davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute with all 3 credit bureaus regarding a few accounts reporting on my credit file.

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments.

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditoXXXX XXXX XXXX XXXX  Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX XXXX XXXX XXXX  Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Each time I call or submit a dispute regarding these items on my credit file the bureaus don't investigate anything within 2 days they somehow keep validating these accounts.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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  Account Names # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Ihave the right to privacy. 15 U.S.C 1681 Section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2024-02-24
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. (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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-17
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. (TX)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

Experian Inquiry - 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 a account without my written instructions Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (DC)

My CD account at Marcus Goldman Sachs reached maturity last week, I did let them know in advance, in writing/on their website, that I no longer wanted the funds to be there, Instead, I wanted the funds to be transferred to another financial institution, XXXX  XXXX to be precise, which happens to be linked to Marcus already XXXX for the purpose of transferring moneys. 

Marcus GS is not transferring the money in a timely fashion as they were supposed to, and now I am wasting time trying to contact them, and also wasting the interest money that I could be making at XXXX XXXX. Today I called again, after chatting online with no results, I asked to speak to a supervisor and the line was " mysteriously '' disconnected. I tried again later and the same story! 

I think their whole approach at Marcus GS is rather irresponsible and careless, not to mention unprofessional and unethical! 

Whenever I call Marcus I usually have to wait for a while to talk to an agent, and then when I finally do, no one there seems to know exactly why they are delaying a simple transaction that should have been done relatively quickly. Security is not and issue, to make sure of it, I contacted XXXX XXXX  today, and they assured me everything is and has been in order for them to receive the funds from Marcus GS. 

Feel free to ask any questions you'd deem suitable to resolve my case. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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. (TX)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

XXXX XXXX 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 a account without my written instructions Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$75000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX I Original creditor XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 2024
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Against Union Bank of XXXX  I have had a business account with them since at least XXXX. Unfortunately, Union Bank allowed 5 unauthorized withdrawals from my account. The first one was for XXXX cents on XXXX XXXX. The other unauthorized withdrawals took place as follows : XX/XX/XXXX for {$13000.00} ; XX/XX/XXXX for # XXXX & on XX/XX/XXXX for {>= $1,000,000}. 

I first found out about these unauthorized withdrawals on XX/XX/XXXX when the bank called me to tell me that I was overdrawn. I knew that was impossible so I called customer service. They proceeded to tell me about the withdrawls. They further told me that I had to go in person to the bank to file a claim. 

I went into the bank that same day and filed the claim. I also provided them with a letter stating that all those withdrawals were unauthorized. 

On or about XX/XX/XXXX the bank notitifed that they were denying my claim on the basis that they were told by the company that I signed an authorization. I told the bank that this was NOT true and to send me a copy of the authorization. 

Nonetheless, besides me not signing any authorization there are several problems with that story. First of all, assuming arguendo, that I did sign an authorization ( which I didn't ) why did the bank allow the funds to be removed without first seeing the authorization. Secondly, if they had a signed authorization why did they first have to test the withdrawal from account for XXXX cents. 

Lastly, and the most important, the withdrawal was allegedly for a collection account for an LLC. I have NEVER been an LLC. My account is solely in my name. Thus, the bank allowed someone to withdraw funds from an account that was and is NOT under my name. 

Despite this, they refuse to reimburse me the money. This is wrong. They should immediately reimburse me the money that was wrongfully taken from my account, that the bank wrongfully allowed.
Consumer complaint received 2020-01-17
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. (NJ)

THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT RELATED TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS MUST BE PURGED OFF MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LOVE THOSE TO BE REMOVED.
Consumer complaint received 2023-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (WI)

I received a letter in the mail from RMP regarding a bill in the amount of XXXX. The account number is XXXX. Upon receiving the letter, I immediately logged in and paid XXXX, as this was from a doctor 's visit, and I had attempted to pay on their site, but they already moved it to a collection agency. The date of payment was XX/XX/2023 at XXXX. The system told me it could take a few days to fully post to the account. On XX/XX/2023, I logged in to check and make sure it posted. I noticed that my balance due dropped to XXXX. I hit the contact us to ask them about this, and they advised me to reach out via phone. I called them. The rep that I spoke with asked me if another person in their system was my husband. I said he was. They advised that they had several accounts for my husband with balances due and that my payment had been applied to his accounts. I told her I didn't know my husband had accounts with them. I also am not listed on those accounts, and I should not have to have my payment for my account applied to his accounts. I am not even listed as guarantor or have permission to speak on these accounts. She proceeded to give me the balances of these accounts. She also told me that she was submitting a request to have those payments that were applied to his accounts moved to mine to ensure it was paid in full. As of today, this still has not been completed. 
1. Why are they giving information on other accounts to a caller? How do they know I am in fact related to that person?

2. Why are they applying my payment to other accounts I am not even listed on?

3. When I login to the system, I only have 1 account listed in my name. I paid the entire balance that was listed on the bill for MY account.
Consumer complaint received 2023-02-11
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. (GA)

Bankruptcy XXXX XXXX-dismissed Reference # XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: Fay Servicing, LLC (NY)

CFPB closed this complaint without resolution. XXXX XXXX only response was to request an account number & more information. I NEVER had an account number. This is the primary account holders responsibility. I can not get information from the primary account holder or the lender. My perfect credit is being destroyed because of this. I would have been willing to pay the amount owed had I been notified. It just shouldnt be on my credit report without allowing me opportunities to pay. I still have no idea if its current
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. Auto Sales Inc. (GA)

My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing XXXX.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

On XXXX2023 I deposited {$5700.00} in the form of 5 checks from the U.S department of treasury. The next day XXXX2023 Citi Bank with out warning put a block on my account due to " Potential Fraudulent Activity ''. They were no help at the branch and said there was nothing they could do and would take 48 hours to receive a decision if they will be lifting the block or closing my account. This is extremely troublesome as I have bills to pay and have a family emergency and have to get to Florida due to a sick grandparent. I cant pay for a flight, buy grocery 's, pay my bills. To top it all off I have direct deposits that will be going into this account next week as well. I need this account reopened ASAP. This can not wait. These check were from the Treasury department for God sake. Its not like it was a personal check! Please help! My next course of account will be a class action lawsuit against Citi Bank. I don't want to have to take it that far but am prepared to do so. They have got to be better about fraud protection. I understand keeping people protected but this is absolutely ridiculous as I was able to confirm my identity. Anything you can do to help would be much appreciated. Best regards,
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is a collection account I demand these account be removed because they are importing in accurately across all XXXX bureaus please remove all accounts that are not METRO 2 COMPLIANCE
Consumer complaint received 2022-02-25
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. (WA)

My husband was getting a personal loan he was told he would get XXXX XXXX dollars the man on the phone wanted my social security number. He did not say he was going to pull my credit.. and to top it off the loan was denied even though my husband and I got letters saying otherwise this happened the XX/XX/XXXX I spoke with the credit union and they said they were going to send a letter to the credit company to try to have the hard hit pulled but it is still there please help
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

There is incorrect name spelling and other names listed. There is incorrect identification number with these names. There are incorrect addresses continuing to report. I have put multiple security freezes on my identity theft during Covid-19 and showing that accounts have been compromised by this. I have filed disputes and nothing has been resolved.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (HI)

I kept seeing a charge on my credit card statement for an Experian Credit Report and it has been billed monthly. When I try to log in the experian company states it does not have anything for me, yet the charge continues to occur. I called the number on the statement and there is no way to speak with a representative and the automated message says to go on line. I go on line and I get the message there is no account information on me so why am I being charged?