davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NY)

Pursuant to the Fair Credit Reporting Act ( FCRA ), I revoke all Authorization, I may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802. I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

XXXX ) ALL HARD & SOFT INQUIRIES -must be removed as they are NOT open accounts per 15 USC 6801, I also invoke the PRIVACY ACT OF 1974 & 15 USC 1681 ( b ) - Permissible purposes.

I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion. 

XXXX ) TRANSFERRED LOANS/SOLD DEBT/ CHARGE OFFS Per the IRS Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See Pg3, IRS pub- p4681 - https : //www.irs.gov/pub/irs-pdf/p4681.pdf. 

XXXX ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. 
ALL TRANSACTION HISTORY AND ANY INQUIRIES MUST BE DELTED FROM THE REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY/ NON-PUBLIC INFORMATION. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED/PAYMENT CURRENT AND ALL HARD/SOFT INQUIRIES MUST BE REMOVED. 
XXXX ) ALL OUTDATED AND INACCURATE INFORMATION AS DISPUTED IN REPORT WITH REF # XXXX. 

XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted. INDIVIDUL NAME SHOULD BE FULLY IDENTIFIED BY ONLY ONE NAME XXXX XXXX XXXX ( First, Middle, & Last ) AND ONE MAILABLE ADDRESS ONLY CAN BE ON FILE.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (VA)

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (GA)

This company has nonstop made negative report about mine. Has violation of FCRA and face fines and violations. They are not verified and giving consent my me physically and I have not been anywhere near their website. Please remove or my credit attorney will file suits.
Consumer complaint received 2024-05-05
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: CLGF Holdco 1, LLC (LA)

XX/XX/2023 : Attempted to find out why 'Hard Inquiries ' continue to be displayed on all of my Credit reports without my permission. Results are affecting my credit scores and remaining on my credit report for 2 years etc... I have pursued help to repair my credit records, and yet companies continue to conduct Hard Inquiries without my permission. Requesting for actions to STOP.
Consumer complaint received 2024-05-14
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: DISCOVER BANK (IL)

I noticed unauthorized inquiries on my credit report that i would like removed, according to the FCRA these unverified and unauthorized items must be removed..i did not authorize these companies to run my credit and that is fraudulent
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (AL)

I am encountering difficulties accessing my Robinhood account after 1 ) changing my last name and 2 ) having a new phone number.

When I try to sign into my account, I am prompted to confirm my identity through an ID scan. However, when I upload my ID with my new last name, the application deems it invalid. 

When I try to use the " Forgot my Password '' feature, it requires me to confirm via text sent to my previous phone number, which I no longer have access to. 

I've been in contact with Robinhood for over a week, communicating with different representatives each time. However, despite multiple attempts to resolve the issue, I've been met with circular responses : 1 ) to click on a link, which I can not access because of issue mentioned above 2 ) ask me to provide my new last name. 
3 ) ask me to upload a new id with a court ordered name change. 

D

espite completing these tasks, Robinhood would claim there was insufficient or incorrect information on my submissions, leading me back to one of those 3 responses listed above. This cycle has persisted, leaving me unable to access a significant amount of money in my account. As my family is on the brink of closing on a house, this money is urgently needed. Despite Robinhood 's offer to call, I've never received any calls. 

I am happy to cooperate and provide any additional information or verification methods necessary to resolve this issue.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (KS)

We started several months ago trying to get our student loan payment lowered. We filled out all the information they needed and still havent heard anything. We received information saying our loan was in forbearance until first of year, but the online account states a large balance due. This balance due is XX/XX/. We chose to pay the principal on the loan, while it was in Congress. Please help us! We dont want this to affect our credit.
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (CO)

Alliant Credit Union refuses to process and provide me with a 1098 for my home mortgage in 2022. I've contacted the company several time requesting a 1098 for 2022 and each time was told they " were working on it ''. It is now past the XX/XX/XXXX deadline and no 1098 has been provided by mail or online.
Consumer complaint received 2023-06-07
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. (AL)

In accordance with the fair credit reporting act XXXX account theres are several accounts that violates my rights. 15 USC 1681 section 602 stated I have the right to privacy. 15 USC 1681 section 604 a section 2 : it also stated a consumer reporting agency can not furnish an account without my written Instructions. 15 US code is 1681a - rules of construction exclusion exception as provided in paragraph The terms consumer report Any reporting containing information solely as two transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-09-20
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. (GA)

In accordance with the Fair Credit Reporting 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 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX, XXXX. XXXX XXXX, XXXX, Georgia XXXX Experian, XXXX. XXXX XXXX, XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, California XXXX I recently pulled a copy of my credit report and noticed the following information is in error : 1 EXPERIAN - PULLED ON : XX/XX/XXXX *** NO RECORD FOUND *** IT SHOWS NORECORD FOUND 2 XXXX - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX NAME : XXXX XXXX NAME : DOB : XX/XX/XXXX SSN : XXXX MY SS NUMBER IS WRONG PLEASE FIX 3 XXXX  - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX THIS IS NOT CORRECT I BEEN LIVING IN THIS ADRESS FOR MORE THEN 3 YEARS NAME : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX XXXX REPORTED XX/XX/XXXX I I lived at these addresses. Since XX/XX/XXXX Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, PLEASE UPDATE MY PHONE NUMBER XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-21
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. (NY)

My name is 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. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (IL)

A Citibank representative provided incorrect information about making a payment on my account which resulted in a XXXX day late payment to be reflected on my credit report. I filed a complaint and a dispute directly with Citibank and was told that it was being investigated. I never received resolution and my credit report was not corrected. I have called numerous times and have been shuffled all over the company with no response to my inquiries.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am writing to file a formal complaint regarding the closure of my Chase Bank ( JP Morgan Chase & Co. ) account without reason on XX/XX/2023 by Chase Bank, and the subsequent withholding of my funds totaling {$1700.00}. Despite numerous attempts to resolve this issue, I have yet to receive a satisfactory response or the return of my funds. 

On the day of the account closure, I was not provided with any explanation for the action taken by Chase Bank. Since then, I have diligently followed up by visiting a branch to file a complaint in person and making several calls to Chase Bank customer service. However, each time I inquire about the status of my funds, I am met with vague responses claiming that my case is under investigation with no clear timeline for resolution. 

It is deeply concerning and distressing that my hard-earned money has been withheld from me without justification or explanation. This situation has had a severe impact on my financial stability and well-being, as I rely on these funds for essential expenses.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a business account with Bank of America in XX/XX/2022. I only opened one checking account, but 2 accounts were opened. The 2nd account that was opened was incurring fees that I didn't know about. No debit card or anything was ever issued. Eventually both accounts were dissolved and no paperwork was mailed.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

Ive had an account with chime since XXXX they are discriminating me. I had direct deposit for XXXX an a half years my spot me never rosed from {$20.00}. Plus theyve been taken my funds from savings without permission to transfer in ethier checking or under there credit acccount. This been taken my direct deposit putting in there credit account without my concent, once in XX/XX/XXXX I caught on to there wrong doings. I assure you the day I spoke to them about they credit account had glitches they switch policy of how they deal with the credit accounts which made it to where they front you money wen you dont have it like a credit line which was a lie. They take money from ur direct deposit and cover the cost u spend out your own money the month XXXX current month that wasnt fair at all. Now I cant read or dispute anything because my account cant read any of my transactions which leads every dispute denied. They only owe me {$900.00} thats it.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX at XXXX pm I received an email that there was fraud on my account. I was at the dentist, as soon as I arrived home at XXXX I called Citi and reported the fraud. As I was on the phone with Citi the 2nd transaction posted on my account.

Citi has cancelled the card and issued a new one as well as started a fraud investigation. I have no knowledge of these transactions, they were not authorized by me. 

XX/XX/XXXX {$2500.00} XXXX pm XX/XX/XXXX {$6300.00} XXXX pm - posted to my account as I was on the phone with agent. 

Total {$8800.00} XX/XX/XXXX filed police report with XXXX On XX/XX/XXXX Citi reported the balance on my credit report
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (NV)

XX/XX/2024 a staff member by the name of XXXX XXXX responded on behalf of Flagship Credit Acceptance. I was hoping that the CFO of Flagship will see the complaints I have been sending. CFOs of any company are aware of security payments. XXXX XXXX would not have any knowledge of this because she is not the CFO. XXXX XXXX also claims I have not sent in any proof. Here I have attached a 1099 form accepted by the IRS. Let me remind the company you cant collect on a debit that has already been paid for please do research or contact the IRS. Discharge this debit.
Consumer complaint received 2024-04-17
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. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX Bank ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( XXXX XXXX XXXX  ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX  ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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