davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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: EQUIFAX, INC. (NJ)

I have been a victim of Identity theft and have requested an investigation from the credit bureaus. As part of my request, I provided a copy of my Identity theft report with proof of Idenity... ( ID and SSN Card ). I also requested a fraud alert be placed on my credit profile as well as the removal of the fraudulent accounts and any addresses associated with the fraudulent accounts. The bureaus have responded by asking for more verification which I have provided.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-08-07
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-03-15
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: JPMORGAN CHASE & CO. (WI)

A company that has an F with the XXXX  and hundreds of complaints for stealing peoples money charged me {$190.00} in XXXX for pillows. I never received the pillows. I disputed the claim with chase. This pillow company sent chase the bill tat I paid, but never sent Chase the tracking number and never claimed they shipped my order. Chase ruled in favor of this fraudulent company. Chase is a big bank with no soul that sided with crooks over their long time customer.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-26
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-07
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. (OH)

TO WHOM IT MAY CONCERN MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXXXXXX XXXX  I HAVE FILED MULTIPLE REPORTS OF INFORMATION BEING STOLEN AND REPORTED FROM PREVIOUS ADDRES VIA MAIL I HAVE NEVER REXEIVED PROOF OF DEBTS OWED VIA CERTIFIED RECEIPT VIA CERTIFIED MAIL THE FOLLOWING ACCOUNTS AND NUBERS ARE UNAUTHORIZED AND VIOLATES MY FCRA XXXX, AND XXXX CONSUMER RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

My XXXX XXXX credit card had a limit of $ XXXX upon opening acct in XXXX. I have never been late & always paid more than the minimum payments. Suddenly, in XXXX they lowered my limit to {$700.00} which was about the same as my balance. The reason for this was stated as I had too many credit card accts, & I did not have a mortgage they could verify. They are correct on that I do not have a mortgage, I inherited my home from my XXXX & it is fully paid for & I am the sole owner. I also have XXXX other accts with Synchrony bank which are XXXX, XXXX, XXXX. They also lowered limits on these for apparently the same reasons. I have since paid off {$8000.00} or more on these XXXX accts in the last year making my combined balances less than {$2000.00} when the balances owed had been about {$11000.00}. My credit score is XXXX or above, although that seems to fluctuate daily like the wind. I have about 20 % usage compared to limits on all my credit cards combined which I am told is great as long as you are less than 30 % usage. I tried to call & speak to someone again today XX/XX/XXXX & they told me to contact the credit bureau then they hung up. That is nonsense as the credit bureau has nothing to do with increasing credit limits. There is absolutely no reason they should not approve a credit limit increase from {$700.00} to at least half of what it was in the beginning. That number would be {$3000.00} as the limit was almost {$6000.00} upon opening this acct.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (LA)

At first I absolutely loved sofi, especially how you can do everything in the app from investing to creating savings vaults. However my opinion has greatly changed since my account was restricted a week ago. Money can come into my account but not out. I've called every day since for an update but they won't give me answers due to it being under review by their " internal review team ''. I have been unable to access my funds at all and I'm about to default on some bills, thank good I have a good relationship with my father who is helping me for the time being. I'm extremely frustrated that they will not give me any answers on how to resolve this or even why it was restricted in the first place.
Consumer complaint received 2024-08-07
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-20
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: ALLY FINANCIAL INC. (FL)

I purchased a vechicle and due to this was our first car loan and we are self employed I couldnt get approved they took 3  months of them pulling my credit after pulling from XXXX to XXXX same Companies each month kept pulling thisnis illegal I never authorized it 4 months straight and destroyed my credit and now since they ruined our credit we can get approved to even rent a place please help they killed our credit in one month it dropped XXXX points help please
Consumer complaint received 2024-08-07
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. (RI)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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)

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 : Account Number : XXXX : Balance : {$180.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$7800.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

To Whom It XXXX Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you. 

These discrepancies are honestly impacting my life. I never authorized these, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well violation to my privacy. I am requesting your credit bureau to initiate an investigation to determine the responsible parties. I respectfully request a copy of any documents and an updated copy of my credit report according to 15 U.S.C.Sec.1681i ( a )? there should be no charge. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter. 
Thanks
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me. I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.
Consumer complaint received 2024-08-07
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)

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Northern Trust Company, The (CA)

This is another issue with Northern Trust Co. When my trust account was resigned and transferred by them to a successor company in XX/XX/2010, about {$200000.00} disappeared from the account and in that final month of the closing account they made {$58.00} thousand purchases which also was never paid back
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (GA)

In XXXX and XX/XX/year> there were two separate student loans taken out in my name the first one was for the amount of {$19000.00}. The second one was for the amount of. {$11000.00}. The loans were taken out for my daughter XXXX XXXX who was XXXX XXXX XXXX XXXX not me I had no knowledge of any loans being taken out. I did not sign any paperwork I did not fill out any paperwork. I contacted the financial Institute and they had all false information. They had the wrong email address wrong address, wrong phone number. They have the correct information now because I gave it to them, these loans do not belong to me and I do not think its fair that I have made several attempts to try to get them off of my credit report so I am asking that a full investigation be made regarding these accounts
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I filed for and was approved for the TPD discharge of my Federal Student Loans. My Nelnet balance is at {$0.00} showing the accounts Paid In Full and its the same with the Department of Education. My credit reports with all XXXX bureaus are still showing that I still owe the full amount of the loans and that the accounts are still open. This information is incorrect and I have disputed this with all XXXX bureaus and Nelnet and even reached out to the Department of Education with no resolution to this yet except to wait up to XXXX or 180 days for the information to change. I have had to look for new housing lately due to an abusive roommate that I have had to call the police on several times and have even been denied housing over the last month at several places because of the credit impact these loans are still having on my credit report. I should not have to get denied housing because this information is being reported incorrectly.
Consumer complaint received 2024-09-21
Product: Credit 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 (NC)

Order placed on XX/XX/year> with XXXXXXXX XXXX XXXXXXXX, delivery promised within 6-8 weeks. 
8 weeks passed and no delivery information was forthcoming. Called XXXXXXXX XXXX XXXXXXXX several times and told someone would call me back with delivery information. 

I Never received any delivery information or call backs so on XX/XX/XXXX I opened a dispute with Discover card. I have contacted Discover card several times and they give me different information each time I call/chat. The dispute is resolved in my favor. The dispute is still open. I have to wait longer for an answer. 

I feel that almost 5 months is more than sufficient time to have a final resolution to this matter. The item was never shipped, Discover acknowledges this yet they keep telling me the dispute is still open. 

I feel there is no consumer protection and I am being held hostage indefinitely. I would like to order a table from somewhere else but I am afraid that I am still on the hook even though its been 5 months.
Consumer complaint received 2023-03-15
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (LA)

They closed my account for no reason at all after taking money out the atm. I tried to transfer money to my girlfriend and it was locked again this time I was told my account was closed. I have bills and can not wait 30-60 days or I will be evicted from my home
Consumer complaint received 2019-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was incorrectly charged XXXX by my insurance company and I disputed the charge and got a claim # XXXX and was credited then by my bank but then they denied my claim informing me by letter that my insurance company had already fixed the issue by crediting me XXXX when this had nothing to do with the XXXX charge. The XXXX charge was completely unauthorized and had never gave the company premission to take that payment out and they took it without my authorization so I cancelled all my policies with them since I had already paid them and had time left on policy so was refunded the XXXX related to that time left but the other charge of XXXX wasn't related to that I was informed it had to do with amounts they said I owed that I had already paid with another card but they charged this account as well and refused to refund me them when they were already paid and weren't given authorization to take the XXXX out. I only speak XXXX.