davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

Unauthorized credit inquiries XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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. (IL)

I want to file this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. I sent them a letter but no further action has been taken. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report? I have filed an FTC report which I included here with the report number XXXX. 

I sent them a letter dated XXXX  which was received and delivered to them last XX/XX/2023, and I called them last XX/XX/2023, and XX/XX/2023 and according to the agents and supervisor my documents were rejected because of the " invalid FTC report '' I called the FTC according to agent in FTC all the information in the report are correct and invalid and could not see any reason why Equifax consider this one as invalid. 

I have also attached all the documents needed to support this complaint. ( FTC report, package letters, Driver 's license, proof of address and the usps tracking )
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX. 2023 I contacted the credit bureaus XXXX, XXXX, and Transunion, I, disputed several inaccurate accounts, It has been over 30 days and I have received no response to my disputes.
Consumer complaint received 2024-02-07
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: Shellpoint Partners, LLC (FL)

Reference Case # XXXX ; Loan # XXXX Shellpoint Shellpoint avoided responding to our main complaint. Our previous complaint accused Shellpoint as the root cause for the two late payments. We accepted Shellpoint 's offer to miss two monthly mortgage payments ( appreciating our Hurricane Ian suffrage ). Shellpoint kept secret their intent to report our two approved late payments to the Consumer Reporting Agencies ( CRAs ). We were not informed of this credit reporting risk as being part of their deferment request process. We followed their procedures and we were told to continually wait for their review process to conclude. 

Shellpoint stated in their response that we had not paid XXXX and XX/XX/2023 payments. That is not true. I'm providing proof that Shellpoint was not truthful ( see XXXX Mortgage payment statements ). 

I spoke with XXXX XXXX and he understood that Shellpoint did not inform us that they would report us to the CRAs despite being active in their deferment process. I told XXXX that were we to have been informed, we would not have accepted their offer. XXXX agreed that this case deserved a second look by management. He apologized. I was made to believe that they would grant us our relief ( simply reverse the CRA report ).
Consumer complaint received 2024-03-13
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. (NJ)

I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-12
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. (FL)

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, 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 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 2023-02-09
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (FL)

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-02-09
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-02-04
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. (CA)

The following Experian and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXXXXXX XXXX  XXXX XXXX )
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (IL)

The Credit Bureaus stated that accounts : XXXX XXXX XXXX Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. The have also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not finish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Arcon Credit Solutions LLC (OR)

I had been trying to update my payment method on the XXXX XXXX for months, it would not allow me to do so from the app, so I reached out on their contact us page several times ( as there was no phone number to call and get ahold of anyone ), and I never once received a response from anyone. Once the company shut down, I also reached out several times for my billing statement and they never provided that either. It is now with a collections company ( XXXX XXXX XXXX ) and it is severely impacting my credit score.
Consumer complaint received 2024-02-08
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 (NJ)

Reference made to XXXX I was denied to answer resolution of Apple card XXXX Here is my response I am writing to express my extreme dissatisfaction with the recent handling and total disregard of any consumer protection. Specifically, I received a refund of only XXXX out of the {XXXX} charged for a service that was not delivered as promised. 

The situation arises from a booking I made for a stay at the XXXX XXXX in XXXX for XXXX nights through an online XXXX Despite the attractive property displayed online upon arrival, I was confronted with disruptive construction that had not been disclosed beforehand. This construction significantly compromised the quality of the service and rendered my stay untenable. 

In light of these circumstances, I opted not to proceed with the stay and requested a refund for the full amount charged. However, I was shocked to receive a refund approved of only XXXX, which is grossly inadequate considering the total amount paid and the complete failure of the service to meet its obligations. 

I am deeply disappointed by this outcome and feel that I have been unfairly treated. I expect a full refund of the XXXX charged, as the service was not delivered as promised and did not meet the reasonable expectations set forth in the online agreement. 

I kindly request that you review this matter promptly and provide a resolution that reflects the gravity of the situation. I look forward to your swift response and a satisfactory resolution to this issue.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs is the card issuer for Apple Card. it is stated on their Card Agreement that they accept Non-conforming payments yet the bank refuses to accept my negotiable instruments every month. I have sent a total of 7 notices together with negotiable instruments but Goldman Sachs claims it is not a form of legal tender. The Indenture Trustee Agreement with XXXX XXXX XXXX XXXX XXXXXXXX clearly states the bank is acting as power of attorney on my behalf ( investor ) and is surrendering the securities aka warrants for redemption. The transaction structure clearly shows how our promissory notes/commercial paper/ securities are being securitized, transferred, and redeemed. Yet as the holder of the note and the Beneficial Owner of the note ( me ) I am being denied the right to also surrender the negotiable instrument for redemption. I know for a fact it is lawful tender. All their SEC filings back up this claim. I had sent 2 of those 7 notices to the XXXX XXXX XXXX XXXX XXXXXXXX addressing the agent ( XXXX XXXX ) who signed the Indenture trustee agreement and she also refuses to acknowledge my notices and instruments. As you may know UCC 3-603 and 3-604 state the following : ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. 
Goldman Sachs Finance, Goldman Sachs Corp, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have kept the negotiable instruments and are not returning them, even though they are denying they are a form of legal tender, and they are not responding to my notices.
Consumer complaint received 2024-02-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (NC)

This bill is fraudulent and I dont owe it. I was billed for a carpet that was flooded multiple times caused by a leak in a condo unit above. The enclosed pictures clearly show the leak coming down from above ruining my personal possessions. 
I have all the pictures and emails reporting it to the condo office and their responses saying they are trying to find it and fix it. The condo rules say that the condo above is responsible. 
They owe me money for my damaged personal property. 
I keep having to have this removed as they keep selling it to another collection agencies and put it back.
Consumer complaint received 2019-11-25
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. (FL)

Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (IL)

Well, the issue is that this alleged debt was settled and paid on XX/XX/XXXX. The payment cleared my bank account the XXXX of XXXX as of the amount {$1700.00}. Soon after that I requested a payoff letter proving that the account has been satisfied and paid. So, I received a letter dated XXXX XXXX. The payment was accepted and processed by XXXX XXXX XXXX XXXX 's office XXXX XXXX XXXX. In bold on the letter, it states in quote ". This account is considered settled in full of no further monies due ''. Also, mentioned on that letter is " This is your receipt for that payment and paid status on the account ''. I tried disputing inaccurate information on my XXXX report on XX/XX/XXXX. Account history incorrect, paid in XX/XX/XXXX, should not be marked late in XXXX and XX/XX/XXXX. Also reporting XXXX major delinquency as of XX/XX/XXXX. But the account was put in their office XX/XX/XXXX. My XXXX report indicates inaccurate reporting on the account of CKS Prime Investments because it was paid in XX/XX/XXXX and it still shows the account as open, Also, no indication that the account was paid on my XXXX report. As of right now I pulled my XXXX report, and it still shows inaccurate data on CKS Prime Investments by having the account as an open collection account not closed. Also, showing the account with a status date as of XX/XX/XXXX not, XX/XX/XXXX when it was paid. Also showing a 120 day late in XX/XX/XXXX but on time payments afterwards for XXXX, XXXX and XXXX. As of XX/XX/XXXX, CKS Prime Investments is reporting a pay date of XX/XX/XXXX, but then showing a collection as of XX/XX/XXXX as a status update. Also indicating that it meets requirements of FCRA, which I do not know how if I supplied all the payoff letters and errors on the credit reports. I supplied the letters confirming the payment clearing the bank account and the payoff letter but still verified from CKS Prime Investments as not paid in XX/XX/XXXX or inaccurate reporting throughout the XXXX bureaus.
Consumer complaint received 2019-12-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNT- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.