davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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. (WI)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish 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 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 15U.S.C 1681 s-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. 

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.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (FL)

THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
Consumer complaint received 2022-12-13
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. (OH)

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 U.S.C 1681. XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 e 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 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CA)

My account was transferred from XXXX XXXX XXXX to Goldman Sachs Marcus GM in XX/XX/2022. I had an outstanding balance and on XX/XX/2022 I paid off the balance of {$4800.00} by cashing in a life insurance policy. Goldman Sachs GM sent me an email stating I owed a one time payment of {$46.00} in interest on a cash advance. I asked when was the cash advance and they couldn't tell me. They stated the interest was " floating or transient '' charges. Previous to that they gave me a {$50.00} gift but added it to my regular payment of {$140.00} bringing it up to {$190.00} so they decided the way I was to use the credit. I requested my account and card be closed and it was not honored because I was then charged {$0.00} for a balance of the interest payment due. I paid the {$0.00} on XX/XX/2022 because after speaking with a GS manager we knew that any balance left on my " closed '' account would accrue interest. Now GS sends an email on my closed account " Your My GM Rewards Card statement for XX/XX/XXXX - XX/XX/2022 is now available. This statement includes an important notice to your account terms ''. I am being informed that GS owes me {$0.00} after I was informed to pay or else. I am now being harassed by this fraud bank and I called XXXX to inform them I paid them {$0.00}, cancelled my account and I want nothing to do with them. The customer service person stated she forward the issue up the chain of management that I am refusing to take back {$0.00} in a reversal of what I owed them. This is loop of deceit ran by Goldman Sachs GM where I pay the interest off of unknown charges, they create a scenario by forgiving an interest amount that will keep me owing interest on interest. Please help me. 
.
Consumer complaint received 2017-05-04
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: Experian Information Solutions Inc. (GA)

I mailed a Multiple Inquiry Removal Letter and Public Record Letter on   XXXX   XXXX    2017 by ce rtified mail in order to dispute information, in regards to  XXXX  hard inquiries and public record, that was being reported on my credit report. They received the letter on   XXXX   XXXX    2017 a nd they completed the request on   XXXX   XXXX    2017. T he request that I submitted included  XXXX  Hard Inquiries and public record that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, F CRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),   it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the FCRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries and public record on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries and public record that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2023-08-13
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. (NY)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately.
Consumer complaint received 2024-10-10
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)

I found this guy 's blog 'XXXX  ' and emailed him in 2023 about buying a CD since his site says " you will get a great deal. ' I paid him through XXXX XXXX and long story short, he never ever sent the CD and never sent me my money back. I opened a claim with Wells Fargo ( # XXXX ) and they denied it. They said they can't do anything because the transaction happened through XXXX XXXX. This is outrageous, and I am out {$50.00}. I have repeatedly tried contacting this person and they ignore me. He claimed he shipped it and would provide a tracking number, but never did. His name is XXXX XXXX XXXX and he gave me someone's username ( XXXX XXXXXXXX ) under the name XXXX XXXX . ' I was SCAMMED. Please help me get my money back.
Consumer complaint received 2018-04-24
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: Receivables Performance Management, LLC (GA)

On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : RVCL PER  MNG XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had my identity stolen there is a XXXX XXXX card in my name fraudulent over 120 days pass due. I've been trying to resolve this issue for maybe 6months or more. I put in over a dozen disputes I've talked to managers on both the trans union an XXXX XXXX as for as this account no one has resolved the issue. My credit is still dropping it's dropped my score over XXXX points I could cry every time. It's really upsetting to not be able to buy a home because of this effecting my credit score. The economy is already hard enough without credit. I worked so hard being a young woman to have good credit an this has ruined me. Please help me get my score back on track to fulfill my dreams on being a homeowner.
Consumer complaint received 2023-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXXDEPT OF ED Account number:XXXX  Account name : XXXX/DEPT OF ED Account number:XXXX  Account name : US DEPARTMENT OF EDU Account number:XXXX  15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years. 


15 USC 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 in information is inaccurate.
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TN)

On XX/XX/year>, I tried to make my {$4500.00} payment online due that day, but I could not because the payment amount listed online was nearly {$300.00} more ( {$4700.00} ). I called the mortgage company on XXXX when I discovered this discrepancy, and they said that it would be fixed by XXXX. On XXXX, I went to make my payment online and found that it had not been fixed at all. I called the company again on XX/XX/year> and the CSR indicated he could put a complaint in and that it should be resolved in three business days. So I am still waiting to make a correct payment amount because they will not accept any payment amount less than what their ( XXXX ) system shows. I just want to make my payment! For the correct amount!
Consumer complaint received 2023-08-13
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. (GA)

Ive sent numerous of certified letters via XXXX to TransUnion in regards to this alleged bankruptcy that is reporting on my Consumer Credit Report. I ask that TransUnion remove this alleged bankruptcy immediately. This has caused hardship, increased interest rates, failure to purchase a home. TransUnion has broken all legal laws concerning this matter.
Consumer complaint received 2023-08-13
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)

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 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681section 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 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-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 2024-10-08
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. (NC)

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 XXXX 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting inaccurate, incomplete and fraudulent credit information on my personal credit report. The following inquiries do not belong to me and I never applied for the credit or these inquiries made in error : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2018-04-24
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)

On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX  XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Good Day I paid off my XXXX XXXX XXXX auto loan circa XX/XX/XXXX. Citizens One sent a " paid in full and canceled note '' title Release Letter in XX/XX/XXXX, with paperwork to apply for the title. I found that unusual, as the bank is responsible to provide the title after payment has been completed. I have had several auto loans over time, however, this is the first time that I have been tasked with chasing its title. Whatever institution I have completed payments with, always sent the title. This instance is my first ever experience with the institution tasking me with chasing my title. 
While chasing the Title for this XXXX XXXX XXXX, I have been redirected back to Citizens One. I have even attempted to contact XXXX XXXX and they are no longer XXXX XXXX and under new management. The new management and staff are just as dismissive and rude as the previous owners and staff. In spite of that, they claim to have no knowledge, etc. 
Unfortunately for me, I did not recognize the red flag when I struggled to get auto plates from them. It took forever to receive tags after legal threats and appearing before them in person, though I lived in Alabama at the time. 

At some point during the struggle for the plates and proper registration, they offered for me to drop the car at some address they extended and they would pick the car up with no fault to me. However, they would not produce in writing that it wouldnt be treated as a repossession and not affect my credit while refusing to refund what was already paid towards the purchase. 
It has been an unfortunate journey with XXXX XXXX. I later learned of the many complaints that went unaddressed by XXXXXXXX XXXX XXXX. 

I have made several attempts to get a title because they did not send a title as normal, or followed up with any explanation. To my frustration, they have gone radio silent. I have applied for the title, but the title can not be found in Alabama where I resided during the purchase, or in New Jersey where the vehicle was purchased. 

I have contacted Citizens One and have yet to receive a title though I have honored my end of the contract early. Because I am often out of the country on Government orders, I believe that Citizens One has taken advantage and has not honored their responsibility as promised. They asked me to give them a year in XXXX and they have yet to return a title. 

I am frustrated at this juncture because I have been unable to trade the car, sell the car or reduce the insurance to liability because it still reflects having a lien active. 
Citizens One has silenced their communication with me. I do not know how to proceed with this business. However, I need them to honor their end of our long-fulfilled contract or return all payments with interest. 

Thank you for your attention to my struggle and formal complaint. 

XXXX XXXX XXXX XXXX XXXX  Account XXXX  ends in XXXX Vin Ends XXXX Transaction code : XXXX
Consumer complaint received 2022-10-23
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. (PA)

Contacted XXXX XXXX XXXX numerous times about incorrect reporting of delinquency payments. They had no record of it. Closed our credit card over 3 weeks ago and they are still reporting false information on credit report effecting credit
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (GA)

The company Diversified consultant has received my account from another collection agency. The company reported the debt to my credit on XX/XX/XXXX and again on XX/XX/XXXX. This company has been reporting the debt to my credit every 30 days. I am asking that the company report to my credit correctly or remove the item.