davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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. (PA)

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC (OH)

I have asked Sunrise Credit Services to stop calling my phone number over 20 separate times, whoever they are looking for is not at my number that they keep calling. I have tried blocking their number but they continually spoof their number and call from a different number.
Consumer complaint received 2022-09-05
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: Bread Financial Holdings, Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : COMENITYCAPITAL/OVER XXXX Date Opened XXXX. XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act 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 2022-11-29
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/202XXXX XXXX
Consumer complaint received 2023-02-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL (CA)

My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have a CD Account with Synchrony Bank Act # XXXX Due to FEMA disaster # XXXX XXXX, California, declared by President Biden. 
I need to use my fund early I have call XXXX XXXX XX/XX/XXXX, speak with Manager name XXXX. 
Not willing to help.
Consumer complaint received 2018-06-04
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. (AL)

There are several major errors in regards to the information reported to my credit. Also, I was a victim of identity theft and someone stole my identity and used it to open multiple accounts using my information. After trying for the past 3 months to have these fraudulent accounts removed Experian has done nothing in helping and has not removed a single account. I sent them a letter with all of my personal information as well as a detailed list of the accounts that did not belong to me and they have failed to uphold there legal obligation to remove these accounts that do not belong to me. I did plenty of research online and read the entire Fair Credit Reporting Act and submitted all the proper documents, proof of identification and residence, as well as an official police report and they still have not acknowledged my letters and the fact that the accounts listed on my report do not belong to me. 

Here is the list of accounts that Experian are reporting to my credit report that were not authorized to be open by me and are the result of someone stealing my identity and using my information to open. 

1 ) XXXX XXXX Account # XXXX 2 ) XXXX XXXX Account # XXXX  3 ) XXXX XXXX Account # XXXX 4 ) XXXX XXXX  Account # XXXX 5 ) XXXX XXXX Account # XXXX 6 ) XXXX Account # XXXX  7 ) XXXX Account # XXXX  8 ) XXXX XXXX Account # XXXX
Consumer complaint received 2022-09-05
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. (IL)

I want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Please verify all info is true, accurate, and correct incomplete name spelling, address of record of this account. 
DEPT OF EDXXXX XXXX Balance : {$3800.00}
Consumer complaint received 2016-08-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (KS)

Although I make payments, but not always on time I am still harassed by ally auto. I receive about 3 phone calls a day. I just made a payment 3 days ago and yet they still call me non stop. I do n't know what to do to make it stop
Consumer complaint received 2024-03-05
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. (VA)

XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Jewelers Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Jewelers Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX All of these companies above stated that that checking my credit wouldnt affect my credit score which it has so it wasnt the truth now it has lowered my credit score as hard inquiries and I would like them to be removed off of my credit report.
Consumer complaint received 2024-03-05
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc. (IN)

I went through XXXX with company info on this issue. As stated, I have asked Charter Communications directly ( as told to so do ) as they reported this account as " verified '' when in fact they have not. For if they had investigated this matter thoroughly, they would have noticed that the address used for this account was not factual and that, as I explained to both sides of this matter, I have NEVER had Charter Communications for any service at all. This issue involves some $ XXXX in services which is extrodinary as I can't see any company allowing a bill this large for so long. In fact, we've had XXXX since moving to the city weve been in for these 26+ years. My ENTIRE family uses and has had XXXX for all our services. The nearly 26+ years we lived at the address we resided, we never had outside service from any company outside of the XXXX XXXX. NOBODY has contacted me directly through email as requested, showing the information noted above, and I expect these individuals to do so as requested via email. They have my email so why not send me a copy of their billing, again, as requested. If this bill is ( was ) mine ... and it is NOT ... if it shows my name/address/city or state, then there should be no legal reason why this matter should continue to drag on and my dispute won't have to go through the courts as is my next move! XXXX XXXX have their issues, but they work with ANY customer they serve and give out the correct information providing your information given can be verified ... NOT CHARTER COMMUNICATIONS as everybody must all be giving out wrong info and if you have a bill/debt with them, they do NOT want you to be able justify their means for reporting very wrong and degrading information that effects everything an individual is attempting to stop.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CLGF Holdco 1, LLC (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-16
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. (PA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AR)

It says an account was opened on XX/XX/XXXX with the account number of XXXX. The account is in coll and was last updated on XX/XX/XXXX. The account holder is XXXX XXXX out of XXXX, XXXX XXXXXXXX. I have not had any contact with this company ever and I've tried for a whole year to allow them to fix this error. The original company is XXXX XXXX and they can not show me the original contract or a copy of my identification to show where and when the alleged account was made. This account is for XXXX and it is due to identity theft. This issue is affecting my lively hood and needs to be corrected as soon as possible. I also have inquiries and addresses that are not mine. The inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. This information doesn't belong to me.
Consumer complaint received 2023-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Kohls incorrectly opened a credit account without my authorization. They have no signature from me authorizing them to open an account in my name. I only authorized them to approve me for an account which I had no intention of opening. To my knowledge I had paid for the merchandise with my debit card, and they were going to mail me a card to activate at my discretion ( which I had no intention of doing ). 

Without my knowledge, they applied a small balance of under {$250.00} to the account that they opened without my authorization and sent statements to the wrong mailing address for months I had no idea this account was open and then I was receiving statements. 

Only when I attempted to secure financing for a purchase. Did I realize that Kohls had reported me to the credit bureau and destroyed my credit rating from a XXXX down to a XXXX. After imploring them repeatedly to close the account and reminding them that they had no authorization written or otherwise from me, authorizing them to open an account in my name did they agree to take payment from me for the merchandise only and close the account in question. 

However, one month later, the derogatory Report from them still remains on my credit report, preventing me from securing adequate financing for current and future purchases ( for example, a preapproval for an auto loan with a 6 % APR has now risen to 11 % APR ). 

Kohls continues to drag its feet And not correct his mistake of opening of opening an account in a very deceptive manner. Yet Im the one paying the consequences for their deception. 

I need this removed from my credit report immediately and my solid credit Rating restored to a XXXX.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (GA)

Sequium Asst Solutions have been informed numerous times regarding a disputed claim from XXXX. The debt was also removed from credit reports, however, this agency would NOT stop contacting me. My most recent and final interaction with this agency is when I submitted a written notice XX/XX/2023 and informed the agency to stop calling and providing my attorneys information XX/XX/2023. 

Since then, this agency has not stopped calling me nor responded to my written notice.
Consumer complaint received 2024-03-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report with reference number XXXX. Here is the list of items which were opened without my permission : XXXX : XXXX XX/XX/2023 -- -- -- -- XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CXXXX REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-09-07
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (VA)

Emailed Chime support email address about closing the account and reported to them it was fraudulently made. They responded by asking for PII. I do not want to give them more info that could be used to fraudulently. I do not trust them at all.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (GA)

I received a letter from the Georgia XXXX XXXX XXXX regarding an unemployment claim. I never filed an unemployment claim, never lost my job and found out XXXX and Chime fraudulently opened an account with my name. I have never received an email or mail correspondence on this account opening. I have never even inquired with this bank about opening an account. An account was opened and GA Unemployment transferred funds that j am now being asked to pay as overpayment. I inquired with XXXX who referred me to chime. Sent them a police report of the ID Theft. Was told 2-3 days to investigate and report back. They have exceeded the time frame and now non responsive to my follow ups.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

my account is not being reported 100 % accurate under the 15 USC 1681e ( b ). The furnish name is US BANKRUPTCY COURT I have recently spoken with bankruptcy courts and they stated they never deal with credit bureaus under no circumstances so I don't understand where they obtained the information
Consumer complaint received 2023-05-23
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: DISCOVER BANK (CO)

I discovered that this account on my credit report was incorrect when I reviewed them. It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and updated : DISCOVER XXXX XXXX XXXX : {$5100.00}