davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (CA)

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. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX, Public Record - XXXX XXXX CT FL XXXX
Consumer complaint received 2024-03-18
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. (GA)

I REVIEWED MY EXPERIAN CREDIT REPORT ON XX/XX/XXXX, AND THERE WERE SEVERAL FRAUD INQUIRES ON MY REPORT. THE INQUIRES ARE BUT NOT LIMITED TO AFFINITY FCU XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, I am a long-time Chase credit card holder. I have 2 credit card accounts. I pay my bills on time and have no debt. 

My complaint is this : Chase is constantly asking me, via email, and on their website for me to share with them my personal income. ABSOLUTELY NOT. This is very private and personal information. Why on earth would I do this? 

This is clearly geared at targeting me/other customers for services. It fringes on privacy. I am XXXX. This is not right to prey on existing customers. Please make it stop. 

Thank you. 
XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies CAPITAL ONE Account XXXX 15 U.S.C 168 s-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 2023-05-31
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. (PA)

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX XXXX, XXXX XXXX and the XXXX market, I need these to be removed
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

I was told that it was done by me and their was no mistake. When asked for the proof after investigation with XXXX XXXX online she wouldn't provide that information and she hung up.. I never did this and {$730.00} at XXXX XXXX isn't even something I would ever purchase online. I had reported this on the XXXX of XXXX while it was in pending. I couldn't get anyone to help me. I need this resolved I can't pay my bills again this month due to they finally gave me a credit on the XXXX of XXXX just to take it away on the XXXX and put the responsibility on me, I believe they never even looked into this for if they did they would know I didn't do it ... Also they would provide me with proof. Direct Express through Comerica.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (CA)

XXXX and Experian credit companys have accounts not set up by me they was open under my info after loosing wallet with ssc in it as well only account I have open for myself is any open credit card accounts first premier being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm XXXX these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XX/XX/90
Consumer complaint received 2023-10-08
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. (MO)

Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX  Act # XXXX XXXX Acct # XXXX {$1300.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$360.00} XXXX XXXX Act # XXXX {$1100.00} XXXX XXXX Act # XXXX {$1600.00} States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a count without my writing instruction.

15 U.S.C 1681c. ( aX5 ) 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 1681 s-2 ( AX1 ) a person shall not furnish any information or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-09
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: JPMORGAN CHASE & CO. (VA)

XXXX  XXXX XXXX Jpmcb bank XXXX Reviewed my credit report and saw that there were inquires on my report that I had no affiliation with.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

On or before XX/XX/2023 a Certified Mailed was sent to LexisNexi, a request of proof of copy, signed documents related to Bankruptcy on my credit report. 

As of time LexisNexis unable to provide substantiation; Failed to provide signed documentation of the said Bankruptcy. 
Failed to provide a copy of bankruptcy petition filed with the court. 
Failed to provide proof of filing document, such as stamped document.
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau (UT)

XXXX XXXX XXXX XXXX Knight Adjustment Bureau My contract was cancelled I never agreed to pay a third party aka collection agencies I had insurance on my items which I reported to original company was destroyed and in some one else 's possession I could not be around court ordered. My damage waiver should have covered damaged items. I couldn't return also owner of store said she sold contract out of her hands which is a breach in the contract it is backed by a bank so it should have been charged off as loss or covered by insurance. I have no contract with collection agency who just told me over the phone today they have given the account to there attorney but the original creditor states they no longer have anything to do with my account also the prices and the way the reporting on my account Is wrong I had one account with XXXX XXXX XXXX XXXX but the collection agency reports it as two and they only have one contract that doesn't say I have to pay them and I was willing to so I can fix my credit report but they refused to remove account only report them as XXXX.
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

-signed an agreement with Synchrony Bank to finance a sewer repair with XXXX XXXX on my phone ; truth be known the XXXX rep pressed the button for me.

-NEVER RECEIVED AND COMPANY REFUSES TO GIVE ME A COPY OF THAT AGREEMENT; they say XXXX XXXX  should supply that, but XXXX claims they don't have a copy and have tried to get it from the Bank but they won't even speak to them - I want to see in writing what the interest rate is because they have the regular rate and a promotional rate which is what I received supposedly but have nothing to prove that I did. They claim it is on my statement. Where?

- I made a mistake when I sent the first payment in, didn't get the full account number on the check, corrected it as soon as I was notified and paid them the right amount. There was supposed to have been no penalty for this error because of the timeliness of the correction.

-My bank account shows that I have paid them the correct amount each month since I took out this loan -they say I owe {$35.00} interest. Interest for what???? I can't get them to tell me. Maybe I do, but I don't know what for and I will not pay it until I am told what it is for -I believe they have made a mistake and won't correct it -I called and spoke with XXXX today , then XXXX, then asked to speak to the supervisor. They kept me on the line so long that my phone overheated. So I had to disconnect.

-Broken record : you owe {$35.00}, pay it by XX/XX/XXXX even tho I sent in my payment for XXXX and they didn't notify me of the {$35.00} til XXXX days ago! And there was no explanation so naturally I ask why. 
-They don't like it that I have my bank send the payment each month. They have not earned my trust. They can keep hounding me about my payment method, but it will not change until they explain themselves. I am an XXXX XXXX XXXX widow living on a fixed income. I watch my money. 
-This is a HUGE bank that really doesn't want you to speak to anyone. It is almost impossible to talk to a person and of all the phone calls I have made to them, I have only spoken to XXXX person that was civil, helpful and worked to resolve my problem or answer my question.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18
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: Experian Information Solutions Inc. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (WI)

The company has locked my card 10 times now in the last two months and then when I try to verify my charges, the card won't unlock and then I have to call the bank and wait on hold for an hour. This has been beyond insane and I need to pull my money out of there. This is just one of many issues that leads to them withholding our money.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18
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. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NC)

I have tried to make payments on my student loans through my loan servicer, Aidvantage. The first attempt occurred on XX/XX/2023 for the full amount of my loan, which was {$50000.00}. The payment was reversed, and I thought it was due to making such a large payment with a newly attached account through XXXX. The second attempt occurred on XX/XX/2023 in the amount of {$5000.00}. I received an email confirmation that my payment was received and posted. When I checked my account today, I found that the payment was reversed, again, without any email notification, and my account shows that I missed a payment. However, there was a document in my inbox in my Aidvantage account that stated that the payment was denied because of an incorrect account number. However, my account number that I linked to make payments is correct. I have tried to call Aidvantage multiple times but am unable to speak with a representative after waiting on the phone for hours.
Consumer complaint received 2023-04-12
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)

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. I demand the following accounts be verified or removed immediately
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX stated they transferred this tradeline to XXXX XXXX XXXX as of XX/XX/2023 However this tradeline is still on my consumer report as XXXX XXXX XXXX. This is inaccurate false and misleading. IF YOU DO NOT DELETE THIS INACCURATE ACCOUNT I WILL LITIGATE
Consumer complaint received 2023-04-20
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. (IL)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 

I will provide proof of tracking # numbers sent certified mail XXXX XXXX XXXX equifax # XXXXXXXX XXXX XXXX XXXX along with the most recent credit report pulled highlighting all of the inaccurate accounts still reporting along with the previous credit report pulled prior requesting the bureaus to modify and or delete accounts that are not reporting accurately.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX