davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX Balance : {$0.00XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-07-19
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)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (GA)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (CA)

I registered my gift card of {$200.00} at XXXX and it was a fake site without my knowledge on XX/XX/2022. I then went to XXXX and was able to register my card. On XX/XX/2022 the {$200.00} was taken by that company with fake website. XXXX in XXXX XXXX, NY. I have a screen shot of their information. I called the number on the back of the card which lead me to a representative that took my name, address and email and said I would have to wait XXXX days. I believe that was fake too? Im never registering a gift card again.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

on XX/XX/2018, I went to PC Richard and purchased a XXXX Dryer for my home using a PC Richards credit card. One of the staff members took the dryer to my home that day using a hand-truck and told me I just had to give him {$30.00}. When I arrived home my husband informed me that our dryer was working, when he went to remove the old dryer he noticed it was unplugged. I went back to PC RICHARDS and found the same gentlemen who brought my machine and informed him that the one at home was working and asked him to return the new one. He did and to my knowledge that was the end of that. 

I applied for the credit card that same day when I was offered a discount if I did. The address on my state ID was outdated it appears, I called Synchrony to tell them about the issue and they stated the ID on file had my previous XXXX address so I am assuming that they sent the billing information there as well. Since I returned the Dryer I believed that was why I never received a bill. This account is now in collections with XXXX and impacting my credit.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TN)

I received a decrease in my credit card limit with out Notice after I had a complaint about this company on XX/XX/2022 They Decrease My Limit All the way down to XXXX dollars and I don't understand
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX shows up on my credit report. This is not my account. 
Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/21
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (GA)

I have conta

cted Jared on multiple occasions in order to get this erroneous entry removed from my credit report. I have disputed this item various times and I have reached out to Jared 's various times, but the item still remain on my credit file to this day. I have tried to settle this account over the phone and in writing several times directly with Jared 's. I even reached out to the collection agency to dispute, they could not provide proof so they removed the entry from my credit report and referred me back to Jared 's. When I call Jared 's I am told that they can not find the account. ( see attachment ) per FCRA Section 623 ( a ) ( 1 ) ( C ) this account is inaccurate and should be removed. Jared 's is in violation of the following polices : Re aging of debt - prevent r
e-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; - The amounts, and the dates are incorrect. I have asked for verification/validation per FCRA guidelines, over the phone and per email. Each time Jared 's never provided the information, which is in direct violation of FCRA. By law Jared has 30 days to provide this information, or it is to be removed from my credit file. 

Account - XXXX Date opened - XX/XX/XXXX Balance updated - XX/XX/XXXX Credit limit - {$310.00} But it shows a payment was received in XXXX of XXXX. All of this information is not correct. 

I reached out to XXXX XXXX about this situation and it was supposed to be handled, he never got back to me ( see attached email ) Jared 's must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) No dispute status - Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) -  No dispute was raised with any CRA when I disputed these items.
Consumer complaint received 2021-05-03
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. (RI)

There is an account incorrectly reporting on my credit report that doesn't belong to me. I would like this removed immediately I tried to resolve this with the company. But they have yet to resolve my issue. The entry is for XXXX # XXXX XXXX {$59.00}. I never received proper correspondence regarding this either.
Consumer complaint received 2021-05-03
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. (GA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

Commencing on or about XX/XX/2021. I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), XXXX : XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Gemini services.
Consumer complaint received 2018-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I filed for a dispute clam in XX/XX/XXXX for an item that I bought online form XXXX XXXX that was {$1900.00} but when I bought the item I never received the item at my doorsteps when I called the merchant that I bought the item from they told me I need to contact my bank and talk with them so I did call chase bank try to get my money back from them and the customer representative told me not to worry about it so I said OK within 12 to 24 hours they temporary credit my account back so couple months go bye in XX/XX/XXXX I Filed a clam for XXXX that my Chase debit card has been used without my permission so I called the bank and tell them what happened that there was a fraudulent charge on my debit card and I would like the charge to be taken off so I talk to one of the customer  representative and told me not worry about it you will be getting the temporary credit within 12 to 24 hours I said OK. what then a couple of days I try to log into my Chase banking on line I got a message that your account is restricted so I call chase the one XXXX I asked the customer representative what is going on with my account they said there has been fraudulent on your account and youre no longer able to bank with Chase forever in life and they said they will be mailing my funds to me in a cashiers check
Consumer complaint received 2018-12-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (FL)

According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.
Consumer complaint received 2021-12-09
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Adresses : XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with XXXX XXXX XXXX XXXX and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX  XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-12-07
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)

This has been a 12 plus year ongoing saga with the credit reporting agencies Equifax, XXXX, and XXXX XXXX. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!
Consumer complaint received 2018-12-08
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. (CA)

I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX  ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public help.
Consumer complaint received 2019-03-21
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (VA)

XXXX XXXX XXXX XXXX began garnishing my wages through my employer, XXXX XXXX XXXX on XX/XX/2019, with no prior notice for alleged student loan debt that I was under the impression was forgiven.
Consumer complaint received 2022-09-22
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. (GA)

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX has violated my rights under 15 U.S.C 1681 section 602A and 604A section 2 and 15 U.S.C 1666B See attachments below
Consumer complaint received 2019-03-21
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX
Consumer complaint received 2021-05-03
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. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously