davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

This letter is to formally inform you that I recently received a copy of my consumer report that your company publishes. Upon review of my consumer report, I found an item that is inaccurate or questionable. The account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : FLORIDA XXXX XXXX XXXX. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the bankruptcy along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The XXXX XXXX, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this bankruptcy that you are reporting in my credit report. NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of this bankruptcy then please delete this immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my consumer report and distributing them to credit bureaus you are damaging my reputation and creditworthiness and I will seek damages if they are not removed and you are unable to provide the necessary documentation. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this bankruptcy within 30 days of receipt of this complaint then you must remove these accounts from my consumer report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of Florida. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. Please provide me with a copy of an updated and corrected consumer report showing this bankruptcy item DELETED. I demand the following accounts be properly METRO 2 COMPLIANT verified WITH EVIDENCE or removed immediately.
Consumer complaint received 2021-11-18
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-31
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (GA)

I have been a faithful and loyal customer of WellsFargo for seven+ years. I have paid my credit card payments on time and I built my credit up to a credit line of {$11000.00} and a credit score of XXXX! It took several years and focus to achieve this accomplishment. The issues is, my teenage son open an account with WellFargo a few years ago. At that time your representatives insisted I had to sign onto this account with him due to his age. Those representatives also guaranteed to me that as a valued customer, my account will be safe and his account activity would not affect mine!! Otherwise I never wouldve signed my name to his account!! However trusting in this company, I signed my son 's teen acct. Recently his account experienced fraudulent activity. The activity was strictly within his account, nothing from my account whatsoever. However without warning and during the holidays, my credit card was deactivated! I immediately reached out to Wells Fargo, hoping it was an error, and confident it would be rectified easily and quickly. My account was investigated, only for me to be informed because I was on my sons, account due to his fraudulent activity, my credit card was deactivated, and this closure was reported to my credit information, immediately decreasing my score by XXXX points! I am very upset! I am very disappointed! I am livid! I have made 100 % on-time payments to my credit card with this company. My credit line grew due to my loyalty to my years with their bank. My accounts show nothing negative!!! I simply feel as a loyal 7yr customer, my account activity should have been more closely evaluated separately from my son. My son 's fraudulent activity has caused me to be punished on 2 different levels, my $ XXXX credit line is gone, my credit score has dropped drastically, which will affect every area of my life. Wells Fargo has responded in a cold and very uncaring manner. For the 1st time in 7yrs I did not feel like a valued customer.
Consumer complaint received 2024-08-08
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)

After dispute sent to Experian credit bureau for multiple addresses appearing on my name,SSN not mine wrong,more two of my first names wrong ,the results came updated not deleted,plus to many previous employer not correct.

I wanna keep one name ,one address please sent complain to Experian to delete all my personal information wrongly.
My correct personal information is ;

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-18
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NC)

I was shopping for a new kitchen in XXXX XXXX. I stopped at a kitchen cabinet supplier and selected cabinets, counter tops and Back splash. I was told by the owner that they had special financing on complete kitchen remodels that was no interest for 18 months. 
I thought this was a really good deal. I thought I was getting a one time loan of XXXX for the purpose of a kitchen remodel. I did not think I was getting a credit card loan with revolving credit.. 
Once my credit was approved, the Contractor ordered all the cabinets based on their measurements. The contractor arrived on XX/XX/XXXX and installed approximately 75 % of the cabinets before realizing they ordered the wrong sizes and had no choice but to stop the work until the right cabinets could be ordered. The kitchen is incomplete and the workmanship is completely unacceptable. I stopped all work and cabinet orders in writing on XX/XX/XXXX. 
The XXXX loan with Synchrony Finance is now formally in dispute. I have reached out several times to Synchrony Finance and I have expressed deep concern that I do not have a functioning Kitchen, and it appears they have paid the Contractor the entire XXXX. I now have a non functioning kitchen and an outstanding loan of XXXX. 
I simply don't have the resources to move on with another Contractor until this dispute is resolved. I am a XXXX, and its important that I prepare healthy meals at home. I have not been unable to do this since XX/XX/2019. Please help!!
Consumer complaint received 2018-09-25
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. (WI)

XXXX XXXX said they verified the bankruptcy through the courts. The courts do not verify any information with any credit agencies or third parties. 

I sent them a letter from the courts that proved this
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

I was XXXX  in the XXXX from XX/XX/XXXX to XX/XX/XXXX. During that time my Chime card was stolen and the following charges were made : XX/XX/XXXX : {$4.00} XXXXXXXX XXXX XX/XX/XXXX : {$26.00} XXXX XXXX XX/XX/XXXX : {$14.00} XXXX XXXXXXXX XX/XX/XXXX : {$55.00} XXXX XXXX XX/XX/XXXX : {$83.00} XXXX XXXX XXXX {$180.00} I have requested a credit as these charges were not authorized and the card was stolen. I have provided documentation of my XXXX to Chime which proves these charges were not made by me. I did not authorize anyone else to use my card. The card was reported stolen, and I am no longer in possession of the card. Chime has notified me that that will not provide a credit for theses charges.
Consumer complaint received 2019-07-24
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: Innovis (TX)

CBCINNOVIS has placed a credit inquiry on my credit file on XX/XX/XXXX that was never authorize by me. I have called them to inquire about this and they referred me to a company call Guaranteed Rate. I have contacted Guaranteed Rate via email at XXXX on XX/XX/XXXX at XXXX and spoke with a representative by the name of XXXX XXXX . In like manner, I contacted them via phone calls on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. During my phone calls I was transferred to account manager Mr. XXXX XXXX who told me that he submitted a correction for the reversal of the inquiry to be made since it was made by mistake and that he was going to submit the correction to the credit bureaus XXXX, XXXX, XXXX, and CBCINNOVIS but the credit bureaus day they never received anything from him. 

In addition, I have affected by this error greatly by my credit score dropping from XXXX to XXXX that day alone. Before this, I had been working really hard to keep my score increasing to XXXX by paying my bills on time and removing other accounts that never belonged to me which hasnt been an easy process. It is unfair and a violation of my consumer rights what CBCINNOVIS has done along with Guaranteed Rate. Please assist me in resolving this matter.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid 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: DISCOVER BANK (CA)

I made a hotel reservation for a work trip that stated it was non-refundable if cancelled more than 1 day after booking. My plans changed and I cancelled the reservation within 24 hours. The charge remained on my card. I contacted the hotel and they told me to dispute it with my credit card company. I did so in XXXX. In XXXX when I had not heard anything further I contacted Discover to inquire about the status. I was told the case had been closed in the merchant 's favor in XXXX. I asked why I was not notified and they said that they normally notify the customer. I told them I had provided an email from the hotel confirming the reservation was cancelled in the appropriate time and I was told to forward it to them and Discover would be refunding the charge " out of their own pocket ''. A week later I received an email from Discover to call in for important information about my account. I called and spent 5 hours on the phone with 10 different Discover employees, all of whom had no idea why I was asked to call. Finally I spoke to a manager who placed me on a conference call with the hotel and allowed the hotel manager to berate me and lie on the phone. When that was over the Discover manager laughed at me and stated that I would never get this money back then hung up on me. I then called Discover corporate and logged a complaint and asked for the refund I was told I would receive. 4 days later I received a call from someone else in corporate who told me they would not be honoring the offer of a refund and that the agents had been " spoken to ''. When I asked for a manager I was told there was no one further to speak to. When I asked to be transferred to the department to close my account I was hung up on. 

I have been told that Discover will refund this amount as they never notified me of the status of the case and subsequently been subjected to abuse by Discover and hotel employees.
Consumer complaint received 2022-08-27
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. (AZ)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX ; ph : XXXX. 
XXXX XXXX ; ph : XXXX. 
XXXX ; XXXX. 
XXXX XXXX ; XXXX. 
XXXX XXXX  ; address : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ph : XXXX. 
XXXX XXXX XXXX  ; ph : XXXX. 
XXXX XXXX XXXX ; XXXX. 
XXXX XXXX ph:XXXX.

jpmcb XXXX XXXX ph:XXXX.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NY)

on XXXX/XXXX/XXXX  I purchased 3 seats to XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX ORDER # XXXX I was told to verify my email address i did so and the tickets would be emailed to me THESE TICKETS WERE NEVER EMAILED to me at i sat in the parking lot with no tickets I disputed this charge and was lied to several times from VIVID SEAT and SYNCHRONY BANK telling me the had proof these tickets were in fact sent to me and never were I have asked to have this case opened three times and still no proof this is a complete scam i will not pay this charge of {$800.00} as I never received any tickets Please help
Consumer complaint received 2022-05-30
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)

My acct was with XXXX and I had a payment plan with them back in XXXX  But I stop making payments because the school that I got the loan through which was XXXX XXXX ended up closing down and I found out that I couldn't use my certificate anywhere .Jobs and places was saying they needed more proof. so this have been on my credit all these years and now XXXX have sold my information to another company without my permission and they are calling me to still collect.
Consumer complaint received 2021-08-15
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. (MA)

two fraudulent accounts were being reported on my credit as having a balance due with XXXX XXXX. i disputed the items with all credit bureaus including XXXX. the accounts in contest were deleted from my XXXX report on XX/XX/21 after investigation. 
the items have now been reinserted which is a violation of the FCRA. the amounts of the accounts are for {$3300.00}, and {$11000.00}. all documentation has been provided to XXXX, and to XXXX XXXX through XXXX.
Consumer complaint received 2019-07-02
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: SYNCHRONY FINANCIAL (MO)

I DO NOT KNOW WHO THESE ACCOUNTS ARE : XXXX XXXX {$3300.00} XXXX XXXX SYNCHRONY NETWORKS {$1500.00} XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX FIRST XXXX XXXX {$980.00} XXXX XXXX
Consumer complaint received 2019-08-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

On XXXX, XXXX XXXX XXXX, I attempted to send $XXXX   from my Ally Bank savings account using XXXX. A message popped up saying "Payment Limit Exceeded" and that to stay within my limit, I can send $XXXX  now or send the full amount as a standard delivery which can take up to 3 days. When I attempt to send funds as a standard delivery, I receive a similar error saying "Payment Limit Exceeded" and that my remaining limit is $XXXX I have been using Ally Bank for years, and I have been the XXXX to send funds within minutes from my Ally account in excess of $XXXX for over a year. I contacted the Ally bank via phone and Ally Messenger and was told "an issue with the XXXX, as we review the limits allowed. This is only a temporary issue but, unfortunately, we do not have a time frame on the fix." This is an unacceptable issue for a bank to have, to limit and hold a consumer's funds without providing notification of an ongoing issuer or a time-frame for resolution. The limit for XXXX  should be $XXXX as the Ally Bank Help Center, accessed XXXX XXXX XXXX, online at [XXXX] says:What are Ally Bank’s limits for sending or requesting XXXX   payments?Ally Bank LimitsAlly Bank Limits tableSPEED	LIMIT PER TRANSACTION	LIMIT PER DAY	LIMIT PER 30 DAYSIn Minutes	$XXXX	$XXXX	$XXXXStandard (Next-Day or 3-Day Delivery)	$XXXX	$XXXX	$XXXX
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I contacted Citibank about a charge of {$59.00} from XXXX XXXX XXXX from XX/XX/XXXX. According to Citibank dispute resolution team, I did not answer some questions correctly and the case was closed. In the meantime I had been calling checking the status and different representatives told me that I should be receiving notification by XX/XX/XXXX. I received no letter. I was advised to reopen the case by sending a letter of appeal. I contacted the dispute departments several times and more than one supervisor stated that the letter was in their system and to expect an answer by XX/XX/XXXX. I called today and was informed by a supervisor that the case was closed again. Apparently no letter of explanation went out. She told me that I need to contact the merchant. The merchant was the one who told me to dispute the charge. I need to escalate this complaint because I have an active account since XXXX, paying monthly service fees and deserve better customer service and at least the courtesy of a written notice if my dispute was not approved.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

These five accounts listed show the wrong status & balances on the credit reporting bureau. I have previously contacted the credit bureau. 


XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2019-07-01
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: Credit Karma (KS)

I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on credit karma and XXXX XXXX report. Inquiry is from XXXX. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call XXXX they tell me that it's not them and is on my report fraudulent to contact again credit bureau and credit karma.
Consumer complaint received 2019-07-11
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: SYNCHRONY FINANCIAL (IN)

I believe my daughter may have her identity jeopardized. I have received XXXX notifications regarding declination of services/credit but she is a minor. She did not authorize any agency nor requested any information from any agency regarding credit. 


Regards, XXXX XXXX
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

This inquiry is regarding credit card interests as it pertains to citibanks consent order XXXX XXXX. I would like to have my shell credit card account reviewed pursuant to this order. I have called Citibank and Shell,  and my phone call was passed on from representative to representative. 

As a potential affected consumer and pursuant to Consent Order, File No. XXXX, please review this account for the following time period XX/XX/XXXX- XX/XX/XXXX and beyond as appropriate. Shell account ending in XXXX.
Consumer complaint received 2019-07-02
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. (CA)

i have never been late to this account. i have records of all my payments sent to XXXX XXXX and XXXX for this vehicle. 

on the month of XXXX XXXX apparently misplaced my check and payment. 

i paid my XXXX payment on XX/XX/XXXX Check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. 

later on i spoke to XXXX and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.
Consumer complaint received 2019-07-01
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: LEXISNEXIS (SC)

I've been a victim of identity theft..I filed a police report and I need to get this removed off my report there are several inquiries and an apartment listed on my account that doesn't belong to me I also have different names and socials that I have no clue about ... please remove
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

Amazon has been notified numerous times to cancel charges and have been doubled charged for items I returned within the return policy and now I just received a product to contact them and im not contacting them again to return item and receive refund. A solution is being given refund and canceling the monthly charges and getting my money back.