davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
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. (OH)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have privacy rights.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for a purpose. 

The payments were never late.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is Synchrony XXXX  XXXX card for XXXX XXXX XXXXXXXX XXXX XXXX  : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I can not access myequifax.com and there is no solution provided by them, when I have called them either the system is down or they are not able to provide any solution. I have tried all the solutions provided like using different devices, browsers and clearing cookies, but I have never been able to access my account. 
On top of this they do not provide any way to troubleshoot by email, just by phone.
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (SC)

Americollect Inc., is demanding money from me with the intentions of damaging my credit scores if not received in their version of a timely manner. Americollect Inc., are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX. I have not received any goods or services from Americollect Inc., and I do not know how Americollect Inc., received my private medical information. Please be advised no consent to treat documents bare the name Americollect Inc., as Americollect Inc., is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

With proof of receipt Americollect Inc., received my validation notice on XX/XX/2022 via XXXX mail. Americollect Inc., is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to Americollect Inc. , on behalf of another company at the expense of my medical information being on display for whomever. 

Americollect Inc., proved they are willing to do whatever they can to force their alleged clients into paying debts while violating their XXXX rights in the process. The account validation provided by Americollect dated ( XX/XX/2022 ) proves I am the victim, and if I dont pay Americollect Inc. , they will damage my credit scores. By providing documents of my previous private XXXX XXXX, Americollect Inc., have indeed violated my XXXX rights. 

I am not a party to any agreements that Americollect Inc., may or may not have with XXXX XXXX XXXX XXXX I am not responsible for Americollect Inc.s purchase / transfer from XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2022, an unnamed authorized representative of Americollect Inc., mailed her/his/their/a version of a reply to my validation notice. My validation notice was completely ignored. The unnamed authorized representative of Americollect Inc. Due to the carelessness of the unnamed authorized representative for Americollect Inc. , my private medical information is currently on display proving several violations of my XXXX XXXX. 

I have contacted XXXX XXXX XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private medical information to Americollect Inc. At this time, I demand no further contact from any associate or authorized representative of Americollect Inc XXXX 

My credit files are not to be reported to or damaged in regards to this matter as Americollect Inc., are not Holders In Due Course with contractual agreements to support goods or services provided to me.

All calls are recorded for my safety Please be advised that Americollect Inc., is not a Holder in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.
Consumer complaint received 2022-09-18
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: WELLS FARGO & COMPANY (GA)

Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. Wells Fargo, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.
Consumer complaint received 2022-08-09
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 (VA)

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 an account without my written instructions
Consumer complaint received 2018-12-27
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. (FL)

I have some accounts on my credit report that do not belong to me. 

- XXXX XXXX XXXX - {$650.00} - XXXX XXXX XXXX - {$640.00} My credit is reporting as much lower than what it should be due to these fraudulent accounts. I have tried to contact them over the phone but they just want me to pay them.
Consumer complaint received 2022-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

My loan was scheduled to be forgiven by Fedloan XX/XX/XXXX ( this is without the missing counts on my account-additional forbearance waiver being applied, which wouldve forgiven my loans sooner ). I had contacted this company many times via their email portal, and even via the FSA site, to plead with them to keep my file with them so that I wouldnt have to restart the process with XXXX. I have learned from both FSA and via other folk awaiting forgiveness that Fedloan had the power to decide to hold on to loans nearing forgiveness. I thought for certain I would be one of them as several people have stated that they received letters stating they were NOT going to be transferred to XXXX and would stay with Fedloanthese are people with whom I share similar or exact timelines. Do you know what happens to those of us who transferred to XXXX, with only 1 or 2 months before reaching forgiveness? Our counts reset to XXXX, as XXXX has to REVERIFY all of the counts that Fedloan already did! The timeframe for this is anywhere from 60-90 days. 60-90 DAYS!!! This means that those of us expecting forgiveness in XXXX, XXXX, or XXXX may have to wait until XXXX, when loan repayments begin, to be forgiven. My current count is 118 of 120 ; I will have to resubmit a new XXXX form to XXXX. I am currently in PSLF purgatory ; my loans have been transferred from Fedloan to XXXX but I am unable to create an account at XXXX because they dont OFFICIALLY have my files. This streamlined version of PSLF is a total XXXX-show!!
Consumer complaint received 2022-09-18
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. (GA)

There are old credit card accounts that are over seven years old and need to be DELETED from my credit files from all three credit bureaus ASAP because the accounts no longer belong to me per the open dates and time frames. This is against the law to keep damaging reports on a file for over seven years. Please DELETE all six listed below. 

1. ) 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 2022-09-18
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)

XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-18
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. (MI)

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 results from alleged Identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( 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.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (LA)

On XX/XX/2021 chime closed my account because they said I wasnt in compliance with its policies excuted at enrollment I have never did anything fraudulent with my account my funds come from unemployment and STIMULAS I had a total of XXXX XXXX in my account when the closed it and chime is refusing to give me my money back I have set documentation to them and that still didnt work I have contacted the XXXX  the first time they told me to send documentation the second time they said that Im not due a refund.it has been 31 days now
Consumer complaint received 2022-09-18
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. (MI)

XX/XX/XXXX I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft report. 


XXXXXXXX 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 XXXXXXXX XXXX XXXX
Consumer complaint received 2021-03-11
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 IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-03-11
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)

Hello, After receiving my credit report I have noticed many erroneous information reported in my credit report, for example my name in the credit bureaus is misspelled, or incomplete. They are reporting late payments that I do pay on time and continue to pay on time and I even have a good payment history. We already know that all negative accounts are misreported since not even my name is well spelled. I demand that an investigation be opened with my case and these accounts be removed from my credit report.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (MI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

5 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.

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 then seven years.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I've been an Citi Bank customer since XXXX. I've always paid my bill in full never racked up interest charges and never missed a due date and my credit score is over XXXX. I had the advantage. On XX/XX/XXXX, I took a trip from XXXX, FL to XXXX, FL to propose to my fiance in XXXX XXXX. I was not in XXXX at that time and I did not have my Citibank credit card at that time. I saw that there was an unauthorized charge of {$12000.00} to my credit card account. I submitted documentation showing that even though this was my card I did not make the purchase and I was physically not in XXXX at that time. XXXX is the location of the transaction. I was not able to locate the card since I arrived back home. Since then Ive asked for a new card and tried to dispute the change but my account was cancelled by Citibank. I also noticed that my email account associated with my citi credit card account was compromised and that someone accessed my Citibank account online. I also noticed bank accounts added to my citi account I have no knowlege of. Someone had access to my email address as I noticed email I didnt send and emails sent from my email account asking for bitcoins for the attack to stop. I've tried explaining this to Citi Bank and this fell on deaf ears. I have been a loyal customer of Citi Bank since XXXX and it's a shame that they dont listen to their customers and that they treat loyal customers this way.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

On XX/XX/2021 I opened checking and savings accounts at US Bank on XXXX XXXX in XXXX IL. A week later, they closed it, claiming I was in violation of the Deposit Agreement. 

One of the personal bankers at US Bank sent me 2 cashiers checks - one for {$310.00} which was the outstanding balance in checking. And a check for {$290.00} for the outstanding balance in savings. I deposited those checks at my current bank through mobile banking. 

I made a clerical error on the check for {$310.00}, and typed in the wrong amount. XX/XX/XXXXmailed the check for {$310.00} back to US Bank. 

On XX/XX/XXXX, I attempted to be reimbursed for the {$310.00}, at the US Bank branch in XXXX XXXX IL. The teller spoke to US Bank Internal Affairs and informed me that XX/XX/XXXX had cash the check already. 

I then met with the branch manager and Vice President of the US Bank in XXXX XXXX. 

After about 20 minutes, she threatened me with the police. All because I wanted reimbursement for the {$310.00} check. 

When I left the XXXX XXXX branch, two officers of the XXXX XXXX police were waiting in the parking lot. One of the officers went inside the branch to get the branch managers side of the story. 

When he returned, he informed me that if I went into any US Bank branch, I would immediately be arrested.
Consumer complaint received 2022-06-09
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. (OK)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 an account without my written instructions In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION 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 2022-09-18
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. (TX)

I wrote Equifax two letters to dispute two accounts they are reporting the payment status inaccurately. One letter was in XX/XX/2022, the follow up was in XX/XX/2022. 

Ive included both letters as well as copy of both credit reports with highlighted inaccuracies.