davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
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. (GA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (SC)

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX XXXX XXXX. Reported by debt collector CAPITAL ACCOUNTS LLC, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-24
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. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WA)

Hi my name is XXXX XXXX. I am a refugee from XXXX. I have lived here in XXXX Washington for 7 years and I speak little English. 
I have not received my tax refund, stimulant checks and child tax credits for 2020. US back was my former bank, then I closed my account because USBank kept charging me fees that I didn't know of. One month before I closed my account with US bank. I went to US bank branch to get a direct deposit form for my refund and the receptionist gave me some else 's check that I could use but at the time I though it was my check and due too my small English I didn't read to check if it was really my check but I took a picture of it. I gave the account number and routing number to the tax agent to file my 2020 tax refund. It has been two years and I still haven't got my money. I have reached out to the bank many times but they alway come up with excuses. I have filled claims with the IRS but they keep telling me that bank has to respond to them. One day I asked the bank to tack where the money went, and they actually confirmed that it went to some else. This issue has been driving me crazy because I am XXXX XXXX  who doesn't know English US bank expects me to just give up.
Consumer complaint received 2022-12-29
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 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. XXXX, Equifax, and XXXX 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 XXXX, Equifax, and XXXX 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.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.
Consumer complaint received 2022-10-25
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: Navient Solutions, LLC. (TN)

I have failed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (TX)

On XX/XX/XXXX I applied for an auto loan though XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX. The vehicle in question was a XXXX XXXX XXXX listed for less than {$18000.00}. I was told I was denied unless I provided a {$6000.00} down payment. I inquired why I was being required to provide an almost 35 % downpayment and which finance company was providing this decision and I was told Westlake Financial Services was providing this information. I then inquired why a downpayment was being demanded when that is an unlawful demand and violates by rights as a consumer. The used car sales manager, XXXX XXXX, denied responsibility for the demand and reiterated that the decision was not an in-house demand but was coming from the finance company. 
On XX/XX/XXXX I reached out to Westlake Financial Services directly and provided my application number to the customer service representative, XXXX XXXX, to be put in contact with the finance representative who was handling my application. I was then put in contact with XXXX XXXX who was handling my finance application. When I finally received his call I inquired as to why my finance application was being denied he confirmed the same information that the dealership was telling me, that I needed a {$6000.00} downpayment. I then asked why this was being demanded when downpayments in a financed transaction and it is unlawful. XXXX XXXX did not have an answer for me but said he was going to speak with his supervisor. When I spoke to him again, after he submitted a " revised application '' he said that {$5100.00} downpayment is now required. I continued to inquire as to why my rights were being violated and I was never given an answer. I requested by application and decision to be provided and I stopped receiving all communications and no resolution.
Consumer complaint received 2022-10-25
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. (OH)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2022-10-25
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. (VA)

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 719XXXX has me at a score around 590. 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (CA)

On my behalf, on XX/XX/2022, XXXX XXXX ( " XXXX  '' ) mailed to Axos Bank ( " Axos '' ) a transfer request my retirement account from Axos to XXXX. A XXXX representative, XXXX XXXX, contacted to Axos by phone on XX/XX/2022. The Axos representative refused to provide XXXX XXXX any information during the call. I sent a secure message to Axos regarding this issue on XX/XX/2022 and I have not received a response, let alone a helpful status update from Axos.
Consumer complaint received 2022-12-29
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. (GA)

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 XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-30
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. (IL)

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

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

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2022-12-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZARVAD III S.A. (TN)

On the morning of XX/XX/XXXX, XXXX XXXX contacted me by phone stating she was calling from XXXX representing mypaydayloan.com on a loan taken out in XXXX for XXXX. She stated that I would have a warrant and subpoena sent to my employer for garnishment of wages and that I would have to show up in court and that she would be reporting this information to the credit bureaus and check companies. She also stated that the post office told her that there were certified letters sent to my address over the last few years to which I told her that I never received any letter. I notified her that this company filed a claim in my bankruptcy case to which she stated that this was a crime and considered a bad check and can not be included in a bankruptcy. I hung up on her and contacted the post office in XXXX TN to inquire about the certified letters to which the supervisor told me this was not true. I also reached out to mypaydayloan.com to find out what was going on to which the agent told me he saw the emails back in XXXX where the collections XXXX XXXX got the case info, attorney, etc from me to file the case. He also informed me that the collection agency to contact was XXXX XXXX XXXX  to which ara is a third party of them, but could not tell me why my case went to collections after the bankruptcy case information was provided to them. The information was given to them in XXXX of XXXX but turned to collections in XXXX of XXXX. I called XXXX XXXX and was told the account should have never been turned to collections and should have been categorized as bankruptcy. The rep XXXX XXXX has threatened me with garnishment, a subpoena, a lawsuit, credit reporting. She did not state that she was attempting to collect a debt at no time whatso ever during the call. I asked her numerous times if she could provide me with something in writing to which she would not do although I asked. She did not try to help me figure out what was going on or try to resolve. She just threw out mediation, garnishments, etc. She also would not give me a case number. The people I spoke with was XXXX, a supervisor at mypaydayloan.com ( XXXX, Supervisor at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ext XXXX. I have a transcription of XXXX XXXX 's voicemails as well.
Consumer complaint received 2022-09-30
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. (FL)

Equifax is killing me. I have been trying to work on my credit to purchase a home and Equifax keeps doing investigations on files that aren't mine and verifying them. After this complaint, I am filing a lawsuit as well. I had to make this complaint first. If they don't take these errors off my report we are going to court. I am getting seriously hurt trying to purchase a property. 
Also, I have had an experience with a Credit Repair Agency through all of this. XXXX XXXX has been paid exorbitant fees of over {$3000.00} and is still trying to debt collect from me. They are relentless in trying to hurt me as well. 
Can You Help Me Please?
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

My CareCredit account was closed suddenly, without my consent or knowledge. No notification was sent. I should at least get a warning to determine if theres anything that could be done to keep the account open. 

Not only was my account in good standing, but the company still owes me a credit {$5.00} associated with this card. How can they possibly close an account they owe money on? A consumer can't close a credit card that has an existing balance, so the company shouldn't be able to either. 

This closure has adversely affected my credit in a major way, and they need to be held accountable for that. 

When I contacted them, they simply refused to do anything.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DAS Inc (CA)

I answered a phone call at XXXX on XX/XX/XXXX, the person on the phone identified himself as XXXX XXXX XXXX He told me that I was being sued and that they were unsuccessful in serving me a court order. When I asked him what I was being sued for, he told me he was unable to tell me and that I needed to call the attorney that was suing me. I did not have a pen to take down the phone # to call at that exact moment, so he called back and left a message with a phone number XXXX, a case # XXXX and the attorney 's name, XXXX XXXX, and said that he was placing my account on a temporary hold to " avoid any legal issues or concerns. '' After retrieving the message, I immediately called the number and provided them with the case number. I was transferred to a woman who identified herself as a paralegal. She then proceeded to try to get me to identify myself again and I told her, " I already gave you that information why are you asking me for that information again? '' She then proceeded to state my name and social security number. And said that I was being sued and that my wages were going to be garnished. I stopped her and asked her what I was being sued for. She stated that XXXX was suing me for an amount in excess of {$44000.00}, to which I told her that she has the wrong person and that that the debt is not mine. I told her to send me the paperwork proving I owe this amount, and she kept stating that she needed me to confirm my social security number to confirm that I owed the debt. I kept telling her that this debt was not mine and she said that they were filing a document to garnish my wages. I recently checked my credit report and there are NO delinquent accounts on my credit report and I have no idea what she was talking about but apparently I'm being sued and my wages will be garnished soon. I called back because I realized, I had no idea what company this was, and I was told the name of the company is DAS ( Direct Answering Solutions ). I could not find any information regarding this company via a XXXX search or the attorney XXXX XXXX.