davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (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 USC 1681. 

Account names : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX Each of the above has violated my rights in violation of the Fair Credit Reporting Act. 

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 XXXX 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 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

I purchased a product from XXXX XXXX XXXX that arrived in a timely fashion but was not operational upon receipt. The merchant ignored all attempts to resolve this via email, telephone, and online chat. As a result, I filed a dispute on my Apple card ( a product of Goldman Sachs ). 

Goldman Sachs has denied my dispute twice. Their reason is that the merchant provided proof of delivery. Proof of delivery of a defective product does nothing for anyone. That is the only proof the merchant has provided Goldman Sachs. 

I have provided emails showing my attempts to contact the merchant. I have hired a plumber twice to fix this problem ( with no success ). The plumber came back a third time and wrote a letter to Goldman Sachs saying the product is defective. This is blatant fraud. Goldman Sachs refuses to reverse the charge. 

There is no point in using a credit card for fraud protection if the card issuer isn't going to hold the merchant accountable. XXXX XXXX XXXX 's business model is fraud. Goldman Sachs is indirectly helping XXXX XXXX XXXX perpetrate the fraud. 

I spent almost {$3400.00} on a product that doesn't work. The merchant that sold me the product has refused to communicate with me. Goldman Sachs claims that proof that a faulty product was delivered is all they need to keep the charge on my account. None of this makes sense.
Consumer complaint received 2023-04-26
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion 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 investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NAM National Arbitration and Mediation (TX)

I received a call from ADR Group located in California ( XXXX ) XXXX. One of the clerks on the phone did not identify themselves.The clerk verified me by a last name I had not used since XX/XX/XXXX and last XXXX of my social then told me I owed {$540.00} to XXXX from an account that was open from XX/XX/XXXX to XX/XX/XXXX. I have not had an account with XXXX. I told the clerk that and she said it did not matter because she had my information and the debt was mine. She said they are going to take me to court and I can try to fight it there. I told her I live in Texas and the statute of limitations to sue someone for a debt is 4 years under The Texas Debt Collection Act. She seemed a little confused, and I told her they should be familiar with the laws for the state in which they are trying to collect a debt, even a false XXXX. She said it did not matter and I would have my day in court. I have received nothing in writing from this business. I spoke to a gentleman at the Texas Office of Consumer Credit Commissioner and he informed me for this business to attempt to collect a debt in Texas, they have to follow Texas laws and register with the Secretary of State and pay a {$10000.00} surety bond. He stated he could not find ADR Group having registered. I feel like this business is trying to bully me into paying for something that is not mine by using illegal tactics and I feel they might be doing it to others as well. I tried to contact the company again and they put me on hold and would not speak to me.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

My vehicle was totaled on XX/XX/2018 I did all footwork to ensure I would not incur any negative marks on my credit. On XX/XX/XXXX I was informed by Exeter finance that they had sent the corrected letter of guarantee to XXXX XXXX to authorize the payment. Today I called them to find the status of the loan payoff and was told that they had not yet been paid by XXXX XXXX. I was instructed to get with state farm to find out why the payment was delayed. I learned that the finance company sent the corrected document to state farm on XX/XX/18. The finance company lied to me. They pretended not to know why the payment was held up when it was due to an error they made, as such the balance increased on the loan when they reported it and caused my score to drop 65 points. I have been working for almost 2 years to build a decent score and was hoping to purchase a home this XXXX. This company purposely held the to collect additional interest and fee on the loan. I was told that the letter of guarantee was corrected and sent on the XXXX. I believe it was sent in correct format to the GAP insurance company only- as they paid the claim for {$7000.00} on XX/XX/2018 but this was not deducted from the balance when Exeter finance reported my account. I was to receive a refund for the warranty that was purchased on the vehicle but the finance company is trying to keep those funds as well since the finance company purposely prolonged the process to get additional interest from me. I honestly have been wronged. I paid this account up until I was hit by state farms driver and made every effort to make sure all documents were sent received and accurate. I believe this company maliciously did this in order to cause me to pay money out of pocket.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (TN)

On or about XX/XX/year> Checkr, a background check company whom I have no contracts with or affiliation with is reporting false and frivilous reports against my NAME. I'm applying for work to feed my loved ones and they have information on the background report from XXXX XXXX, CA which the principle ( XXXX XXXX XXXX ) has never been in any disputes or criminal activity involving case number XXXX at XXXX XXXX XXXX XXXX XXXX. The charges they are showing are : " UNLAWFUL TO DRIVE UNLESS LICENSED '' and " WILLFULLY DISTURBS ANOTHER PERSON BY LOUD AND UNREASONABLE NOISE '' ( both of which is false and not related to the Principle-DEMARIO XXXX XXXX XXXX XXXX 

XXXX Issue : The XXXX, XXXX  " OBSTRUCT GOVERNMENTAL OPERATIONS '' at the DISTRICT COURT OF XXXX XXXX. This court lacks jurisdiction and failed to show their lawful judicial authorization and authority and/or delegation of authority from XXXX showing XXXX have the jurisdiction to administer the Estates of XXXX XXXX Nationals. I am not a XXXX XXXX, Black or Africans american ( see XXXX documentation ) which is another reason the foreign and private DISTRICT COURT OF XXXX XXXX lacks jurisdiction. 

Attached to back my claim : Writ of Error sent to DISTRICT COURT OF XXXX XXXX, XXXX Documentation, Name Correction/court ordered, CHECKR report
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. ()

I went to deposit cash into a XXXX XXXX XXXX with a Sofi Bank Card. The card was put in and options to do a deposit into my checking and savings account appeared on the screen. The ATM cash drawer opened and I placed the money approximately {$600.00} into the drawer which closed. Then on the screen, it displayed transaction canceled the cash drawer did not open and my card would not be released from the machine. After XXXX minute the screen returned to normal start screen and my card was allowed to be taken out. The money was not returned and I assume went into the ATM. I have called Sofi who has no record of the transaction happening and is unable to dispute this with XXXX who would need that to happen because I am not a customer with their bank. 

This Action and transaction happened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX at approximately XXXX XXXX  on XX/XX/year>.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA (NY)

GOLDMAN SACHS BANK SOLICITED ME MANY TIMES TO OPEN A GM CREDIT CARD. I COMPLETED THEIR APPLICATION AND I WAS OFFERED IN WRITING ON 5 OCCASIONS, 0 % FOR THE LIFE OF CREDIT CARD. NOT IMMEDIATELY AFTER ISSUING THE CARD OR WITHIN THE FIRST 30, 60 OR 90 DAYS BUT NEARLY 1 YEAR LATER GOLDMAN SACHS SENDS ME A LETTER STATING THAT THEY MADE A MISTAKE AND THAT THE INTEREST RATE WILL NOT BE 0 % FOR THE LIFE OF THE ACCOUNT... INSTEAD THEY WILL EXTEND THE 0 % RATE AS A COURTESY FOR 6 MONTHS. I IMMEDIATELY CONTACTED GOLDMAN SACHS SAYING I AM NOT ACCEPTING A 6 MONTH EXTENSION OF 0 % AS I CONTRACTED WITH THEM AT 0 % FOR THE LIFE OF THE ACCOUNT. I HAD NO LESS THAN 10 PHONE INTERACTIONS WITH GOLDMAN SACHS REGARDING THIS MATTER AND THERE IS STILL NO RESOLUTION.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (NY)

The EXPERIAN credit bureau allows companies to put fraudulent information from accounts that are not mine in my credit. 

Accounts that were already eliminated in other credit bureaus for reasons of fraud and that are not my accounts. They were accounts that were made fraudulently and the XXXX credit bureaus XXXX XXXX AND XXXX have already eliminated them and EXPERIAN continues to post them. 

Every time I make a complaint, EXPERIAN only communicates with that fraudulent creditor and the creditor tells them that the account is mine and they don't delete it. EXPERIAN just doesn't do proper research on those fraudulent accounts on my credit. It is the only credit bureau that has and allows these accounts to appear. 

EXPERIAN is complicit with these companies and allows them to hurt my credit. I already made an identity theft report and I can't get anything with it. 

It is an account from XXXX and it is almost XXXX XXXX XXXX and this credit bureau does not eliminate that fraudulent account. 

XXXXXXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Collection Account number XXXX Date opened XX/XX/XXXX Account type Collection Balance {$2900.00} Balance updated XX/XX/XXXX Original balance {$2100.00} Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2017-09-18
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. (NY)

I have contacted XXXX trying to remove this account from My Credit report for years they refuse. I have advised them I am a victim of identity theft and requested proof this account indeed without a doubt belongs to me and they fail to do that. The only thing they have sent me is proof of the payments made to the car which does n't prove this debt or account indeed belongs to me.i demand proof such as copy of my drivers license, passport, state issued id, social security card etc documents providing I opened this account personally. I even tried to settle this account even though I do n't owe anything to them and they refuse to remove the account even after payment. This is t correct and someone needs to put into place my rights as a consumer.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates , LLC has a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred. sold and I am no longer responsible for the account. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill or statement without a signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA, Portfolio Recovery Associates , LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-21
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. (TX)

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

Attention Lexis nexis : reviewing my credit report there are many errors that need to be corrected My name is XXXX XXXX, I have never used another name. The following names should be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, My address has always been XXXX XXXX XXXXXXXX XXXX XXXX XXXX fl XXXX The following addresses do not and did not belong to me and should be removed : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX The following emails do not and did not belong to me and should be removed : XXXX XXXX Thank you very much, sincerely : XXXX XXXX
Consumer complaint received 2021-12-20
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently had my bank account closed for depositing two checks that was sent to me by the company I recently got hired to work from home. And the bank ( capital one ) doesnt want to resolve the issue. If it check was fraudulent I was not aware of this. I would like for the bank to open my account. Again please.
Consumer complaint received 2022-12-21
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX and 120 days past due. Ive never been behind on my payment, Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the Experian Credit Bureau and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-11-30
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX