davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 2022-05-23
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

Sagestream for many months now has not assisted me with my Identity theft, I did submit a complaint many months ago with the CFPB in which sagestream responded to call them and addressed me by the name " XXXX '' My name is not XXXX. Again they didn't read my complaint. I am victim of identity theft, and I am requesting SageStream Place a Security freeze on my file, along with providing me with the Pin for Said Freeze, and to dispute all the inquiries on my SageStream File, as I have not inquiried with any of these companies and the inquiries are a result of fraud, Identity theft. I am a victim of identity theft, and I have provided SageStream with my identity theft affidavit which they refuse to use or accept from the FTC. SageStream has not resolved the fraud, and honestly they do not call back. I have left several voicemails with my phone number, and name Slowly. They never answer the phone " always make you leave a voicemail '' They do not call back, and do not follow the FCRA Laws. SageStream is used by many lenders. They are allowing fraudulent applications on my file, and I do not accept that I am a victim of Identity theft and per fcra law 603 ( b ) I am requesting Sagestream following the proper FCRA Laws and place the security freeze on my file.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.

Everything has to be 100 % accurate on my Credit Report.

The Credit Bureaus stated my account was properly investigated, How is that possible? There are still multiple in accuracies? Open Date is inaccurate, the date last active is inaccurate and the Date last reported is incurate, different $ amounts in accurate. This is grounds for immediate removeal. They also violated my rights under the following : 15 USC 1681 Section 602A. States I have the right to privacy.

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

They also allow the Reporting Source to dictate validity vs. Following the Law. 

See Accounts Below : -XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX XXXX XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX XXXX XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 



They Also violated my Federally Protected Rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if the items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. 




I submitted a complaint with the XXXX and the Attorney Generals Office. These Collection Agencies are volating my rights, not adhearing to federal law and costing me dearly. 


According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I WANT ONE THOUSAND DOLLARS ( {$1000.00} ) per violation and REMOVE THE ACCOUNT ( S ) IMMEDIATELY
Consumer complaint received 2022-02-05
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)

Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : 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 After your investigation is complete, please send me the results via mail.
Consumer complaint received 2022-05-22
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: Choice Recovery, Inc. (OH)

I submitted the following dispute to XXXX ( through the XXXX web site ) on XX/XX/XXXX. ( I was given a very limited space to give additional comments. ) See below : Why are you disputing this account? 

Account is not accurate Reason ( s ) for dispute : 1. The dates on this account are incorrect 2. This account is too old to be on my credit report Additional Comments : " This balance different than statements received from XXXX  Both different than original hospital balance. The statements I have received FASELY show payments I have never paid. Original service XX/XX/XXXX '' I received XXXXXXXX XXXX  response on XX/XX/XXXX ( Attached ) The original total that I was " responsible '' for was {$1800.00} ( I have attached a copy of XXXX  from XXXX ). The amount that Choice Recovery ( CR ) was attempting to collect was {$1600.00} ( I have attached copies of statements from CR ). And the amounts CR reports to the credit bureau are {$360.00}, {$520.00}, {$420.00} and {$350.00} leaving a total of 8 negative marks... This is not necessarily the problem, however. 

As you can see on the XXXX from XXXX, the date of service is on or about XX/XX/XXXX. On the credit bureau report ( account details ) the open dates for the above amounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ( I have attached copies of these pages also ). 

Additionally, as you can see on the attached statements from CR each statement declares " We have received a payment of ... '' at the top. I have never made a payment on any of these accounts because I left my employment shortly after this hospitalization ... Interestingly, many of the payments that CR claim that I made is in the amount of {$73.00}, the amount of my payments for current accounts at XXXX XXXX ( I have attached a current statement from XXXX ). If CR has access to my current account at XXXX, I feel this is also in violation of my HIPA rights. You will also see on the statement from XXXX that the earliest date of service is XX/XX/XXXX, meaning that I had payment arrangements with XXXX at that time. ( All of the " open dates '' for CR is after that date. ) Again, I did not make any payments on the XXXX account because I was unable to " catch up '' and " keep up '' at the same time... 

Also, Please note that, while CR claims that I " made a payment, '' the balance on the statement never changes. 

Finally, I believe that XXXXXXXX XXXX investigation amounted to allowing CR to " self investigate. '' We are now in a position that requires us to look for housing and I am concerned that, with a credit score below XXXX we will be denied housing. 

Thank you for your time! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2022-05-22
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. (WI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-22
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)

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of Education XXXX XXXX US Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I still got closed accounts on my credit from a Unknown payment status the date opened was XX/XX/XXXX with a past due balance of XXXX dollars. The other account is from a Unknown payment status the date opened is XX/XX/XXXX with a past due balance of XXXX dollars. XXXX XXXX is also an closed account from XXXX that I am unaware of I never had XXXX XXXX in my whole entire life. I got a collection account that is derogatory with a balance of XXXX dollars that was in XXXX. My last closed account is also a derogatory with XXXX XXXX date was opened in XXXX I need all of this removed off my credit now
Consumer complaint received 2022-02-05
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-05
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 (MT)

I attempted to purchase a truck bed from a salvage yard in XXXX Illinois, called XXXX XXXXXXXX XXXX XXXX I used my Discover card to make the purchase. XXXX XXXX XXXX then turned around and charged my card twice for the same purchase. The original purchase was on XX/XX/XXXX, the double charge occurred on XX/XX/XXXX. 
It took a month to get the double charge straightened out. The truck bed never did show up at my home. It is now XX/XX/XXXX. I have contacted XXXX XXXX parts several times, with no help, they are the epitome of dishonesty and liars. Discover Card has ruled with the Merchant on this issue, saying that the charge was valid. I have talked with them at least 10 times on this matter. I never received the part in question, never signed for it, if it were dropped off, which it wasn't. The amount of the truck bed was {$1700.00}, which supposedly included shipping. XXXX XXXX XXXX  has told Discover card that they did ship the truck bed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mt. XXXX. The trouble is There is no such address, as I have checked on it, and the biggest mistake they have made is I live at XXXX XXXX XXXX in XXXX, Mt. XXXX which is 10 miles away from XXXX, Mt. XXXX XXXX parts has over 10 complaints against them with the XXXX. And their XXXX reviews are horrible. Still, Discover Card has chosen to side with them. After I have been a solid Customer with Discover card since XXXX. There were never any tracking numbers from XXXX XXXX XXXX or any Email telling me when to expect the truck bed. The truck bed is 5 feet wide by over 6 feet long. Pretty hard to misplace something of this size. The double charge on the Card mentioned above was also for {$1700.00} which took a month to get reimbursed for.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporter act XXXX accounts 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 has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my account without my written instructions
Consumer complaint received 2022-05-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX 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 with my written instructions.
Consumer complaint received 2022-05-22
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. (MD)

n 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 a account without my written instructions
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ERC (GA)

XXXX XXXX XXXX  / OVER, Has a charge-off listed under my name on my Credit Report and this was reported as Identity theft. I never gave authorization for usage and when me and my seen this error on my report we contacted them to remove/ correct the error. 

First they told me payments were being made so don't worry about. I told them I don't care if payments are being made It is not my account. This all started around XX/XX/XXXX. 

Instead they asked me several questions that they did not have answers to on the phone and when I gave it to them they stated that the information that I provided to them they will now use it to indicate I was the user of the account Altough it is a charge off I am a Retired XXXX Veteran and I take my credit seriously and this company should not be allowed to create undue stress and manipulate consumers. 

Enhanced Recovery- Has a collection on my Report for {$280.00} for XXXX and I have never used XXXX services. I have told them that this is IDentity Fraud and that this should not be reported as my account. 

XXXX XXXX XXXX is falsely reporting that I had a collection for {$320.00}. I sold my House in KY in XXXX of XXXX and settled my outstanding balance with KY Utilities. The reprensentative at XXXX did not change the name or cut off the utility and I had to pay the debt. I paid it but it is appearing on my report as a collection which is NOT accurate. 

Any assistance will be of great help. Thanks in advance!
Consumer complaint received 2022-02-05
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: JPMORGAN CHASE & CO. (NV)

I was charged twice by a merchant for {$39.00} each on XX/XX/2021 and XX/XX/2021 ( please see attached ). I contacted the merchant, and they agreed to credit me 1 ) {$39.00} and 2 ) {$38.00} and going forward they would just charge me {$1.00} a month. 

I contacted Chase Freedom Visa and placed the 2 charges of {$39.00} into dispute. Subsequently, I received a merchant credit of {$39.00}, and Chase Freedom provided a credit of {$38.00}. 

A few days ago, I received a letter from Chase Freedom informing me that they were reversing the {$38.00} credit, because I had received one credit of {$39.00} from the merchant. 

Chase Freedom mistakenly assumed that only one transaction was being refunded, when it fact, both the XX/XX/2021 and XX/XX/2021 transactions were being credited back : the XX/XX/2021 transaction was being credited back {$39.00}, and the XX/XX/2021 transaction was being credited back {$38.00}. 

I called Chase Freedom and was unable to re-secure the credit of {$38.00}. even though it is an error caused by Chase Freedom 's dispute department. 

Chase Freedom charged back the {$38.00} to my credit card account.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Called to complain that the site/payment platform and options a ) did not work reliably to process or post a timely payment and customer service suggested paying through an intermediary instead. 
b ) system considers payments " late '' based on XXXX XXXX XXXX unfairly to XXXX XXXX customers AND ; c ) effectively CHARGES AN LATE FEE on the SAME DAY the payment is due if after " XXXX ''. 
d ) In addition the late fee seems to be the same amount or nearly the same as the payment that was due. Also exceeding the comparative interest on the whole amount. 
e ) the following month they have raised the minimum due ( irrespective also wanting the late fee charge ) to DOUBLE the 'minimum paymnt due ' the prior month. 
Example - This month it now says the XX/XX/XXXX payment is XXXX $ - I explained all this and requested relief and was told they would request it be reviewed to credit it. I WILL NOT pay the increased amount or the Late Fee. It is not fair and i don't care to be treated this way. 
Thanks
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021, I received an email from XXXX XXXX XXXX that I made a subscription of {$390.00} which I did not do. They left a XXXX number below the email to call for a refund which I did and spoke to XXXX who told me that I have been refunded and that I can check my account and see if I received the refund. I opened my online banking with Wells Fargo and noticed transfers to XXXX and XXXX on XXXX XXXX and XXXX which I did not do. XXXX told me that he was going to help me recover my money with a dummy money of {$10000.00} that I saw in my account which I need to transfer to one XXXX XXXX in XXXX who is responsible for the illegal transfers in my account. He said that I should not talk to bankers because they want to find out who they are who he said might be working along with the fraudsters. I was directed to go to my bank and make the transfer. I did that. They left a XXXX number to call the next day so that I can get a full report of those that stole my money. I called the number but there was no response. I was told it is not a working number. I ran back to Wells Fargo bank and narrated my experience with these suspected fraudsters. I was given a fraud claim number. 
Each time I called the number I was told that I would be given a new claim because they can not locate my number. After 4 different claims I was directed to the branch manager XXXX XXXX on XXXX 2021, who told me that she was going to escalate my case and that I will receive a response from them in 10-15 days. I waited. I received a protected email from Wells Fargo who told me that after careful investigation that trying to get back the fraudulent wire transfer of {$10000.00} from XXXX all was to no avail. So, for that very reason, I will not receive any claim from the bank.