davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/22 a lady in plane cloths intruded into my living space in the guise of delivering a package. Having entered through the back gate that was closed without making any sound at the gate, she proceeded directly to the back door through the breezeway of the main house and started thumping on the door. And when I came out from my living area located on the opposite side in the annex, across from the breezeway, she mentioned she has a delivery for me that was in a box that resembled an online order delivery box. Then, she pulled out a sheets of paper stapled together and said that I have been served. I was having my breakfast and was really scared who this intruder inside the breezeway area is. This is to collect a debt of XXXX through Synchrony Bank. I'm assuming this person was working on behalf of Synchrony Bank or a service they had hired. The document said something about being from the XXXX XXXX. which there is a XXXX post nearby. So, I called the XXXX XXXX to find out if this person was legit or some intruder since the XXXX XXXX asked if she was a uniformed officer. Person was not. The lady was 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. I'm really scared for my life because I'm not from here and I have heard some Banks send hit men to your place of living to get whatever they can. Please please help. Now that they know where I'm, will they send a squad to harass, torture and intimidate me in the further in to my sleeping area? I'm very scared Please help. Thank you. XXXX.
Consumer complaint received 2022-08-02
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. (OH)

Equifax is showing a 60 day late inaccurately on my XXXX XXXX XXXX loan and I was able to get this corrected on the other 2 bureaus but not this one.
Consumer complaint received 2022-10-22
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Account Account name XXXX XXXX  XXXX  Account number XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Account name XXXX XXXX  Account number XXXX Account type Credit Card 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 is also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

On XX/XX/2022 I told XXXX XXXXXXXX XXXX  that the debt a collection agency named XXXX XXXX for {$840.00} was not my debt, and that I was a victim of ID theft. They said they would close my account and send it for collection. 

Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX collection agency : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

My sister and I went to a salon named studio elements it was recommended by multiple friends who have had services done by the hairstylist. My sister and I both booked the service after exchanging dms. The amount I had to send to hold the appointment was {$200.00} through XXXX ( chase bank ). This is standard for a lot of private business. Her account is very active and she posts multiple clients on her story and page. We waited in the salon & she was running late. She kept up us updated throughout the time we waited with explanation as to why she was late. After waiting XXXX hours we realized that something was off & ask one of the salon workers if they knew her. They let us know that she no longer works there & that the same thing happened last week to another client. The XXXX was sent to XXXX XXXX. After speaking to the bank I was told they filled a claim but never received the email or heard back from the claim. They told me to contact XXXX directly & XXXX told me they could not do anything that it was up to my bank. Overall nothing has been done.
Consumer complaint received 2022-08-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at 3 are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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 would like a proper investigation under these hard inquiries I did not give any permissible purpose for I would like to have a proper investigation showing written in writing my signature or authorization to run my credit. In accordance with the Fair Credit Reporting act. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

I was scammed out of {$180.00} by someone posing as XXXX they said my electricity would be turned off that day I was scheduled for disconnection they would not take a check they would not take a credit card they said it had to be a bank transfer they said that there was a glitch in the system even though I use the website to pay my XXXX and XXXX bill they had to review the bill to find out if it was paid once they reviewed the billing they would refund my {$180.00} as soon as I transfer the money I realized it was a scam I called the bank but they could not stop the payment
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

The phone number for two-factor authentication is outdated. I can not " prove '' my identity online. This causes a cascade of problems and I am harmed. Synchrony claims the data is in error at a third-party ( s ) but the effect is not seen in any other account using the same third-party ( s ). It is irrelevant. Synchrony has created or caused to be created a condition that blocks me from full ad unfettered access to my account and equal protection under law. 

This condition has existed for years. Synchrony 's claim that outdated credit bureau information will eventually self-correct is absurd in context. It is dismissive and disrespectful of their charter. 

I do not have access to the old phone number. I can not complete any two-factor authentication process dependent on obsolete data. Synchrony unlawfully places the burden on me.
Consumer complaint received 2022-10-22
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. (MI)

XXXX XXXX and XXXX is being reported as late payments on my accounts. It is against the law for them to be reporting that under the XXXX Timing of payments. I would like them removed immediately.
Consumer complaint received 2022-11-15
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

Hello CFPB I'm seeking your help in a matter of a complaint I have with XXXX XXXX Credit Bureau. I first contacted them in regards to not having my XXXX home & the property it sits on, listed on my credit report. I told the gentleman that I had documents proving my ownership. He told me to mail them to them, which I did. I received a letter back from them, telling me they added a XXXX temporary statement on my credit report, indicating that the consumer is deceased. They want me to provide a copy of a government issued death certificate & include a copy of a valid Executor of estate document which authorizes me as a person entitled to manage the deceased affairs. Really!!! 

They are referring to my late husband that passed away in XXXX. We both were originally on the home loan, as joint tenants, & when XXXX spouse passes away XXXX bound, it then automatically becomes the remaining spouses name only on all ownership documents. All the properties are now in my name only. My husbands name is no longer on them. The property Taxes they send to me every year, are in my name only. I sent them all the proven documents with my name. On the documents I sent some were the original from when my husband was still alive & has his name also. I have put my estate in a XXXX trust for my surviving son. Is XXXX XXXX. I pray that you can resolve this, in my favor, & will be added to my credit report. Thank you, Blessings. XXXX XXXX Mailed documents to XXXX XXXX XXXX received them on XX/XX/XXXX. Had countless phone conversations with them, there after. Transferred me from XXXX dept. to another. Contacted FTC they referred me to you, so here I am. Thank you, Blessings
Consumer complaint received 2022-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

XXXX transfer through Chase bank Date XX/XX/2022 XXXX PAYMENT TO XXXX XXXX XXXX debit - {$200.00} XXXX PAYMENT TO XXXX XXXX XXXX debit - {$300.00} XXXX PAYMENT TO XXXX XXXX XXXX debit - {$45.00} XXXX PAYMENT TO XXXX XXXX XXXX debit - {$50.00} The XXXX recipients were claiming to be someone else I have contacted Chase bank to see if they can stop payment or refund the payment transfers I also have a transaction through XXXX XXXX that I am in the process of disputing with XXXX XXXX : POS DEBIT XXXX XXXX XXXXXXXX XXXX TX Misc. debit - {$200.00} I am looking for Chase to ref
Consumer complaint received 2023-01-27
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. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-27
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. (FL)

On XXXX XXXX and multiple banks like XXXX 's score powered by XXXX XXXX  XXXX XXXX XXXX all say i have scores in the XXXX to XXXX for years. I paid XXXX XXXX on time payments since I was a XXXX XXXX XXXX kid and paid XXXX XXXX on time for over a decade as XXXX brought up in a low income minority. My credit use is XXXX % now. i took pics that show a bit higher but still in the green. XXXX derogatory marks, over XXXX accounts, and only XXXX hard inquiry from like XXXX  years ago. and XXXX  year average which is only XXXX XXXX of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has XXXX XXXX payment history over XXXX late payments. a XXXX XXXX is lowest red. He got XXXX XXXX XXXX  XXXX  card usage vs my XXXX XXXX. a {$2000.00} credit limit vs my near {$50000.00}. only XXXX accounts vs my XXXX. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and XXXX XXXX while having XXXX XXXX  marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over XXXX late payments and over XXXX XXXX usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. XXXX XXXX XXXX hard inquiries XXXX greens, XXXX yellows has almost XXXX SCORE! I have XXXX greens, and XXXX partial red XXXX  year average only XXXX XXXX of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the XXXX XXXX XXXX XXXX formulas I should be easily over XXXX especially if a XXXX XXXX history with XXXX hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

USCB America appeared on my credit report for the following dates : XX/XX/XXXX - {$120.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$230.00}, {$44.00}, {$190.00}, {$70.00} XX/XX/XXXX - {$2900.00} I tried calling XXXX and they keep on hanging up on me unless I give them my social security number, address, and birthdate. Sounds like a scam. They don't want to give any information and it's damaging my XXXX XXXX. I refused to give my information so they just hung up on me. I put a XXXX  complaint already but I need help in fixing this. Thank you!
Consumer complaint received 2022-08-02
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. (NJ)

I ask the XXXX XXXX XXXX EQUIFAX to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on XXXX
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. (KS)

In accordance with the Fair Credit Reporting act XXXX  - XXXX XXXX Account # xxxxxxxxxxxx XXXX ; XXXX XXXX XXXX, XXXX Account # xxxxxxxx XXXX ; XXXX  XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX ; XXXX  XXXX  XXXX Account # xxxxxxxxxxxxxxxx XXXX ; XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX ; XXXX XXXX XXXX XXXX  Account # xxxxx XXXX ; XXXX XXXX XXXX XXXX Account # xxxxx XXXX ; XXXX XXXX XXXX  Account # xxxxxx 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 2022-08-24
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. (LA)

XXXX XXXX XXXX, on XX/XX/XXXX and again on XXXX they say was last activity. It depends on which credit reporting agency youre at and when you looking at them. The amount goes from XXXX, to at one time we only XXXX. XXXX. Also to brought the car. Not to mention the car was upgraded to leather by the dealer including seats, doors but not included in sale price of of car. I requested information but denied all information of sale of car. Requested all information not received. 
XXXX That was a paid in full timeshare that was not put up for collateral. Once new owners took over We were not allowed too any meeting for the fact that we were married and our husbands were not on the contacts and we were separated from them. So now they had disconnected phone number to get in contact with them to discuss anything about this XXXX. That was we request a signed contact and validations of XXXX this has not been verified. When I called the number is a non working number, then they replace it with a another number that was the wrong department when I called them. And when I got in contact with them it was still in the wrong department. 
Under the fair credit report act 15 USC1681 I have the right to privacy and I did not give permission to anyone to release my information to anyone, therefore my rights were violated. 
XXXX XXXX I paid them in full with XXXX interest and the reporting it as a charge off.
Consumer complaint received 2022-10-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Possible Financial Inc (CA)

XX/XX/XXXX Account opened XXXX XXXX XXXX - Possible Finance reported 30 days for XX/XX/XXXX and 60 days for XX/XX/XXXX. This is not correct. Possible Finance had my updated debit card on file and failed to debit from the right card. I also did payment extensions and it didn't state or send any documentation stating payment extensions I would be reported late. This is affecting my credit drastically on XXXX on XXXX.