davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (DE)

XXXX XXXX XXXX XXXX continues to report inaccurate information to XXXX, XXXX, AND EQUIFAX, unbeknownst to me up until now. I have been a victim of Identity theft. 

Account # : XXXX - Shows as closed however this account was not mine to begin with, I never authorized or initiated this account setup, and It is was opened in XX/XX/2015, well past the statute of limitation laws of 7 years on a credit profile. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait.

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX XXXX EQUIFAX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Consumer complaint received 2022-07-03
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 did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Consumer complaint received 2022-12-04
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. (RI)

I first ordered a clothing set from the XXXX x XXXX company in XX/XX/2020. Unknowingly, I was enrolled in a XXXX  account where I would be charged {$49.00} a month for a subscription. I attempted to cancel it but there is no clear way to do so. I contacted customer service when I receive XX/XX/2020 charge and was told I had to wait 90 days to cancel but if I logged into the website, accessed my profile, and then hit skip this month, I wouldnt be charged. I was charged XXXX times. I reached out again in XX/XX/2020 and was told there was no cancellation support due to the pandemic. I have contacted customer support for almost XXXX years now. I have to set a reminder to skip or in charged. Ive tried reversing it and filing a claim with my bank, but because I signed up they could not help.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from XXXX, Equifax and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus XXXX, Equifax and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for Equifax for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Consumer complaint received 2022-07-29
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. (GA)

I, XXXX XXXX, as a consumer, living man and XXXX of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX does not have my written instruction to furnish any inquiry on my consumer reports, especially XXXX that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the inquiry by another person ( XXXX XXXX ). XXXX XXXX must adhere to a consumer 's right to privacy. The credit inquiry furnished by XXXX XXXXXXXX is not attached to an open primary account with XXXX XXXXXXXX. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Consumer complaint received 2022-12-04
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION (CO)

To whom it may concern, this letter is to explain what M & T bank is doing to my credit file. On XX/XX/XXXX when congress made the Covid Relief Plan we took the forbearance on my VA Home loan. On XX/XX/XXXX I contracted M & T bank to start making payments. M & T bank approved our 3 month trial. We made our first payment on XX/XX/XXXX. So after M & T gave me a letter stating that at anytime and for any reason they can foreclose on my home. I talked it over with my wife and decided to sell the house. We sold it on XXXX XXXX funds were sent to M & T bank on XXXX XXXX at XXXX threw title company XXXX XXXX XXXX M & T bank decided to state on ALL XXXX of the credit agencies that home was paid after foreclosures processing had started on XX/XX/XXXX. As you can understand this causing me stress and they are defaming my name.
Consumer complaint received 2022-12-04
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: EGL US, LLC (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, dit open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
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: Synovus Bank (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late purpose.
Consumer complaint received 2022-12-04
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: CL Holdings LLC (TX)

15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 purpose.
Consumer complaint received 2022-07-03
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)

When I checked my credit I noticed that there were hard inquiries on my credit that i did not authorize and that i would like deleted from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX. XXXX XXXX
Consumer complaint received 2022-12-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (TX)

Audi Financial Services is trying to collect property tax, on a non-producing leased motor vehicle, leased by me and my business jointly as reported to the credit bureaus by them. 

Pursuant to XXXX  XXXX XXXX / XXXX XXXX / Part XXXX / XXXX  XXXX / Sub-chapter C / Rule XXXX which refers to XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, I strongly claim the application of the law, after submitting Form XXXX as described on paragraph XXXX ( Lessees Affidavit Motor Vehicle Use other than Production of Income sent to Audi Financial Services on XX/XX/XXXX. 
In Texas where I reside, and where the XXXX XXXX XXXX XXXX XXXX was contracted, Leased vehicles are not subject to property taxes unless they are used primarily to generate income. While Texas starts with the premise that all property is taxable, unless exempt by state or federal law, Texas exempts leased vehicles from property tax, unless they are used primarily to generate income. 
Texas does exempt leased vehicles that are not held for the primary purpose of income production by the lessee. These vehicles include passenger cars or trucks with a shipping weight of not more than XXXX pounds and leased for personal use. Personal use would mean using the vehicle for more than XXXX percent of its use ( based on mileage ) for activities that do not involve the production of income. The exemption applies only to vehicles subject to a lease entered on or after XXXX XXXX, XXXX. 
The law does not specify in any sense the type of lessee, and only mentions non-producing vehicle based on mileage like this this case is clearly qualified having just XXXX miles after more than XXXX years by my wife. 
On XX/XX/XXXX I received a telephone call by one of your customer service representatives days after I communicated the facts to Audi Financial Services, and she exposed a completely erroneous situation, with a lack of foundation and which is a breach to the law by the area handling this Affidavits. The lady on the phone exposed confirmed that the area did not have the Affidavit, since it was lost potentially, by them. She also exposed that in any case this vehicle was not subject to the exemption since the contract executed, by my business and myself was merely intended, as a benefit from the business to an XXXX. 
The later is completely non-sense, since the Texas XXXX XXXX addresses the vehicle and in no way limits a non-producing vehicle to the type of client. Therefore to qualify for the exemption, the XXXX XXXX XXXX could be leased by a business, and assigned for personal use as a benefit, or by an individual and used for personal purpose. 

Audi Financial Services is trying to collect the tax from the client after loosing the Affidavit I sent months ago, and after even offering them to replace it if they lost it since it looks they mishandled it.
Consumer complaint received 2022-12-04
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: Kikoff Inc. (IL)

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX bank # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights, kikoff # XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish a account with 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 purpose.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc (OH)

Checkr stated they gave the same report to XXXX as they did me on XX/XX/XXXX with correcting an arrest record from a dispute making everything on the report 100 percent clean and clear as they stated in last reply to CFPB However, for the 6th time I heard from a supervisor, see below. This doesn't sound like an individual that received a clear report and Checkr has not made me aware of any other report past the one from XX/XX/XXXX that has absolutely nothing but the words clear on it. That's six supervisors that have told me in writing they have not seen a corrected report. Quote below from XXXX at XXXX this morning. 


Hi XXXX, This is XXXX, one of the supervisor from XXXX XXXX XXXX XXXX. 

We took a look at your account and your request for access to XXXX driver platform was denied based on the results of a background check. You shouldve received this update in an email from Checkr. That message contains a copy of your background check report and also outlines your right to dispute the results by replying to the email. 

If you have not received a copy of your background check report, you can request one by signing into the Checkr Candidate Portal. 

Let us know if you have any other questions. 

Thank you and stay safe.
Consumer complaint received 2022-12-04
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: ALLY FINANCIAL INC. (IL)

In XXXX and XXXX of XXXX, I disputed ( 3 ) charges. With the disputes, I provided phone records, emails, XXXX correspondence, dates, names, and times of the companies in question in response to OLLO 's investigation. In XXXX, XXXX, and XXXX I received correspondence from OLLO stating that the cases were successfully closed in my favor. The amounts were {$490.00}, {$110.00}, and {$130.00}. I recently received notice from OLLO stating that they reversed the credits back of {$130.00} and {$110.00}. This would be the 2nd time they have done this. I've spoken to ( 6 ) customer service representatives at OLLO some were helpful and some told me that I would have to wait for another investigation. 
OLLO card services refuse to help me the consumer and has sent me ( 2 ) letters stating my case was closed!
Consumer complaint received 2022-09-23
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: EQUIFAX, INC. (VA)

In accordance with the Fair credit reporting act the list of acounts below has violated my federally protected rights to privacy and confidentiality under 15USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USC1681 section 602a States that I have the right to privacy.

15USC1681 section 604 ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c section ( a ) ( 5 ) States no sonsumer 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.

15USC1681s2 ( 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 2022-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I have several store and master card / visa credit cards with Synchrony Financial. Without warning or valid reason they closed all my accounts. I have never missed a payment on any of the cards they closed. I have a good to very good credit score. Many of these balances I have paid in full every month. Not only did they close these accounts without reason, they reported them closed to the 3 major bureaus immediately. No other bank that I have credit cards with has ever done this. I called them and they could not give me a valid reason as to why they have closed my accounts since I have never missed a payment, never exceeded the credit limit or any other negative activity on any one of my cards with them.
Consumer complaint received 2022-09-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

On XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. This account is inaccurate because under 15 usc1666 of the Fair Credit Billing Act a creditor can not restrict or close an account when the obligor has indicated that there is a billing error. I sent this company a notice of a billing error and they continued to close my account. They are not supposed close the account because of a failure to pay. Therefore, this account is inaccurate and needs to be deleted. 
XXXX XXXX Account Number : XXXX Remove this inaccurate account from my credit report They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2022-08-23
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)

Hey I went to the car dealership and was trying to apply for a car. They said they was going to give me a soft inquiry on my credit but when I checked there was a lot of hard inquiries. The names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-03
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: SYNCHRONY FINANCIAL (TX)

15 USC 1681 Section 602A : States that I have the right to privacy 15 USC 1681 Section 604A, Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in collection with the collection of any debt.