davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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. (MO)

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 XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX. XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2022-09-05
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: The CBE Group, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # 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. 

CBE GROUP XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XX/XX/202XXXX XXXX
Consumer complaint received 2022-09-05
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)

n accordance with the Fair Credit Reporting act 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 2022-09-05
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. (TX)

On XX/XX/2022 I contacted Equifax about removing accounts from my consumer report. I made several calls to the company. On my last call I was told that the XXXX XXXX collections account would be removed from my consumer report within the week. It has now been a month and the account is still there. I was a given a confirmation number XXXX. I let them know they are violating 15 U.S. Code 1681.
Consumer complaint received 2022-09-05
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (NC)

I called AAG XXXX XXXX, in XX/XX/2022. I ask basic questions about what i needed to qualify, since my property was inherited. XXXX XXXX was my XXXX XXXX XXXX XXXX. This guy handled NC, and should have been familiar enough with the requirements, before i spent a bunch of money preparing them for the loan. When my info finallly went to their Title company, XXXX XXXX came back in mid XXXX and told me i would need a Letter of Testamentary. Had i known this, i would never have pursued the loan, because my brother is executor and would not get this. I had to force him to even file the will. 

My main problem, is XXXX XXXX should have known that the Title company would need more info.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Consumer complaint received 2022-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WV)

{$3200.00} was transferred to an account that was not authorized. I filed a police report and was denied saying " no error occurred ''. This is caused by identity theft that was confirmed by XXXX. I also had credit card applications put in my name that wasn't approved. Police Report reference number : XXXX
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX  XXXX {$39000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$250.00} XXXX XXXX {$990.00}
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/2022, I was contacted on my cell phone by an automated call XXXX ( XXXX ) XXXX identifying themselves as Chase Fraud. The auto call asked if I had authorized a purchase at XXXX XXXX for {$310.00} with my debit card. I answered no and a person got on the line and asked again about the {$310.00} and gave me the last 4 digits of my debit card. I again told him no. He then said he would cancel the debit card and issue a new one. Then he asked if I authorized a XXXX transfer in the amount of {$5000.00} to XXXX. I told him I didn't even know what a XXXX transfer was and that I did not authorize it. He said I would need to go in through my Chase mobile app to reverse the transaction. I told him I did not know how to use the mobile app. So he said all I needed to do was reverse it and send it back to myself. He told me how to go into the app, put my name in and the amount of XXXX and it would reverse back to my account. So I did. He knew how much I had in the account somehow. He then said there was another transfer pending for {$3600.00} but that they would call back the next day to reverse it. He assured me they would investigate and let me know. He called back the next day XXXX. XXXX and walked me through the same process. At the time, I was not aware of the XXXX feature and had never used it in any banking transactions. I never knew this feature was attached to my bank account app and never asked for the feature. They also had my business email ( XXXX ) inserted into the personal data on my mobile app. The mobile app had been manipulated and set up by this criminal to transfer the money to him. The only email I gave Chase when I opened the account was my personal email. I never gave Chase my business email. Chase has refused our claim and to insure our money and will not tell me what bank the transfers were sent to even though they know. XXXX has denied our claim and will not refund our money. In fact, XXXX denied working with Chase and says that the XXXX used for these transactions was thru another private XXXX entity.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

in accordance with the fair credit reporting act XXXX  accounts from XXXX auto finance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, have failed to supply me with correct account numbers, which have violated all privacy laws and an act, per article numbers, 15 u.s.c. 1681 section 602 A. states i ahve a right to privacy. 15 u.s.c. 1681 section 604 B section 2 states an consumer reporting agency can not furnish an account with out my written instruction.
Consumer complaint received 2022-09-05
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. (SC)

XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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
Consumer complaint received 2022-09-05
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)

Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (IN)

I have a credit score/Fico score of XXXX, which is considered excellent, and it states that on my report, issued to me by XXXX XXXX, XXXX, XXXX, XXXX, etc. I have had excellent standing with all my creditors, loans, etc, for many years now. 
... .I have never been late with any payments, nor do I have any outstanding balances, on any of my credit cards, or loans, etc. 
... Yet, for the last four years a " company '' called " LEXIS NEXIS '' of XXXX, GA, has stated, on my homeowners, and auto policy renewal, that they have " insufficient '' information on my credit history, and I have % of balance to open accounts ... ... ... which is all " DECEPTION AND DOUBLESPEAK '', AND FABRICATION. 
... ..For this reason my insurance policy has gone up, every year. 
... I have never filed any claims with my insurance provider " XXXX XXXX  ''. 
I have a perfect record. 
I am asking the " CFPB '' to help me resolve this issue with this " nefarious '' company, LEXIS NEXIS '' ..
Consumer complaint received 2022-09-05
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  Account # 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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. 
XXXX XXXX
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

My request has been ignored and " verified '' while my profile has been hijacked and left vulnerable. I requested that XXXX, EQUIFAX and XXXX eliminate the excess PERSONAL INFORMATION on my report due to falsehood and they still remain despite their negative impact and toll. This is not fair nor is it accurate. I did not consent to this form of reporting and I need confidentiality to protect myself from further fraudulent activity.
Consumer complaint received 2022-06-09
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)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

Received a collections letter from CBE Group Inc, attempting to collect a debt that they claim I owe XXXX XXXX. The amount is {$45.00}, as of XX/XX/XXXX. I do not know who or what this company is, I have no knowledge of who or what XXXX XXXX is either. I XXXX  the company name and it is a XXXX XXXX XXXX that has been out of business since XXXX. I have never done any business with the XXXX, I have no reason to need this companies services nor have I ever done any business of any kind with them ever. 
This is an attempt to collect a false debt, If there is any further communications received or if this supposed collections account shows up in my credit report I will file legal actions against CBE Group, Inc
Consumer complaint received 2022-10-16
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)

The company keeps reporting that the three inquiries are legit and must remain on my credit report for two years after I advised them they where being fasley reported due to identity theft and fraudulent activity. I disputed this on XX/XX/2022 and on XX/XX/2022 it came back as verified and accurate no therefore no investigation was done!!! Im being violated clearly
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CT)

I received a letter in a the mail about a debt I do n't recall. There were very little specifics. The address was correct, but the name XXXX XXXX is not correct. The most striking thing off all, was the charge-off date, which was XXXX/XXXX/2009. I was n't even of legal age to have that debt unless I inherited it. and still in XXXX.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 instruction.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.
Consumer complaint received 2019-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

What is this complaint about?

Business Checking Account bonus of {$400.00} for promotion code " XXXX  '' was not paid to me.

What type of problem are you having?

The language in the promotion documentation is not clear. A clause in the language is being enforced but is in brackets. Items in brackets are considered as examples and not guidelines. The new money type restrictions are not mentioned in a full sentence. Due to this language being enforced, I have not received the {$400.00} bonus payment.

What happened? 
On XX/XX/2019, I opened a Silver Checking Business account along with a Money Market account. Opening deposit was {$100.00} to each account. I transferred in another {$4900.00} to the checking account on XX/XX/2019 using ACH. The total balance to both accounts was maintained at {$5100.00} for almost another 2 months. I transferred in another {$100.00} by ACH on XX/XX/2019. I made other transfers in but had to close the Money Market account. During these 3 months I was in touch with the Business Banker XXXX XXXX who was interacting with me, explained to me why the bonus may not be paid to me, and also opened an exception request for bonus payment. Ultimately in XX/XX/2019, the exception was denied.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NV)

I made a {$350.00} credit card payments over 20 days ago, to this day they have not made my credit available its been 20 days and they are holding on to my money without making the credit available as mandated by law. this is a bait and switch ... my payment was cleared to them over 16 days ago yet the credit is not available to me
Consumer complaint received 2022-04-20
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI (LA)

I attended school at XXXX XXXX XXXX of XXXX. I wanted to enroll in the XXXX, but their XXXX  classes start in XXXX. I was using financial aid, after submitting my transcript and other information and started class, I was told I needed to submit a statement why I received a XXXX for a previous college due to the pandemic and I worked at XXXX and I had to work extra hours by my employers not having enough workers. I did that and the representative would not approve it. The representatives had a very nasty attitudes. I attend college now and is using financial aid. This school is ripping students off by trying to make them pay. I was dropped before the semester was over and they wanted me to pay the {$3000.00} and start the XXXX classes over for XXXX XXXX. I should not be held responsible for that lack of trying to use my financial aid. I should not be penalized to make this payment. The school is doing unfair business practices.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (CA)

I have a secured credit card with First Progress, I am in the process of moving and got a notification of a massive decline in my credit score, it was through some investigation that I was able to ascertain the source being FirstProgress. The late charge is for an annual membership fee which when set up was on auto renewal and yet somehow didnt take hold on their end. My complaint is that according to their user agreement I am to be informed of any late payments or just in general I am supposed to receive account statements which would have done similar. Although I had attempted to update my address the company confirmed that no such messages were sent to me about late payments or any attempt to rectify this issue before reporting to the credit bureaus. When I realized this payment was due I immediately made the payment of the fee and the late charge associated with it. But because of the lax system in place with first progress another charge was affixed to the account before the payment transaction concluded. This is a secured credit card whoms only perceived purpose is to help build credit and in fact it serves to do the exact opposite by failing to uphold even the most basic standards present in other credit card companies and even its own user agreements.