davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (MI)

I submitted multiple disputes including the original documentation provided by the creditor that showed that the original agreement with the creditor did not include my signature on any legal documents, just a generic signature that could have been typed by anyone as indicated in the attachment
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

XXXX keeps trying to charge us {$210.00} for XXXX XXXX cards @ {$210.00} which we never ordered. Notified them immediately to reverse. Twice they have snuck them back into our account. We are XXXX XXXX XXXX and have no game devices and no need for cards and never got them. After XXXX reversed challenges they need to XXXX sanctioned and reverse the chargesagain.
Consumer complaint received 2022-04-30
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)

According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation has passed on the following account : XXXX XXXX Account # : XXXX
Consumer complaint received 2015-07-30
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (NV)

Cash Central Pay Day Lenders obtained a Hard Inquire from XXXX XXXX XXXX which had damaged my credit scores and had damaged my financial needs to obtain a loan from other financial lenders. Cash Central informed me on XXXX/XXXX/2015 that although my credit score from XXXX ( XXXX ) is good my application is not accepted for a short term loan. Previously, Cash Central stated that they NEVER obtained a Credit Score directly from XXXX but records found in my credit reports indicates that Cash Central obtained a Hard Inquire from XXXX XXXX , XXXX and XXXX.
Consumer complaint received 2022-04-30
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. (GA)

XXXX XXXX XX/XX/XXXX Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, experian, equifax Please take notice that this letter dated ( XX/XX/XXXX ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MI)

After being approved for a business credit card in XX/XX/2021, Comerica Bank was not able to explain how another bank account ending in XXXX was linked to my business credit card on XX/XX/2021. 'See Attachment. '' I have continuously been overcharged fees going beyond the amount of {$3000.00} which I was approved. The bank manager alleges that I had taken out one cash advance which is causing the high interest rate. I can not recall ever doing a one time cash advance. I am continuously being charged over the rate when I have not used the card in a while. Due to severe Identity theft of my business, i.e ghost companies being established under both my tax ID and Soc Security Number, I believe I am being charged for the illegal schemes that occurred throughout this bank.
Consumer complaint received 2022-10-29
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. (GA)

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

Account name : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX  Bankruptcy Reference # XXXX has violated my rights 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 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.

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 2022-04-30
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)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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. Also states a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2022-04-30
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 Reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1618 Section 608 A 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 and consumer credit plan at late for purpose.

I have remained very humble throughout last year & these last 4 months despite all the stress, abuse and harm that XXXX, EQUIFAX, & XXXX has caused me. I have had a enough of all the abuse and unfair practices from XXXX, EQUIFAX, & XXXX. pursuant of 15 usc 1681b ( 2 ) I didnt give XXXX XXXX EQUIFAX XXXX & XXXX any form of written instructions to accept, furnish or report any information on my behalf by the powers vested in me by the one TRUE living XXXX I hereby DEMAND that all negative accounts, Late payments, charge offs, that was not Authorized or Verified.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

I moved out of a property in 2018, I paid 1st months rent, last months rent and security ( equal to 1 months rent ) when I initially moved in. I moved out before the end of my last month and never got the pro rated amount for last months rent or security deposit back which was fine, the property was cleaned professionally before I left and was in good shape, then I see on my credit report that I owe this property over {$12000.00} which equates to approximately 5 months rent! I have reached out to this property and have told them this is an egregious act and I absolutely do not owe anything to this property and demand they remove this from my credit report and they have been flagrantly unresponsive! Please help as I have a wife and XXXX XXXX XXXX daughter and this collection on my credit is preventing me from leasing a home in a decent area! I lose sleep over this every night! I have been fighting this since 2018 please please help! 

Thanks In Advance For Your Assistance XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX 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 2022-10-29
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: EdFinancial Services (UT)

ED FINANCIAL SERVICES LLC is in violation of 20 U.S.C. 1232g ; 34 CFR Part 99 and the Privacy Act of 1974. They shared information without my consent and it is damaging my consumer report and my life.
Consumer complaint received 2022-04-30
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. (FL)

Equifax illegally reinserted an alleged account from XXXXXXXX XXXX  on my credit report. This account was removed in XX/XX/2021 and upon checking my credit today I noticed that equifax reinserted account dispute the fact account was already removed, despite the fact they sent me no written notification of the reinsertion Thai is unfair please make the necessary adjustment to my account
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (VA)

Venmo has frozen my account without any reason. My account has been frozen for almost 2 years. I have messaged, and called continuously and continue to get one of the following answers, we can unfreeze your account, or we have to send you to another department, that then says oh your account is frozen there is nothing they can do. They asked me to identify my identity which I did on multiple occasions but they continue to give me a run around. They wont let me take out my money and will not give me any resolution to close the account and transfer my money out.
Consumer complaint received 2019-11-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. File #
Consumer complaint received 2022-10-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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. 

The credit bureaus have stated that my account ( s ) were properly investigate, but how is this possible? Equifax is erroneously listing Disputed Item 1 Incorrect address : XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Item XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed XXXX XXXX XXXXXXXX XXXX XXXX XXXX  bankruptcy XXXX Reference Number XXXX Date Filed XX/XX/2013 Correction : My then attorney advised me that a chapter XXXX bankruptcy would remain on my credit report for 7 years not ten years. XXXX DELETED the Bankruptcy from my account ( see attached ) and the XXXX Bankruptcy court failed to verify the debt. My rights are being violated by Equifax. 

These are grounds for removal and XXXX is violating my rights under 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. section 604 A. states a consumer reporting agency can not furnish an account without my written instruction Also, the credit bureau took more than thirty days to complete my investigation. Attached are my USPS tracking number ( s ) :
Consumer complaint received 2022-10-29
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. (NY)

I have sent out plenty of letters and emails to companies requesting information to be removed and updated yet no one has done anything. I have also tried to work with these companies myself to come to some sort of resolution to no avail! These things are interfering with my ability to move forward and its really frustrating! I have been irresponsible before as we all have but I really want them to correct these issues and let me go about my life!
Consumer complaint received 2022-10-29
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. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$3500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-29
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. (UT)

XXXX XXXX XXXX XXXX is in violation of 20 U.S.C. 1232g ; 34 CFR Part 99 and the Privacy Act of 1974. They shared information without my consent and it is damaging my consumer report and my life.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

U.S Bank has decided to close my account because they were trying to protect my account from fraud because of the activity on my account, however they locked me out of my account and I had about {$2700.00} in my checking account. I have tried to call them numerous times and all they do is transfer me to the fraud department just to get the run out and get transferred back to customer service. They informed me they would be closing my account about 3 or 4 different times now and here I am waiting for the closure to take place so that I can have the funds released to me via check because they will not give me access to my account whatsoever.
Consumer complaint received 2021-06-15
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. (FL)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-04-30
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. (FL)

XXXX XXXX XXXX Student loan account that has been transfer to another account. I want this derogatory information removed from my credit report. 

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 2022-04-30
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. (MI)

I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2017. I extended them credit therefore, the finance charge was paid for the entire balance. After the finance charge is taken if there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. But they mislead me to think that i had to pay them. Whenever a open ended credit transaction is entered that information is suppose to be disclosed. Which means its fraud. then they infringed upon my privacy and sent information over to consumer reporting agencies without my written consent. Now they are reporting this to my consumer report which is fraud because I didn't give them consent to have my information and or put it on my consumer report.
Consumer complaint received 2022-10-29
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. (NY)

I am a natural person ; I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (TX)

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.
Consumer complaint received 2022-04-29
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. (MO)

In accordance with the Fair Credit Reporting act 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