davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
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. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2023, I was locked out of my Marcus savings account. It said it was temporarily disabled and to call to have it available again. I called and a supervisor told me my account had been force-closed because of fraudulent activities. They would not specify what exactly after I asked. They said my account would go into review and then be closed with the money refunded back to me. The review would take 7-10 days they said. 

I called back on XX/XX/2023. I asked for the progress on how my account review was going. The rep said the account had not been reviewed and is still in queue. I asked for an update on when the account would be reviewed and they said 2.5 weeks!! I requested the balance on my account which he told me. I asked for it in writing and he said he could not email but he could snail mail it. It has almost been a month and I have not received anything in writing. I did call two weeks later after that call and asked for an update they said the account is still yet to be reviewed. I asked if there is anything that can be done to get my money back asap and they said wait 7-10 business days for the review. They are holding my money and are not willing to transfer it back into my possession. This is very poor business practice. At the very least they can transfer my money back into the original account from which it came, fraud or not. They are being very vague on this process and very unprofessional on the phone including hanging up after 1hr call or constantly transferring you/putting you on hold to get to a different department.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED.
Consumer complaint received 2019-07-17
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. (NC)

Dear CFBP I am filing a complaint against Experian for failing to properly investigate my dispute around errors contained in my credit report for XXXX XXXX account number XXXX XXXX & account number XXXX XXXX. I have sent a letter clearly stating the inaccuracies and requesting the accounts be removed from my credit report due to the errors. Experian has not made a good faith effort to investigate my claims nor have they forwarded any documentation supporting their position. I sent highlighted credit reports from Experian, XXXX  & XXXX  to contrast the payment history reporting. Its clear Experian has not fulfilled their obligations under the Fair Credit Reporting Act. They claim these two accounts have been investigated but the date of status has not changed from XX/XX/2016 indicating information was not updated or reviewed. I am requesting that the CFBP force Experian to meet their obligations under the FCRA and delete these entries for erroneous information. I have attached copies of the letter sent to Experian, My XXXX, XXXX  and Experian Credit reports and the Experian dispute results. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-26
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 three negative items on my experian credit report their XXXX XXXX XXXX XXXX account loan and rd accounts three negative accounts and XXXX XXXX  account I also filed complaint with the federal trade commission. Experian suppose to remove those negative accounts but their still on my experian credit report. To access my experian credit report my social security number is XXXX
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As a federally protected consumer, Transunion was informed about this fraudulent inquiry in XXXX and I filed a dispute here in XXXX. After being informed by the XXXX, XXXX XXXX that the inquiry was not confirmed to have been made by me, Transunion is still refusing to remove this inaccurate and unauthorized credit inquiry. This is causing harm to my score to continue to report this fraudulent inquiry and is a violation of the fair and accurate credit reporting act. I am attaching the letter from XXXX XXXX confirming.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE (GA)

The thief is using my credentials to apply for banking and credit cards in my name. Everyday and email shows up with a new application in different states. I have been calling the banks and let them know is fraudulent. Which they are having time to believe me! Its been overwhelming for me Im in XXXX about it! What can I do to make this stop! Its been continuously going every day! Please help!
Consumer complaint received 2021-07-22
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. (PA)

On XX/XX/2021 I sent a dispute letter to XXXX, Trans Union, XXXX  about my consumer credit report. Under 15 USC 1681b Permissible Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, XXXX, TRANS UNIION any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. Concerning the accounts listed below as a consumer, I am demanding a deletion of this account.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (NJ)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ONLINE COLLECTIONS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

To Whom It May Concern : I had an account with One Main. Our agreement upon receiving my last payment, my account with be closed. It was also agreed upon paid in full, it would not affect my credit report/score, however it is. It is currently showing as a : Charge Off. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (MO)

ONEMAIN has engage in unfair behavior and willfully noncompliance with the law. knowingly using deceptive tactics on undermine my credibility and give lenders the wrong impression. On XX/XX/2022 I sent a letter to onemain and they did not respond and also I sent the second letter to onemain on XX/XX/2022 and ask the for the second to third time that I request onemain and XXXX on XX/XX/2022 and XX/XX/2022 to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have added copies to show how onemain falsify information or took information from my disputes and refurbished as new. Also in my copies you see were onemain has scratch out my name and removed it under the so call signing line these documents are false. The address and account number that onemain report under my social on my credit report is incorrect I did not open this account.
Consumer complaint received 2021-09-23
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. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2019-02-14
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. (GA)

Have been trying for over a month to purchase a home I already have a contract on. Experian is reporting 4 accounts currently late when they are paid in full. It has been disputed directly with them and they are not correcting. XXXX  and XXXX have it correct. It makes sense that if an account has been paid in full, and they are reporting that, that the account can not be currently past due. 3 of them were never even late, they were sold to other creditors. The in-correct accounts are as follows on their report : XXXX XXXX. Account no XXXX, shows XXXX balance and 30 days late now. 
XXXX XXXX Account no. XXXX, shows XXXX balance and 90 days late now. 
XXXX XXXX Account no. XXXX, shows XXXX balance and 30 days late now. 
XXXX XXXX XXXX ( Student loan that was sold ), Account no. XXXX, shows XXXX balance and 120 days late now ( Was never late ). 

I am getting ready to loose my new home and would appreciate any help you can give. Experian will not correct this.
Consumer complaint received 2021-09-23
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: LEXISNEXIS (MO)

All three credit bureaus the Nexus XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued immediately.
Consumer complaint received 2017-07-21
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: Thunderbird Collection Specialists, Inc. (GA)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1200.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account to which the business failed to provide adequate proof and have yet to respond. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-07-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Pressler & Pressler, LLP (PA)

On XX/XX/XXXX with out my permission Pressler & Pressler Did a inquiry on my Credit Report which i have NEVER given Lawyer : XXXX XXXX XXXX permission to do and above all thing subpoena me to court now USING ( XXXX XXXX AKA XXXX XXXX ) Directly from my credit report.. my maiden name ( XXXX ) was NOT used in any Documents @ XXXX XXXX XXXX Never have been been asked NEVER!! Beings that that was taken from my credit report and used by Pressler & Pressler Attorney XXXX with a court notice to appear on XX/XX/XXXX @ XXXX XXXX.. I 've heard it said that it 's illegal to obtain credit report and use against a person and with out consent as well!! WOW SERIOUSLY!! that i have put this in writing NO ONE HAS NOTHING TO SAY .... to whom and why was my credit report used against me in this court documents filed by this attorney and who gave them permission to pull my credit report to begin with cause i sure did NOT and above all to use it against me in the court of law .. It 's humiliating and very bothering to me on how they treat me and i very POOR, XXXX and trying to do as best as i can.. On XX/XX/XXXX After 8 calls from Pressler & Pressler .. I even gave them {$200.00} off my Pre-Paid Card i had to buy my food for the month so all the calls can STOP!!!
I REALLY WANT PRESSLER & PRESSELER TO KNOW THEY CANT JUST RUN MY CREDIT REPORT WITH OUT MY PERMISSION THAT IS NOT RIGHT AT ALL!! i am willing to work with this collection company to work off the outstanding bill owned to XXXX XXXX XXXX but lord do n't make me starve and take over my credit report without my permission please STOP THIS MESS PLEASE and all that was all unnecessary stuff that is not caused for .. I 'm only human!!! After me talking to the Rep now come to find out cause i made the {$200.00} payment over the phone NO ONE FROM PRESSLER & PRESSLER will be coming to court on XX/XX/XXXX @ XXXX BUT i still need to be there cause i sign a notice @ my door when i was served @ HOME with notice to appear.. The Courts via certified mail .. THIS IS ALL UNFAIR REALLY UNFAIR TO ME ....
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (FL)

XX/XX/XXXX A " XXXX XXXX '' called and my son regarding case number XXXX and threated to go to my place of work to arrest me. They used my married name. There is nothing in my credit report that applies to the debt they are claiming. I don't know what it is regarding. I was contacted on XXXX with a similar call and no threats. The company was XXXX XXXX XXXX over a debt from XXXX in XXXX. I have never had anything in collections from them.
Consumer complaint received 2023-07-31
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. (WI)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year> I went into XXXX XXXX in New Jersey to XXXX XXXX a XXXX. The salesman was nice and we had a good conversation. He then proceeded to take my info and said he would get me some numbers on the vehicle. I was hoping to get a rough estimate so that I can shop around and choose the best deal. I was told that my credit card was not accessed because my credit file was locked as I had intended. This was false! The next day I noticed a hard inquiry on my report and a finance charge was created without my consent. My credit and securities are mine and mine alone and can not be used without a benefit to me the secured party. I have tried to remedy this with the dealership on multiple occasions to no avail. The next step after this is lawsuit if this matter isn't handled to my satisfaction. XXXX XXXX is in violation of the consumer credit protection act and codes 15-USC-1611, 15-USC-1681n and can be criminally liable for giving false information and securities fraud.
Consumer complaint received 2022-10-05
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. (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. 

Account name XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX BANK SS XXXX Account # XXXX Account name : XXXX BANK XXXX Account # XXXX Account name : XXXX BANK, account XXXX XXXX Account name XXXX XXXX XXXX account # XXXX Account name : XXXX BANK, account # XXXX Account name : XXXX, account # : XXXX Account name : XXXX XXXX SERVICES, account # XXXX Account XXXX : XXXX XXXX SYSTEMS XXXX, account # XXXX Account XXXX XXXX XXXX XXXX XXXX, account # XXXX Account name : XXXX XXXX XXXX, account # XXXX Account name : XXXX 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 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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-XXXX ( A ) ( XXXX ) 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 2017-07-21
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: EQUIFAX, INC. (MD)

Several months ago, I suppressed my information with XXXX from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both XXXX and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with Equifax, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from Equifax on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through XXXX. Now I wonder how that could be possible when per XXXX all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however Equifax, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by XXXX. I information should have always been suppressed/frozen with XXXX from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from XXXX unfortunately the suppression was compromise and it was being reported. Suppression numbers for XXXX XXXX & XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX per Equifax, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
Consumer complaint received 2015-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (NJ)

I am a XXXX of XXXX University. XXXX of the XXXX Colleges. I did receive a relief of my student loan that I took out with Genesis Lending in 2012. They made me take out an additional loan in order for me to graduate. Please can you assist in this matter.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX County which is the enforcing entity for XXXX where a child support order originates is also reporting on my credit for the same child support account. This is giving me XXXX negative account reporting on my credit report for the same account. I have contacted both the credit report agencies, and child support. XXXX continues to report duplicating XXXX reporting. And oh, there both reporting incorrect information despite my attempts to correct the accounts with the accounts. Please help!