davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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. (MA)

I procured a credit report with Experian.com XX/XX/2022 and after getting a copy of my report, I called Experian because I saw some UNVERIFIABLE item on my personal profile ; I detected that there was a PUBLIC RECORD on my credit report which is not mine and I have not declared bankruptcy. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and, 1099-G form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth Experian not blocking this item is inadvertently resulting in me being extorted.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OK)

I had a XXXX Chase credit card. I paid off my balance last month. I locked my card. I incurred a charge for a yearly subscription of a magazine. I went ahead and paid the balance of the card again. I contacted the Chase and explain to them that I do not want any additional transactions to occur on this account. They informed me that as long as the account was open and any fees or subscriptions would still be processed. So then I had them transfer me to the department to close the account. After they closed the account, they then told me that any fees of subscriptions would still be processed. 

I informed them with me closing this account I am no longer authorizing them to pay or provide credit for anything in my behalf. I expect those transactions to be declined and treated no differently than if I didn't have the available credit balance on hand for them to be processed. They told me that it doesn't matter and that if something comes through they will still process it.
Consumer complaint received 2021-10-27
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. (TN)

I am disappointed that my credit file is not corrected even how many times I disputed the listed items. XXXX and Equifax proceed their investigation and also removed items that I mentioned. I've already told you that my report contains accounts that are the results of identity theft.
Consumer complaint received 2022-09-11
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)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Motolease, LLC (SC)

This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a wreck. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone. I have included the copies that were sent to our attorney via email because Motolease never sent any correspondence to me in regards to payoff. This is still showing on my credit and affecting me with other things overall. This is my second consumer complaint because the company responded with a random reply not addressing the issues as they have been since the beginning of this lease. I signed 5 copies of the lease after picking up this bike. I have several call logs and other documentation I just want this removed completely the bike has been paid off were told this a long time ago and nothing. Call me explain don't just allow this company to reply without fully investigating.
Consumer complaint received 2022-09-11
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. (NV)

I have made several disputes through written letters and also through their official page also telling them that I do not recognize this Hard inquiry and therefore it had to be removed from my credit report immediately since it should be fraudulent and I is it affecting my credit record.
Consumer complaint received 2022-07-30
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. (NJ)

There's an inquiry on transunion report that should have been removed due to inaccurate reporting information. XXXX bank inquiry shouldn't be on my report.
Consumer complaint received 2022-09-11
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 reached out to XXXX company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have a complaint requesting my XXXX XXXX XXXX reporting on XXXX and XXXX XXXX XXXX reporting to all 3 XXXX, XXXX and EQ be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of XXXX ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by Equifax XXXX and placed back onto credit report same day ( now appears twice ) same identical XXXX XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document as well.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-07-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I had these inquiries removed from XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX all of these were not authorized and therefore had to be removed. Now, Equifax didn't remove any and said they were are factual. Equifax, I believe didn't do any kind of an investigation, If so, they would have seen that these accounts had already been removed by XXXX. To add to that, XXXX been removed these accounts.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello .... I have filled a complaint on XX/XX/XXXX... 
Claim # XXXX BofA XXXX prepaid card. I have filled Fraud claims 3 times back in XXXX. For no reason claims were denied within days of submission. In XX/XX/XXXX my claim was reopened and was told it takes 45 days. I called several times to check status was told it going to take longer the XXXX Had escalated my case to a manager about. 2 weeks ago. Called today spoke to the claims rep at BofA he said the case has not been touched and noone answered to the escalation. XXXX the rep. Escalated the case again today and advised me to email you and seek your assistance. The rep reviewed my claim and saw that it is legitimate and the fraud charges that wiped my edd benefit is all documented and yet noone has done anything to fix it at BofA since XXXX. Please help me. Thank you. My email is XXXX. your assistance is greatly appreciated ... on XXXX XX/XX/XXXX I received an email from your company saying that my claim with Bank of America has been resolved. On XXXX XX/XX/XXXX I called Bank of America spoke to an agent and a manager and I was told that my claim is indefinitely pending and not reviewed since XX/XX/XXXX. Your company closed my case based on false information from Bank of America. My complaint needs to be reopened. I have tried to refile my complaint with your company I couldn't since I already have an account with you. Please respond and reopened my complaint as Bank of America is reporting to you false and untrue information. Please confirm that you received my email and that my complaint has been reopened. Thank you. Awaiting your response to this matter
Consumer complaint received 2022-06-09
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. (WA)

In accordance with the Fair Credit Reporting Act would like to state that Experian Is in violation of my rights and 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report. No consent is identity theft Experian is also in violation of my rights to privacy in accordance with 15 U.S.C. 1681 Section 602 ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to PRIVACY. 

IN ACCORDANCE WITH THE FCRA. THE FOLLOWING ACCOUNTS FURNISHED ON MY CREDIT REPORT ARE IN VIOLATION OF MY RIGHTS : XXXX ACCOUNT XXXX : XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX, INSTALLMENT, UNSECURED LOAN, INDIVIDUAL, OPEN, MONTHLY PAYMENT : {$400.00}, DATE OPENED : XX/XX/2021 XXXX XXXX ACCOUNT # : XXXX XXXXXXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT XXXX : XXXX XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX
Consumer complaint received 2022-06-09
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)

It appears that my credit 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 & block 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/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}. 

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 2021-10-27
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: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged collection XXXX AT XXXX XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ), you are required to notify me of the reinsertion in writing within 5 business days. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have attached an identity theft report for these apartments as Ive never stayed there before, please remove at once. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. Doesn't this go against the FCRA Laws?
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

I already sent you a letter via certified mail regarding some unfavorable information on my credit record,. However, your organization neglected to remove accounts that are unverifiable and not associated with any of my addresses, so how are these accounts verified? You failed to remove and delete the disputed items.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Went to Wells Fargo and XXXX XXXX XXXX to open a checking account, they denied me to being able to open account. I got a report from XXXX XXXX and nothing is on file. I go a report from back and got denied but it doesn't say why I am being denied. I have ran XXXX credit file and I see nothing that would impact me from opening a bank account.
Consumer complaint received 2022-09-10
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. (NC)

In accordance with the Fair Credit report acXXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-09-10
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: CITIBANK, N.A. (OH)

My statement that was closed on XX/XX/2022 had a balance of - {$400.00} which I requested to be transferred to my bank account. The credit came back to my account and my balance was {$0.00}. 

But, Citi charged me {$400.00} again on my account on statement that closed on XX/XX/2022. This negated my {$400.00} that was supposed to be sent back to my account. 

I have called Citi 5+ times and talk to manager and explained this situation and they have agreed every time that Citi is incorrect and they owe me {$400.00} and they always escalate this and open a case to request my money back to my card. Every time I was told to wait 5-7 business days and {$400.00} would be deposited to my account but not a single time there words were true. All calls were recorded so I request that they provide the call logs and all details that were discussed on the calls. 

I would like Citi to pay me my money back as soon as possible! 

I am tired of going back and forth with them. Please help me.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: U.S. BANCORP (IL)

I am a bitim of identity theft. Someone has tried to open up Checking accounts in my name. 2 were XXXX XXXX and US Bank. I had a XXXX  XXXX account awhile back but it has been closed for sometime now. Someone on a couple other dates tried tomopen up credit with them. It was not me. A former employer stole identity and my SS # has been compromised along with my id. My information also was comptomised through the XXXX XXXX breach and XXXX company breach as well. I filed a police report and I have locked my credit so that hopefully damages can no longer continue.
Consumer complaint received 2022-09-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc. (NY)

I took delivery of a XXXX XXXX XXXX in XX/XX/2022, in XXXX On XXXX, due to work related reasons I had to relocate to XXXX On XX/XX/XXXX I have asked Tesla for the Title of the vehicle so I could register the vehicle in XXXX as requested by Law. I had to do the same process for my other vehicle, from a different Auto maker and I received the docs in one week and was able to register the vehicle. With Tesla, 7 weeks later and they continue saying they are still producing a title, and I now I can not register the vehicle, therefore I cant get Insurance and drive the vehicle, so I have a product that I cant use but am being required to pay the lease.
Consumer complaint received 2022-06-09
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. (NV)

In 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 an account without my written instructions.
Consumer complaint received 2022-09-10
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: DISCOVER BANK (GA)

I am a victim of identity theft. I recently learned that my personal information was used to make fraudulent charges on my credit card. Ive made several phone calls & sent several letters, and emails asking for this account to be removed off my credit as it is about {$450.00} worth of fraudulent charges. This account has been hindering me and causing emotional distress for almost 3 years and preventing me from purchasing a home. I am being punished for something I didnt do. Ive even noticed XXXX listed this account as a charge off and tax write off.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank (FL)

Back in XXXX XXXX XXXX XXXX  and was not able 2 pay so they changed me all dis fees n I was out work fa XXXX XXXX I'm just go XXXX to work XX/XX/XXXX plus they put a bad mark on my credit report Ra late payments 60 days late I never miss a payment I been with them fa 4 years and they can't work with me XXXX XXXX XXXX