davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true , accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-20
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. (CA)

This ground for removal they aslo violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account withou my written instructions. Accounts listed below XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX Last payment XX/XX/2017 Payment status an inaccurate reappearing and appearing. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to the consumer to a consumer reporting agency if the person know or has reasonable cause to believe information is inaccurate.
Consumer complaint received 2021-12-09
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX and XXXX, I purchased {$3200.00} of flooring to install in my home. The agent did not allow me to inspect the products, but assured me that the flooring  would look like the samples in store and online. The products were delivered to my home and left outside in the rain when I was not present, on XX/XX/XXXX. 

I called the merchant the next day to complain that the goods did not match what was in the store or online. They admitted that the photos online are photo shopped, and offered to refund the products but not the return shipping cost. I said that was unacceptable, and that I would open a dispute with Visa. 

I spoke with an agent for my Chase Sapphire account on XX/XX/XXXX. She took my details and said that I didn't need to worry, they had everything they needed. 

On XX/XX/XXXX, I was sent a paperless notification that Chase needed more information. I was not notified of the message by email, but only saw it when I was checking my account balance. 

On XX/XX/XXXX, I spoke to a Chase Sapphire customer service agent. I submitted my email correspondence with the merchant, indicating that the products could be returned. I was again told that Chase had all the necessary details and that my account would be credited. 

I heard nothing from Chase at all. I called today, XX/XX/XXXX, and was told that the dispute had been closed on XX/XX/XXXX. I never received any indication of this. 

I am now worse off than if I had called Chase. This should be resolved, and Chase should be admonished for its misleading handling of a customer dispute.
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I do not know what this debt is ; I disputed the collection debt on the XXXX XXXX and the results were " deleted. '' This collection was successfully removed from my XXXX credit report ONLY. 

This collection debt was supposed to be removed from ALL of the credit bureau 's. 

I asked this collection agency to please verify that this debt belongs to me and to provide me with a copy of the original contract. I have never received the documents I requested. 

This debt collection agency claims I owe them money regarding a medical procedure. I have never allowed this company access to my medical records and they violated the HIPPA law, because they claim to know medical procedures that were performed on me. 

I have attached screenshots of the debt being successfully removed from my XXXX credit report after I disputed it. I also attached screenshots of the debt still being reported on XXXX XXXX.
Consumer complaint received 2022-07-19
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. (FL)

My name is XXXX XXXX I am a living man executor beneficiary of XXXX XXXX. It has come to my attention that although I have brain several letters asking for validation of death, audit trail I am not getting any response because of the automated system you have in place with XXXX fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation of the following federal constitutional law 15 USC 1681 ( A ) ( E ) 15 USC 16 9115 USC 16 zero 1 15 USC 1692. I am afraid of the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and I respect for the consumers privacy. I did not give consent XXXX account. I have remain humble despite the stress, I do you, and XXXX  three credit reporting agencies have density delete this account : US DEPT OF EDXXXX XXXX
Consumer complaint received 2021-12-09
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: AMERICAN HONDA FINANCE CORP (CA)

Details : On XXXX XX/XX/XXXX, our neighborhood mailboxes were broken into/damaged and mail was stolen. The mailboxes were not fully repaired until the 3rd week of XX/XX/XXXX. I was under the impression that the last payment that I made to Honda Financial Services for my car loan was made in XX/XX/XXXX. I found out later that I had one more payment left but that was after my automatic payments had stopped. Honda sent out a XXXX statement that I did not received due to the mail theft. They mailed another letter alerting me of the last payment that had not been made ( printed on XXXX XXXX and mailed around that time ). I also did not receive that letter until XXXX XXXX, exactly on the XXXX  day of being late. I made that payment to XXXX that very day. Because I made the payment on XXXX day, it was considered late and was reported to the credit companies. 

Circumstance Beyond My Control : Until our mailbox was repaired, we had to go to the local post office to pick up our mail and due to the ongoing local COVID-19 restrictions at the time and to minimize potential exposure ( I have XXXX parents and XXXX at home ) I was only able to make trips to the Post Office every 1.5-2 weeks. I sent an appeal letter to Honda detailing the extenuating circumstances beyond my control and provided the police report as evidence of the mailbox theft/destruction. They provided a timely response denying my request to remove the late payments from my credit. I tried calling them to get details about the investigation and to understand why they did not consider the circumstances beyond my control, but was unsuccessful in getting any information. Before this incident, I had excellent credit without having a single late payment on my multiple credit/mortgage/auto loans that clearly show this was a one-time event due to circumstances beyond my control in a challenging COVID environment. This single late payment dropped my score 90+ points.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

I did a Credit Sale with XXXX roughly around XXXX, recently I was notified by an unauthorized company that they had been granted a summary judgement. I was not aware that my account had either been sold or assigned unlawful. The original creditor is in violation of the Truth In Lending Act pursuant to 15 USC 1601 and they both are in violation of 18 USC 1028A Aggravated Identity theft. 

I am demanding all parties to Cease and Desist all unlawful activity. In addition, I am requesting pursuant to 12 USC 5561 ( 4 ) Documentary Material of the alleged obligation. 

Sincerely XXXX XXXX
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX, XXXX XXXX )
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (DE)

Didn't receive any notice that I even owed any debt from what looks like XXXX  collection agencies listed on my credit report. Asked for verification of the debt from the reporting credit bureaus as I believe those collections are on there in error. Last contact with was via letter asking for them to validate the debt. Those letters were mailed XX/XX/2021. I haven't received any verification of the debt from the Credit Bureaus but got a responses that the accounts were verified and the disputes have been closed
Consumer complaint received 2021-12-09
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)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Consumer complaint received 2022-07-26
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. (CA)

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

15 U.S.C 1681 section 602 A. States i have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-07-26
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: Convergent Resources, Inc. (PA)

CONVERGENT OUTSOURCING is falsely reporting on my credit. 
Per my research CONVERGENT OUTSOURCING is a debt collector. 
Account # XXXX are falsely reporting and violating my rights and fair credit act. Under 15 U.S. Code 1681d- Disclosure of Investigative consumer Violation. I have attached the definition so you can see the violation.

A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.

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

I request to be provided proof of this alleged item, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results in item to be deleted from the report as soon as possible. Under federal law, you have 30 days for a reinvestigation. 


I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that the information they gather and distribute is fair and accurate .. Every step must be take to assure the information is reporting correct.
Consumer complaint received 2021-12-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (FL)

What is tax evasion? " The illegal nonpayment or underpayment of tax. Florida has strict rule when it comes to taxes on a deed or mortgage. See Florida statutes 201.08 ( 1 ) ( b ), 199.282 ( 4 ). " No mortgage, deed of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court ... .until the nonrecurring tax imposed by this chapter, including any taxes due on future advances, has been paid and the clerk of circuit court collecting the tax has noted its payment on the instrument or given other receipt for it. '' For further clarification, see Florida caselaw XXXX XXXX XXXX attached herein. A lender has no enforceability in any Florida Court room when the intangible & stamps on a deed are not paid. The attached loan modification reveals that the intangible & stamps were not paid on the loan increase and therefore has no enforcement. Yet a judgment was acquired by the bank and is illegal to say the least because the instrument does not have any enforceability in this state but worse than that, Chase has evaded taxes that are due in this case. The investigator who worked on my case realized that hundred of thousands of loan modifications that contain new money or loan increase, taxes were not paid. It appears on its face Chase is evading taxes and the matter should be investigated by the Department of Justice. The investigator has enough proof to go after Chase for tax evasion. The consumer financial or law enforcement should contact me directly on this. The property is being sold on XX/XX/2022, yet Chase never paid taxes due and the instrument is deemed unenforceable. Action is whereby required this is tax evasion!!!! wake up consumer financial protection, wake up!!!! tax evasion!!!!! wake up!!!!
Consumer complaint received 2021-12-08
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. (MI)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have disputed inaccurate information on my credit report with TransUnion : XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX XXXX GA XXXX With results that I'm not satisfied with because I have sent in Factual information to support my claim as information not being accurate and to be removed from my credit reports
Consumer complaint received 2022-07-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/2022 On XX/XX/2022 I sent an investigation to the credit bureaus ( tracking numbers : XXXX, XXXX, XXXX ) to check every piece of information that complies with FCRA. They did not do a proper investigation in accordance 15 U.S.C 1681 section 603 ( 3 ) ( E ).

I am contacting you the second time because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. In accordance to 15 U.S.C 1681 s-2 ( A ) ( 1 ) these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and scoring. 


Account name : XXXX XXXX XXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXX XXXX  Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from mycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( XXXX ) XXXXofthis account as NEVER LATE frommycredit report. 

Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( S ) 0XXXXofthis account as NEVER LATE frommycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( XXXX ) XXXXofthis account as NEVER LATE frommycredit report.