davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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: EQUIFAX, 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 : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: SANTANDER HOLDINGS USA, INC. (NY)

In early XXXX I received a prepaid debit card " as a result of a credit balance or overpayment on my Chrysler Capital account '' for {$250.00}. Card is issued by XXXX XXXX XXXXand administered by XXXX XXXX XXXX XXXX XXXX. I would like this refund in the form of a check which I am entitled to get. Yet it has been difficult to do. 

For background : I had a car lease with Chrysler Capital which expired in XX/XX/year>. 

I have tried calling the customer service number on the card various times. But the number is only for activating the card or finding out card balance. I have also emailed prepaidhelp XXXX XXXX  and XXXX ( the latter is included in the document provided with the card ) to no avail. 

They certainly don't make it easy to get your money. 

This is the second time that Chrysler Capital has sent me a refund in the form of a prepaid card. The last one was in XXXX for {$250.00}. When asked why they sent me a debit card instead of a check, I was told that Chrysler Cap does not issue checks under {$500.00}. So, why send me two prepaid cards instead of a check? ( Fortunately, I was able to get that check. ) I don't think it's fair for Chrysler to just go ahead and make a deal with a credit card company to send out prepaid cards in lieu of checks. At the very least they should ask the customer for their preference. After all, they have all the contact information. 

Thank you for your help.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing a Formal Complaint Against Experian for Non-Compliance with Request to Remove Incorrect or inaccurate Information from Credit Report. 
I have a serious issue I encountered with Experian. 
Despite my efforts to rectify inaccuracies in my consumer credit report, pertaining to my personal information, I have faced persistent challenges with Experians unwillingness to comply with my requests. 
On XX/XX/2024, I sent a letter to Experian. According to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports. This Federal law states the following ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I gave Experian instructions on removing addresses that I don't have access to or receive mail and phone numbers that don't belong to me. Experian did not respond to my letter so now I feel that Experian ignored me. To my dismay, Experian has not taken the necessary steps to remove this outdated information, adversely affecting my creditworthiness. 
15 U.S. Code 1681e ( b ) - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I have outlined all the information I want removed and provided Experian with a copy of my Driver license and a copy of my SSN and passport and Experian still ignores me. 
I know it is imperative to address this issue promptly to prevent any potential identity theft or further damage to my credit profile. According to the FCRA my information must be 100 % accurate 100 % verifiable 100 % timely.This is a major violation committed by Experian.
Consumer complaint received 2023-07-16
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court the record indicates that you got your information from the courts. The courts dont release information you got your information from a third-party as results the bankruptcy needs to be removed from the credit report Friend accurate information you have 30 days to remove all these accounts at that time I will file lawsuits against all credit bureaus for having an accurate information As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-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 2023-07-22
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: EQUIFAX, INC. (SC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-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 2024-02-27
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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Through my agent, ( at XXXX XXXX, ) there was a policy placed my property at XXXX XXXX XXXX, in XXXX michigan and was cancelled 4 days after. This was some time in the spring of XXXX. 

There was new Insurace placed on the property through XXXX, with a different carrier. All of my bills are paid through auto pay on my credit card and as far as I knew everything was being paid because my card was being charged. 

I never received a bill or any correspondence from XXXX XXXX or XXXX and now there is a collection on my credit. 

I dont think it is fair to report to collections without ever billing me. Is there anything g you can do to help. 

Thanks, XXXX XXXX
Consumer complaint received 2023-03-26
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. (FL)

4 hard inquiries have appeared on my credit report that I do not recognize and I believe are fraudulent. Two of : XXXX XXXX XXXX XXXX of : XXXXXXXX XXXX, and another of : XXXX XXXX XXXX
Consumer complaint received 2023-07-16
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. (SC)

Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, SC XXXX XXXX XXXX ++ This is the CORRECT name, address, SS #, phone #. 
++ Anything other than above is incorrect and should be deleted and updated immediately.
Consumer complaint received 2023-07-16
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)

XXXX CONTINUES TO CONTACT ME BY MAIL AFTER THE ACCOUNT HAS BEEN DISPUTED. 

I HAVE REQUESTED A COPY OF THE CONTRACT THAT BINDS MYSELF AND THE COMPANY XX/XX/ IN RESPONSE TO MY REQUEST XXXX DID NOT PROVIDE ME WITH MY REQUEST WITHIN 30 DAYS. 

XXXX CONTINUES TO REPORT INACCURATE TO THE CREDIT BUREAUS. 

ALL INFORMATION REGARDING THIS ACCOUNT NEEDS TO BE INVESTIGATED ACCOUNT # XXXX CREDIT CLASSIFICATION- RETAIL DATE OPEN XXXX FIRST DELINQUENCY XXXX DELINQUENCY DATE BEFORE THE ACCOUNT WAS OPENED? 

THE CREDIT BUREAUS ARE RE-AGEING THE ACCOUNT WITH AN UPDATED THE BALANCE DATE WITH NO ACTIVITY
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OK)

Auto payments to be pulled on the XXXX and was, but an additional payment taken the the XXXX. Called and was left on hold for over XXXX hours with no estimated wait time or queue position, emails also going unanswered. Person information I have updated with them never being recorded, address and zip code to log in is from 10 years ago despite being updated again 4 months ago when my loan was transferred back to them.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

I, XXXX XXXX principal holder, have wrote a letter to XXXX XXXX XXXX letting them know it's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. They have not responded. or removed this of my credit report. I am willing to go into arbitration if they don't remove this off and but make account in Good standings. 
F.D.C.P.A. at 15 USC 1692 e.g.

Title 18 section 8 ( All debt is the obligation of the UNITED STATES Cestui que vie act of 1666 trust account pursuant 15 usc 83 banks can not loan money 1933 emergency banking act
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am going on a trip to North Carolina. i went to purchase ticket to a baseball game in NC with my Capital One Savor card and after going through the process the transaction was declined for no reason. I tried several times and then had to waste my time dealing with this disgusting company 's outsourced customer service and ridiculous automated phone system. Capital One uses poorly designed AI to handle their fraud prevention. It is as incompetent as they are, which is to say extremely. It took XXXX calls to their XXXX XXXX XXXX customer service until they finally managed to remove the improper fraud block. The bank isn't protecting me, they're protecting themselves, because, THAT'S ALL THEY CARE ABOUT. This practice has caused me to lose out on time sensitive sales, it has wasted a TON of my time, and almost caused me to lose out on tickets to this game which were almost sold out. It accomplishes NOTHING. And I don't have this problem with any other of my credit cards but these XXXX. I have brought this issue to their attention several times, however, it doesn't seem to get through XXXX XXXX XXXX XXXX heads. They are WORSE that a " typical bank ''
Consumer complaint received 2023-07-16
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. (AL)

I have called and sent a letter to this credit reporting agency about the following errors and violations. My Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please note that XXXX XXXX XXXX XXXX XXXX XXXX is not my current or previous address and should not be listed on my credit report In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-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. These items have been reported inaccurately and without my consent which i have disputed. I have attached proof of the dispute letter that i sent certified, as well as the inaccurate results of Equifax 's investigations.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bank XXXX : # XXXX, Extra : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX IL # XXXX Credit collection serv # XXXX North XXXX XXXX XXXX XXXX North XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-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 2023-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Re a fraudulent Personal Line Loan Account XXXX with Golden1 Credit Union : A Golden1 Loan Statement was received XX/XX/2023 for a Personal Line Loan of {$20000.00} with {$7000.00} advance against the line on XX/XX/2023. .A letter dated XX/XX/2023 was received on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Golden1 advising I would shortly receive a Debit/ATM card for new associated account XXXX XXXX XX/XX/2023 my husband XXXX XXXX called the company and spoke to XXXX, XXXX ID XXXX to advise of this account having nothing to do with me, having never had any relationship or accounts with Golden1 Credit Union. On XX/XX/2023 I wrote to Golden1, attention XXXX XXXX advising that I had no knowledge of what this, it is a case of mistaken identity and please review documentation and correct company records. On XX/XX/2023 another statement of Loan was received from Golden1 Credit Union, showing most of the credit line being drawn, leaving a balance owing of {$19000.00} after advances. On XX/XX/2023, my husband wrote to XXXX XXXX, Chief Lending Office, copy to XXXX XXXX, XXXX & XXXX of Golden1 reiterating that Ido not now or ever have had have any account of any kind with Golden1 Credit Union, nor any need for a Debit/ATM card. 

We notified the Police of this as a case of Identity Theft and, at their recommendation, also file a report with the FBI at fbi.gov. Notice was given to our Credit card company, and to the Credit Reporting Agencies. As well, XXXX was contacted and case no. XXXX established with the company, with Restoration Specialist XXXX XXXX. She and I had a joint phone conversation with a rep at Golden1 Credit Union, which was cut short after being put on hold for several minutes. A security freeze has been placed on my credit, as recommended by XXXX XXXX.
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.