davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that need to delete in my personal file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-08
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. (TX)

I am disappointed by the actions taken by the Credit Reporting Agencies and continued reporting the disputed accounts without providing me copies of proof of verification for the accounts the Credit Bureaus claim as verified. I conducted a research with my Credit Report and noticed that : 1 ) there are accounts reporting late payments on my Credit Report even though it is clear that I never missed a payment ; 2 ) there are closed accounts reporting late payments even though the accounts are closed and the balance is 0 ; 3 ) charge off accounts reporting balance or accounts reporting even without my knowledge ; and 4 ) there are accounts reporting on some Credit Bureaus even though it was deleted from the other Credit Bureaus. I am submitting this CFPB Complaint to request that the accounts be corrected and or deleted : XXXX FL XXXX XXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-08
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. (AL)

viewed credit report seen inquires i didn't apply for /these are fraudulent inquires sent letter no response XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (MO)

Credit karma offering pre-approved credit cards and every time I fill out the form for a pre-approved credit card or loan I get denied which lowers my credit score an it says it doesn't lower my credit score but it leaves negative marks on my credit.
Consumer complaint received 2021-09-24
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CO)

I sent a letter to EXPERIAN disputing the inaccurate accounts information as erroneous on XXXX XXXX, 2016 certified mail, return receipt requested. I received notice in the mail that EXPERIAN received the dispute on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from EXPERIAN. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. EXPERIAN must NOW delete the disputed and INVALIDATED accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
I have previously enclosed a copy of the receipt showing when EXPERIAN received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

THE FOLLOWING INACCURATE ACCOUNTS SHOULD NOT BE ASSOCIATED WITH MY EXPERAIN CREDIT REPORT, WHICH ARE LISTED BELOW : US BKPT CT CO XXXX IDENTIFICATION NUMBER XXXX ACCORDING TO MY RECORDS, I HAVE NEVER FILED BANKRUPTCY, AND I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE DOCUMENTATION DIRECTLY FOR THE US BKPT COURT SHOWING THAT THEY DO NOT HAVE ANY RECORD OF ME FILING A BANKRUPTCY! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THE US BKPT COURT HAS PROVIDED TO EXPERAIN ON MY BEHALF, SHOWING THAT I XXXX XXXX HAVE FILED A BANKRUPTCY! AS EXPERAIN IS IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO REMOVE THIS INACCURATE, INVALIDATED, DISPUTED ACCOUNTS INFORMATION. 

XXXX PARTIAL ACCOUNT NUMBER : XXXX ACCORDING TO MY RECORDS, I DO NOT HAVE AN ACCOUNT WITH XXXX, AND I WOULD LIKE TO KNOW WHY THEY HAVE BEEN ASSOCIATED WITH MY PERSONAL CREDIT REPORT! I AM NOW DEMANDING THAT A COMPLETE VALIDATION OF THIS ALLEGED ACCOUNTS INFORMATION BE PREFORMED, IN THE EVENT THAT A LEGAL VALIDATION OF THIS ALLEGED ACCOUNTS INFORMATION CAN NOT BE MADE THEN REMOVE THIS INACCURATE ACCOUNTS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 

XXXX PARTIAL ACCOUNT NUMBER : XXXX .... 
ACCORDING TO MY RECORDS, I HAVE DO NOT HAVE AN ACCOUNT WITH XXXX, AND I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE DOCUMENTATION DIRECTLY FROM XXXX SHOWING THAT THEY DO NOT HAVE VALID RECORDS OF MY ACCOUNT! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH XXXX HAS PROVIDED TO EXPERAIN ON MY BEHALF, SHOWING THAT I XXXX XXXX HAVE AN ACCOUNT WITH THEM! AS EXPERAIN IS IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO REMOVE THIS INACCURATE, INVALIDATED, DISPUTED ACCOUNTS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2022-09-08
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX Date of inquiry : XX/XX/2021 Please Delete Immediately. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP (TX)

On XX/XX/2021, Rausch Sturm LLP sent a letter to me stating that I owe an alleged debt. After reviewing the letter from them, I noticed Rausch Sturm LLP has violated many of my consumer rights. Pursuant to 15 U.S.C. 1692e ( 3 ) Congress states " a debt collector may not use the false representation or implication that any individual is an attorney or that any communication is from an attorney. '' Also, pursuant to 15 U.S.C. 1692c ( a ) Congress says " 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. '' I never gave consent to Rausch Sturm LLP to communicate with me over an alleged debt. Since I did not give consent, that means Rausch Sturm LLP has obtained my private information illegally. This is a total breach of my privacy and is equal to Identity Theft. Below, I have attached a response demanding them to Cease and Desist from all communication with me pursuant to 15 U.S.C. 1692c ( c )
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (PA)

They have called me several times between XX/XX/2022 and now XX/XX/2022. They are trying to collect {$260.00} from me. They always try to talk down to me as if I am low if an individual because I can not afford this amount at the moment. I asked them to not call as much and I get constant calls anyway.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

I 'm a victim of identity theft, and credit monitoring/freeze by XXXX has proven ineffective. 

I recently found {$5200.00} worth of charges to a banana republic account that I have n't used in years on my credit report. I called XXXX to report another case of fraud and they called Synchrony Bank, but they were unable to successfully dispute charges or help. They left it to me to call Synchrony Bank at a later time and request statements ( all statements ) of charges so that I could dispute them as fraud. XXXX did confirm with Synchrony bank that a flagged fraudulent address had been issued a replacement card and was incurring the charges. The same fraudulent address in XXXX CA that has been the source of my many issues. Despite this, Synchrony bank would not give information/release the statements. 

I called synchrony bank to get the statements, but because the identity theif 's address and phone number ( which I do not know ) are tied to the account, they would not send me copies of the charges. 

I 'm in a difficult position where : 1. Synchrony bank knows fraud has happened, and has confirmed this with XXXX. 
2. XXXX is unable to help me until I have all the fraudulent statements AND 3. Synchrony bank will not send copies of the statements to me because I do not have the security information the ID thief put in place. 

Summary : Synchrony Bank & Banana Republic would like me to pay them {$5300.00} for a bill they ca n't show me.
Consumer complaint received 2022-09-08
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)

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. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XXXX had violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (SC)

I had purchased two kicker speakers XXXX from XXXX XXXX when I got home connect the speakers I was having problems with them kept put my amp off on protection mode so when I purchased the speakers in the store and all over the store since you have 15 days to return them and thats exactly what I did I return them the only problem was I was denied returning them because the speakers had dust on them from inside the woofer box from the sawmill I guess and one of the boxes were damaged so the assistant managerRefused for me to return them I said I just wan na exchange refuse exchange them and then told me if I didnt leave you call security so I dispute this charge with Discover card Discover card found in my favor but then they just reversed it because XXXX XXXX told them so Discover is trying to tell me because I dont have written proof is the reason why it went back to XXXX XXXX watt if I go into a store and I try and return a purchase and they refuse it when you get written proof that you were there they could check their cameras if they want to see that I was there XXXX written proof or do you think summer is going to give me written proof so now the sun me to get a return and get your money back you need written proof that you were there XXXX XXXX states in her letter you dont get to have both you cant keep the speakers and get the refund I tried giving him the speakers back they refused them they denied me I was well within a 15 day. Now they want me to talk to you kicker about the warranty they couldve did that the store when I returned them I was just looking for an exchange them know we try to help me and told me to leave I already bought other speakers hes a no good to me broke when I bought them at the time I want to use them at the time not dispute them for two months and not get to use them so I bought new ones these are no good to me
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I have been trying to get a resolution to a disputed charge for over 3 weeks. 

I have received a provisional credit but I have not been updated on status. 

They are also reporting this disputed amount on my credit report.
Consumer complaint received 2015-04-13
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I sent an International Wire Transfer through Citizens Bank, and the amount that the recipientreceived was less than Citizens was to deliver. All transfer fees were paid as agreed with the bank, ON TOP of the amount sent ... Therefore, Citizens stole some of the money from the transfer
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (PA)

They have called me several times between XX/XX/2022 and now XX/XX/2022. They are trying to collect {$260.00} from me. They always try to talk down to me as if I am low if an individual because I can not afford this amount at the moment. I asked them to not call as much and I get constant calls anyway.
Consumer complaint received 2022-09-08
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (TN)

I bank with venmo where I get my direct deposits for my work and have a debit card with a checking account linked. On XX/XX/2022 I logged in and I received a notification stating that my account was suspended due to violations of their user agreement which I know I have not done. I hadn't even used the account in over a week at this point and all I use it for is to receive my paychecks and buy things from XXXX XXXX and other reputable companies. I really don't ever send money to people so I know it can't be that and I know it can't be anything that I've done as they told me so themselves. I turned in my ID like they requested but they still have not released my funds and are saying that it could be over a month before they even get back to me. They have over {$1000.00} that they are withholding and not letting me transfer even though it arrived after my account was suspended when they probably should have not accepted that direct deposit if my account was frozen in the first place. I'm needing help solving this issue. The only thing that I had did that day was try to order XXXX and it did not go through and next thing I know my account was suspended.
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

purchased XXXX  XXXX XXXXXXXX XXXX from Westlake Finical, Loan was leased to another company ' mileage speed odometer ' was wrong on car ' loan was not properly instructed ' wasn't given the Option to Opt-Out. car was at the time of purchase and still a having multiple issues with this vehicle. contacted the XXXX  they seemed to not want to help " requested money back or a working reliable vehicle and was not given option ''only TO PAY! and nothing they can do!! 
I need HelP!!
Consumer complaint received 2022-09-08
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2022-09-08
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. (NC)

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 an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022