davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-17
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. (IL)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

XXXX XXXX XXXX $ XXXX XXXXOpen date Reference # XXXX XXXX XXXX Bankruptcy I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I. Because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match.
Consumer complaint received 2022-12-01
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)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCollect, Inc. (NJ)

I have disputed this with the other credit bureaus and they have both agreed this was not my debt and have removed it from my credit report. XXXX removed it in XXXX and then added it back on. Per the FCRA this is not my debt and is causing issues with my life. I am attaching proof that this is not showing up on my other credit reports.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

I contacted Synchrony bank after my last payment in XX/XX/2022 and let them know I was having a hardship and would be late on payments until XX/XX/2022- I was informed that as long as I resumed payments by XX/XX/2022 my account would remain open. I was not offered hardship assistance. On XX/XX/2022 they closed the account with out notification which has now ruined my credit for the next 7 years and will prevent me from buying a car or a home.
Consumer complaint received 2017-04-05
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: LoanHero, Inc (NC)

I opt in to receive assistance from  XXXX   XXXX    XXXX   and after filling out the necessary documentation I 've been trying to get in contact with them to cancel the process once I found out that I could 've done everything for free of charge. I 've left messages and called numerous of times but no call or response and they have an automatic system that 's set up to lie about their hours. It has n't  been thirty days and I 'm not  due for a payment yet all I want to do is cancel my whole consolidation process.
Consumer complaint received 2022-09-21
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, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (FL)

I asked Equifax to look into incorrect information on a reported account- XXXX account # XXXX. Equifax sent an email 2 hours later stating that everything was correct. Equifax did not contact XXXX to verify information. This account was never paid late. The information in the report is incorrect. Equifax did not take the time to conduct a proper investigation and as such has violated my rights. 

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

15 U.C.S 1681 section 602 A. states I have the right tom privacy.

15 U.S.C 1681 Section A. 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (KY)

XX/XX/XXXX I got an email that my savings and checking accounts at Discover bank had been closed. I called multiple times speaking to representatives from their security team ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ). No one could tell me why the account was frozen. When asked when I would get my money back, they told me 60 days from the last date of deposit. Which would of been XX/XX/XXXX. Randomly, I received an email about a month or so after saying my accounts were closed. XXXX on XX/XX/XXXX said that i would not get my money back until 60-90 days. This was the first I had heard of 90 days at all. On XX/XX/XXXX, I spoke to XXXX who then said it has to be XXXX business days, and that they had until XX/XX/XXXX to release the funds. She offered to email " them '' to expedite the release of the funds. This was with no guarantee that it would actually happen. The XXXX business days was also new information. There has been nothing but inconsistencies with them. They do not tell you why your accounts were closed and treat you as if you are doing illegal activity. They refuse to give me my money back pending investigation.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (KS)

So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institutions are supposed to share my information to 3rd party people.

These are clear violations of my federal protected consumer rights.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

Deposited two settlement checks, chase cleared one check and put a hold and restricted my account on the second one. After multiple verification that the check was a good check they refused to lift the restriction and release my funds. Thus messing with the livily hood of me and my XXXX XXXX as this is my primary account.
Consumer complaint received 2022-06-05
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (NJ)

Ive sent letters off and receipt confirmation on XX/XX/2022 From Equifax. Here is my United State Postal article # XXXX and received confirmation from XXXX XXXX, confirming Equifax did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to

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 AND I did not give anyone written instructions.
Consumer complaint received 2022-08-22
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. (TX)

I have disputed multiple account working on my credit report to no avail. I do not believe a fair and accurate investigate was conducted into the accounts. I am requesting again a complete and accurate DEBT VALIDATION of the accounts. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I wish to receive accurate reporting of accounts, complete report with validation method and itemized report of debt due and a signed copy of debt origination with my signature. 

XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX According to the 15 USC 1681 , i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I have a checking account with the debit card and a secured credit card with chime Financial Bank. On XX/XX/2022 there was an authorized transaction XXXX of them the first one was for {$100.00} the second one was for {$200.00} it was done through XXXX my account was hacked and someone used my secured credit card to buy {$300.00} in cryptocurrency. I filed a dispute with chime Bank as well as contacted several times XXXX. chime Bank said they did an investigation and they denied me my money back. I have had several conversations with them they contacted XXXX which XXXX stated that I went to New York opened an account and used my own card to buy {$300.00} in cryptocurrency. I live in California I have never been to the state of New York in my entire life. I stated this with them I filed a complaint with the Federal Trade Commission I filled out a report with identitystep.gov all of which I've sent the documentation to chime Bank. The response continues to be denying me my funds back. XXXX will not even respond to my emails. And I have no way to contact them by phone. This is the second time that my chime bank account was hacked into at the first time was XX/XX/2022 of which somebody did XXXX transactions through XXXX bill pay in my name on my card and drained my account of every bit of money that I had that time time returned all of my money except for XXXX transaction I was denied XXXX transaction. This time I have recovered nothing.
Consumer complaint received 2022-06-07
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. (MD)

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
Consumer complaint received 2022-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Someone stole my identity and used fake ID cards withdrew cash from Chase Bank cashiers, which were {$1000.00} from my checking account and {$1000.00} from my savings account on XX/XX/XXXX, {$800.00} from checking on XXXX XXXX, and {$300.00} from saving on XX/XX/XXXX. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had been working at company from XXXX XXXX  to XXXX XXXX. I did not go to Chase Bank or withdraw money on that day. My company can certify my working schedule. I don't know who used my identity to withdraw money. I never lost my driver 's license, bank cards or other ID cards. I realized my money was stolen when I checked my Chase APP on phone. I went to Chase bank branch. The employees checked surveillance camera, and then told me someone withdrew cash from cashiers. 

I want to file a claim, get back my {$1800.00} from savings account and {$1300.00} from checking account. I have attached police report and my working proof. 

These are the 4 police report case numbers : XXXX.
Consumer complaint received 2022-09-21
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. (MD)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
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)

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 1692C 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 connection with the collection of any debt 15 U.S.C 1692B Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; 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 ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (DC)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681cXXXX Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS 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 did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-07
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. (NY)

In accordance with the Fair Credit Reporting act 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-06-29
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: Penn Credit Corporation (PA)

I have filed 3 complaints now over this issue. Latest response for penn credit was that they found it to be true and mail results to me. Issue is this is not mine, dont belong to me and is for an address that is not mine. They are sending the verification and surely personal info about me to someone else at the address they have in there file. Mailing results is just an easy way for them to blow off the fact that their investors has prodyfausle finding. Im sure all that was verifywas that they had my call Social Security number. Well thats how ID theft works some one takes your info. 

I have attached their blanket response to the previous complaint number XXXX
Consumer complaint received 2022-09-21
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: DISCOVER BANK (GA)

In accordance with the Fair Credit Reporting act Discover Bank Account ending in 2013, 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 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-04-25
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. (SC)

On XX/XX/2022 I requested an investigation into my credit report because their are items that I have no knowledge of. I never received any documentation bearing my signature in relation to these negative accounts. I reached out to the credit bureaus in regards to this matter and they have not conducted a proper investigation. Then I requested them to verify the debt according to the FCRA and again I got ignored these negative items do not belong on my credit report. 
XXXX XXXX # XXXX OPENED XXXX BALANCE {$630.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} THESE XXXX XXXXCCOUNTS ARE DUPLICATES. 
XXXX XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$990.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$1500.00}