davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
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: Conn's, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONNS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (CT)

Penn Credit slammed my credit on a debt that they either know or should know is not mine and the product of identity theft. Enclosed is the identity theft report that I did with the Federal Trade Commission on this false debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when they broke into my storage unit at XXXX XXXX XXXX unit in XXXX XXXX  on film. The individuals were charged in XXXX XXXX XXXX and were caught on film. When the burglary occurred they stole more than just gold, silver, and high end sports memorabilia but they stole my identifying information and social security card. Since then identity thefts have occurred several times including in this case wherein someone opened a utility account in my name illegally. The collections company or Penn Credit is trying to extort me into paying a debt that is not mine by weaponizing the credit reporting agencies and this is especially extortion when I am in real estate and a bad credit score can implode the business. There's a saying that power corrupts and absolute power corrupts absolutely. In this case the tactic was to weaponize credit reporting to make me pay on an account that was the product of identity theft committed against me.
Consumer complaint received 2022-10-09
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: Self Financial Inc. (TX)

Information never changes on none of the accounts disputed and comes back as verified when there are clearly errors on account status, late or missed payments not being updated to none and collection accounts not being verified for removal instead being reported as charged off.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: STERLING JEWELERS, INC. (MD)

Kay jewelers sued me to court for debt owned, sold my debt without proper approval from consumer and debt was satisfied with law firm ( XXXX, XXXX, XXXX ) hired by Kay jewelers. Kay jewelers is still sending me invoice of debt owned even after account is cleared out and no other payment is owned. This is violation as account is being paid off, court case is being dismissed as law firm received every payment requested. 

15 U.S. Code $ 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.

1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXXXXXX XXXX  XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXXXXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX AND XXXX IMMEDIATELY DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (PA)

I have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and Experian. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years.

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in XXXX this has ever happened to me and I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me
Consumer complaint received 2021-07-21
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. (WA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-12-29
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: EQUIFAX, INC. (CA)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXXN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX AND XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT
Consumer complaint received 2021-11-05
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. (SC)

XXXX XXXX is reporting a collection account with incorrect DATE OPENED. XXXX XXXX has date opened XX/XX/2020 and Equifax and XXXX have date opened XX/XX/2020. XXXX XXXX is reporting a collection account with DIFFERENT ACCOUNT NUMBERS for the SAME ACCOUNT. Equifax has a different account number listed on my credit report than XXXX and XXXX. 
Date Opened : XX/XX/2020, {$680.00} - EQUIFAX ( XXXX XXXX ) Date Opened : XX/XX/2020, {$680.00} - XXXX ( XXXX XXXX ) Date Opened : XX/XX/2020, {$680.00} - TransUnion ( XXXX XXXX ) A collection account should not report as a OPEN ACCOUNT and a collection account should not have a BALANCE of {$680.00}. 
Dates of last active do not match either. There are 6 inaccuracies that are being report to XXXX, Equifax and XXXX. This is a violation of the Fair Credit Reporting Act. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2021-07-21
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2022 I called the credit card company to make my monthly payment that it was due for the next date XX/XX/2022. I attempted to make the payment 2 time and the computer machine was saying that I was unable to make payment, so I called the credit card at customer service and I was told that they see that I tried to make the payment and I was told ( by customer service ) that I have problem with my bank XXXX Bank XXXX XXXX ). 
I called my bank and they told me that the credit card took the money ( XX/XX/2022 ). 
I called back the credit card company and I told them that they took the money already and they said that they did not receive the payment and I have been confused with who said what, because the bank said they did the payment and the credit card stated that they did not receive the payment. 
I received the statement from my Bank and I saw that they did not took the money on the XXXX of XXXX so I called back to make the payment again on the XXXX and I was told that they are going to remove the late fee and the interest, but they did not took the late fee or the interest. 
On XX/XX/XXXX, XXXX I make another payment ( instead of the XXXX ) and they are keeping charging me for the late fee and the interest ( when it was not my fault that there computer was not working ). 
I always pay my credit card earlier than the due date.
Consumer complaint received 2018-12-29
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: SYNCHRONY FINANCIAL (VA)

Although I no longer have access to this account, However, the customer service staff at Care Credit gave me the following information. 

I purchased XXXX XXXX from my XXXX ' office, XXXX XXXX XXXX on XX/XX/XXXX, for XXXX. I made generous payments so my balance as of XX/XX/XXXX was XXXX. 

This XX/XX/XXXX- I noticed on my credit report we received from our mortgage company ( much more in-depth ) that there was another charge on the same CareCredit for XXXX. 

I did not make this charge and would like to know where the money was sent. It did not go to my XXXX  's office. I only made this one purchase on this card. The irony is it was paid off in XX/XX/XXXX. 

If you call fraud at CareCredit they say they only have statements 6 months back. If you call customer service who does have access to XX/XX/XXXXthey say you have to call Fraud. Therefore, no one can tell me where the money went. It appears my card was used as a cash advance that I can not understand. And I believe it was my husband XXXX XXXX who did this. I tried to access my CareCredit account online and there was a username saved on the login site that was not mine. It was XXXX. That looks like a social security number. There was no saved PW so I could not log in. Therefore, it would be my IP address which is scary. I would like to know who or what banks made the payments for this second {$4200.00} fraudulent charge ( 1st criminal to pay it back ) and what bank or business received the money? I can not get an answer and need to know who is using my cards and for what purpose.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/20, I received a fraud alert from Citibank. I immediately called them and found out that my daughters custodial account was hacked and her debit card number was stolen. I asked the customer service representative to close her debit card and re-issue a new card. I made sure to ask the representative if only her debit card would be closed and she assured me my personal debit card would not be affected. Turns out she blocked the wrong card and left me without access to my funds for over a week. I tried using the card and kept getting declined. I tried buying food for my children and I was unable to do so. When I called Citibank on XXXX XXXX, 2020, I informed them my card was not working but the representative said everything was fine with my card. On XXXX XXXX 2020 I ordered food from the grocery store and when it came to pay online I was unable to do so using my debit card. Turns out that my initial call to Citibank on XX/XX/XXXX closed my personal debit card and not the debit card associated with the hacked account. To make things worse, after my phone call on XXXX XXXX, 2020, I get an email saying that my new debit card is activated. Mind you the new debit card has not been delivered to my house but the representative took it upon himself to activate the card. When I called Citibank on XXXX/XXXX/2020, I spoke to two different women. The first woman finally deactivated the correct card that was initially hacked into. But then she passed me on to another woman who told me she would get a new card to me by Monday. When I told her that its Thursday and I have no money to feed my children, I requested that a new card be expedited with XXXX but she needed to get a supervisors permission. While waiting for her, the call got disconnected and she never called me back. When this happen, I was on the phone with Citibank for an hour so I went online and spoke to another representative through their chat feature. He informed me that the previous representative did put in an order for a new card to be expedited and arrive by Saturday, XX/XX/XXXX. Currently its XX/XX/XXXX and Im praying that the new card gets here by XX/XX/XXXX. I am writing to you because Citibank and their employees have made so many mistakes with my accounts that it left me without the use of my debit card and my funds. There is no excuse for such a huge bank to make sloppy mistakes that leave families without the ability to buy food especially during the holidays. I dont know if the expedited card will get here by XX/XX/XXXX but I am hoping so because I do need to buy food for my family. I can not keep borrowing money in order to feed them. Shame on Citibank.
Consumer complaint received 2020-12-24
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. (TX)

Equifax credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. Equifax CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Equifax as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Equifax is lowering my score with each credit dispute. EQUIFAX MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : XXXX XXXX XXXX Date of Inquiries : XX/XX/XXXX * XXXX XXXX Date of Inquiries : XX/XX/XXXX and XX/XX/XXXX * XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX  XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

COMPLAINT There were three Unauthorized transaction performed by JP Morgan Chase on my account on XX/XX/18, XX/XX/18 and XX/XX/18. The money were sent to XXXX XXXX without my permission and knowledge, Bank owes me my {$24000.00} I reviewed page 21 of Deposit Account Agreement, under section E, titled In case of Errors or Questions about YOUR Electronic Fund Transfers, it does not apply to this transactions because they were not MINE. If it was mine it would apply to my case, but transactions were not mine, I was not aware or authorize these transaction in any way shape or form. Account was mine, money were mine but actions were by JP Morgan Chase. This section applies to the case if I sent {$8000.00} instead of {$80.00} or changed my mind. This is not a case, I did not send my money to XXXX XXXX, the money were sent without my permission or knowledge. Claim handler XXXX about whom I complain. I is very unprofessional in handling my claim, first of all he has no idea how alerts work, second stubbornly treats transactions my account as they were MY transactions, while those transactions are all done UNAUTHORIZED without my knowledge, but on my account. message for 12th time. How can I defeat this tremendous bureaucracy and get MY money stolen from my account??? Money supposed to be deposited according with my instructions to my other business account XXXX XXXX XXXX. {$24000.00} In addition to my original and unanswered complaint a received a letter with Chase letter head, informing me that application XXXX rewards visa card application was received in my behalf. 
Who gives you right to share my personal information with XXXX?? Reference number XXXX. 
If bank did not do it, it certainly fail to protect my personal information. I did not apply for any XXXX VISA. These will be all part of my lawsuit and Class Action suit against the bank for all the damage.
Consumer complaint received 2021-07-21
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)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.