davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This company is furnishing data without my written consent in clear violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. In pursuant to 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the expressed permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. These companies are calling me XXXX times a day, calling family members and friend XXXX times a day in clear violation. 

Pursuant to 18 USC XXXX, I owe no debt.Company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXXCompany also has NO permission to report ANYTHING using my information pursuant to 15USC1681 XXXX
Consumer complaint received 2022-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (FL)

The company name is American First Finance, they're the most predatory company to exist on the face of Earth. I called and spoke to a representative who stated if I continued to pay my minimum payment the balance wouldn't continue to go up. A balance of {$300.00} has turned into {$1200.00} after already paying almost {$600.00} for furniture that's already in the trash. Ive tried to resolve this issue with them but they do not care. So therefor I have no option but to put a terrible review on XXXX and reporting them everywhere I possibly can. They shouldn't be allowed to get away with this, they're ruining a lot of families credit and pockets over terrible furniture. 

They need to be shut down ASAP, the most predatory lending scamming I've ever seen. 
American First Finance should be ashamed of themselves and they should change their names, they don't deserve to be called/named anything with the word American. Horrible, horrible, horrible company.
Consumer complaint received 2022-06-26
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. (NM)

In accordance with the fair credit reporter act XX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX Act # xxxxx XX/XX/XXXX Acct # XXXX XXXX Bank Acct # XXXX
Consumer complaint received 2021-04-10
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. (NJ)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (MN)

I WANT MY REFUND THAT HAD BEEN CHARGED ON XXXX XX/XX/2019 FROM MY PAYPAL ACCOUNT AND THEY ARE SEEMS TO BE FRAUD SO I WANT TO GET MY MONEY BACK AS SOON AS POSSIBLE
Consumer complaint received 2021-04-10
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)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-09-22
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (NH)

I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX XXXX XXXX Please remove these late payments from my account due to natural disaster.
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (NJ)

I had my card overcharged an hacked into from enterprise an my credit card company said they would fight with me to get my funds back an they charged me an were rude to me when I kept trying to resolve the issue. I was ignored an forced to pay the charges that were overdrafted on my account. After trying to get my credit card company to take off the overcharged assessed fees I had no choice to pay an right after I paid they took my money an dropped my credit card balance an stated because i took too long to pay an was always late when I always paid on time I have my statements it wasnt until I started renting with XXXX an they were overcharging my card an messing with my account as I reported their fraudulent charges. My limit on my credit card has been {$700.00} for 4 years an my score has only changed for 3 years an I have kept up with my payments. They took my {$700.00} an dropped my limit to {$300.00} an refuse to either put my limit back to {$700.00} or give my {$400.00} back. I have been having issues with enterprise for some time now with my credit card an it seems enterprise knows someone in Citibank an every time XXXX report enterprise my Citibank account gets messed with.
Consumer complaint received 2022-08-29
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX Date XXXX Balance : {$11000.00}
Consumer complaint received 2022-08-29
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. (AZ)

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

1

5 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 2021-12-09
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: EQUIFAX, INC. (TN)

I contact XXXX on XXXX XXXX, XXXX, equifax and XXXX  concerning inaccurate information on my credit reports. I sent letters on XX/XX/202 and XX/XX/XXXX, XXXX the first letter noone sent anything and the second letter they said they verified the information and didnt send any proof of verification as requested. This inaccurate information from XXXX on XXXX XXXX is affecting me and i need them all to remove the account immediately off my credit reports.This complant that XXXX on XXXX XXXX, XXXX, equifax and XXXX allegations are not within the accepting standards of reporting law and they are compelled to eradicste by deletion of any adverse indicatoer pr demonstate physically vertifiable eveidence adequateky validated claims.
Consumer complaint received 2021-04-10
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SS # : XXXX XX/XX/2021 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

I have enclosed a copy of my driver 's license and utility bill as proof of identity.

Sincerely yours, ___________________________________XXXX XXXX XXXX
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Patenaude & Felix A Professional Corporation (NV)

This is about discrimination and violations of Federal Laws and also California and Nevada laws. Patenaude & Felix, a XXXX XXXX collection agency with a couple of lawyers, are the terrible perpetrators. 

Apparently this is how this out of State legal firm uses its tactics to terrorize innocent minorities and long suffering protected members including the aged, undocumented immigrants, LGBTQ and persons of color! Help! 

These people have been subjecting us to terrorism for a long time now. They were explicitly told to never call again as there has been death in the family, a XXXX and XXXX victims. But no, they continue to call over and over and over and over again. We have the proof. The calls usually last less than a minute each call, but its so many harassments each day! Both in English and in XXXX. 

We think its Political hatred! We have been seriously damaged by them and are living in fear because of them. Patenaude & Felix, a XXXX XXXX collection agency with a couple of lawyers, are the terrible perpetrators.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Now i know that PayPal close my account for not reason and them will not help me with Getting it back up and going. i just load my PayPal account with my cash deposit and them just close my account for stole my Money. 
They just made all difficult for me. My account was already verified with all My personal information and i never had or made any mistake. I never had any Dispute or charge in my account. They said i can send money to my friend or family and after i load the account they just blocked my account I think this Company stole money from people, without think how people work for Get the money. They never take my calls or respond my message. I have proof about Everything i made in my account. 
PayPal is not doing her job properly and that the reason i am File a report here. 
PayPal violates its terms and conditions in the service agreement and acts to the detriment of users. MY email is XXXX paypay must be close. PAYPAL IS SCAM
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax added a balance of {$2300.00} for a settled XXXX account to my report, then removed it after I called in to dispute the item, and readied the incorrect account and total back to my credit report. This has dropped my score from XXXX to XXXX. My other bureau scores are XXXX and XXXX for XXXX  and XXXX  respectively. This mistake is stopping me from pursuing an FHA loan as I have already told them.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I had to file a Bankruptcy on my home. My deceased mother fell behind on the property taxes and the only alternative I had was to sell the home. Whatever was owed at the time of the closing was paid out. 

I am in the process of buying a home and would like this to be removed if possible. 

Sincerely, XXXX XXXX Phone : XXXX
Consumer complaint received 2022-08-08
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit 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, 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 accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balanced Owed : {$3600.00} XXXX XXXX  XXXX Balanced Owed : {$3000.00}
Consumer complaint received 2021-04-10
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)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-04-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (UT)

I am a veteran trying to refinance my property. I was working with Loan Depot to try and lower my interest rate and take some money out of my property, and was told I needed an appraisal. I paid for a VA appraisal of {$600.00} and had the appraiser come as scheduled. After my appraisal was complete, I suddenly stopped getting communication from Loan Depot. Three weeks went by since the time of the appraisal, and still nothing.

I tried to call and ask the appraisal company, who had called me to schedule the appraisal, if I could get a copy of it. They told me that Loan Depot had the appraisal and that it would be up to Loan Depot if they were going to release the appraisal, which I paid for, to me! 
I reached out to XXXX XXXX at Loan Depot, the individual who was selling me the loan, and I was told that I could not get a copy of the appraisal until I closed the loan with Loan Depot. I am effectively being held in limbo because they have since cancelled my loan but still refuse to give me, or any other company I try to have help me, a copy of my appraisal. 
I have spoken to many individuals, both at the appraisal company, and Loan Depot. I have been given conflicting stories about where my appraisal is. On one hand, they are telling me that once completed, they are contracted to deliver the appraisal in 7 days, and the next person I speak to at Loan Depot is telling me they have never received it. I am extremely frustrated and feel as though my money is being held over my head in the form of an appraisal to coerce me into doing business with Loan Depot. 
XXXX XXXX and XXXX XXXX and XXXX XXXX have all been involved and are refusing to help me get this appraisal.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my sixth 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022