davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2023-01-12
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 loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : XXXX
Consumer complaint received 2023-01-12
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: Incomm Holdings Inc. (TX)

I received a Vanilla Gift card as a form of payment from a customer. Every transaction has been declined. The card balance has been verified. I have had this problem often with this particular gift card company numerous times in the past XXXX  months. Their customer service is non-existent. I have called every number listed for them. I end up on hold for XXXX minutes every time I have called. No one Ever answers. This company has been nothing but problem after problem. And then prevents and/or ignores any attempt to get help from them. I am frustrated and feel ripped off And deceived by Vanilla Gift. Please help. Thank You.
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the XXXX XXXX XXXXXXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CB INDIGO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB INDIGO  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB INDIGO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AK)

On two separate occasions I deposited checks into my account via mobile deposit. I was told part of my funds would be available next day. Instead my account was out in a negative status. When I called Wells Fargo I was told the checks were fraud. When I confirmed the checks with the maker I was told the funds and Check was valid and no fraud issues were detected. I called Wells Fargo and give them this information that my funds should be available and the maker confirmed the checks were good. On both occasions Wells Fargo denied releasing the funds and has no legal reason to do so. I feel this treatment is a result of Racial discrimination
Consumer complaint received 2022-08-31
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: ERC (LA)

I did not give this company consent to disclose my personal information to the credit bureaus & that is against the law. On the other hand its still a RED FLAG because those amounts should already be paid in full by the credit bureau to the company upon retrieving.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent a letter with proof from the courts that they do not report to the credit bureaus but they are still saying they are verifying my information. I have provided a letter attached as well as the letter from the courts
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (PA)

Have a monthly HIPPS payment I get from PA treasury. I have been mobile depositing check for this monthly for months now. With Chime mobile banking. Now magically they rejected the check 2 days in a row. I called HIPPS program they said nothing. Wrong with check. I asked for a supervisor at Chime bank they are overseas couldn't provide me with a supervisor in USA they stated. Couldn't let me speak to check department either.
Consumer complaint received 2023-01-12
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. (MI)

CFPB, Here are the documents that proves XXXX XXXX XXXX was provided and was notified by Equifax that I disputed my prior payment history because it was incomplete and inaccurate. ( See Attachment below ). XXXX XXXX XXXX certified to Equifax that the prior payment history was correct and accurate. ( See Attachment below ) I pulled a new credit report from annual credit report. ( See Attachment below ) XXXX XXXX XXXX did not fix any of the prior inaccurate and incomplete payment history. ( See Attachment below ) XXXX XXXX XXXX knew that the payment history was being reported incorrectly. My payment history was blatantly obviously incorrect and incomplete. ( See Attachment below ) Violation after violation. 

Either correct the account or delete it immediately. This is your last chance to fix your companies inaccurate and incomplete reporting of my payment history. Do the right thing, thank you. 





XXXX XXXX XXXX XX/XX/2023, XXXX PM ( 1 day ago ) to XXXX XXXX. 

Ive disputed the accuracy and the incompleteness of my payment history with Equifax, regarding XXXX XXXX XXXX. I will attach documents so you can see for yourself. Equifax says that CAC has verified that the prior payment history is accurate and correct. Will you please explain to me how this payment history could be verified as accurate and correct? I will attach all the supporting documents and you can look at it yourself. Ive been extremely patient. Theres XXXX violations. This is my final attempt to have it corrected or deleted. I just want to move on with my life. 

Thank you. 
XXXX XXXX
Consumer complaint received 2022-12-07
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: Chime Financial Inc (GA)

I was working from home on XX/XX/2022, when around XXXX i received a notification stating that {$400.00} was withdrawn from ny chime card, i immediately looked inside my wallet to see if i lost my card, my card was inside my wallet. I Live in XXXX XXXX GA, the transaction took place @ an ATM on XXXX XXXX in XXXX. I immediately called chime to let them know it wasn't me that withdrew money from my account, they stated they will run a investigation, they denied my claim, i called back & asked them why, they stated they could not tell me the reason why. I asked my Supervisor to send me my timesheet from work that day, & i sent info over to Chime. I have not heard anything from them regarding this. My money was somehow taken out my account without my card or pin. They have denied my claim for the 3rd time with no explanation. I've sent them a pic of my card that evidently someone copied because i was home with my card with me on the day the incident happened.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$2300.00} XXXX  XXXX XXXX Account number : XXXX Balance : {$1600.00} XXXXXXXX XXXX  Account number : XXXX Balance : {$2300.00} XXXX Account number : XXXX Balance : {$4500.00} XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2022-08-31
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Collection Systems, Inc. (IL)

In 2018 I was attending XXXX XXXX. I had been for a while and was getting financial aid. The last semester that I attended, I had turned in all of my financial aid info and started school. I was contacted by the financial aid office after saying I owed them for the full semester. I asked how was that possible and I get full financial aid? The young lady explained that she failed to turn my paperwork in to the department of education for them to send in my financial aid for that semester. It is being reviewed by the department of education and collection actions are supposed to be on hold until the investigation is completed. Today National credit management emailed a bill with all of my personal information, name address as well as full debt information to a shared email box that is used for business now without calling to verify that it was my personal email. I share that email box with my sisters and a couple other people. That is a violation especially including my personal information.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

These agencies are not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified.
Consumer complaint received 2022-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

Full consolidation loan payoff was made on XX/XX/22 that was in excess of the then outstanding balance by {$1000.00}. After an already lengthy waiting period, the excess should have been refunded but still remains outstanding. I have made numerous requests to get the balance refunded to no avail ; it's always processing or awaiting approval. At this point I consider this theft. I've dutifully paid interest for years ... will I receive XXXX months of interest for their unapproved loan?
Consumer complaint received 2023-02-01
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. (TX)

I sent the original Identity Dispute letter to XXXX and it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to Equifax and it was dated XX/XX/XXXX. It was received at Equifax on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-31
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. (NC)

I have disputed and ask for validation several times with Equifax, XXXX, and XXXX regarding the company called XXXX XXXX XXXX that has reported entries on my Credit report. We learned today, by looking at the complaint and their response files through CFPB that XXXX XXXX XXXX has no supporting documents and did not, were not able to, produce any validation documents as outlined in the complaint. This shows that all credit bureaus have continually failed investigating my disputes and requests for validation time and time again. I would like all three Credit Bureaus to be censored and formal record made relating to this complaint. The statement made by XXXX XXXX XXXX Today ( they have ask their client to send documents to me ) is against all logic and non complaint with regards to Having all necessary Documents on file to Support furnished reports to the credit bureaus And to provide the validation requested just like I did through the CFPB and not one file or Document was provided as required for validation and accuracy of these long reported furnishings. 

Thank you CFPB for bringing this injustice to light after several years. 

The following documents attached supports this complaint and I ask again at this time for Equifax, XXXX, and XXXX to delete all entries reported by XXXX XXXX XXXX in my credit file immediately.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (TX)

I disputed the bankruptcy information with experian credit reporting agency. They did not do a investigation on the information that they were reporting. They sent me email saying the information was verified with XXXX XXXX XXXX XXXX sent me a letter stating that they will not be reporting this information anymore.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (IL)

For the past 4 months ( i.e., XXXX, XXXX, XXXX and XX/XX/2022 ) my credit report has incurred random inquiries that I did not authorize or initiate. They appear across all 3 credit reporting agencies ( i.e., XXXX XXXX, Experian and XXXX ) none of which I initiated. Examples of these institutions include XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX Bank just to name a few. These inquiries have happened multiple times over the course of months. In XXXX my credit score declined -17 points alone from these fraudulent inquires. All of the aforementioned institutions appeared on my credit report as inquiries in XXXX alone. This is detrimental to my credit score and a targeted attack against me. My credit score in mid-May was 750+ ; I have since put a freeze into place with the reporting agencies, but these inquiries need to be removed and blocked from future occurrences.
Consumer complaint received 2023-01-31
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 accounts listed below : 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.