davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
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. (PA)

I contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by XXXX XXXX XXXX is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.
Consumer complaint received 2021-04-27
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: Pennsylvania Auto Credit, Inc. (PA)

I contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by Pennsylvania Auto Credit is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.
Consumer complaint received 2022-10-07
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-08-11
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. (FL)

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX XXXX, Transunion are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2020-05-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

I have had nothing but u=issues since day one trying to make payments. An earlier complain remains open unaddressed concerning the re submission of a payment they CLAIMED they never received but after I made payment submitted the first check and then charged me return fees. I have had nothing but difficulty making my current payment since their data base is non functional- see attached email and their automated attendant does not work. Trying to reach them and anyone who any type of capability during this Caronavirus ineffective. I understand that but as they continually remind people they are a BILL COLLECTOR- etc and they make that known and their response in returning or crediting money they should NOT have charged leaves a lot to be desired.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

Upon checking my credit report in XXXX, I noticed that Toyota Financial Services has reported incorrectly that there have been 13 missed payments on my XXXX XXXX XXXX lease. Unfortunately this is significantly impacting my credit report. The car was considered as a total loss, was paid in full & the account, account number XXXX, was closed. I was in complete contact with Toyota and even purchased another XXXX XXXX at the same location, XXXX XXXX XXXXXXXX XXXX. 
I am needing to purchase another car as soon as possible, and I have requested that Toyota update the credit reporting companies with the correct info noting that this account is not & has never been delinquent, all payments were up to date through the end of the lease completion ( XX/XX/XXXX ) & that this is now a closed account. 
I sent Toyota a letter detailing this information & it was confirmed received on XX/XX/XXXX. I've spoken with Toyota weekly & finally received a letter from Toyota dated XX/XX/XXXX confirming that my account is 0 days past due and is closed. However the missed payments are still showing on my credit report.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

Chase has an interest-saving purchase option through Amazon. I used that for a purchase for of {$940.00} that would not have had a final payment due until XX/XX/XXXX. Throughout the month, I made a couple big purchases for family members and sent that money in to lower the amount that would be billed as owed during the next statement cycle. Instead of reducing the balance and leaving the interest-saving balance intact, Chase removed my interest saving amount leaving me with a balance due in a month. Chase is insisting that I intended to pay off the XX/XX/XXXX balance. I need to speak with someone about adding provisions, so that I can pay this balance down without accruing interest. I called to discuss the initial response with Chase, left a message and didn't receive a return call.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I previously had a credit card with XXXX XXXX XXXX XXXX. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with XXXX XXXX it was sold to a collection agency. Yet XXXX XXXX continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The credit bureaus stated my account was properly investigated not once but three different times but how is this possible if there is inaccurate information across the bureaus, high balance reporting wrong, date opened wrong still showing credit limits on closed accounts, ect. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A section 2 states a consumer agency can not furnish a account without written instructions
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I do not recognize any of these hard inquires. They aren't attached to any open accounts & are fraudulent. 

XXXX XXXX - XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX -Experian, XXXX  - XX/XX/XXXX -XXXX, XXXX  XXXX XX/XX/XXXX -XXXX, XXXX XXXX XXXX - XX/XX/XXXX - Experian, XXXX - XX/XX/XXXX - Experian, XXXX XXXX  - XX/XX/XXXX Experian, XXXX XXXX  - XX/XX/XXXX - XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX Experian, XXXX - XX/XX/XXXX - XXXX,
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2017-08-08
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: Experian Information Solutions Inc. (NY)

On Experian report # XXXX for an account with XXXX XXXX acct # XXXX in the Status section XXXX XXXX is reporting paid and settlement {$480.00} written off this account is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX is reporting paid and settlement {$480.00} written off this account is scheduled to continue on record until XX/XX/XXXX. My complaint with XXXX XXXX is on XX/XX/XXXX they mailed me a letter confirming that my account has been settled in full and that is what should be in the status section. From my understanding there should not any amount which they have collected or not collected.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Society Business Services, Inc. (MO)

This company ( Bureau of Med Econcs ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2022-10-07
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. (NY)

There 4 hard inquiries on my report thats not mines XXXX ( Bank ) XX/XX/2021 XXXX ( Home Shopping ) XX/XX/2021 XXXX  ( Bank ) XX/XX/2021 XXXX ( Home shopping ) XXXX XXXX
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc. (MI)

Concerning the XXXX prepaid card through Payfare ; it was locked 48 hours ago due to stating the CVV code was entered incorrectly. I was told to contact customer service, which I have now 3 times in the last 48 hours. All 3 times, I was told the card was unlocked with no restrictions, but when I try to use it in the store or load it on XXXX XXXX, its marked as an invalid card or declined. The issue has been sent through to Payfare but they have not contacted me at all to resolve this issue. I can not buy my husbands XXXX or groceries until this gets unlocked.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX, XXXX, and Equifax continue to report inaccurate information that is damaging my consumer report. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character,
and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

There are two loans that do not belong to me they are not mine I have not signed for these and i should not be paying for it my credit is going to waste because of this I have tried reaching out to the bureaus and the furnisher but they are not helping me. 

XXXX - Acct # XXXX Amt {$27000.00} XXXX - Acct # XXXX Amt {$17000.00}
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (MO)

This company ( Account resolutions Corp ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2020-09-21
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: Experian Information Solutions Inc. (TX)

This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. Thank you.
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XXXX-XXXX-17. Do not have the option to pay a pending Promotional Waived Interest Balance without having to call XXXX which takes an hour or more. They should be forced to provide options to pay whatever amount I want to avoid interest waived. It is setup to have them make interest by making it difficult to pay before the promotion ends.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (DE)

In XX/XX/XXXX, I realized that my personal information was compromised via identity theft. I reached out to all 3 credit bureaus and requested that they remove the information for XXXX XXXX acct # XXXX dated XX/XX/XXXX and XXXX XXXX acct # XXXX. Experian did their investigation XXXX XXXX and then XXXX XXXX was verified as accurate using the EOscar method of verification. Since then I have sent several copies of my drivers license, social security card, identity theft report as well as a personal letter requesting that the information is removed. Experian has used an EOscar menthod of investigation without and true explanation of how the accounts were verified. I requested original documents from Experian showin any written proof from XXXX XXXX or XXXX XXXX that the account belongs to me. I have requested verification and they respond that the account has been verified. I have received no documents that by law, I am entitled to. Experian is not only in violation of my FCRA rights, they are defaming my name by reporting fraudulent information on my credit report. I will be filing a report with the attorney general in my area as well as filing a complaint with the XXXX. From there I will be filing a lawsuit and suing Experian as well as XXXX XXXX and XXXX XXXX. I have attached a clear copy of my drivers license and social security card to verify my identity.