davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (NY)

XXXX XXXX XXXX ( XXXX ) is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-01-20
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. (NY)

XXXX XXXX XXXX ( XXXX ) is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2020-01-01
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: DISCOVER BANK (AL)

Discover is reporting an account on my credit report that I never applied for. 

It was opened XX/XX/2014 and has a credit limit of {$1500.00} and a balance of {$2000.00}. 

Furthermore, the address on the account is in Oklahoma and I have resided in Alabama for several years so there is NO WAY it is mine.
Consumer complaint received 2023-01-20
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)

in accordance with the Fair Credit Reporting act XXXX 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 2023-02-22
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have been a customer of Bank of American for many years. I have had to submit many complaints in recent times because of the many XXXX XXXX people whom I seem to interact with when I need a problem resolved. The latest XXXX XXXX was someone named XXXX XXXX who wrote to me telling me that a {$35.00} overdraft fee I was charged on XX/XX/19 was valid because it was not an error on the part of the bank. It was charged because of a check that posted the same night I got paid- the money was there but SOMEHOW I still got charged an overdraft. That totally makes no sense and I can not for the life of me understand how I can get charged an overdraft fee the same night a check posts along with my PAY CHECK. It makes no XXXX sense.
Consumer complaint received 2022-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (AL)

In XX/XX/2022 I did a one month loan extension on my auto loan through Truist Bank. Since I did this my account has not been corrected. Truist took XXXX monthly payments out of my checking account in XXXX which was not authorized, only XXXX payment had I done myself. They have since reimbursed me for this error. That said, all my debts paid from my checking account that month have been returned as nsf adding late fees to every account plus now my credit is being negatively affected! Now this month they are attempting to try to say I made a late payment and expect me to pay two payments plus a late fee. I have made my normal monthly payment of {$270.00} ( reference XXXX ) I was not at fault for any of this mess and I feel Truist should correct this mistake asap so I am not being affected every month! This is just unacceptable service.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following companies have frequent inquiries on my account at least once a month since XXXX 2021. This has resulted in many unsolicited credit offers and the appearance that I need credit. I was recently turned down for a car loan by XXXX XXXX XXXX even though I have excellent Credit ( XXXX ) List of offending parties ; # of credit inquiries since XX/XX/2021 ; phone # XXXX XXXX : 12 inquiries ; ( XXXX ) XXXX XXXX XXXX  XXXX20 inquiries XXXX ( XXXX ) XXXX XXXX XXXX : 71 inquiries ; ( XXXX ) XXXX XXXX XXXX27 inquiries ; ( XXXX XXXX XXXX XXXX XXXX:27 inquiries ( XXXX ) XXXX XXXX XXXX : 24 inquiries ; ( XXXX ) XXXX I need these inquiries removed/stopped, unless initiated by me. 
Regards
Consumer complaint received 2022-11-30
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. (TX)

Account XXXX Account number ******************* Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX  number XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX  number XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX ******************* Amount {$2600.00}. 
Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX Number XXXX Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Account number XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name APPLIED XXXX Account Number XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX  Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name
Consumer complaint received 2020-01-01
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)

id theft victim i am disputing XXXX XXXX XXXX opened XX/XX/2019 off of my equifax report i am requesting a letter of validation from the creditor, i am attaching my social security card, dl, and address to this file. please remove this from my report. 

i need a copy of the rental agreement and where they got my information. 
i did not give anyone permission to rent an apt or give anyone my information.
Consumer complaint received 2022-10-05
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. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 



I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 



I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-05
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. (TX)

I disputed two late payments for my car note from XXXX XXXX for months XX/XX/XXXX and XX/XX/XXXX on my credit report from Experian. The finance company offered Covid relief during this time and advised they would not report negative remarks during the pandemic. I attempted to dispute again and they will not allow it if I don't have documentation. I feel the dates are self explanatory, I don't have any documentation, I spoke to a rep over the phone.R
Consumer complaint received 2020-01-01
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/2019 {$1400.00} Cleared The company has been paid with an agreed settlement Paid XXXX It should not show past due. We agreed on a settlement
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (UT)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2020-01-01
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: LEXISNEXIS (NC)

Lexus Nexus Consumer Center, said that they can verify a Bankruptcy and have reported it to the credit reporting agencies. But can not provide the person name, address non phone number that verified information to be true from the court.
Consumer complaint received 2020-01-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CARTER-JONES COLLECTION SERVICE, INC (OR)

I was served on XX/XX/19 for an account I was unaware was in collections. I had moved and filed a change of address in XXXX. I told the gentleman that served me that I had filed a change of address and they had been sending the notices to the wrong address. XXXX XXXX claims they did not get notice of change of address unitl XX/XX/19, however, my insurance company had gotten notice back in XXXX. 

A few days after I received the summons I received a statement in the mail at the correct address. 

I called XXXX XXXX to try and set up payment arrangements and did so. Thinking the court case would be dismissed. I called back to ask if I could get it in writing that it was dismissed and she said they would not dismiss it. They would get the judgment and as long as I was making the payments as agreed upon there would be no garnishment of my wages. I asked for her to put that in writing. She stated that it was company policy that they do not put anything in writing. 

I told her that I had filed for a hearing and she stated that the payment arrangement would be void and they would garnish my wages if I continued with my hearing.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Letters have been sent twice in the past the most recent letter was on XX/XX/XXXX, requesting that information be removed from my credit it was removed on XX/XX/XXXX and reinstated on XX/XX/XXXX, I never received a 5 day reinstatement letter as required by law. At this time I would like to request a final removal of this derogatory mark because before I file a law suit with small claims court.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently applied to a new apartment complex and they pulled my credit. It is showing an eviction against my name. Under the collections section in all 3 credit reports. It is imperative that gets removed and cleared immediately. I never lived at the address associated with that account. This collection specifically is preventing me from moving. I was living with family during the time frame this was added to my profile. 

XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NJ)

I had inquired about a forbearance plan that Loancare LLC was offering during the start of the covid-19 pandemic. I filled out an online application for the plan on XX/XX/20, and received an email stating that I was approved and the plan had started on XX/XX/20. I was notified by my mortgage broker to immediately cancel the plan, as I was planning to refinance in the near future, due to the possibility of a negative report on my credit. I tried to contact Loan care immediately to cancel the plan, and could not reach anyone on the phone multiple times. I attempted to cancel my plan online but had technical difficulties which were not assisted by any loancare technical associates. Additionally, they reported me as delinquent on my payments during the forbearance plan, which they specifically stated would not happen on the application completion email I received. I spoke to a manager at Loancare, Agent ID  # XXXX XXXX, who could not assist me with this issue or provide me with a letter validating that Loancare is wrongly reporting my credit, on XX/XX/20. I am also unable to login to request a letter from the credit department due to technical issues that Loancare is currently having.
Consumer complaint received 2020-01-01
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. (NV)

I am still in the process of getting this inaccurate data removed m=from my profile. XXXX XXXX and experian has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under law
Consumer complaint received 2020-01-01
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. (NV)

I am still in the process of getting this inaccurate data removed m=from my profile. XXXX Eqifax and XXXX  has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under law
Consumer complaint received 2020-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

I went through my bank statement and found a couple of unauthorized transactions and reported them to my bank. I am living in XXXX and the bank blocked my ATM card. This is the 3rd day that I have not been able to withdraw money to eat. I am starving. My bank will not respond anymore to my emails and I don't have a phone to call them. They keep insisting I call them when I have no means of paying a company here to use the Phone service. 
I suggested they authorize to use of the other new ATM card so long as they can allow me to activate it, but they said no. I can't eat, my rent is past due. Wells Fargo will not let me get access to my money and I am really hurting out here. 
Please someone do something quick!
Consumer complaint received 2020-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am still in the process of getting this inaccurate data removed m=from my profile. Transnion XXXX and XXXX has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under law
Consumer complaint received 2020-01-01
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. (FL)

Equifax File Number : XXXX Date : XX/XX/2020 FCRA Violation Sections 604 ( a ) ( 3 ) ( F ), Equifax has failed to initiate an investigation for more than 90 days. Failed to supply proof of Method of Investigation. Failed to provide proof of a legitimate transaction or credit application with my Full Name, Date of Birth, Social Security Number, and signature.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half  years I have been paying on this loan I want them to stop reporting that I was late because I was not
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late  because I was not
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late because I was not
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I used pay with points for XXXX  travel. There was a problem with the XXXX  entitling me to a partial refund. Chase ( credit card was Chase XXXX XXXX ) is now telling me that they can not put the charge into dispute because the trip was booked through Chase XXXX, which is an affiliate of Chase credit card company. They said that if I had used an unaffiliate travel company, they could have put it into dispute. I was never warned/notified/informed that by using Chase XXXX for ticketing I would be foregoing the opportunity to dispute charges if needed.