davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I reported that my credit card was lost but I was 95 % sure I knew where it was. The person I was talking to kept telling me I needed to file a lost stolen card report. I was reluctant because I didnt want to then find it and not have a card. I only wanted to freeze it. The man was extremely pushy and so I finally gave in. I asked for the new card be expedited. He told me there would be a {$16.00} fee for shipping I agreed to pay. I then found it an hour later. When XXXX called back they told me I could not cancel the report. I asked why not as a new card had not been issued. They told me that was not their policy. Because I asked inquired about cancelling the new card they went ahead and cancelled the expedited card but didnt tell me and then still charged me {$16.00}. I found out about them cancelling the expedited card when I never received an email. They told me they had mailed it. I then found out about the charge the following day. They told me by disputing the charge that in the future I will not have access to an expedited card. This is fraud.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I paid off several items on my credit report in order to build my credit score and Experian is still keeping my credit score low, but it shows on my report that I have been paying off debt and paying on time payments, but my score is still low and no progress whatsoever. I called Experian on XX/XX/2024 and spoke directly with a Supervisor whom admitted to me that they were had a problem correcting my credit score and that he would take care of the problem and that my updated score will take 48-72 hours to reflect a higher score on my credit and it has now been 5 exact business days 120 hours later and nothing has changed, I feel discriminated against because I'm XXXX XXXX  and we always experience this type of mistreatment, I called XXXX  and am currently being placed on hold and hung up on by their customer service reps and another Supervisor keeps avoiding coming to the phone, finally someone name XXXX from the Fraud Department came to the phone. I never contacted them about anything concerning fraud but at this point I don't trust them and feel like I'm going to have a problem with my credit and identity.
Consumer complaint received 2020-01-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

On XXXX XXXX I disputed item for Toyota Motor Credit in the amount of $ XXXX.On XXXX XXXX I sent out debit validation letters, On XXXX XXXX I mailed certified letter information about debt.On XXXX XXXX mailed letters to attorney general with log sheets of actions taken.Under the Fair Credit Reporting Act the specific obligations was not met due to that the item should have been removed.
Consumer complaint received 2020-01-10
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: Credit Wise Recovery Solution LLC (PA)

Today, XX/XX/XXXX, I received a report that a new account was opened in my name with XXXX XXXX XXXX for a credit card that holds a balance of {$99.00}. The account was opened on XX/XX/XXXX by someone other than myself. I called XXXX and they have no record of an account in my name or belonging to my social security number. They instructed me to file this claim to rectify the situation.
Consumer complaint received 2020-01-10
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: CASHCALL, INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-12-27
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. (TX)

In accordance with the fair credit reporting act cXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15U.S.C 1681.Section 602 A. States I have rights 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 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AR)

I have a degatory remark on my XXXX  report. The amount is XXXX I have tried to file a complaint with credit bureau to get this removed. This is with symgorary bank. I dont even have a card for this account. How do i get this removed asap
Consumer complaint received 2020-01-10
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: CL Holdings LLC (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-19
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: Experian Information Solutions Inc. (GA)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2020-01-10
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. (GA)

This account was the result of identity theft and was therefore closed and removed from my credit file, then it mysteriously pops back up on my credit report but still closed, now today, my credit scored drops 48 points because the account was reported as delinquent but yet is closed account. I demand that this be removed from my credit report immediately, makes no sense the way the credit bureaus operate, how can you report active activity on a closed account! Crazy! XXXX  XXXX XXXX  XXXX account # XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my multiple 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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX 'S XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX Balance : {$87.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$88.00} XXXX XXXX  XXXX XXXX XXXX  XX/XX/2022.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX, XXXX  XXXX XXXX  XXXX XXXX, AE XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX  XX/XX/2022, XXXX XXXX  XXXX XX/XX/2022
Consumer complaint received 2023-05-24
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX  Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

Thank you for submitting the requested documentation to verify information on your account. We are not able to complete our review at this point and further action is required of you. IMPORTANT : Your account will be closed on the previously communicated due date if you are unable to provide the requested, corrected documentation. 

While we received the documentation, certain aspects were either incomplete, illegible, or invalid. Below are common errors that can occur during the documentation submission process : Line 3 : Please review to ensure your current address has been accurately entered.

Line 4 : If you filed a tax return in the last 2 years with a different address than what is entered on Line 3, please fill in the previous address shown on that tax return. Otherwise, please leave this field blank. 


If you have any questions or require a new 4506-C form to be sent, please contact Discover Customer Protection Services at XXXX, or call the number on the back of your card. 

We appreciate your prompt attention and cooperation. 


Sincerely, Discover Financial Services. 

THIS IS A RESPONSE I JUST RECEIVED FROM DISCOVER AGAIN. 
THREATENING TO CLOSE MY ACCOUNT. 

I FILLED OUT THE FORM. 

I HAVE BEEN ON XXXX SINCE XX/XX/2010 AND BECAUSE OF THAT HAVE NOT FILED TAXES SINCE I BELIEVE 2010 WHEN I GOT APOROVED FOR XXXX. 

I FILLED OUT THE FORM AND DISCOVER EMAILED ME THE ABOVE RESPONSE. 

PLEASE HELP ME RESOLVE THIS I HAVE SUBMITTED MORE THAN ENOUGH DOCUMENTATION TO PROVE MY IDENTITY. 

BUT IT SEEMS LIKE DISCOVER IS HELLBENT ON CLOSING MY ACCOUNT. MAKE STATEMENTS THAT SEEM A RATHER PECULIAR. 

FIRST STATING I HAVE NOT FILLED OUT THE REQUESTED FORM AS THEY ASKED. 

I UPLOADED THAT TO SHOW I DID. 
NOW TAKING THE STANCE THAT ITS INELIGIBLE INCOMPLETE OR INVALID I UPLOADED MY XXXX  FROM IRS WHICH ALSO PROVES MY IDENTITY ALSO UPLOADED THE NEW EIN NUMBER BECAUSE I SWITCHED TO XXXX  I HAVE REQUESTED DISCOVER CONTACTS ME THRU THIS AGENCY. 

SO NO MORE GAMES CAN BE PLAYED OR SO STATEMENTS OF NOT BEING FILLED OUT ETC CAN ALL BE UPLOADED HERE SO THIS CAN BE RESOLVED. 

I AM ALSO UPLOADING SOCIAL SECURITY BENEFIT STATEMENT
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

RE : Account # - XXXX I disputed the referenced account above on XX/XX/2019 with Equifax . The credit report obtained on XX/XX/2019 and their credit report # XXXX showed this item was deleted from my credit file. Now this item has been reinserted on my Equifax credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting Equifas complete compliance with any and all the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and, ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

To date, I have not received any such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Equifax can avoid such action by immediately deleting this listing from my Equifax credit report.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. 

I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. 

As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. 

I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. 

Failure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.
Consumer complaint received 2023-05-24
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. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am having a situation where i have already sent in documents to the major credit bureaus asking them to please remove a fraud alert placed on my credit report. 

I have sent them the proper documentation they have have requested. 

ID, Social Security Card, utility Bill to prove my identity. They have yet to remove the fraud alert and it is causing me lots of street and financial hardship. 

I am providing all documents once again
Consumer complaint received 2023-05-15
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-02-20
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)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX  XXXX XXXX XXXX