davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

This is the second CFPB complaint that i am filing about account ( XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX i filed the first complaint stating that On XX/XX/XXXX i sent a hippa letter to experian credit Bureau on XX/XX/XXXX they sent me an notification on experian.com stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that experian was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and XXXX was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date. After sending this first complaint the company sent a message stating that they were gone to investigate it on XX/XX/XXXX they were still supposedly working on it.. Then on XX/XX/XXXX I received a email stating that the dispute was finished and updated but when i went to check the results absolutely nothing has been changed its the exact same way and reporting the same info as before the dispute
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several letters to XXXX, Transunion, XXXX and they ignored my request. Request attached with this complaint/ Pursuant 15 U.S.C Sec 1681a ( 3 ) Identity Theft and ( 4 ) Identity Theft Report. 

Having inaccurate addresses and with the amount of identity theft going on, I'm very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate. Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports. ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX, XXXX or Transunion any written consent to report these inaccurate old addresses on my consumer report, No consent is Identity Theft.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OR)

I live in XXXX OR On XX/XX/XXXX a Chase bank employee in North Carolina accessed the joint checking account I have with my husband and wired transferred {$8500.00} out of it without our permission. We filed a complaint the same day this occurred. On XXXX I spent time talking with 4 different people before I was told I was talking to the correct person that could handle the claim and was told the claim would be resolved in 5 business days. 
On XX/XX/XXXX a representative from my local XXXX OR branch called me and had someone from the claims department on the phone. the person in the claims department told me that they never received the complaint. They told me they would mail me a form, I would need to fill it out and then they would resolve the claim within 5 business days once they received the form. We did not receive the form until XX/XX/XXXX. On XX/XX/XXXX my husband and I went into our local branch filled out the affidavit and the banker faxed the form to the complaint department. Later that week I received a call from the chase escalation department that the claims department was waiting for my affidavit. she wanted my local banker to fax her all of the forms. I took all of the forms in but the escalation department waited 2 days to contact my bank and fax the information over to the claims department. 
I have jumped through every hoop that Chase has asked of me and as of today XX/XX/XXXX I still do NOT have my money. I also went through the process of freezing my husbands credit. we still do not know if the banker in North Carolina accessed our account by mistake, if it is identity fraud or if the banker intentionally removed the money from our account. 
the wire transfer went to an established Chase bank account in New York. That is all I know.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I, XXXX XXXX, am a consumer as defined under 15 USC 1692a ( 3 ) any natural person allegedly obligated to pay any debt. LINEBARGER GOGGAN BLAIR & SAMPSON LLP violated 15 USC 1692e ( 1 ) the third party debt collector is vouched for, bonded by, or affiliated with the United States or any State. On 9/1/21 LINEBARGER GOGGAN BLAIR & SAMPSON LLP violated 15 USC 1692e ( 3 ) when a communication was sent by the attorney to the consumer. In the communication LINEBARGER GOGGAN BLAIR & SAMPSON LLP used profane and obscene language also violating 15 USC 1692d ( 2 ). I has proof that LINEBARGER GOGGAN BLAIR & SAMPSON LLP violated 15 USC 1692f ( 8 ).
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I have sent via email, on XX/XX/XXXX, a package for a loan modification application, and since then I email 4 times to my direct point of contact resending the loan modification application and asking for email confirmation. As of today, XX/XX/XXXX, she still did not answered to me to confirm receipt of my loan modification application. 
I email as well on XX/XX/XXXX, to the loss mitigation department the same loan modification application, and they also never confirmed receipt of my application. 
All my emails sent to the mortgage company with my loan modification application where cc to my loan counselor, and she also didnt receive confirmation for the email sent with the loan modification application when asked. 
I have just come out of the mortgage forbearance on XX/XX/XXXX, and I need a loan modification in order to be able to pay going forward.
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 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. 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 2022-07-15
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. (GA)

i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2023-03-23
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)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$300.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$360.00}. Please delete this ASAP.
Consumer complaint received 2021-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (MD)

On XX/XX/XXXX I sent BMW Financial Services an affidavit requesting proof under penalty of perjury that they are in fact the true creditor, and not an elaborate scheme. I have reasons to believe that BMW obtained payment for my vehicle by way of selling the promissory note I affixed with my signature on XX/XX/XXXX XXXX, when the transaction was initiated. Therefore, my vehicle is paid in full. I requested documents from BMW Financial Services proving they are in fact acting according to Truth In Lending, FDCPA, and in fact the lender/creditor and under what rights does BMW Financial Services have to " bill me '' for monthly payments, if they havent actually lent me anything. Its required under 10 Maxims of Law that a lien or claim can be satisfied only through rebuttal by counter affidavit point by point, that which BMW financial Services failed to do. Instead, they sent a letter that addressed none of my concerns. They provided the contract in question, which I did not request. I have attached a copy of the 10 Maxim Laws for your convenience. As of today XX/XX/XXXX, my affidavit remains unrebutted. Despite being required to stop all debt collection activities until this matter is resolved, and cease and desist all communication, I have received emails and calls from BMW Financial services violating 15 U.S Code 1692c ( c ). BMW Financial Services also attempted to scare me with threatening language which is a violation of Title 15 USC 1692d ( 2 ), I have attached a copy of the letter with the violation highlighted. They were required to provide verification that an actual debt really exists. The language in their letter indicates that my affidavit wasnt comprehended properly or ignored intentionally, whichever the case I have provided/attached a detailed list to reiterate.
Consumer complaint received 2021-10-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: T.S. Holdings (FL)

In the state of Florida a collection agency can not charge interest on a debt without it clearly stating so in an original contract. I have sent several letters to IQ Data notifying that they are damaging my credit by charging very high rates of interest month over month then I noticed that they were stating that they were collecting a debt for XXXX XXXX XXXX XXXX so I thought that this maybe the result of identity theft. I contacted XXXX at XXXX who has notified me that the account actually belong to XXXX XXXX XXXX XXXX  I then advised her that the information sent to me does not match whats listed on my credit report and there is no clause stating they can charge me these high interest rates she the proceeded to hang up the phone on me. I called back in and spoke to XXXX XXXX and requested to speak to a supervisor and she advised they were all in a meeting and proceeded to transfer me to XXXX who proceeds to hang up on me every time I request pertinent information about the account which I feel is a violation of my rights. Today XX/XX/2021 I advised her I had a consultation with an attorney to confirm that under Florida debt collection practices if they are allowed to do what they have been doing i have not hired an attorney I just have had consult with one and she rudely told me to stop harassing IQ data and to have an attorney call them on my behalf and XXXX. I am under the impression that I am entitled to an accurate and fair credit reporting and I feel IQ Data is defaming my good name and credit profile. I would like for it to be noticed that the balance listed is inaccurately reporting, the name is inaccurate for the original creditor, and I am being charged an extremely high interest rate on this debt. Please see screen shot of balances reporting for the month of XXXX the same month the " validated the debt '' the balance is listed incorrectly due to constant interest being added.
Consumer complaint received 2021-10-09
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. (FL)

I have tried 3 times with credit reporting agencies and the debt collector to get this removed, I moved out of my apartment in XX/XX/2020. The manager there stated I would lose my deposit, which I agreed to. The pandemic started, the office was closed, I moved into my new place. They even told my new place that I was an excellent tenant for 5 years, paid my rent always on time etc. Then they reported me to a collection agency XXXX XXXX XXXX out of XXXX. They refused to remove the collection. XXXX agreed I did not owe and removed this from my credit. XXXX and Transunion refused to remove. Please help
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR XXXX FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX  HOWEVER, THIS WAS NOT THE CASE. AFTER EXTENSIVE RESEARCH AND INVESTIGATION WE FOUND MULTIPLE STATEMENTS AND 1098 'S REFLECTING THE SAME YEAR., Y SPOUSE FOUND BANKRUPTCY. SHE WAS IN CHAPTER XXXX UNTIL THE JUDGE ATTEMPTED TO COERCE US INTO PAYING APPROXIMATELY XXXX BETWEEN TWO HOMES. THEY KNEW FRAUDULENT MORTGAGE LOANS WERE ATTACHED TO THE HOMES WHICH EXPLAINED WHY THEY FORCED HER INTO CHAPTER XXXX IN ORDER TO RETRIEVE THE HOME BECAUSE THE LAND WHICH THE HOMES WERE BUILT ON STILL BELONGED TO THE DEVELOPERS BY THE NAME OF THE XXXX FAMILY. WE NEVER RECEIVED A LOAN. OUR NAMES WERE FORGED AND OUR INFORMATION WAS USED TO TAKE OUT MULTIPLE LOANS TOTALING MILLIONS OF DOLLARS. OUR HOME WAS ILLEGALLY FORECLOSED ON AND THERE IS TITLE FRAUD. THE PURCHASER XXXX XXXX XXXX ( XXXX XXXX  XXXX ) WHO HAS MANY ALIAS WAS REPRESENTED BY XXXX XXXX, WHO VERBALLY THREATENED ME IF I SUBMITTED A COUNTER SUIT AND HE COMPLETED ILLEGAL COURT DOCUMENTS IN ORDER TO OBTAIN POSSESSION OF THE HOME. A XXXX LAWSUIT LISTING XXXX AND XXXX XXXX AS PLAINTIFF ; S BUT WAS IMMEDIATELY DISMISSED BY THE CLERK OF COURT. THE ASSIGNED JUDGE WAS XXXX XXXX. THIS WAS IN XXXX XXXX XXXX  XXXX XXXX XXXX OF GA. IT APPEARS XXXX XXXX AND XXXX WORK TOGETHER WITH XXXX XXXX AND OTHERS ENGAGING IN ILLEGAL FORECLOSURES. THE AMOUNT OF MONEY SAID TO HAVE BEEN PAID FOR THE HOME WAS XXXX, HOWEVER WE LATER FOUND OUR IT WAS XXXX VIA XXXX XXXX, THERE COULD HAVE BEEN A POSSIBILITY OF THE ATTORNEY, TRUSTEE AND JUDGE SPLITTING ALL ADDITIONAL MONEY OVER XXXX. THE HOUSE WAS ABANDONED BY THE CHAPTER XXXX TRUSTEE S XXXX XXXX AND LATER A LIFT OF STAY? BY THE PRESIDING JUDGE. THIS LIFT OF STAY TOOK PLACE IRONICALLY WHILE MY SPOUSE WAS HOSPITALIZED FOR 2 WEEKS. THE PRESIDING DOCTOR ACCIDENTALLY SLIPPED AND MENTIONED THE AGENDA. WE WERE NOT NOTIFIED OF THE LIFT OF STAY. THE PRESIDING DOCTOR XXXX XXXX XXXX XXXX AT XXXX XXXX IN XXXX GA APPEARED TO HAVE BEEN PAID TO KEEP MY WIFE IN THE HOSPITAL IN ORDER FOR THE XXXX TO COMPLETE THERE DIRTY WORK. AS A MATTER OF FACT, THE ADDITIONAL ASSIGNED PHYSICIANS, APPROXIMATELY 3 OF THEM ENGAGED IN VERBAL CONFLICTS WITH XXXX XXXX REGARDING WHY SHE WAS NOT SENDING MY WIFE HOME. SHE HAD ALL OF THEM DISMISSED.XXXX XXXX,
Consumer complaint received 2021-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Invalidated/unauthorized inquiry Results of the XXXX data breach. Fraudulent Inquires on my credit report that must be removed within 4 days. According to the FCRA any FRAUDULENT information/inquires on your credit report must be removed immediately. I demand for all my inquires be removed from my credit report.
Consumer complaint received 2021-10-09
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. (CA)

Invalidated/unauthorized inquiry Results of the Equifax data breach. Fraudulent Inquires on my credit report that must be removed within 4 days. According to the FCRA any FRAUDULENT information/inquires on your credit report must be removed immediately. I demand for all my inquires be removed from my credit report.
Consumer complaint received 2021-10-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CT)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
JPMCB AUTO-XXXX-Balance {$25000.00}
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC (CA)

Hard inquiries were done without my authorization, 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 2021-10-09
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: Experian Information Solutions Inc. (CA)

I called Experian dispute department and was met with hostility regarding followup to a prior dispute against XXXX and XXXX credit cards who were handle by the same processor but sent to collections. I paid the balances to the collections agencies. The CSR for dispute got aggravated with me and stated that I paid the collections agency and not the credit card company which shows as closed as charge offs. I explained that my credit wasn't with the agencies but he said the credit cards will remain as derogatory and not show as paid. That is inaccurate and prevents me from qualifying for a mortgage. There are several paid items showing as derogatory that were paid and should have been removed as agreed.