davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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: GOLDMAN SACHS BANK USA (GA)

Goldman Sachs has failed to cease reporting of my UTILIZATION to all three credit reporting agencies. They are illegally reporting this information & are failing to comply with the LAW. I will be seeking damages due to willful non compliance. If they close this complaint without properly resolving my case THE FTC, THE XXXX, & The Attorney General will be informed.
Consumer complaint received 2022-12-27
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 unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MD)

NOTICE to SYNCHRONY BANK for failure to verify alleged debt pursuant to 15 USC 1692g ( b ). If you dont lawfully verify alleged debt or cease all collection activities I SHALL claim harm by way of TRESSPASS, FRAUD and EXTORTION.
Consumer complaint received 2022-12-27
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. (NC)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-12-27
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-12-27
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I reached out to capital one to dispute late payment from my credit report. during covid season i was found XXXX  and constantly in shelter because of symptoms. more over my son was a high risk because he has XXXX. for that reason I was not able to make payments during the following dates 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/2021 XXXX
Consumer complaint received 2022-12-27
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. (PA)

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. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-27
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XX/XX/XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ;XX/XX/XXXX XXXX Balance : {$1300.00} ; XX/XX/XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XX/XX/XXXXXXXX Balance : {$9900.00} ; XX/XX/XXXXXXXX Balance : {$1000.00} ; XX/XX/XXXXXX/XX/2022 ; XX/XX/XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2020-01-07
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)

I, the party injured, have made 2 attempts to have Experian verify the debts that are appearing as negative marks on my credit report. I sent the first letter on XXXX XXXX, 2019, The response did not satisfy the FDCPA requirement. I proceeded to give them an opportunity to cure by sending a 2nd notice on XX/XX/2019. The response was the same, a violation of the FDCPA. There are a total of 3 negative marks on the report that were not properly verified. No copy of the signed agreement, nothing was provided.
Consumer complaint received 2020-01-05
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. (TX)

XXXX has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (IL)

I submitted letters since XX/XX/XXXX certified mail to Experian to dispute the wrong reporting of a an account on my credit report. 

I filed a CFPB complaint on XX/XX/XXXX as well and they commented on the CFPB complaint they will submit within 30 days investigation and result to my complaint, we are XX/XX/XXXX and i haven't received anything nor see any update and removal of the account on my report. 
I am therefore requesting IMMEDIATE REMOVAL as they violate my consumer rights! its affecting my credit worthiness I work very hard to keep at excellent level! it is affecting me greatly. 

I am attaching again all the proof that all other reporting agencies have found the reporting inaccurate and removed it properly from my report. see all the proofs
Consumer complaint received 2022-12-27
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. (NC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX5B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
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. (NC)

My credit reports are showing a chargeoff with XXXX XXXX XXXX. The account has been paid in full as of XX/XX/2022. Please remove the account for my credit reports since the information currently reporting is incorrect.
Consumer complaint received 2024-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

I sent a picture of my drivers license to my brother XXXX, he was in the process of trying to get a vehicle. The sales representative explained to us that I wasnt co-signing on a vehicle so they didn't need to run my credit so I believed him and provided my drivers license and the next day I began to receive notifications of all XXXX inquiries. In which I didnt consent of regardless if it was my brother or the auto company.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

In XXXX, I opened a mortgage with Wells Fargo Bank. I kept this mortgage for eleven years. During these eleven years I was constantly harassed by this company claiming I did not pay the mortgage. I received Foreclosure Notices Act 91 even when I was making payments on time to this bank. I was charged for home and property visits which never took place. In an effort to resolve these issues I called repeatedly to their representatives who were nothing short of nasty, lying and intimidating. 
Somewhere between XXXX and XXXX I applied for a Home Modification and was approved for three months. This brought the mortgage down temporarily to {$880.00} per month. After payments this amount I was later told the loan from them was in Foreclosure Act 91 for past due balances. Understandably, they were the ones who approved the Home Modification for {$880.00}. Once again I called repeatedly to Wells Fargo to resolve that my house was and the Act 91 Foreclosure they also wanted the monies back for the Home Modification. In other words, they claimed the mortgage was in arrears and I needed to pay them back the total amount. In my attempts and efforts to pay them back these claimed arrears they refused to accept the check ( s ) with the amount owed. They refused the checks and sent them all back to me. 
Unfortunately in XXXX I lost my house in XXXX XXXX After repeated attempts to call, write and speak to Wells Fargo representatives, but to no avail with this Wells Fargo Bank XXXX 
I would like monetary retribution to what wells Fargo has done to my family and I.
Consumer complaint received 2022-12-27
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)

My rights has been violated, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to Experian, XXXX and XXXX.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-03
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. (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.XXXX XXXX XXXX {$52000.00}. XXXX XXXX {$20000.00} XXXX XXXX {$100000.00} XXXX XXXX {$8500.00}. XXXX XXXX {$3500.00} have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I have a right to opt out of having accounts reported to my consumer report and now I am exercising my rights to do so.remove all accounts list at once.
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I have used Square for my hair cutting services for years and have my own account with them. I recently received a notification from the IRS that Inhad 2 Square accounts. I know I only opened the one. Upon trying to get ahold of them, which you can only do so with chat, I told them about my situation and was told someone would be in touch with me. This was in XXXX. No one did. I did the chat again. They wouldnt give me info and then upon getting angry, I found out, an ex of mine has been using my info. I have his 1099ks in my name now. I can prove that he has his business and where that money is going. However, I found out he has taken a loan through square in my name, WITHOUT MY KNOWLEDGE, and every single time I try to get to the loan dept I am hung up on. I do not k ow the amount of this loan. And all I am told through the tax department is they will not change the 1099ks as long as there is a loan out. I had nothing to do with the making of this square account nor this loan and I can not get anyone to help me. I have filed a police report and I have filed fraud thru the IRS. I still can not get a person to talk on the phone with square to help me. My ex refuses to help me. He got the money from this loan that I never knew nor signed for. All this money went to an account in his name with a business in HIS NAME! And no one from this company will help me! The IRS wants almost XXXX from taxes on money I never made from these 1099ks that I just learned about! 
I have even contacted square through XXXX on your side and still have not heard anything, a have reference numbers from calling and then the last time I called was XX/XX/24 and I have been calling about this since XXXX last year and still have no answer! 
This loan is not being paid by him because Inhad to stop him from using this account so I am not responsible for more income! They are completely responsible for this loan as it was not me that took out this loan. Nor is it my own square account. I cant do my taxes because of these 1099ks.

I dont have any info on the loan except there is one and it was being paid per transaction and that XXXX needed to be paid still. 
Everything goes to his phone number so I have to go through him. He does not cooperate. In the account it will show what the business is and that the bank account is HIS! I was able to change the email on the phone but i cant get in because the phone number is his! And all the codes go to him!
Consumer complaint received 2022-12-27
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. (IL)

XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$510.00}. XXXX XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$610.00} XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$440.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} And my personal information updated XX/XX/XXXX I contacted all ( XXXX, XXXX, Experian ) to update my information and a complaint of identity theft as well as an police Report is on file my personal information was breached and misused. And how these agencies verified information with the wrong personal information ( address, name, birthday, No ssn, No work history, as well as the address to these accounts.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the opened date is inaccurate, the day last active is inaccurate, and the date last reported is also not accurate. This is 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 A. Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-27
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)

XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$510.00}. XXXX XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$610.00} Comenity XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX now updated XX/XX/XXXX ) {$440.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} And my personal information updated XX/XX/XXXX I contacted all ( XXXX, Equifax, XXXX ) to update my information and a complaint of identity theft as well as an police Report is on file my personal information was breached and misused. And how these agencies verified information with the wrong personal information ( address, name, birthday, No ssn, No work history, as well as the address to these accounts.