davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (KY)

I contacted LexisNexis by phone on XX/XX/XXXX to dispute the record of another name, address, auto policies, auto claims, license, and other incorrect information listed on my credit report. I purchased a new vehicle and was getting insurance quotes from companies with very high prices for my clean driving record. Finally XXXX started asking me about an accident that occurred on XX/XX/XXXX that I never had. They gave me a reference number and told me to contact LexisNexis. I did so and disputed all inaccurate information on XX/XX/XXXX. I was told within 30 days they would investigate and send me an updated letter to access the new report. The dispute results from XX/XX/XXXX did not remove the fraudulent person from my report! I still have this other person who lives in Georgia that I do not know and I have never been. Her disastrous driving record is not allowing me to get insurance on my new car. I need all records of this person removed from my consumer report record. I sent email to LexisNexis at XXXX on XX/XX/XXXX again disputing all fraudulent information. Until this information is removed I can not get car insurance on my new car. I can XXXX XXXX my new car until I have auto insurance. I need this resolved ASAP!
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX has violated my rights. Information is inaccurate. According to the following US Codes 1681 ( b ), US Code 1962, US Code 6801 and US Code 605. They are in violation of my rights. 

Personal information should list : ] the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX employer : XXXX { ; ease remove any other names and address asap an for maximum accuracy In Violation of my rights according to US Code 1692 and US Code 605. The following accounts are reported INACCURATE please remive late status XXXX violation of US CODE 1692 never late XXXX XXXX violation odf US Code 1692 never late XXXX XXXX XXXX violation of US CODE 1692 NEVER LATE XXXX XXXX violation of us code 1692 never late XXXX XXXX XXXX violation of US Code 1692 never late XXXX XXXX XXXX violation US Code 1692 never late accounts involved in identity theft -remove late payment ststus asap or civil law suit will take place
Consumer complaint received 2023-05-09
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. (IL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (UT)

Repeated Unauthorized Double Charges on Apple Credit Card by Goldman Sachs I am writing to file a formal complaint regarding repeated unauthorized double charges on my Apple Credit Card, issued by Goldman Sachs. Over several transactions, I have been charged twice for purchases, leading to financial discrepancies and inconvenience. Despite contacting the merchant involved in the most recent incident on Monday, who confirmed that they only charged me once, I was still billed twice for a {$160.00} purchase. This is not an isolated case but a recurring problem with various merchants, causing significant concern. 

I am aware that other customers have reported similar issues online, indicating a potential pattern of deceptive practices by Goldman Sachs. I am seeking your assistance in addressing this matter and ensuring that appropriate action is taken to prevent further occurrences. 

Thank you for your attention, XXXX XXXX
Consumer complaint received 2023-10-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Arcon Credit Solutions LLC (CA)

Asked the debt collector to stop calling still called with numerous spam numbers, now they are reaching out to my family members telling them for me to call them to resolve my debt and is giving my family all info regarding the debt, from who I owe to all the info to pay the debt
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Valon Technologies, Inc. (MI)

XXXX mortgage decided to decline my application 5 days before our closing date. I was then told I would need a co-signer. Fine. I am an out of state buyer, and continued to fly to the property because I was continuously told everything would be fine. I arrived in the state and waited XXXX! Before finding out they never even submitted the co-signer paperwork. Sellers were XXXX and had me sign saying Ernest money would not be refunded if no financing. At the time of writing this, I'm still out of state just waiting for Valon to approve or deny my loan. Possibly wasting all week, plane tickets, hotel costs and Ernest money. Their lack of communication is absolutely abismol and everything they tell me is never the full story. Valon had no clue when my closing date was, my loan processor didn't even know my email address.
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (DE)

I am resubmitting this complaint we going well over XXXX year that I got into this accident. The company has yet to provide me with a proper balance they received payment but have not applied the payment, I also had XXXX insurance and no one can explain why it was not applied I still have a charge off and No resolution. 

In XX/XX/XXXX I entered into a auto finance agreement with Bridgecrest XXXX Acceptance Corp, the financed amount included additional XXXX insurance coverage. In XX/XX/XXXX I was in a car accident, at no fault of my own. I filed a claim with XXXX after some time my car was deemed a total loss. I signed the required releases and the XXXX adjuster proceeded to notify Bridgecrest. On XX/XX/XXXX Bridgecrest emailed a total loss notification to me. In the email I was asked provide a Vehicle evaluation and Settlement breakdown. The email also instructed me to include my account number and VIN on each page. The methods I was given to return the documentation was email or fax. On XX/XX/XXXX I sent an email to XXXX with the required information that was requested. I did not receive any correspondence from Bridgecrest or XXXX, XXXX, who apparently is involved with my XXXX insurance. Because I signed all releases for XXXX  to issue payment to Bridgecrest and Bridgecrest nor XXXX, XXXX contacted me further I assumed that the car issue was resolved. On XX/XX/XXXX I reviewed my credit report in anticipation of purchasing another vehicle. I found that my account with Bridgecrest showed charged off with all XXXX credit bureaus. I called Bridgecrest and was transferred to what I think was collection or charge off department. I was told my account had been charged off and no payment had been made, when I inquired about the insurance payment and XXXX insurance payout, I was told that because no payment had been received that XXXX had not paid out, I asked why insurance had not paid I was told the payoff offer was less than the amount owed on the loan. I thought the entire purpose of XXXX  insurance was to cover the XXXX between the amount insurance paid and the amount owed. I was told that I needed to talk to the total loss department, but I could not talk to them as a customer only insurance adjusters could contact them. On XX/XX/XXXX I called the XXXX  and she explained that they are waiting on Bridgecrest to return the letter of guarantee. She said as soon as that letter is returned she can issue payment immediately, but shes been trying to contact Bridgecrest and know one from Bridgecrest or XXXX had returned her calls or emails and she has been trying to get this letter to be returned so she can issue payment and resolve my claim. They gave her a contact person by the name of XXXX as of today XX/XX/XXXX XXXX has not responded either. I dont believe this will ever be resolved
Consumer complaint received 2024-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive sent numerous documents proving that the incorrect account werent mines due to fraud. And theyve repeatedly ignored my claims and my request to have those incorrect items remove. Ive also included a police report backing up my claims and theyve continued to ignore me and not follow the proper protocols.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NM)

On XX/XX/XXXX my cellphone was stolen out of my shopping cart at XXXX in XXXX XXXX, XXXX XXXX. I had no password or biometrics on my phone to use it. All of my apps were logged into for easy access and my debit card was saved in those apps. A few days later my debit card started having unauthorized transactions. I filed two disputes and quickly was denied. Come to find out they NEVER investigated my claims and NEVER even contacted the companies. My checking account is with Chime. Dates, apps used, and amounts of those fradulent transactions are below : XX/XX/XXXX {$28.00} XXXX XX/XX/XXXX {$33.00} XXXX XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$23.00} XXXX XX/XX/XXXX {$27.00}. XXXX XXXX XX/XX/XXXX {$67.00}. XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX {$52.00}. XXXX XX/XX/XXXX {$0.00}. XXXX XX/XX/XXXX {$26.00}. XXXX XX/XX/XXXX {$32.00}. XXXX XX/XX/XXXX {$27.00}. XXXX Timeline of events below : XX/XX/XXXX Cellphone stolen at XXXX XX/XX/XXXX Unauthorized transactions started XX/XX/XXXX Called Chime and opened two disputes. Each disputes had multiple fradulent transactions which are stated above. 
XX/XX/XXXX Chime denied and closed both disputes. 
XX/XX/XXXX I called each company involved in my disputed transactions and each company said they were never contacted by Chime and they never received any filing of chargebacks. 
XX/XX/XXXX Called Chime and filed a rebuttal to each denied dispute. I then filed an online police report. 
XX/XX/XXXX Filed a complaint with Consumer Finance online. 

Proof I have to substantiate my claims : Each transactions resulted in deliveries of orders sent to an address I've never lived at, been to, or had my billing address at. 

The two XXXX transactions even had a name on the deliveries that I'm not familiar with. 

I have screenshots of every order showing the same strange address. 

During this time I had to buy a new phone since mine was stolen. The XXXX XXXX XXXX transaction showing this is listed on my Chime checking account which proves I had to buy a new phone. 

I also received numerous fraud alert texts from Chime during this time. 

I also ordered a replacement debit card and reported it to Chime as stolen and was mailed a new card. 

Be aware if you use Chime.
Consumer complaint received 2023-08-21
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: 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.

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 2024-09-18
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. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-05-05
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. (PA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX/XXXX  XXXX 6.XXXX XXXX 7.XXXX  XXXX 8. XXXX XXXX  XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. ORIGINAL CREDITOR XXXX 14. XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Subject : Unfair Credit Card Fees and Practices by Capital One To Whom It May Concern : I am writing to file a formal complaint regarding my Capital One credit card account, which was closed by the company in XX/XX/year>. At the time of closure, I had a balance of just over {$200.00} on a credit card with a {$300.00} limit. Since then, I have paid {$130.00} towards this balance. However, due to excessive past-due fees, my balance remains at $ XXXX my credit limitand has not decreased despite my payments. 

Capital One has charged me a total of {$130.00} in past-due fees, and when I called customer service to resolve the issue, I was told that I was required to make monthly payments of over {$100.00}. This amount represents nearly 50 % of my credit limit, and it includes various added fees that continue to accumulate, preventing me from making any meaningful progress toward paying off the card. 

As a person currently struggling in this economy, I made a payment of {$70.00} in XXXX, which was more than I could comfortably afford. Despite this effort, I was charged another {$40.00} fee, which consumed more than half of what I paid, further burying me in debt. These fees are preventing me from paying off the card, as every payment I make is effectively wiped out by new fees. 

I believe these practices are predatory and are designed to keep customers trapped in debt. I have made sincere efforts to resolve this issue with Capital One but have been unable to do so. I am seeking the assistance of the financial bureau to review this situation and help me reach a fair resolution, as I feel I am being unfairly charged. 

Thank you for your attention to this matter.
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. (TX)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).