX  because the transfer still showed pending. I was then told that the transfer was under review. When I asked how long the review would take, I was told that there is no timeline. The customer service person also stated that it could take up to one year or more. I was left speechless. I would like Apple Savings account managed by Goldman Sachs resolve this issue for me as soon as possible.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ;
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I trust this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and frustration. I have reported this matter on multiple occasions, Despite your team 's efforts, the issue remains unresolved, and the impact on my financial standing is becoming increasingly severe. I kindly request the following actions be taken urgently : XXXX a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. Improve communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. Provide a detailed update on the ongoing investigation. Implement additional preventive measures on my account to avoid any future unauthorized access or activities. Given the prolonged inconvenience and the potential impact on my financial well being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced. I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit 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
Consumer complaint received 2023-12-29
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on 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 Balance : {$58000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-20
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: EQUIFAX, INC. (MD)

ope 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. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my 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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-12-21
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. (CA)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT PLACER COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF MY CREDIT REPORT
Consumer complaint received 2023-12-29
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. (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 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (FL)

I informed Wayfair that a fraudulent charge was on my card. I told them I did not make the purchase from XX/XX/XXXX. They sent me a letter telling me it was going to be removed from my account and credit report. THEN ANOTHER charge was fraudlent on my account on XX/XX/XXXX. THEY DID NOT CANCEL CARD! This allowed ongoing identity theft. I disputed it on XX/XX/2023 and XX/XX/2023 and they both came back verified. Citi bank reported the payment as 90 days late on XX/XX/2023. They have been informed for over 3 months that this is fraud. This information is the result of identity theft and it has dropped my credit score almost XXXX points. I called today and they said they would take care of it. This is the only negative thing on my credit report and it is causing my financial harm. They need to cancel the card and change the account number and fix my credit report to Pays as agreed, NEVER late. I'm sending my third dispute to the bureaus today along with this complaint.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

A fraudulent account opened in my name by XXXX XXXX XXXX. See details below from XXXX. I had account closed by credit grantor back in XXXX but my credit has been adversely affected and my score has not improved. Would like to file complaint as part of ongoing fraud dispute reports directly with credit bureaus which I am filing. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Charge  Card Responsibility Individual Date opened XX/XX/2023 Status Closed. {$210.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$800.00} Balance updated XX/XX/2023
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 USC 1681 Sec. 602. I have the right to privacy. 15 USC 604 Sec. 2- A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 ( b ) A creditor may not treat a payment on an open credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

XXXX I noticed this collection agency had an account on my credit report. Therefore, I reached out via email to NATIONAL CREDIT SYSTEMS INC. ( The email that they have in their website ) I sent it to XXXX separate emails in total. 
XXXX I followed up again via email to National Credit Systems INC . Still no response. 
XXXX I followed up again via email requesting information on this debt. 
XXXX I contacted through phone to National Credit Systems . I verified who I was. I spoke to a supervisor for National Credit Systems. I asked him what was National Credit Systems License #. I need to confirm that this is a legit company and its not a scam! XXXX XXXX ( Supervisor at National Credit Systems ) informed me that he doesnt have to give me that information. That I needed to reach out to the Georgia state Secretarys office to obtain that information! They also did not inform me of my right to dispute this debt! I have a recording for evidence!
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (IL)

On XXXX I called Chime and prompted until I was finally able to reach a live person. Informed that I received a card at my address with my name and that I never applied for a card. Person took my info and I got switched to the fraud department. Fraud department insisted on my last 4 ssn for verification, refused to supply. Finally agreed to close account after I gave them account number from form attached to the unsolicited card and my email. Emailed was received stating that account for card was closed and that they will no longer do business with me. Really.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

FTC IDENTITY THEFT REPORT ATTACHED. 
All 3 credit bureaus have not removed my 2 Capital One Cards # XXXX & # XXXX that were severely compromised by Capital One since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to XXXX, XXXX XXXX XXXX. 
Capital One closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards. 
37 times false billing line entries is identity theft and FCRA violations.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT CONCEPTS, INC. (WA)

Explained in advance iam a victim of identity theft and provided proof of identity theft and everything that revolves around the identity theft. They said they would work with me. Price of vehicle {$10000.00} on XX/XX/XXXX  I gave {$5300.00} cash for down payment. On XX/XX/XXXX  I signed a loan agreement for remaining balance. Dealer rushed through the signing of the contract. When I asked why I'm financing {$10000.00} they strong armed me for even asking and said because tax and licensing fees. Dealer had me so confused and feeling violated in all my rights as a consumer, discrimination against me for being a vicitim of identity theft crossed my mind. On XX/XX/XXXX   two men pounded on my door and demanded my keys to my vehicle, they threatened me said i gave a fraudulent paystubs they were so agressive i feared for my life so I gave them my keys and they toke my vehicle. I immediately tried to contact XXXX the dealer with no luck and no response back. I am a employee XXXX XXXX XXXX arts and I am also the owner. I am a law abiding citizen active in my community. Defamation of my character, discriminating against me, they are violating me and the contract I signed doe not seem legal. Can you please help me get my {$5300.00} cash down payment back. Thank you
Consumer complaint received 2024-07-22
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: Cascade CISS Holdings, LLC (FL)

I'm trying to buy a house and I saw all these hard inquiries on 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  According to the 15 USC 1681 Law there should not be any damages on my report
Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I have sent 3 letters in the past 3 months to all 3 Credit reporting agency 's. I get either no response or just printouts of my credit reports with no changes. I have proven my citizenship, personal identity and everything they have requested and still receive no response or change in my credit reports. I have old addresses, old jobs, tons of credit checks which were not authorized by myself, they still do nothing. A posted Bankruptcy, which the Federal GOv't does not give to the Credit UNions, which is actually illegal to be posted on my credit report saying the Bankruptcy COurt did it. This is just a started.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

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 an account without my written instructions. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

Spoke with manager : XXXX ( Employee ID : XXXX ) - required mailed in SSN card to update to correct number, which may result in my SSN being stolen and misused. Was explicitly told Equifax will not provide an electronic encrypted method of transmission to keep my PII and SSN safe. 
I find this unacceptable against XXXX XXXX XXXX controls framework for keeping customers account data safe, and a critical finding of extreme risk. This is especially relevant following their customer data breach in recent years.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove all the fraudulent accounts and misinformation from my credit report. I did not open these accounts myself and need these accounts completely removed from my credit. I placed freezes on my credit to try and prevent this from happening again. I believe my information was leaked in a data breach or stolen. Regardless of how this happened I should not be responsible for the debt attached to these accounts. I am trying to rebuild my credit but have been unable to do so because of the fraudulent accounts reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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