davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FORD MOTOR CREDIT CO. (IL)

I, XXXX XXXX have been abused by Ford Motor Credit Company who is criminally and civilly held liable for Fraud, Abusive Practices and other Consumer Violations. The Participating parties include XXXX XXXX ( XXXX XXXX XXXX, XXXX ), who repossessed my vehicle under fraudulent pretenses, XXXX XXXX, XXXX who attempted to sell my vehicle under unlawful pretenses, XXXX XXXX Police Department ( Represented by XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, ) who enforced an unlawful repossession, and lastly XXXX XXXX XXXX XXXX XXXX, ( Legal Representative of Ford Motor Credit Company ) who enforced the repossession by demanding me to pay a balance that has already been paid, by requiring me to provide proof of insurance which should have been included in finance charge, and forcing me to file ( and provide proof of ) bankruptcy to get my property back. The above parties have collectively conspired to violate me pursuant to : 15 USC 1601 15 USC 1602 ( 1 ) 15 USC 1605 ( a ) ( 5 ) 15 USC 1611 15 USC 1635 ( a ) ( b ) 15 USC 1640 15 USC 1663 ( 2 ) 15 USC 1692 ( e ) ( f ).

Other violations include : 18 USC 242 18 USC 894 ( a ) ( 2 ) 18 USC 1951 31 USC 5118 UCC 3-603 ( 810 ILCS 5/3-603 )
Consumer complaint received 2022-08-28
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. 

Equifax is governed by 15 U.S.C 1681. And they violated my rights numerous of times. I DEMAND the accounts listed below be removed because according to 15 U.S.C 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX
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. (SC)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX 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 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

XXXX XXXX is showing up on my credit report. This account is not mine. Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/2018
Consumer complaint received 2022-08-28
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: Nelnet, Inc. (NC)

This company and XXXX refuse to remove the incorrect information reporting on my credit report. I have contacted both XXXX and the company XXXX and most recent was XX/XX/XXXX. The company is violating several laws. The company has refused to send any documentation bearing my signature to this date. They continuously reage the debt. The account was showing opened in XX/XX/XXXX, but the balance was updated XX/XX/XXXX. The account is listed as paid, was chargeoff. How can the account be listed as both. This is inaccurate. The account is showing past due 120 days in XX/XX/XXXX, but happened to 30, 60, 90 days past due. The original balance was showing {$6700.00} buth there is no past due amount but yet the Creditor updateed the status on XX/XX/XXXX to paid, was charge off. Under South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years. As an article from the U.S. Federal Trade Commission ( FTC ) explains, the statute of limitations typically begins ticking once a debtor fails to make payments on the debt.

I will sue both companies based on these laws ; 15 U.S. Code 1681a - Definitions ; rules of construction. ( k ) Adverse Action.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

My email provider, XXXX XXXX XXXX XXXX XXXXXXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.
Consumer complaint received 2022-06-08
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. (TX)

I am XXXX XXXX and I am filing this complaint because I have been reporting the unknown informations in my consumer file but I get no response. This has been multiple times that I have submitted a dispute letter yet they failed to notify me nor fix the issue.
Consumer complaint received 2022-07-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Open XX/XX/2019, 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 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
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (NV)

on XXXX XXXX i was basically for into this contract with lies and deceit which include High finance charges, lies about vehicle conditions, the amount of monthly income was higher than what i made, Dealership add XXXX XXXX in which i declined, as of late XXXX i recognize there is fraud in my Contract that breaks my rights as a consumer, being overcharged and co horsed to be in the retail installment contract.
Consumer complaint received 2022-07-29
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. (MI)

Chase was supposed to have closed card ending in XXXX... they did not. Issued new card ending in XXXX. Continued to pay off of XXXX i had no idea until I called XXXX and they said thats the card they used
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the fair credit Reporting act the following listed below has violated my rights. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 2022-04-25
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. (NY)

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

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

15 U.S.C 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2022-07-02
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. (NJ)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
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. (TN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-22
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. (KY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-22
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: Credit Karma (GA)

From the year XXXX I have been deceived by Credit Karma false pre-approved credit card and personal loan offers. Those offers have cause damage to my credit and on some occasions the loan companies would say they would pull a soft inquiry on your credit report in turn they would pull a hard inquiry which causes damage to my credit score and the ability to get the credit that I rightfully deserve.
Consumer complaint received 2022-06-08
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (AL)

On XX/XX/XXXX, I filed a dispute through concerning my loans with Sallie Mae. My credit report states that the loans closed back in XXXX but the balances are still showing up. I filed a dispute that the accounts are closed. According to the Fair Credit Reporting Act, I should have heard back concerning this matter from XXXX - XXXX days in which I have not heard anything yet ; it has been over four months now. I want the loans removed from my credit report.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

I have been attempting to file a claim with my Chase Sapphire Card in order to be refunded for travel disruptions. I have attempted to use their website but it doesn't work. I have contacted agents and requested a physical form. I was promised one would be sent to me. After 2 months no form has arrived. Every time I call I'm put on hold for long periods of time. Chase is trying to make me give up on filing a claim.
Consumer complaint received 2022-08-28
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. (GA)

I have inquired with Equifax and XXXX to remove : US BKPT CT GA XXXX from my report. This item is causing my livelihood to be interrupted and I can move forward. Under the 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 Section 2 ; also states a consumer reporting agency can not furnish an account without my written instructions. Please remove this item so that I can apply for jobs and purchase needed resources to better my living situation.
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 

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
Consumer complaint received 2022-09-22
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: Capio Partners, LLC (NC)

This company is fraudulently alleging that I opened an account with them on XX/XX/2022 and that I owe them a past due balance. This untrue and inaccurate. I have no contracts or other business relationship with this company and never authorized them to share my personal non-public information with any parties, including them. They have not been responsive to my attempts to remove this information from my credit report.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

In XXXX 2022 and without my approval, Wells Fargo switched my checking account to a different account product with higher monthly service fees and balance requirements. I've been a Wells Fargo for over 20 years and my checking account was called XXXX Checking with a $ 25 monthly service fee that is waived by maintaining a {$20000.00} balance. In XX/XX/2022 and without my approval, Wells Fargo changed my account to XXXX Checking which requires a {$250000.00} balance to waive the higher $ 35 monthly service fee. Wells Fargo explained my account was changed to " XXXX '' as part of a restructuring of their checking account products. However, they still offer a Prime Checking account with a $ 25 monthly service fee that is waived by maintaining a {$20000.00} balance so there was no need for Wells Fargo to change my account to XXXX with higher fees and balance requirements. To switch my account back to XXXX Checking, they requested that I come into the branch to sign forms.
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 item listed below which is 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, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$10000.00}
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. (CA)

In accordance with the Fair Credit Reporting Act 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-22
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. (SC)

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
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. (CA)

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX 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 2022-07-02
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 XXXX XXXX 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 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (TX)

Hello on XX/XX/XXXX payment arrangements were made in agreement with GM a Goldman Sachs for my account. On a recorded line the representative sent me up for a payment plan and describe the payment plan to me. The representative of the company did not explain the payment plan to me in for and accurately. A full investigation including pulling up phone calls that were made on the recorded lines need to be done!! 

I made payments for XX/XX/XXXX and XX/XX/XXXX as scheduled and as agreed-upon and yet we still report it late payment to my credit bureaus twice. 

I made the on-time payments as agreed-upon and should NOT HAVE BEEN REPORTED LATE. 

I request a full investigation and removal of my INACCURATE DELINQUENT REPORTING for XX/XX/22 and XX/XX/22 On account ending in XXXX
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: FC HoldCo LLC (IL)

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 a 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
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (MO)

I have repeatedly requested a full accounting of all payments and charges for this account from its Inception to verify the amount owed is correct the company has refused to respond for over 9 months now. The next step is to file a civil lawsuit in small claims court in XXXX Missouri against all board members and directors for the above company