davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

Talked to a representative at XXXX on XX/XX/23 at XXXX XXXX. She explained they needed my address and I verified my address and I asked her what has the company ( XXXX ) done to fix the error on the credit report she said they have updated that information and just needed to verify my address. XXXX still has the same information no correction or removal of the information of another consumer information on the report the only thing that was updated was my address at the bottom of the report but the same information as the refuse to remove the information. I have sent my information to an attorney as I have tried to rectify the situation by including CFPB and XXXX
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Discover states that a letter was sent in XXXX, 2020, alerting me that my account would be closed due to inactivity. I never received the letter. I was alerted by a credit reporting service that my account had been closed on XX/XX/XXXX. I called Discover on XX/XX/XXXX and told their representative that they should have sent a warning electronically through their app or online service center. This was an older account that I wanted to keep. Had I received that warning, I would have done what was necessary to keep it in good standing. Instead, during a world wide pandemic, when people are struggling financially and not going out to shop and eat, my account has been closed and I no longer have access to that credit. Furthermore, my score took a hit for this cancellation.
Consumer complaint received 2024-03-22
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Processing Services, LLC (TX)

XXXX XXXX called and said that I had an outstanding debt from a XXXX XXXX company in the amount of {$1200.00}, but I could settle for {$380.00}. I was told not settling would lead to having my wages garnished up to 35 %. I told her she didn't even let me know who I owed the debt to and she said XXXX XXXX XXXX. I asked when it was as I don't have any outstanding debt and she said it was from 2014. I let her know that Texas has a statute of limitations on collections even if this was my debt and she said since it was a bank product, they could " take me to jail for it if they wanted to. '' I asked why I hadn't received anything in the mail and she said they had been sending me mail for " many years '' to my address, where I've only lived for 3 years. I asked for a validation of debt to be sent via certified mail and she said they are just the process server and the paperwork is " with my file '' with the original debtor so they can't send it to me. She also told me I would have to prove in court that I never received any documentation from the company if I didn't want to pay the settlement amount right then.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (CA)

There are dept collection letters and bills sent to an address that is not mine. I know the person that the letters were sent to but don't know anything about these accounts. She would like to stop receiving these statements/bills/collection letters sent to her address. 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-16
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: Fidelity National Information Services, Inc. (FNIS) (AR)

Chex Systems , IncXXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX  XXXX XXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. XXXX XXXX  XXXX and XXXX XXXX  XXXX won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXXXXXX XXXX or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. 

The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. 

Chex Systems , Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account.

They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from ChexSystems report ; and engaging in other misconduct. 

As a result of their failure to comply with its legal obligations and negative reporting of reporting to ChexSystems, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. 


Defendant ChexSystems violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my ChexSystems report and by misreporting and failing to delete inaccurate information on my ChexSystems report, thus damaging my ability to open a bank account.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

i contacted citibank to see when was my XXXX acct closed and their incompetent customer servcice is unable to answer a simple question even tho i am providing all the info requested. 
i need the bnak to provide records or will escalate the case further and request fioa.
Consumer complaint received 2023-08-30
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXXXXXX 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
Consumer complaint received 2023-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2023, I received notification from XXXX XXXX that my TransUnion score had gone down XXXX points. When I logged in to the app the change was caused because a collection account for {$410.00} that was previously disputed had been removed, but placed in the closed accounts instead of being totally removed from my report. On today, XX/XX/2023 while viewing my credit report, that same account has been placed back into collections by TransUnion.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (VT)

When I opened this card I had incorrect information on my credit report leading to me having extremely high interest. I have since discovered and corrected the error. I have spoken at length with Goldman Sachs employees to see if there is any allowances, processes, etc. To re-pull my credit or otherwise base my APR on my actual credit worthiness. I have continually been contacted by people who refuse to answer my questions or generally do not understand the question, but are happy to tell me there is no possible way to lower the APR.
Consumer complaint received 2023-01-27
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PLANET HOME LENDING, LLC (MD)

As of XX/XX/XXXX my loan was paid in full for the amount I originally agreed to pay, not a short sale or anything less that what the loan was agreed on. I previously had a modification on loan in XXXX. The information being provided in the matter of late payments past 90 days has negativity impacted me in my ability to be approved for housing. I'm a father that is struggling to relocate and find a home given the information that is being reported by Planet Home Lending. After speaking with several representatives from Planet Home Lending, they denied my request for deletion off my trade-line. 

I explained how the reporting impacts me and holing me back from moving forward in life. The response from Planet Home Lending was to show the the attached document stating that the loan is paid in full.This document means nothing because the I will continue to be denied given the number of late payment beyond 90 days. It's inappropriate to report negative information given the fact that the business relationship is OVER. I have fulfilled my agreement and I'm simply asking for Planet Home Lending to DELETE all reporting off my trade-line immediately. This company has no right to still report on my credit given that my loan is paid in FULL. It makes no sense to negativity impact an individual that have resolved the loan, we have no more business therefore that company has no right to appear on my credit report. This is harsh, cruel and uncalled for. I'm being judged and denied for a business matter that I have fulfilled and no longer have any ties to. Can someone please help me in working to delete the reporting of payments that exceeded 90 days. The reality is, no one will take a chance on me given the information this company is reporting. Planet Home Lending did inform me that the plan to report to the 3 credit agencies on XX/XX/XXXX that this loan is paid in full. That not enough for me, I need this line item deleted off my trade-line. A logical, reasonable and ration individual would understand the impact and made the right decision. I pleaded my case to several individuals for the company to call me and tell me that they would not honor my request for deletion. Please HELP!
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION (CO)

I applied for the credit card including a request to transfer a balance according to the terms offered by Pentagon Federal Credit Union. My credit was locked/frozen and I was informed that I needed to lift the freeze, which I completed. I was informed I was approved for the card. 

Days later, I received a notice in the mail that I needed to submit a signature card to access my account. I immediately provided the requested documentation. No further communication was sent. 

Weeks later, I attempted to login to my account to verify the status of the balance transfer. The website informed me that my access was frozen. Via email, I was told that my account has NOT been approved because they require additional documentation that was not included in the original terms. I was not sent any request for this additional information. They are using the USA PATRIOT ACT as an excuse to deny me credit by requiring information that has never been required for me to receive additional credit. 

They are holding credit in my name hostage for additional unnecessary verifications that are unreasonable for me to provide, since all my information has been verified sufficiently to this point.
Consumer complaint received 2024-03-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Fl XXXX XX/XX/year> Experian, XXXX, XXXX, dispute department XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXXXXXX XXXX XXXX. account number XXXX XXXX XXXX  account number. XXXX XXXX XXXX Account number. XXXX XXXX XXXX  account XXXXXXXX XXXX  account # XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX. account number XXXX XXXX XXXX account number. XXXX XXXX XXXX  Account number. XXXX XXXX XXXX account XXXX XXXX  account # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that experian, XXXX, XXXX has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Experian, XXXX, XXXX will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

On XX/XX/XXXX I received an email from Chime with an IRS-B Note saying I needed to send them the W9 form and copy of my ID for verification. In the email it also said that if I didn't send the documents my account would be blocked. After submitting the documents several times and receiving several automatic emails saying the same thing finally on XX/XX/XXXX they sent me an email saying that they had approved and that I didn't need to do anything else. 

Until then the experience had been bad but there was a deadline and clear communication. Yesterday ( XXXX ) Chime simply blocked my account ( checking, savings and credit card ) without any prior notice and asked me again for the same documents. We are back to the same point of sending and receiving automatic emails. With the difference that I am sending the same documents that had already been previously approved and I can not use my own money. It is an endless lack of respect in a bank that no longer has any trust on my part. I called customer service who basically couldn't help with anything, just escalated and asked to wait for the next email. I receive my salary in this account, I have money there, I have a credit card and this bank, without any notice, felt entitled to block my money.
Consumer complaint received 2023-11-21
Product: Credit reporting 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. (IL)

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX  XXXX XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues
Consumer complaint received 2024-03-22
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. (AZ)

I have old inquiries dated XX/XX/year>. According to FCRA inquiries are only allowed on report for 2 years. I have called and asked for it to be removed and was told that the inquiries were valid and would be removed sometime in XXXX which is over the allotted time to report inquiries
Consumer complaint received 2023-05-09
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. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-22
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. (MA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-12-12
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. (CA)

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 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 An 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 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 all most be remove immediately