davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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: LEXISNEXIS (IL)

I sent a letter on XX/XX/21 to XXXX, XXXX, and LexisNexis to remove erroneous accounts and bankruptcies that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, XXXX, and LexisNexis are XXXX to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Consumer complaint received 2022-04-25
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: General Motors Financial Company, Inc. (PA)

Account belonged to my ex and was closed XX/XX/2015. Should have been removed by now. I tried to dispute this but it just made my credit report worse. I need to remove this asap. I was told under the Fair credit report act I can get this removed to help my credit.
Consumer complaint received 2022-03-30
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. (OH)

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED XXXX BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2022 I purchased picture hooks from HSN which made claims that the hooks were reusable and that the smaller hooks held a total weight of 11 lbs while the larger hooks held a total weight of 18 lbs.I recently went to hang a picture in my family room which when weighted was 36 lbs. So I used 3 of the larger hooks which the combined total weight was suppose to be 54 lbs to hang the picture. Well approximately 1 hour later, I heard a loud crash my picture had fallen off of the wall damaging the frame and the glass. I called and spoke with HSN on XX/XX/2022 to reference the false advertising for the hooks and my damaged artwork. I requested for them to have my artwork repaired, they in turn offered only {$25.00} dollars for compensation. I stated to them that the offer was unexceptable. I requested from their their corporate staff that they need to have the artwork repaired at their expense. 

Please see collaborating documentation Your assistance would be greatly appreciated Your truly XXXX XXXX
Consumer complaint received 2022-10-20
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)

This is XXXX XXXX, submitting this CFPB complaint to request to Equifax Credit Bureau to remove the negative marks from my Credit Report. Under the Fair Credit Reporting act, the Credit Bureaus are required to take a look and investigate the disputed accounts being reported on my Credit File. Also, Only Equifax is the one reporting this account as late and have already been updated and corrected from the other Credit Bureaus. Once again, I am requesting that Equifax Credit Bureau update the account : XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, 2020 XXXX {$22000.00} ; and turn the account as positive.
Consumer complaint received 2022-03-30
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. (GA)

I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please help
Consumer complaint received 2022-10-20
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update these accounts : XXXX XXXX Balance Owed : {$1700.00} ; XXXX  XXXX Balance Owed : {$690.00}
Consumer complaint received 2022-10-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which 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 Balance XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc. (MI)

total visa refuses to close my account at my request. I reported the card stolen XX/XX/2022. Fraudulent charges were made on my card in the amount XXXX a dispute was made and an investigation. total visa credited my account XXXX and indicated they would mail a check after I requested they close the account after their inability to show proof of me making purchases by providing copies of my signature on these transactions and sending me a replacement card after two separate requests. Total visa card has refused to close my account. refused to mail me the refund they indicated they would and that is an incorrect amount. Total visa has continued to charge me a statement fee/monthly fee in the amount of XXXX
Consumer complaint received 2022-10-20
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. (AR)

This is XXXX XXXX XXXX and I am submitting this XXXX round CFPB to complaint of the same thing over and over again. I am submitting this CFPB Complaint as a response to the Credit Bureaus recent investigation on my Credit File. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking you for more information regarding these particular items in question. I took the liberty to investigate my own Credit file and took note of two things : 1 ) the Credit Bureaus still report the disputed accounts as late despite the fact that I never missed a single payment ; and 2 ) there are accounts that are reporting on some Credit Bureau that have already been updated or was never late in the other credit Bureaus. The Credit Bureaus are not reporting accurate information on my Credit File, which is a clear violation of a consumer 's rights under the Fair Credit reporting act. I am now requesting once again to please investigate the following accounts and correct the information they report on my Credit File : XXXX XXXXXXXX XXXX  XXXX XXXX Opened XX/XX/2021 Balance : {$680.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2021 Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2021 Balance {$720.00}
Consumer complaint received 2022-10-20
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. (AR)

It has been a dissappointment seeing my Credit File still indicated the disputed accounts and information beinf reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information as well as the ID THEFT REPORT I have been receiving from the FTC. I ave also been submitting CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, no matter how persistent I am, the Credit Bureaus have also been consistent in ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act section 605b, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I am now submitting this CFPB complaint to infrom the Credit Bureaus that I am working with a legal counsel to file a lawsuit against the Credit Bureaus. If the Credit Bureaus are not able to remove the dsiputed accounts and information per request within the time allowed my law, I will be forced to file the lawsuit. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$540.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$620.00} XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Consumer complaint received 2022-10-20
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. (NM)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (PA)

Was approved for a personal loan and was told to log onto their portal to access and e-sign the loan docs. $ $ $ in my account in 2-3 days. No such page was accessible on any platform -- their app, website or via a browser. 9 phone calls to try to " fix a technical issue '' which apparently happens every day, as I have subsequently seen in numerous complaints. Was told that they would snail mail me the loan docs -- I refused, as the loan was intended for an emergency need. Asked them to fix their technical issues. Within an hour, I Received a voice mail that they had already mailed me the docs, and thus I could not have any access to them online. Called up and they got nasty. Have reported them to XXXX XXXX, on whose site they appear. 

I am now trying to pull my credit to see if their infamous " hard credit inquiry '' tying up my available credit is going to sink me, as it apparently has so many people. 

I fear this was either a scam to get my information, or is their way of operating ( to deny reasonable and speedy online access ) due to a terrible cash flow or loan funding issue, i.e. they may " approve the loan '' but have not actually funded it ... this insistence on mailing buys them time.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OH)

I have received several notifications from KeyBank about changes to my personal accounts that were not authorized. These changes are done using their digital platform- Online Banking. My email address has been changed and bill payees have been added. While these changes don't impact my balance they do make me worry about fraud on my account. 
I have contacted KeyBank several times regarding this issue. I'm asked to change my password and I'm assured I have been removed from their 'test environments ' and it won't happen again but it does. 
Unauthorized activity and bogus notifications should not be sent to clients. 
Most recently, I received an email on XX/XX/22 indicating I added a payee - Test payee2 on XX/XX/22.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (SC)

While purchasing airline tickets on XXXX website on XX/XX/XXXX, I was given to opportunity to apply for an American Express Delta Gold card to receive {$300.00} in statement credit and XXXX SkyMiles if I charged {$2000.00} to the card in the first three months. I was approved for the card and charged my plane tickets at the time of purchase to the new card. I had enough charges within the first month to reach the {$2000.00} level. Please note that I never received any information that I would be declined the welcome bonus. 

After waiting for over three months, I contacted American Express on XX/XX/XXXX to check on the status of receiving the statement credit and SkyMiles. I was told the welcome bonus was denied. Additionally, I have contacted AMEX multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) for an explanation and documentation on why I have been refused the welcome benefits. To date, this information has not been provided. The benefits should have been provided if I had been approved for the card and met the requirements. If not, this is false advertising and misleading information.
Consumer complaint received 2022-10-20
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. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-20
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. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me or not authorized. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-10-20
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. (NC)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I've discovered that I am a victim of identity theft. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and thank you.
Consumer complaint received 2022-10-20
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. (MD)

The need to remove XXXX XXXX from showing in my hard Inquiries It shows negatively on my credit report please remove I have no affiliation with this company. I haven't had any dealings with any card company besides my own bank since before 2015. Thank you so much for your help.
Consumer complaint received 2022-03-30
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. (PA)

My name is XXXX XXXX and I am making this complaint on my own without a credit repair company or any other third party services. Please see attached documents for more info.
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

Ive received calls from XXXX which belongs to a company called XXXX. They would not tell me the actual name of the company or the reason they are calling. They would only tell me that they have a matter to discuss with me. They spoke to me aggressively and I felt threatened by the language they used. I never gave this company consent to contact me, I have no contractual obligation to this company. I searched the name of the company and the phone and found that they are a debt collection agency. I am a federally protected consumer and dont owe any debts. This company has no permissible purpose to contact me through any means.