davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (CA)

I have XXXX fraudulent student loans opened under my name when my house got burgularized in XXXX. The student loans were opened in XX/XX/XXXX by XXXX XXXX. I have the police report and court documents with the person that took my information. I have tried to dispute the account through the credit bureaus several times but they keep coming back saying it has been verified...
Consumer complaint received 2022-06-01
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. (FL)

I have been a victim of identity theft and the accounts that I have listed on this report are a result of fraud. This information needs to removed from all consumer reports. I have been a victim of the XXXX Data Breach and all of my information has been compromised. Remove this information immediately. These accounts are not mine.
Consumer complaint received 2022-06-01
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: Nelnet, Inc. (CA)

I have XXXX fraudulent student loans opened under my name when my house got burgularized in XXXX. The student loans were opened in XX/XX/XXXX by Nelnet/education financial. I have the police report and court documents with the person that took my information. I have tried to dispute the account through the credit bureaus several times but they keep coming back saying it has been verified...
Consumer complaint received 2022-06-01
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: NAVY FEDERAL CREDIT UNION (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (NC)

n accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX and 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 account without written instructions.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing because I would like your help in enforcing my request to the 3 credit bureaus who have refused, despite my multiple requests, to remove inaccurate names and inaccurate addresses from my credit report. I have specifically stated that they put me at risk for ID theft as a result of these multiple entries on my credit report and yet they failed in honoring my request and hence maintaining the integrity of my credit file.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is my second complaint on consumerfinance.gov regarding this issue. I sent dispute letters to the credit reporting bureaus in the past and again in XXXX and XXXX disputing information that is inaccurate and not mine on my credit report but they are still updating the account and leaving it on my report. I sent 609 letters letting them know the accounts are inaccurate and to please provide statements and records of all payments made and missed since I opened those accounts but they have not. There are some accounts that are charged off but accounts has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. This also falsely manipulates the statute of limitations.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validatio
n constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CA)

After the card cancellation account and points issue with no notice, Amex finally reinstate my account and points. But since XXXX, Amex had been issuing me three cards that could not be initiated by myself or with the help of representative, I have paid the annual fee for a while but cards don't work as well as all the benefits should come with it.
Consumer complaint received 2022-02-03
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. (IL)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-04-17
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** XXXX  XXXX**** XXXX/XXXX XXXX** XXXX XXXX XXXX**** XXXX  XXXX & XXXX XXXX**** XXXX/XXXX XXXX**** XXXX XXXX   XXXX**** Chapter XXXX  Bankruptcy
Consumer complaint received 2019-04-17
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (WA)

Wells Fargo secured credit card account # XXXX I was always pay on time, then fraudulent activity appeared and I discuss that with Wells Fargo but it was ignored and never resolved.
Consumer complaint received 2020-03-30
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. (MO)

The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3.  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was t

he victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of ite
ms which do not belong to me or were opened without my permission. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Collection XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-05
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. (FL)

XXXX  and Equifax is not helping me to remove these Inquiries, I am practicing my right to challenge questionable information that I have found on my personal credit report. These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. I found I was not the one who authorized this inquiry, I'm asking that that be removed immediately from my credit file.
Consumer complaint received 2021-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

i want them to be removed. 

XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I know that I was wrongly charged {$19.00} by XXXX on XX/XX/XXXX around XXXX XXXX. Pacific time. I have previously made a complaint about being charged {$1.00} exactly on XX/XX/XXXX for some reason and I have never even heard of you guys before so I would like this taken care of or reversed before I have to go to my bank and take it further, granted it is only {$20.00} however my account is now negative because of you guys so I'm royally XXXX off.
Consumer complaint received 2022-06-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Collection : XXXX XXXX XXXX ( Original Creditor : EXXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX n accordance with the Fair Credit Reporting act 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 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

Despite multiple disputes, Santander continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, Santander has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXX. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX, Santander wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXXLastly, during your XX/XX/XXXX call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but Santander has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XX/XX/XXXX CRA dates but Santander knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my XXXX and XXXX reports of XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (NJ)

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX XXXX and USAA Managers, After your response, I have decided to file a small claims lawsuit against USAA in this matter. 
I am waiting on responses from the following places before filing : 1 ) XXXX XXXX XXXX 2 ) The Texas Attorney General 's Office 3 ) The Consumer Financial Protection Bureau 4 ) Office of the Comptroller of the Currency XXXX ) Federal Deposit Insurance Corporation 6 ) Federal financial Institutions Examinations Council 7 ) Federal Reserve Consumer Complain Line 8 ) Texas Dept. of Banking I have been a faithful member of USAA for more than 20 years, since I was in high school. My mother is a longtime USAA member and so are several family members and longtime friends. I've never had any issues with USAA until now. 

For you and your bank to make a decision to suspend my transfers for SIX MONTHS ( not a month -- not a week ) without investigating WHY and not giving notice beforehand is unacceptable. 

I explained previously that I was expecting a deposit into my XXXX  XXXX account and attempted to transfer funds to and from that account. It is MY ACCOUNT. 
your email explained that there were 4 transfers that were all declined and that is correct. 
But to SUSPEND transferring funds in and out of my account for SIX MONTHS is absurd for several reasons. 

1 ) I was NEVER given any email or notification that if there were transfers not going through, that my account would be suspended to where I can't transfer. I'm not even able to use XXXX, XXXX, XXXX XXXX or any transfer as a result of your decision. 

2 ) Both USAA AND XXXX XXXX charged me NSF fees for EACH transaction. 

Again -- I'm filing a lawsuit IMMEDIATELY once I get responses from the agencies. 
This is an unacceptable response to my questions. At this point, I dont care what is laid out in any rules. 
You should have taken into account that this was never done before, these transactions were between accounts that belonged TO ME, and I was not given any notice prior. 

I plan to take this as far as needed.
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the collections from XXXX XXXX XXXX that are reporting to Experian. I contacted Experian as well as XXXX XXXX XXXX XXXX about the five fraudulent accounts being reported to my credit report numerous of times since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reported this to Experian it but it was never removed after three written complaints. I added the fraud alert again for these accounts in XXXX of XXXX with FTC and again today. I added a security freeze on XX/XX/XXXX with Experian. Experian is still continuing to report this collection company on my credit report. The accounts are incorrect and are not mine. Please remove all five of the fraudulent collections of XXXX XXXX XXXX XXXX XXXX from my credit report.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On or around XX/XX/2022, Chime bank allowed another account to link up to my account and it stole {$600.00}. Chime refuses to even tell me why my claim is denied! I have never received anything in writing from them telling me anything. I had berm in my account some XXXX minutes earlier and set up a transfer to my other account that was linked at XXXX bank XXXX That should have flagged my funds, right? No they let someone access my account XXXX link a whole account to mine and empty my account out. I was home very sick at this time, had my phone off. As soon as I realized it, I called them freaking out but calmly told them everything. I have also escalated this. Still nothing, no response and no money returned. They have received requests from out of state from me got grocery stores and make up places. I disabled my card but they refuse to give me my money back. I do not know who stole my money! I thought they were supposed to protect my money! They even refused to give me a new checking account number although they know this has been compromised.
Consumer complaint received 2016-12-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Louisiana Recovery Services Inc. (LA)

I had dental work done at XXXX XXXX XXXX. Before leaving as mandated the bill must be paid. So, after the dental work was completed I paid my bill in full as expected. About a week ago I checked my credit report. My credit report displayed a debt collection from XXXX XXXX XXXX for {$46.00}. I learned that XXXX XXXX XXXX had charged me for {$46.00} after my visit. I had not received a phone cal or letter to my house or place of employment. Finance is not an issue for me so I visited and paid my bill. The staff did not have a response as to why I was billed and lack of notice. The problem for me is that my credit is affected for something that is not my fault. If possible to have corrected would be awesome. If not then I need to inform other clients of the business of such practice.