davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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 — Problem with personal statement of dispute
Company: STATEWIDE AUTO SALES (CA)

I am the original creditor. See Hurds Rev Stat Chap 32,36. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

U.S. Homeland Security and Border Protection XXXX - geodetic survey blood right heir ( royal trust ) 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose.

House Joint Resolution 192!!!

In accordance with the fair credit reporting act The principal debtor is responsible.

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose.

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ).

Remove the fraudulent fiat-money claims.

Thank you.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 All these inquiries are causing an immense hardship on my life. Per the FDCPA, FCRA, TILA and 18 USC 2265.

An account needs to be established with full faith and credit or deleted off my consumer report. I do not authorized in use of my credit without there being a benefit to my person.
Consumer complaint received 2022-12-10
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. (RI)

THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIESXXXX XXXX XXXX  Account XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account XXXX XXXX  Date Opened 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
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: Westlake Services, LLC (MN)

I was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to. 

XX/XX/21 - XXXX XXXX XXXX XX/XX/21 - NOWCOM/Westlakes Fiancia  XX/XX/21 - XXXX XXXX XXXX XXXX I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report. 

I called XXXX about these hard inquiries and they refused to help me. Please CFPB help me.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX  Account Number : XXXX Bal : {$800.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2022-09-28
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

While we were vacationing in XXXX XXXX in XX/XX/2022, our rental car was damaged as the result of an attempted break-in. We filed a claim for XXXX with Chase credit card services on XX/XX/XXXX when we returned to the XXXX Chase says they will cover damages if we use their card to pay for the rental car, and waive the rental car agency 's coverage. We did this. Travel insurance is one of the benefits we pay for with this card. After months of emails asking for documentation we previously submitted and countless attempts to contact Chase by phone, I was finally able to get through to a representative on the phone on XX/XX/XXXX. The representative, XXXX, said that she saw that all the documentation had been filed, and agreed that we had a valid claim, but said she was required to pass on the claim to her supervisor. She said she would call me back within ten business days with a response. On XX/XX/XXXX, after 10 business days, I followed up and got no response. It's been over 20 business days since that initial call, and I still haven't gotten a response.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

XXXX XXXX XXXX opened a collections showing XXXX XXXX as original creditor on XX/XX/XXXX in the amount of {$1800.00} and last reported on XX/XX/XXXX. So ( 4 years ago ). No longer showing up on my credit report. 

Now showing up on my credit report is a collections account through I C SYSTEM with opened on XX/XX/XXXX showing XXXX XXXX as original creditor in the amount of {$1800.00}. Which renewed the age of the collections account to 2 years and 11 months. 

It is my understanding that the time doesnt renew because another collections agency buys the collection.
Consumer complaint received 2022-08-01
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. (MD)

XXXX 's XXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

In XXXX, I went into : CHASE onsite:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX spoke to the branch XXXX " XXXX XXXX XXXX XXXX XXXX XXXX asked me to create a brand new saving account and to keep {$15000.00} at least in my checking & saving accounts so to get the safety deposit annual fee of {$65.00} waved. I thought it was good suggestion since I am with CHASE for more than 15+years and using the save deposit box anyway, so I kept up to today XX/XX/22, still have more than {$15000.00} in CHASE bank accounts ; however, XXXX took {$65.00} out of checking account and refused to wave it and saying that they changed the policy not to wave {$65.00} safety box annual fee regardless how much do I kept in their bank. I called XXXX on XX/XX/22, she said that it's out of her control, I told her that it is a cheating business if the safe box deposit {$65.00} won't wave, she should not ask me to keep {$15000.00} in the bank account, as she suggesed wrongly. 
I'd like to reqeust comsumer affair dept to investigate CHASE branches in XXXX XXXX, XXXX cities ; those branch managers recently changed to have poor customer services and lack of knowledge of delivery the truth to the cutstomer like me. This is illegal business practice, I'd like to reqeust CHASE to wave {$65.00} safety box deposit back to my checking account ASAP.
Consumer complaint received 2022-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

For the last year I have been trying to get in touch with the Public loan forgiveness department under fedloan servicing. Fedloan servicing is the worst loan servicer and company I have ever had to deal with it. I want more information on how to get more credit for months when I was working at XXXX and when I ask an agent to speak with the Public Loan forgiveness department, they place me on hold for two hours and hang up on me as soon as someone picks up the phone. I have not been able to reach anyone for over a year to ask about the PSLF waiver update and how to be able to use it. Specifically the PSLF department at fedloan servicing is not responsive. Today on XX/XX/22, I called again and after over an hour of waiting on hold for that department, a horrible customer service representative answered the phone and refused to identify her name and refused to even confirm that I reached the correct department. 

It is very difficult to get the full advantages of being in the public loan forgiveness program when customer service in that department at fedloan servicing is so unhelpful and it is not possible to get any information. This representative was very nasty and refused to give me her name. However in general it should not be so impossible to get in touch with someone from this servicer. They are not helpful with any questions.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MI)

I had {$280.00} in my account before it was closed because they said I wasnt in compliance with deposit agreements. The only deposit I get is from my job. I also had a refund that was supposed to be deposited from XXXX when I didnt receive a product from them. This bank is with chime ands Ive seen multiple people say their account has been closed recently also. I emailed them because they said thats the only way I can get it resolved but its taking a very long process and I need my money back ASAP so I can pay rent I will be having a baby soon and need the money I worked for its very stressful and inconsiderate of them.
Consumer complaint received 2022-09-28
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: MONEY SOURCE, INC., THE (OH)

I have been dealing with The Money Source for 4 months trying to get them to report that my mortgage with them was Surrendered through my XXXX  XXXX XXXX. The XXXX was closed at the beginning of XX/XX/2022 and they keep reporting it as 150 days late and sending me letters and receiving phone calls. I have spoken with them at least 8 times and I have gotten hung up on multiple times and lied to that the problem was fixed. They told me to email them all the information from the court and that they would correct the problem but have not. I came out of the XXXX with a 700 - 730 credit score and because of this, I am now in the low 500 scores. I have tried to repeatedly fix the problem with the credit bureaus but The Money Source lies and tells them it is correct. 

Please help me I have spent days trying to get this problem fixed. 

Thank you
Consumer complaint received 2022-09-28
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. (NC)

My account is paid in full and no longer open. I have a paid in full letter from the creditor as well as multiple verifications from the company that the loan is no longer active. 

Ive provided this to XXXX, XXXX, and Equifax along with documents supporting this as fact. Each time the dispute results have come back with no changes made. 

So its showing my debt as incredibly higher than it actually is which will affect my ability to purchase a home soon.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 
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 XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPTEDXXXX XXXX DPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections 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 2022-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (KS)

Jefferson Capital Systems LLC owned a account from XXXX XXXX in the amount of {$1600.00}. This account is 8 years old. I disputed this account not once but twice the last time being in mid XXXX of XXXX, I went to call them & they said they could not talk to me as this account was being serviced by XXXX XXXX  on behalf of Jefferson Capital Systems. XXXX still owned the account though. I asked for the verified info from XXXX they said they would send it & they also told me I could settle for {$1000.00}. Today on XX/XX/2022 I called XXXX & they informed me that the account had been sent back to them but they owned the account the entire time & that XXXX could only process payments & not send out verified information. The payment option that XXXX gave me was different than the XXXX option that I got back in XXXX. So in one week I was told to call a different ( XXXX ) company, got a payment option from that company, sent back to the original company ( XXXX ), asked for the original contract with XXXX with my signature on it & all the documents XXXX had with my name on it. After going back & forth & being transferred 4 times I got a supervisor on the phone. His name was XXXX with Jefferson Capital Systems ID # XXXX. He informed me the account would be removed in full. I have a witness to this phone conversation & was on a recorded line.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I applied for the Chase Sapphire Credit Card and received an adverse action letter date XX/XX/XXXX. I also applied for the Chase business card back in XX/XX/XXXX. First, I sent a letter in regards to the adverse action and received no response. I then called Chase today, XX/XX/XXXX, and spoke with XXXX and XXXX. XXXX is the Supervisor for Customer Relations. I asked XXXX to let me know what laws and procedures were followed in order to come to the determination of my application and XXXX didn't know so she stated that the decision was based off of what was in my " credit report. '' I then asked her to provide me with the subsection that was used so that I can study it for myself. I also asked for her to provide me with the law that says I have to abide by the credit score/information that they choose to use or that the transaction even needed to be reported. She did not have an answer so I told her that the CFPB states credit reporting is OPTIONAL. She stated that she can review the application based on the credit report in 30 days or she can transfer me to escalations so I was then transferred to XXXX. I then asked XXXX all of the same questions that I asked XXXX. XXXX stated that they follow all laws and regulations but could not provide me with the specifics. He then said Chase has the right to approve or deny any application. I told him that he can not deny me my right to credit then I directed him to 15 usc 1602f and 15 usc 1602p. I told him that I can't be discriminated against for exercising my rights. He said again Chase has the right to do so. XXXX was acting as an authorized rep for Chase and He, along with Chase are now held liable for discriminating against me.