davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XXXXEquifax dropped my credit report XXXX XXXX the reason per Equifax credit card balance decreased-and XXXX went up XXXX had to correct their report because of the inaccurate information-My Student Loans have been paid in full twice on XX/XX/XXXX by Borrowers Defense and by PSLF on XXXX XXXXit is coded incorrectly this is NOT a charge off it is a payoffXXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I could get my loans taken care of-see attached-my XXXX  XXXX was paid in full-see attached-my XXXX is up to date-see attached XXXX was not opened XXXX-I have not had XXXX  for over 7 yrs and it was paid in full-I am tired of this incorrect reporting and incompetent customer service-I will begin the legal process if this is not corrected and I will email XXXX  as I have done before helping them develop forms to fight incorrect information on student loan reporting-i work XXXX XXXX and raise a family-I do not want charity-I want fair credit reporting-I have put up with these inaccuracies long enough being too tired to fight them due the death of my XXXX XXXXXXXX and XXXX XXXX still work XXXX XXXX-have to pay XXXX XXXX  rent increase XXXX dollar rent-I have decreased my debt by over XXXX by paying it off-no evictions-no bankruptcy-I am paying XXXX a month on my legitimate collections-first a breach of information and now thisXXXX fixed their report-after I brought it to their attention by over XXXX points-your system is not always correct-so a breach of secured information and non fair credit reporting I will go to the highest level court to get this fixed and that this does not continue to happen to other students-families-etc
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, 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 agent XXXX attorney 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 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. (IL)

experiean, XXXX, and XXXX have not removed a fraudulent account from my credit report. I've disputed it multiple times. I even have proof from the collection agency that the account was open in a different state. here is the proof below. this account needs to be removed as I did not open it. and they have yet to provide evidence this belongs to me. 

the account number is XXXX account name is XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I did pay for all three reporting agencies, but once I reached XXXX I dropped TransUnion and XXXX and just kept XXXX. Then XXXX of my accounts closed, and they said it was because of my XXXX XXXX. So, I opened TransUnion and XXXX up and saw that they were reporting my scores as TransUnion-622, XXXX  XXXX XXXX and XXXX. I thought that this was odd because I monitored XXXX at least XXXX times a week, and it never fell below XXXX, and at present it is XXXX. The only reason could be that TransUnion and XXXX were changing the XXXX score on their own and not reporting the actual score for XXXX. Then I called TransUnion, and they told me that they could do that and that there was nothing wrong in doing it. That meant that XXXX was not checking XXXX either when I ordered my three reports, so they are just as guilty in reporting false scores. Then, when I ask to speak to a superior, TransUnion told me that they were not going to change it. This has caused me to lose my XXXX account and my XXXX account, and has dropped my credit score and caused me to be denied for credit cards. This has really damage my credit.
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. (GA)

I've identied inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (GA)

I've identied inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me XXXX XXXX A XX/XX/XXXX, EQUIFAX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-25
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. (FL)

XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX AL XXXX XXXX XXXX XX/XX/XXXX XXXX FCU-ALEXAND XX/XX/XXXX
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: Affirm Holdings, Inc (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 , 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 agent , attorney 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 AFFIRM INC can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If AFFIRM INC 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 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

My mother became terminal in XXXX and I tried to dispute flight tickets for over {$1500.00} with cheap o air. I then disputed it with chase bank and was issued a temporary refund. They then after. Week or two retracted the money back and stated they can not do anything for me.. I supplied them with death cert and all supporting documentation to prove all steps and they still refused to help me.
Consumer complaint received 2022-02-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (OK)

I closed on my VA mortgage with Guaranteed Rate Mortgage on XX/XX/XXXX, and my first payment was due on XX/XX/XXXX. The loan number was XXXX serviced by XXXX XXXX and was for property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK, XXXX. 

I mailed my initial payment around XX/XX/XXXX, in the amount of {$1500.00} via a check, mailed to the initial mortgage servicer. This payment was eventually returned to me, stating they were unable to locate the account. 

On XX/XX/XXXX, Guaranteed Rate printed and mailed a letter, stating the loan has been transferred from Guaranteed Rate/XXXX XXXX to XXXX XXXX XXXX effective XX/XX/XXXX. This letter was not received until sometime after XX/XX/XXXX. The new loan number with XXXX was to be XXXX I monitored my checking account and found the XX/XX/XXXX, payment was not processed. On XXXX XX/XX/XXXX, I called Guaranteed Rate/XXXX, who stated the loan had been transferred to XXXX, but they could still take the payment and transfer the payment to the new servicer. I authorized a payment in the amount of {$1400.00} to ensure I was not late making a payment for my mortgage, confirmation number XXXX. 

Based on the letter provided by Guaranteed Rate/XXXX, I made my next two payments to XXXX, in the amounts of {$1500.00}, which were deducted from my account on XX/XX/XXXX, and XX/XX/XXXX. I mailed the second payment on XX/XX/XXXX. 

The morning of XX/XX/XXXX, after mailing my XXXX payment, I contacted XXXX because I was unable to set-up my online account. XXXX customer service stated loan number XXXX, was not assigned/associated to/with me. Additionally, XXXX did not have a loan number associated with my Social Security Number. 

I hung, up and called Guaranteed Rate/XXXX. During this call I was informed I was late on my payments and that my new loan number was XXXX. During this call I relayed my making payments on time and that this was a mistake. 

Since XX/XX/XXXX, I have contacted Guaranteed Rate/XXXX  at least twice a week only to be told, they are working on the problem. 

It has been five and a half weeks of me calling multiple times per week, spending multiple hours of annual leave trying to get this fixed. 

I called today, XX/XX/XXXX, after having provided proof of payment and having been told this would be solved by XX/XX/XXXX, then XXXX, and now XX/XX/XXXX. 

Additionally, Guaranteed Rate/XXXX  failed to pay my property taxes, notified the VA my mortgage is in default, and continue to attempt to collect payments, which have already been made. 

I have made my payments on time and continue to get the run around about these payments. 

I need some assistance getting Guaranteed Rate/XXXX  to properly apply these payments. 

In order to protect myself, today after ending my telephone call with Guaranteed Rate/XXXX, and notifying them of the action, I disputed the three transactions with my banking establishment. 

Please feel free to contact me if you need anything from me, XXXX.
Consumer complaint received 2018-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL) (FL)

I called this company and the lady that worked there stated we don't care if you owe it or not, I be on your XXXX until you pay it. My ex wife 's new Boyfriend has a ID in my name and is going to Hospital 's trying to get XXXX in my name. I filed a police report and filed a complaint against this collection company and hospital.
Consumer complaint received 2022-08-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 my vehicle was broken into and a thief stole many contents including my credit and debit cards. I reported this instance right away for the fraudulent charges with the inclusion of a police report and confirmation of merchants who I did not shop with. The amounts are shown below, and the case has been re-opened since XX/XX/2021, but not further investigation, confirmation, or communication is present. Each time the company of Bank of America is called, there is no record of previous conversations of claim officers. 

{$400.00} {$220.00} {$210.00} {$250.00} {$52.00} {$99.00} {$51.00}
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly my report is 4 pages. 

I wasnt able to get my XXXX report. 

I also did not receive monetary damages from the class action suit against XXXX for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816.

I have mental health problems and will need help sorting out these many many pages of data.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC (WV)

On XX/XX/2022 I had submitted a letter asking for written verification of the debt CKS Financial is trying to collect. I had not received any information prior to XX/XX/2022 and have not received written verification by today XX/XX/2022. On XX/XX/2022 I started receiving numerous calls from XXXX on this date I have received 5 calls from this number with 3 being back to back calls. On XX/XX/2022 I again sent a letter requesting that contact be written and wanted verification of the debt. I have still not received verification.
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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: EQUIFAX, INC. (TX)

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

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 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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