davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
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: GOLDMAN SACHS BANK USA (NV)

XXXX, XXXX, XXXX, And XXXX all participated in shady acts in regard to my consumer report. 

They all reported experiences and transactions which is not allowed. 

According to : the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. 

XXXX  XXXX, XXXX, and XXXX all XXXX a late payment as well as my usage. Well if late payments are a form of transactions, and usage is a form of experience these items should not be on my consumer report at all!! 

XXXX is reporting late payments ( APPLE/GS BANK ) as well as credit usage utilization which is a form of experience. 

15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates!!!

i never gave any of these companies written consent/permission to use my PRIVATE DATA to report any payments or utilization to benefit them in their business dealings. 
Let alone any details alone this late payment from XXXX. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

So my right to privacy has been completely violated!!

It also states 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 method undermined the public confidence with is essential to the continues function of the banking system.

Nothing about this late payment is fair or accurate according to the LAW and my privacy rights have been horribly violated, i am disheartened and i have been affected very negatively by this unfair reporting. 

XXXX, APPLE/GS BANK, XXXX, AND XXXX ALL VIOLATED MY RIGHTS BY ALLOWING REPORTING OF THIS LATE PAYMENT TO MY CONSUMER REPORT!!! 

i need this late payment removed within the next 15 days or further actions will be taken.
Consumer complaint received 2022-10-19
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. (FL)

n accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Chime Financial Inc (PA)

Chime is a prepaid credit account with no clearly defined minimum balance. I had a zero balance before I closed the account. Chime reported my account 30 days delinquent. 

Between XX/XX/XXXX, XXXX XX/XX/2022 CHIMEFIN/XXXX XXXX reported my account 30 days late. 

This account is currently closed.
Consumer complaint received 2022-10-23
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. (KS)

Inaccurate personal information still being reported after Equifax response confirming the accurate information is being reported. Complaint ID : XXXX ( 1 ) Inaccurate Name Reporting : Please see attached : My Equifax online report. 
( 2 ) Inaccurate Name Reporting : Please attached : Hard Copy response mailed from Equifax which name is different form online report. 
( 3 ) Inaccurate Address Reporting : Mail being sent to old address : Please see attached Hard Copy response mailed from Equifax Online My Equifax Personal Information ( 4 ) Inaccurate Employer Information.
Consumer complaint received 2022-08-18
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)

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC (GA)

I have contacted Mutual Management Services LLC repeatedly a number of times after discovering this account on my credit report. The first 3 times i reached out all representatives i spoke with claimed to not be able to find the account, which i initially did not find strange because i did not have any knowledge of this debt. After contacting the credit bureaus and confirming that this collection was on my credit report i called back and was tossed around to different reps until someone was able to locate my account. They said a debt of over {$10000.00} was owed to a company called XXXX XXXX which i have absolutely no knowledge of! i let the rep know that this account was either fraudulent or belonged to someone else. The rep thanked me for notifying them and said that they would notate the account and i would stop receiving notifications from them. That coversation was in XXXX. Still this fraudulent information remains on my credit report and mutual management services is refusing to remove it. I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I have attached police report and identity theft report
Consumer complaint received 2022-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ragan & Ragan, PC (GA)

I previously filed a complaint about this law firm due to their lack of proof. No written contract production, no proof of ownership, alleged debt past XXXX. They agreed to drop things. They then proceeded to sue me in my local court for the same matter. I live in XXXX  XXXX XXXX is based in Virginia. I still have zero proof of ownership of said debt. According to the information that the Ragan & Ragan submitted they are the owners. So how can they be the owners and also suing for the company that they purchased the debt from. I further state that the alleged debt has been re aged which is a clear violation. When was the fist delinquency? When was the last payment? 
The previous case number is XXXX
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

I need Synchrony to STOP pulling my credit. My credit score has taken a serious downward turn because of the numerous inquiries from Synchrony Bank. 

My score has dropped XXXX points due Synchrony keeps pulling my credit report over and over. 

I have ( XXXX ) credit card accounts with Synchrony Bank and they have continued to pull my credit. 

They have done nothing but ruined my Credit systemically. One account at a time taking the rest of my credit with it. This bank is the absolute worst. They lowered my credit limit on 3 of my credit cards without notice and never responded to my inquiry as of WHY. Ive been making monthly payments and have never been past due. Theyre worthless and dont communicate.
Consumer complaint received 2022-10-13
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. (SC)

In accordance with the Fair Credit Reporting Act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Fair Debt Collection Practices Act - 807. False or misleading representations
Consumer complaint received 2022-10-13
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. (GA)

As a result of a divorce in XXXX, the judge ruled that my ex-wife would be solely responsible to pay the mortgage, homeowner 's association, taxes, and insurance on the home. We signed a quitclaim deed that removed the home out of my name. However, 5 years later, my ex-wife did not comply with the judge 's orders and has missed several payments on the home, along with forging my name on a loan modification which has decreased my credit score, tremendously. The forging of the loan modification took place on XX/XX/XXXX, a year after the divorce was final. I am hoping that with all submitted documentation my credit score will be restored to it's rightful score. On XX/XX/XXXX, I filed a complaint of forgery with law enforcement. The home is currently {$7200.00} behind in mortgage and penalty fees.
Consumer complaint received 2022-10-13
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : XXXX XXXX XXXXXXXX XXXX  ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX  ACCT NUMBER : XXXX XXXX, Account Name XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX  ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, Account Name : US BANKRUPTCY COURT-XXXX XXXX XXXXXXXX : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX # # # # XXXX, Account Name : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, have all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been  successful.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

To whom this may concern, I noticed Experian XXXX  fails to provide legal documentation for proper verification of the inaccurate accounts it continues to furnish on my credit report. The inaccurate accounts are as follows ; XXXX XXXX, Account # XXXX Consumer law violations : Failed to provide XXXX documents to me for proper verification of accounts furnished on my credit report. 

LAST WARNING! IF YOU CONTINUE TO FURNISH INACCURATE ACCOUNTS ON MY CREDIT REPORT. I WILL FILE A MOTION AGAINST YOU WITH THE STATE OR FEDERAL COURTS! 

Consumer violation this account is XXXX  cancelled debt.
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (AZ)

Letter received by Gurstel Law Firm XX/XX/2022 indicating a debt owed. I do not have any relationship or contract with Gurstel Law Firm. On XX/XX/2022 a USPS tracking XXXX a letter was sent requesting the following : 1. The amount you claim the Principal owes on said account ; and 2. An explanation showing me how Gurstel Law Firm computed the amount ; and 3. The identity of the original creditor ; and 4. Confirmation that the account has not exceeded the statute of limitation ( SOL ) period ; and 5. Evidence that you are a licensed debt collector in the STATE OF Arizona ; and 6. Evidence of your license numbers and your registered agent ; and 7. Certified Final Forensic Internal Audit of said account 8. Tax Registration Certificate.

9. A rebuttal 10. A wet ink signature I gave them 10 days to respond, but it took them 20 days and the response did not include anything stated above. They decided to send a letter, but no documentation of any contract between the parties. 
This is harassment as 1. there is no debt owed between XXXX and GURSTEL LAW FIRM 2. GURSTEL has not been able to prove that a contract exists between the parties. 
3. GURSTEL continues to send large packets of paper that has no evidence of relationship between the parties. 
According to 15 USC 1692 C - A debt collector can not contact me without my consent. I gave no consent for this company to contact me in the first place, but they have continued to contact me without basis.

15 USC 1692b- they have stated they are in the business of collecting a debt. I have no context for this relationship or debt with this company.

15 1692d ( 2 ) Inappropriate language - sending me a letter indicating " debt '' has been troubling. I have tried to resolve this, however they have not responded appropriately.

15 USC 1681n - GURSTEL is in willful non compliance by continuing to ignore the consumer request to verify the account and validate the debt.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC ()

I tried withdrawing my funds from the company but they didnt allow me to get my deposited funds back. The CEO of the company XXXX XXXX manipulated me and many others into thinking that our funds are safe and that the company operates as a bank, while instead of giving out loans with my money, they were investing in risky assets as unregulated hedge fund.
Consumer complaint received 2022-09-19
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. (FL)

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES!


I AM SHOWING  INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES?

DATE	COMPANY	ADDRESS	REQUEST ORIGINATOR	
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX		

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX I DO NOT HAVE ANY OF THOSE ACCOUNTS OR EVVEN APPLIED FOR THOSE ACCOUNTS
Consumer complaint received 2022-08-02
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)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

I am submitting a formal complaint to address a false and erroneous DUI that is being reported on my record. This company has caused adverse action and undue stress due to its distribution of this fake information. I demand this information be corrected and removed immediately before a lawsuit is filed due to a violation of the FCRA. This organization has a responsibility to only report correct information and has completely failed in protecting me from false and detrimental information. This is a disgusting display of negligence and its negative impact of such blatant disregard.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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