davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-31
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (VA)

I accidentally locked my account because I couldnt remember my XXXX. I had called in 3 weeks ago and they asked for a copy of my ID front and back. They continue to deny my id with different excuses of why they cant take it. I have sent it in 4-5 times now.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NJ)

I made a purchase from Macy using Macy 's credit card ( ending in XXXX ) and I had a mis a payment. Citi Bank who is the provider of the credit card reported mis payment and my credit score decreased by XXXX points on XX/XX/XXXX. When my bank informed me via email of the change in credit score, that's when I checked and realized I had an outstanding payment. Because Macy 's do not send any emails or paper statement I forgot to pay. I subsequently paid the outstanding balance. After that payment I received a late fee of {$77.00} and I paid that too. Then I received another notification from my bank that my credit score had decreased again. When I check my credit report, it decreased by XXXX points because Macy reported that I owned {$2.00}. 

I called Macy and asked what was the {$2.00} for because there is no statement on the website explaining the {$2.00}. I was told its interest on the late fee that I had already paid. I asked why it was not included in the late fee itself and not after the fact. I paid the late fee as soon as it was posted on Macy 's website. After contacting Macy on two different occasions the {$2.00} was withdrawn from the outstanding balance but the damage to my credit report remains. 

I think Citi Bank is conducting fraudulent practices and I begged for someone to please look into this matter so that my credit score can be corrected.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (FL)

I submitted a dispute on XX/XX/XXXX because my debit card was used at a XX/XX/XXXX and someone withdrew money from my checking account. I do not use an ATM. I NEVER need cash. My PIN is on my card and it was taken or lost and then I noticed these charges. I immediately dispute and then I received a notice on XX/XX/XXXX, that there was no fraud. 

There was fraud, and I need this {$400.00} for Rent. SoFi denied my request.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

The Consumer Reporting Agency ( CRA ) created a consumer report utilizing my names, which intellectual property are the private property of my Irrevocable Trust, without my written authorization or consent and is furnishing information from that unauthorized consumer report - information that was collected under false pretenses - to banks and other lenders, which has resulted in adverse actions that have caused serous harm. The CRA is in violation of the Trust law, the Fair Credit Reporting Act and federal intellectual property statutes.
Consumer complaint received 2024-09-18
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. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-09-18
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-18
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. (IL)

In accordance with the fair credit reporting act account XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTIONS. 
Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. I expect you to delete these negative accounts.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I was speaking to them on the phone while asking them for records of my money and withdraw history including a in branch withdraw with the same ID provided for both opening the account as well as withdrawing money. I was then denied the paperworked asked for to be emailed to me. I then asked to a supervisor only to be told that I can not speak to a supervisor. I missed making my rent and also being able to even afford gas or food for my family during this time. They knowingly opened my account, took my money, let me make multiple transactions with multiple verification steps even asking my mothers age and what street i grew up on from public records but then refused to let me close my account or provide a resolution or documentation of the issue.
Consumer complaint received 2023-06-10
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ME)

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer idnetifies as information that resulted from an alleged identiy theft, not later than XXXX business days after the adte of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX This is so unlawful.
Consumer complaint received 2023-01-20
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX SQ XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item 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.
Consumer complaint received 2024-10-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (NC)

I have been trying to refinance for weeks after my rate was locked in. 

On the day of close the notary did not show up. The bank has refused to reschedule the closing and the notary and they will not call me back. Every customer service agent I get on the phone says they have to escalate and will call me back. 

It has been a month since I locked in my rate. The bank is trying to cancel this refinance. 

Freedom Mortgage bank - loan advisor NMLS # XXXX started this process and refuses to email or call me back.
Consumer complaint received 2024-09-18
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. (FL)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP ! !!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-09-18
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. (MI)

Re : Dispute of information in a consumer report Dear CRA Experian, I'm afraid I have to disagree with the accounts listed below which still appear on my credit report, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly detrimental and damaging to my credit score.

You are reporting inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information. 

Account Name : XXXX XXXXXXXX Account Account Number : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-10-31
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: ADP Inc. (NJ)

This company investigated themselves, and as one would expect they didnt find themselves doing any wrongdoing. Company has history of mishandling situations with their cardholders. Ive come to find out Im not the only person dealing with this similar problem with the same company. XXXX  of people are having the same problem and being treated unfairly. Im hoping Im the lucky one to receive justice. After finding that the investigation wasnt in my favor, I was confused. I thought it would be easy to realize that {$400.00} was never given to me from the ATM, but still taken out of my account. I attached receipts. I contacted wisely again on XX/XX/year> about the situation. After telling them about the situation and who I was. I was being put on hold a few times which led to line disconnecting, then employees pretending they couldnt hear me, then the same employees acting as if we werent just on the phone. Once I finally got through again, the alleged supervisor ( that seems as another regular employee ) gave me lackluster responses with no information on how they came to result with the investigation. They said theyll send me a letter with more details on how they came to the conclusion, within XXXX weeks. I told him to specify what would be in the letter about the investigation, but he told me wait because he couldnt. I knew by now ( from experience with them ) they were just trying to make me wait for another XXXX weeks for a letter that included dull and no added information. They mail letters to avoid authentic responses. I received the letter and there was of course no information about how the investigation wasnt in my favor. Supervisor then told me to contact the investigating team because he cant do anything but relay the message that they didnt find any wrong doing. The other option advised by the supervisor was to go to the building which the ATM was in and look at the cameras. 
Im coming to realization that i was unfortunately dealing with an unprofessional card service thatll take advantage of any opportunity they can capitalize on.

Receipts were shown and Im still being told to request more information to do further investigation. They want to prolong me more of this situation to come to the same conclusion. They use constant loopholes. This situation caused me a lot of headaches and time. I just want my money that I rightfully deserved. I used this card for years and would have never thought I would be treated poorly by a mistake not on my end. I was just hoping for a different outcome or approach because I have been a honest and loyal client to this company. Unfortunately, this company is still committing distasteful acts. They need to be investigated by others, not by themselves.
Consumer complaint received 2024-10-31
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

I called Direct Express and reported fraudulent transactions made on my card on the day it occurred. I asked if I could fill out or send my information via email. I was told by the first customer service representative that I could only fill out the form she was sending to me in the mail. After a week went by and I had not received the dispute form or my new card I called Direct Express to follow up on my dispute status. I then spoke to another person who did tell me I could send the information by email so I did. My concern was the delay in resolving my claim since they told me I had to get my dispute back to them by XX/XX/year>. This initial misinformation added days to my claim being investigated and getting my funds returned back to me. I live in California and the transactions were made in XXXX MI. The activity on my card verified there is no way I could have made these transactions that totalled over {$800.00}. The provisional credit I was told would not be issued until my dispute would be reviewed on XX/XX/XXXX and my account not credited until several days or weeks afterwards. 

I had my physical card with me at the time of the transaction and had not given my card info to anyone. My overall concern is the speed of returning my funds to me as I was left without resources to make my financial obligations. Direct Express does not have a direct line to file a dispute and a consumer must wait on the phone to get help and often the phone disconnects in the process of transferring to the card dispute area. 

I am on a fixed income and this length in getting a resolution impacts how I am able to live.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

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.

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 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Dispute of Late Payment Reporting under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ) and FCRA Dear XXXX, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account as reflected on my credit report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, I believe that the reporting of this late payment is inaccurate and in violation of several key statutes. 

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), transactions or experiences between me, the consumer, and XXXX XXXX are not considered to be subject to third-party credit reporting. Since this late payment pertains to a transaction or experience exclusively between XXXX XXXX and myself, it should not have been reported to any credit reporting agency. Therefore, I am requesting that you reverse this late payment and mark the account as current or have it removed from my credit profile immediately. 

Furthermore, under 15 U.S. Code 1666b, it is required that a creditor, such as XXXX XXXX, provide billing statements at least XXXX  days before the due date. I request that you provide documentation proving that my billing statements were sent to me within the required timeframe. If you can not provide these documents, this would constitute a violation of my rights under the XXXX XXXX Billing Act ( FCBA ) and further demonstrate that the reported late payment is invalid. 

Additionally, FCRA Section XXXX and Section XXXX support that any information on my credit report must be verifiable, accurate, and reported in compliance with the FCRA. If the late payment can not be fully verified in accordance with these sections, it must be removed from my credit report immediately. 

In light of these legal provisions, I kindly request that you : XXXX. Reverse the late payment and mark my account as current, or XXXX. Remove the late payment from my credit report entirely, and XXXX. Provide evidence that you complied with 15 U.S. Code 1666b by sending the required billing statements at least XXXX  days prior to the due date. 

If you are unable to comply with these requests or provide verifiable documentation supporting the late payment, you are required by law to remove the negative reporting from my credit file in accordance with the FCRA. 

I look forward to your prompt response and resolution of this matter within the XXXX timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

This account was charged off on the following date XXXX of 2018 of charged off. 
Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history.This inaccurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the Following account. 
Account Name - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX