davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
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. (MN)

I went to XXXX XXXX XXXX XXXXXXXX in XXXX and when i enrolled in school i was told due to me receiving XXXX income i am not Intitle to pay back the Student loan, Now i filled taxes and the government has told me that they cant make me pay back off of low income base money and they said that there scamming me out out of money on my credit report that i do not owe i get all my taxes and never gets garnish so i know there lying plus i am XXXX XXXX XXXX so its not cool on what they are putting on my credit report. its fraudulent information please make them remove this scamming information off my credit report.
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. (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. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Account name : 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 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.
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. (FL)

XXXX a natuural person, I am a living human being, I have rights under 15 usc 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXXXXXX XXXX The XXXX In Company
Consumer complaint received 2022-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (CA)

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 furnish an account without my written instructions.

15. U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a country of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 & they have violated my rights & I demand that the account listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give Equifax written permission to furnish this account. 

XXXX XXXX Credit Card xxxxxxxxxxxx XXXX This is my third CFPB complaint against Equifax.
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

During the week of XX/XX/XXXX my Wells Fargo Checking account was hacked by scammers. I spoke to my local branch to request further information into the cyber hackI attempted to use my Wells Fargo Credit Card on XX/XX/XXXX and my card was declined. I called Wells Fargo to inquire why and they advised me that they would not access my account. I advised them, on a recorded line, to allow me to make a payment for my balance owed and to close my account and was disallowed to complete either action.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (FL)

XX/XX/2022 I called Credit Karma who is my banker.. I have a debit account with them. My stolen & used. Because Ive been broke I havent used it much but I realize it when I received a {$50.00} XXXX payment. I called Credit Karma to dispute charges that wasnt made by me. Everytime I called I had to give him/her the charge amount I was disputing. So they acted like they were disputing but wasnt.. I asked for Corporate number & stated I didnt want to talk to a Call Center Manager.. Apparently I had no choice.. They stated itll be up to 10 days for my results. That was a problem I had 2 XXXX payments that was applied to my disputed charges. I checked my account for my results They denied me. I called very upset.. I was told someone will contact me.. Im still waiting for that. I just want whats owed to me.. {$76.00}.
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 — Their investigation did not fix an error on your report
Company: CORELOGIC INC (NY)

according to my credit report XX/XX/22 there are several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX  if one company is reporting XXXX  all of them should report XXXX
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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

XXXX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX  is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

XXXX  XXXX XXXX is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.
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 — Credit inquiries on your report that you don't recognize
Company: Arivo Acceptance, LLC (TX)

I did not give these companies written permission to look at my credit report! 

I do not recognize any of these companies, or why they are even on my report. 

I would like them removed due to improper use.
Consumer complaint received 2022-06-22
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: CITIBANK, N.A. (GA)

I ordered a couch from XXXX XXXX online and the couch was never delivered. I never received the couch and my Citi credit card company would not open a dispute and they are keeping the money. No one will provide me with a refund because XXXX delivery service is holding the couch and has cancelled my delivery order. I would like to hold both CITI and XXXX XXXX accountable for this fraudulent activity.
Consumer complaint received 2022-06-22
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: WELLS FARGO & COMPANY (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-23
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. (FL)

Accordance with the fair credit reporting act. XXXX, Equifax, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

All of these negative items are not correct and do not belong on my report. 
The items are. XXXX XXXX XXXX XXXX date XX/XX/XXXX *incorrect amount paid off* XXXX XXXX XXXX  XXXX open datXXXX XX/XX/XXXX *Not mines* XXXX XXXX  open date XX/XX/XXXX * Not mines* XXXX XXXX XXXX open date XX/XX/XXXX * Not mines* XXXX open date XX/XX/XXXX *Not mines* XXXX XXXX open date XX/XX/XXXX * Incorrect amount* XXXX XXXX XXXXXXXX open date XX/XX/XXXX *Not mines* XXXX open date XX/XX/XXXX *Never applied XXXX
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. (AL)

n accordance with the Fair Credit Reporting Act XXXX Account # 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 instruction.
Consumer complaint received 2022-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Hi CFPB- on XX/XX/XXXX my venmo acct was hacked and {$1800.00} stolen and transferred to a XXXX XXXX in two separate transactions. Venmo has been of no help and all messages and texts from venmo are not coming to me as it seems that the fraudsters have hacked the venmo system DIRECTLY and have access to other customer accounts and information. Venmo has not made an announcement regarding this security breach and is still giving me the run-around re : my missing funds that were supposed to be held in an fdic account XXXX prior to being stolen ). 

I have repeatedly asked venmo for a phone call to discuss since my theft as their is no other method to communicate and it has been 2 weeksto no avail. I still dont know ehat is going on with my money or the security of my account. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-25
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. (NY)

I Have filed several FTC reports with Identity Theft. Gov regarding the account with XXXX XXXX XXXX XXXX XXXX XXXX It needs to be removed from my Equifax consumer report immediately as it is removed from the other 2 reporting agencies and it needs to be removed according to 15 USC 1681 ( i ) regarding Identity theft I sent the documents and they where confirmed receipt on XXXX I have it attached and Equifax as passed the expiration date of 4 Calendar days and that is a violation. 

In addition I sent them information regarding the student loan Navient that according to FCRA law 623 ( a ) ( B ) should be correct as I was in deferrment and made a payment so there is no way that I would be 90 days late. 

I want XXXX to be deleted off of my consumer report immediately as well because it has not corrected itself and its just been violation after violation and the only means to get the matter rectified is legally but regarding the consumer report they are in violation of reporting accurate information and therefore EQUIFAX must correct the inaccuaracy buy removing the 90day late payment remark. 

This has caused me to loose millions and caused me to not be able to obtain credit and I am seeking litigation starting with the violations and some damages starting at XXXX and its increasing more and more as I have lost employment and business opprotunties and housing do to equifax negligence in accuracy reporting and investigations.
Consumer complaint received 2022-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AZ)

I paid my normal monthly payment of {$650.00}. plus {$50.00}. plus a fee of {$7.00} on about XX/XX/2021 but KIA Motors Finance has refused to credit my account to this day despite my many attempts by phone, email and first class mail. This has caused my credit to be bad.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MI)

It makes no sense that by the time you add your pictures you're logged out and have to start all over. The Consumer Protection Bureau should automatically save a complaint you start instead of having a person start all over. I always try to resolve issues with companies before filing any consumer complaints. 

My credit have been ruined because of these 5 companies. I'll be filing 5 consumer complaints on 5 different companies that have reported FALSE information to the Credit Bureaus. My credit score have dropped over 100 points within 30 days due to these companies. The Credit Bureaus allow companies to report anything including FALSE information without allowingvthe customer to fix it before they report it. Therefore i'll be also filing a consumer complaint against all 3 Credit Bureaus with the Attorney General 's Office. 


I have a Care Credit Card with Synchrony Bank. I was very embarassed when i was due to have a much needed XXXX XXXXXXXX in which if i don't have this XXXX it could XXXX XXXX XXXX  XXXX  and i could die. O was also embarassed when i couldn't get my kids much needed medical things for my XXXX XXXX Child and my XXXX Child. Synchrony Bank lowered my credit limit from {$970.00} to {$230.00} which makes the card not worth having if you're financing anything. I called Synchrony Bank to ask why they lowered my credit limit only to laughed at by one of their Sarcastic employees. Even when i told Synchrony Bank i was a victim of recent Identity Theft they still kept my credit limit lowered preventing me from having much needed dental needs and medical things for my children who have XXXX XXXX as well that our insurance doesn't cover. Synchrony Bank only told me after the fact they lowered it that my credit limit was lowered. Lowering my credit score caused my credit score to drop as well as increase my usage which i kept at 30 % or lower.
Consumer complaint received 2022-08-20
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)

n 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 Secti
on 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

My on-time ACTIVE 10-month of Payment Plan Contract with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX Agent Name : XXXX XXXX. XXXX XXXX XXXX is also the individual who solicited me for the " Loan Package Fee ''. I was to pay {$2500.00} for a GUARANTEED {$100000.00} business loan funding package within 90 days. He also sold a fraudulent file to a collection agency trying to collect {$10000.00} for services not rendered. He told me the XXXX loan would report to all 3 credit bureaus and would boost my score. There is no reporting of any payments on any of the 3 Credit Reporting Agencies. XXXX, XXXX, EQUIFAX. I've had multiple calls with XXXX XXXX with my concern about why payments are not reporting as an open active good standing account. He actively runs XXXX XXXX  under the names XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Which he has tried to sell and bind me into more false misrepresentations to other contracts to only sell them within 30 days to collection agencies. Offering 90-Day GUARANTEED CREDIT SWEEP Results for a FEE.
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (NJ)

On XX/XX/2022, I accidentally made a transfer of {$1000.00} to XXXX XXXX in XXXX. I came to realize that the problem had already been made afterwards, so I immediately reached out to Worldremit to cancel the transfer. It was because the receiver didn't get the money. When I called this company, I was made to speak with different people who gave me different options. Some responded awkwardly but I respected their concerns and explained my issue since they demanded it. Until now, it's like we're struggling over my own money and I'm not liking it. All l want is my money back.
Consumer complaint received 2022-08-20
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX account XXXXXXXX XXXX account number XXXXXXXX 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 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently filed a complaint, your ID number XXXX. 

The investigation for this account on my credit report has exceeded the 30 days allowed for investigation. I have attached the images below confirming when my original letters were submitted to all 3 Credit Bureaus which confirms the dates of receipt. 

Per the FDCPA, under law, if a credit reporting agency fails to complete an investigation within 30 days, the account/and or trade line must be removed. 15 U.S. Code 1692g
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rausch Sturm LLP (TX)

On letter dated XX/XX/2022 by Rausch Sturm requesting post-judgement discovery on a debt collection from XXXX XXXX XXXX that I disputed with XXXX XXXX XXXX XXXX XXXX at Law No XXXX Presiding Judge XXXX XXXX based on belief that the debt has passed the statue of limitations and that the debt collector and/or their representative failed to provide proof of debt including chain of custody for documents, original proof application for credit, itemized records of all purchases to validate the amount, and any other supporting documents need to make a judgement.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson and Kennard (CA)

XXXX XXXX XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR ABSOLUTE RESOLUTIONS FOR THE AMOUNT OF XXXX ... XXXX XXXX XXXX-I SENT A LETTER ASKING TO VALIDATE THE DEBT ... XXXX XXXX XXXX, NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XXXX XXXX XXXX.... AS TO TODAY, XXXX XXXX XXXX, IT HAS BEEN MORE THAN 30 DAYS. I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XXXX XXXX XXXX. THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS. I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. I WANT NELSON & KENNARD NOT TO FILE SUIT. I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX
Consumer complaint received 2022-06-22
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)

Hello, I have been in dispute with XXXX, Equifax and XXXX about these incorrect accounts that have been allowed to report on my credit report without my knowledge and permission. While waiting on these accounts to be removed from my report, I decided to do my own research and I found that the according to the Fair Credit Reporting act these accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

It came to my attention that customer reporting agencies can not report without my written consent or without verifying the information is correct.
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. (TX)

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 XXXXXXXX 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.