davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NH)

I am a natural person i'm a living human being I have the right under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times and I demand these accounts listed below be removed because according to 15 usc 1681. I have the right to privacy and I did not receive the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Last reported XX/XX/XXXX {$3800.00} Open balance XXXX XXXX Original creditor XXXX  Opened Account status XX/XX/XXXX ( XXXX XXXX ) Open Type Responsibility Individual Placed for collection Remarks Original creditor name XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$700.00} Open balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type -- Responsibility Remarks Original creditor name Individual Dispute resolved; customer disagrees XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Responsibility Remarks -- Original creditor name Individual Placed for collection XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2400.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Responsibility Remarks Original creditor name Individual Placed for collection XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$6000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Responsibility Remarks Original creditor name -- Individual Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$600.00} Reported balance Original balance You owe 100 % of the original balance {$600.00} XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ) Account status Closed Type -= Responsibility Individual Remarks Placed for collection Original XXXXXXXX XXXX XXXX XXXX This account was closed on XX/XX/XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$8000.00} Reported balance Highest balance Nice! You've paid off 68 % of this loan {$24000.00} XXXX Highest balance Monthly payment Opened Term {$24000.00} $ O XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (CA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights under15 U.S.C. 681 XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX account # XXXX and # 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 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 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit 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 an account without my written instructions.
Consumer complaint received 2022-03-12
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: JPMORGAN CHASE & CO. (MA)

I disputed a charge from an online merchant with my credit card company ( Chase Card ServicesXXXX XXXX because the merchant had engaged in bad business practices which included misrepresenting their return policy online, shipping me a product I had cancelled because I learned about a restocking fee for returns that had not been disclosed at the time of my purchase, refusing to refund me my {$21000.00} because XXXX failed to retrieve the package in a timely manner that had been wrongfully delivered to me. I disputed this charge twice with my credit card company because they failed to find in my favor and because I had new information for them regarding my case. The second time I disputed the merchant charge with Chase Card Services was on XX/XX/22. I am concerned that the credit card dispute team is not aware of or adhering to relevant consumer protection laws that are applicable in my case. Their phone number is XXXX
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CT)

On or about XX/XX/2017, I paid the total amount owed in full and was promised the account would soon close. XXXX  XXXX  is reporting a false amount and still has the account open
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (OH)

Emails from Synchrony Bank aka Sam 's Club credit card contain invisible trackers even in most service related communication. These spy trackers ( also known as XXXX XXXX XXXX XXXX ) are with domains like XXXX XXXX XXXX  xxx and invisible by design. Such trackers usually collect IP address, location, time of opening the emails, device type and operating system, forwarded email address. Being unconsented, these are examples of breaking receipts ' trust and AFAIK violations of all privacy laws.
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. (NY)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (FL)

This has been ongoing issue. Since XXXX XXXX i found out the merchant refunded XXXX back to my bank with chime bank but that money never came back to my account. When i created a dispute about this i was denied XX/XX/XXXX regarding t

his. So right now i need to know why are they illegally witholding my money, when they got it back as a chargeback. Chime needs to return my money
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

In XXXXXXXX XXXX  XXXX I leased the car from XXXX XXXX XXXX XXXX XXXX XXXX NY ). The leasing company would be Kia Finance, Account Number available upon request.

At this time, Kia Finance would be the title holder. 

XXXXXXXX XXXX XXXXXXXX I had completed a lease buyout through XXXX XXXX, Account Available upon request. 


I called XXXX XXXX customer service to request a duplicate title. They had told me that since XXXX received the title, I would have to request a duplicate from them/have XXXX request from the DMV. 

Reached out to XXXX, they had advised that they never received the title. They suggested that Kia orders it. XXXX has never received the original title and had therefore not been able to file on my behalf. 

Ive contacted Kia Finance multiple times and requested to speak to their supervisors. Neither the representatives or supervisors were willing to order a duplicate. Nearly every rep had said that since the title was sent to XXXX, they would have to put the request through. 

This went back and forth for about three months. A supervisor at XXXX was in direct contact with me. She had believed Kia was going to request a duplicate from the DMV. This ended up never being requested and XXXX has not responded to my last three status requests.

Kia Finance has now refused multiple times to send me or XXXX a duplicate copy as they believe they are not the Title Holders. 

Ive attempted to have XXXX XXXX Kia request a copy. The first time I went in, a representative gave me an Odometer statement to submit to Kia Finance. She claimed this would correct the title issue. Nothing was every confirmed to be received and no updates were made to my title. 

I visited the dealership a second time and was told that since it was the end of the month, they were unable to assist me. I scheduled a follow up for XXXX. 
When I went back in, the title/billing representative had said she would request the title from Kia Finance directly/her contact there. I followed up a week later as I didnt hear anything and was told that Kia Finance had not responded.

Ive reached out to Kia Corporate as well. That was shooed away and they did not seem to understand the situation. 


I also had filed a complaint with XXXX XXXX XXXX and had just recently requested to keep the case open. Kia has never reached out to me regarding this. 
File number available upon request I've now had to hire an attorney to draft a demand letter as well as file this complaint.
Consumer complaint received 2022-03-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (TX)

I have US Bank checking account ending in XXXX. I tried closing it and called XXXX. 3 transfers and after that i spoke to XXXX at XXXX pm to XXXXpm. Already I was on the phone for 35 minutes and my time is valuable. 
This guy XXXX was asking way too many questions that one should be asking for closing the account. He didn't close the account and I told him that i will file CFPB complaint for this. 

US Bank is recently fined for opening sham bank accounts so I understand that US Bank will create obstacles not to close the account. Moreover US Bank hire very cheap XXXX workers rather than talented and hard working XXXX workers for their IT/operations work.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

On XX/XX/XXXX I bought a Vanilla Gift card from a XXXX in XXXX for {$220.00} dollars. I used it to buy {$140.00} of merchandise on XXXX. but when I tried to use it anywhere else with the value of purchase being under the remaining {$77.00} it would not work. I tried checking my Balance on Vanilla Gifts website but it would keep having system errors, even when I tried other browsers or my cellphone. I can't even get into the Card 's account.
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Municiples employees XXXX  Municipal employees XXXX  Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.
Consumer complaint received 2022-10-19
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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. (SC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the FCRA, XXXX XXXX - XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, US BKPT CT XXXX XXXX XXXX XXXX, have violated my rights XXXX 

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 2022-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Abra (HI)

The Abra cryptocurrency app held a XXXX podcast event on XXXX XXXX  XXXX. All participants who submitted their Abra Wallet ID into the chat box were promised a XXXX bonus payout. I was one of the first 20 participants to do this. It is now XX/XX/XXXX and I still have NOT received anything. I even submitted screenshots to prove my participation which clearly shows my XXXX username and Abra Wallet ID. I have contacted Abra support only for them to keep telling me to wait. I have been waiting long enough and I am tired of waiting. It seems like Abra is stalling because they do not want to honor the payout.
Consumer complaint received 2022-03-11
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. (VA)

Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
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: U.S. BANCORP (GA)

I purchased a camper and US BANK assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped XXXX XXXX and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or 1 late payment.
Consumer complaint received 2022-03-11
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. (LA)

I spoke with the credit bureaus about these unauthorized inquiries to no avail. I am told I have to speak with a special department but they said they can not transfer to the department. I have to wait for them to call me back in 4 days. This is ridiculous! Someone is using my information and applying for credit and I have to wait?
Consumer complaint received 2019-08-07
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: LEXISNEXIS (GA)

I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX.