davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

After reviewing my credit report I continue to notice unauthorized accounts I gave no consent to be furnished. I've demanded the accounts be removed immediately, but Equifax continues to do false investigations. I've requested full file disclosure per my rights as a consumer. I only get a generic response that the accounts have been verified without insuring the information is accurate. This grave error has undermined my confidence in Equifax 's procedures, and as a result of this I will no longer be extending credit and if the information is not removed I no longer want my information reported in your companies database. Pursuant to 15 USC 1681 ( a ) ( 2 ) - Equifax is a powerless elaborate mechanism. This mishap that your company caused has ruined my reputation, and it adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role and assumed this information was valid which is a violation of my consumer rights. Pursuant to 15 USC 1681 ( a ) ( 4 ) - you did not insure the information was accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if these transactions even took place.Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting, and failed to investigate whether or not it factually took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This in fact is another violation. Pursuant to 15 USC 1681a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that Equifax clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( I ) as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In the event these accounts are not deleted within 10 days of receiving this complaint, I will be seeking litigation and damages of {$10000.00} per day these violations persist detailed in in my UCC1 Lien Notice filed with the Secretary of State. I look forward to your response.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OR)

At the end of the billing cycle of my card ( XX/XX/XXXX ), the balance on my statement was {$100.00}, which was due on XX/XX/XXXX. I returned an item bought during this period for {$41.00}, which should have brought my balance down to {$67.00}. Instead, I received a notice from the credit card company ( TJMAXX/SYNCB ) saying that to avoid interest charges, I needed to pay the balance on my account of {$100.00}, which was the {$67.00} balance plus charges going into the next cycle {$8.00} charged on XX/XX/XXXX and {$27.00} charges on XX/XX/XXXX, after the XXXX closing date. I have never experienced this with any other credit card company and wonder if this is, in fact, legal?
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

I was staying in XXXX with my XXXX, I was being XXXX  by him. I have a history of XXXX, XXXX and XXXX XXXX. I received permanent XXXX for these problems. I was supposed to fly back to the states on XX/XX/XXXX. My XXXX  XXXX who is on my bank account purchased the ticket. I would have purchased it but prior to this date Wells Fargo accidentally turned off my debit card, so I was being abused and had no access to my money in a foreign country. So my daughter made the reservation for my flight home on XX/XX/XXXX. Attached you will find a doctors not from XXXX stating I couldn't fly unless I was XXXX XXXX ok on the XX/XX/XXXX. I was not I had another XXXX do to being XXXX by my XXXX. I was struggling to get back by my health was deterating.attached are pics of the abuse and a police report. The American embassy in XXXX finally rescued me but I lost all my documents and have been struggling to get them back from my x XXXX. I filled a claim the week of XX/XX/XXXX. I submitted as much documentation as I could to Wells Fargo. I heard nothing from them but on XX/XX/XXXX I received a provisional credit of {$740.00}. I have heard nothing from Wells Fargo since then. Well on XX/XX/XXXX I received a letter stating they are reversing the provisional credit on XX/XX/XXXX. This is not rite. I have lots of documentation to prove my claim. If they reverse these charges my account will overdraft and I live in social security XXXX and a part time job. Please help me with this claim any other documents you need I will try to get you.
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MA)

Flagstar Bank is currently charging us {$9000.00} for escrow taxes. The Town of XXXX has our taxes estimated at {$6100.00} for the year. Due to our home being a new construction, the town did not assess our taxes for the first 6 months of fiscal year XXXX ( Quarter 1 and Quarter 2 ). The Town of XXXX and in fact all of Massachusetts fiscal year runs from XX/XX/XXXX through XX/XX/XXXX. However, once they were assessed for fiscal year XXXX, the total is {$6100.00} for the entire fiscal year. Flagstar Bank fiscal year runs XXXX to XXXX. Flagstar Bank is combining 2 fiscal years into one and this is creating a discrepancy of {$3100.00} because Fiscal year XXXX Q1 and Q2 ( {$1500.00} each ) is being calculated into the total figure. Currently Flagstar Bank is overcharging us by {$2900.00}. 

We have contacted Flagstar Bank since XX/XX/XXXX, regarding this issue and they refuse to change it. We have requested multiple escrow analysis to be completed and Flagstar continues to report that according to their records we are being charged the correct amount. We contacted Flagstar Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We worked with a supervisor at Flagstar Bank who understood that we are being overcharged but she could get the escrow team to run another analysis to help rectify this issue. 

We have also spoken to the XXXX Town Collector who reports that Flagstar Bank should not be charging us anything different from what the town reports. Currently our mortgage payment is {$3000.00}. XXXX, our mortgage payment should be {$2700.00}. This is the amount we were paying prior to the last escrow analysis in XX/XX/XXXX.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NM)

Chase bank ( XXXX, DE ) Offers a promotional loan at no interest for many months, with an upfront fee. These terms are clearly stated on the web page. So far this is acceptable. But what the bank fails to disclose UP FRONT is that once the loan is completed any further charges on the credit card incures interest immediately. Another way of stating this is the normal grace period until the next monthly statement is eliminated. This is fraud by deception.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NE)

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 numerous times. I demand the accounts listed below be removed because. 

According to 15 USC : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TrueAccord Corp. (TX)

On XX/XX/XXXX made purchase through XXXX proceeded to check out was asked if I wanted to be approved through affirm, I was approved and stated my account would be transferred to affirm. Next day my XXXX dollar purchase was with drawn from my own personal account through XXXX. I alerted affirm and XXXX! XXXX stated XXXX said purchase was accurate even after i provide transactions from my bank .I provide transaction numbers to both parties showing where it had been taken from my personal account.. I spoke to XXXX representative stated they saw where they had came from my account but could not contact affirm I needed to. XXXX will not cancel the loan because they stated they had sent funds to XXXX. They need to verify the account and neither party has every time i reach out and it has been disputed with the collection agency and they stated affirm confirmed account but did not provide record of this
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

So for the past 8 months I have been trying to get a charge off removed from my Equifax credit report. This charge off isnt mine, but Equifax has it as my old XXXX XXXX account. When I did further research I found that this account was clearly paid in full and then later closed the account. I've given Equifax the letter from XXXX XXXX XXXX showing account paid in full but they still refuse to remove it. I do have an attorney involved and will pursue a lawsuit if this matter isn't resolved. I want this charge off removed immediately. It has hindered me in attempts to get a business loan.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXX is reporting a XXXX account and XXXX is not I have attached XXXX Credit Report showing that the XXXX derogatory Account has been deleted. I demand that you delete that account.
Consumer complaint received 2022-08-22
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am submitting this CFPB complaint to you today to request the correction of the following disputed accounts and information from my Credit report. I have read that the Credit Reporting Agencies are required to provide copies of proof of documents or verification bearing my signature. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : CALIFORNIA DEPARTMENT OF CHILD SUPPORT SERVICES UNKNOWN XXXX Balance {$9600.00} Date opened XX/XX/2018 CALIFORNIA DEPARTMENT OF CHILD SUPPORT SERVICES UNKNOWN XXXX Balance {$4300.00} Date opened XX/XX/2018 XX/XX/2018
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Back on XX/XX/XXXX I opened an account with XXXX which was a loan. After a XXXX XXXX of paying it off, they stopped taking my payments from my account. I attempted to contact them XXXX times through email and phone. Every time I contacted them I was either unable to get through to a person or they just refused to help me. 
The account in question is : XXXX XXXX Acct. # : XXXX XXXX This is a pattern with this company as according to the XXXX XXXX XXXX they have received XXXX  complaints regarding this exact same issue : XXXX  files indicate a Pattern of Complaints concerning fulfillment of transactions, billing errors, and customer relations for XXXX XXXX XXXX XXXX  has noted a significant spike in consumer complaints filed since XX/XX/XXXX, and consumers are telling XXXX about the issues they are experiencing with their accounts and the company 's customer service department XXXX A number of consumers say they have problems making loan payments, experience errors or holds in transactions they attempt when using XXXX of XXXX 's financial products. Other customers claim the confusion and technical issues with their XXXX accounts have resulted in missed payments being reported to credit bureaus ; some of which consumers claim are erroneous and have to be disputed. Many consumers allegedly attempt to contact the company to resolve their problems but end up frustrated and without resolution by the lack of communication by the company. As of XX/XX/XXXXXXXX XXXX is still noting persistent issues in complaints about account issues ( frozen or closed accounts, credit report errors, missing or delayed application of payments ), as well as numerous claims about the lack of sufficient customer service to address the reported problems. 

I have filed XXXX  disputes and complaints regarding this company, all of which have been unsuccessful. I have been repeatedly trying to have this issue resolved over the past XXXX XXXX but due to XXXX 's deceitful and unlawful tactics, I have been unable to come to a fair resolution.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below. I was a victim of identity theft and the disputed inquiries do not make sense to me. Under the provisions of the FCRA section 605b, I am requesting that the Credit Reporting Agencies remove the following disputed inquries completely from my Credit Report ; XXXX XXXX  Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (LA)

In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. CarMax Auto Finance 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 XXXXk XX/XX/2022 ( Inquiry ) XX/XX/2022 All credit inquiries have been disputed multiple times XXXX XXXX XXXX XXXX {$840.00} dollars I have disputed this account for the past years and they have yet to send me proof of the balanced owed or provided with written proof. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have disputed this account many times and they have yet to send me proof of this account. I have no knowledge of this account. 
10. Florida Child Support collections : Child Support has been Illegally reporting a collections balance on my credit report for months even though I am no longer in arrears. I missed out on buying a house due to I couldn't find a mortgage company who give me a loan, until my child arrears are off my credit. 



15 U.S.C 1682 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 2022-04-24
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. (OR)

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.

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 instruction 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-08-03
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: I.C. System, Inc. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission toto I.C. SYSTEM, INC # XXXX, XXXX XXXX XXXX I # XXXX, XXXX & XXXX XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than toto I.C. SYSTEM, INC # XXXX, XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2022-06-06
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, XXXX XXXX and XXXX XXXX  Account Number XXXX. Inquires as follows XXXX XXXX and 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 2022-04-23
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BARCLAYS BANK DELAWARE (MI)

Barclays continues to automatically withdraw funds ( {$300.00} ) from my checking account even though I closed my deceased husband 's account and paid off the balance on XX/XX/2022. I have called the customer service line at least 5 times, and on XX/XX/2022, I got a letter acknowledging the closing of the account. They owe me {$880.00}.
Consumer complaint received 2022-08-22
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. (DE)

My name is XXXX XXXX. I sent dispute letters out more than XXXX days ago and have not received any credit report updates, nor have I seen any changes to my report. I believe the information on the account with " XXXX XXXX '' to be incorrect. 

Account # : XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (GA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 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 end consumer credit plan as late for any purpose.