davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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. (TN)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the mentioned account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2021-11-02
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: Jon Barry and Associates, Inc. (NC)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (WA)

Just want to fallow up with my case. 
Again Saturday ( Approximately ) between XXXX XX/XX/2021 someone went to chase bank in this location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX and withdrew {$9500.00} and went another location same day and withdrew {$500.00} XXXX XXXX XXXX XXXX, XXXX, WA XXXX I filed a claim with chase Monday XX/XX/2021 and chase claim department asked me to get an actual police report. And I requested a police report XX/XX/XXXX and I received the police report XX/XX/XXXX and a sent a police report to the The claim department. After waiting for five business days to resolve my problem, or reimburse my money, I got an email from Chase claim department, and they denied to deposit the money to my account. And they told me that they dont have enough evidence to dispute my claim. And they also requested officer Or detective to come both locations and look at the footage.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NV)

Earlier this year, I successfully had my record sealed ( completed XX/XX/2024 ), just XXXX XXXX XXXX XXXX XXXX Since then, I have been actively applying for jobs. However, Ive encountered significant issues with Checkr, a background check company, which has repeatedly refused to correct inaccuracies in my background report, despite my providing evidence and disputing the errors multiple times. ( XX/XX/XXXX - XXXX 2024 ) As a result, I have been unjustly denied employment opportunities, which has been both frustrating and damaging to my career prospects. From my understanding, this situation may be a violation of the Fair Credit Reporting Act ( FCRA ), and I believe I may be entitled to compensation for the harm caused by their negligence.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I mailed dispute letters to XXXX, XXXX, and transunion on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have XXXX, XXXX, and transunion remove the accounts I disputed on XX/XX/21.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I received a letter from Chase dated XXXX ( Exhibit A ), informing me that my 3 credit cards with them would be closed " because a previous credit card, deposit or investment account '' had been closed. I called the number on the letter and was told that it was a " Chase affiliate '' but they could not tell me anything else and would have to write to them. Before I composed my letter I called both XXXX and XXXX ( cards that I have held for 17 years and 11 years with perfect payment histories ). Both told me that this was a Chase Bank decision and not theirs. My letter ( Exhibit B ) along with my credit history credit score of XXXX ( Exhibit C ) was mailed to Chase on XXXX. As stated in my letter, I have no other relationships with Chase. I have a credit history that is exemplary. I have been retired sinceXX/XX/XXXXand am not a signer on any corporate, partnership or non-profit accounts. 

The letter from Chase, in response, dated XXXX states that the closures are because of an affiliate is ending their banking relationship with me. 

All I wish to to find out what this relationship is. 

Thank you, XXXX XXXX ( XXXX )
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I have an old account on my credit report showing inaccurately from target the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter
Consumer complaint received 2021-11-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

FORBEARANCE from the pandemic has now turned into a foreclosure! My payments were current each and every month until XXXX of 2021. I applied for forbearance and was granted a forbearance. I extended the forbearance another 90 days to XX/XX/2021. I had requested to exit forbearance this month in XX/XX/2021 as I was offered a solution of a reduced interest rate to 2.58 % and extend the loan term to 40 years. I have recently been informed that my loan is in foreclosure and I owe nearly {$19000.00}! The mortgage statement for XX/XX/2021 also reflects that XXXX and XX/XX/2021 were included in the forbearance, yet I did not request forbearance assistance until XX/XX/2021. 

My good credit rating does not exist anymore and this is not how the forbearance is supposed to work.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Smith, Cohen & Rosenberg LLC (NY)

We retained this collection company Smith Cohen Rosenberg LLC after they pursued and solicited us, not the other way around, for our law firm collections accounts receivables and client debts or bounced checks/chargebacks, etc. Not only did these people routinely settle debts without either notifying us or letting us know that offers were made, but they never sent us their contract for 33 % even though we asked them for this countless times. To make matters worse, they stopped communicating with us or updating us months ago, and when we politely inquired as to what was going on, they coldly and tersely informed us that they were canceling our services with no explanation, irresponsibly, unethically and criminally leaving our law firm in the dust, and now vulnerable to countersuits/litigation from these collected from clients, thus compounding our legal and financial problems.
Consumer complaint received 2021-11-03
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: High Point Asset Inc (NC)

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX  11. XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I had utilized the services of XXXX XXXX XXXX to satisfy my credit card debt. Last Thursday, when I was checking my credit report, it listed one account, XXXX XXXX ending XXXX XXXX as being delinquent even though we settled this account back in XX/XX/XXXX and a second account, XXXX XXXX XXXX account ending in XXXX as being derogatory even though this was settled back in XX/XX/XXXX.
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I received my credit report and i have tried to dispute with an account with LVNV FUNDING.  I have noticed there are multiple inaccuracies on this account between XXXX XXXX XXXX. I have sent a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/2021 It has been more than 30 days and i have not received a letter back, Heard from LVNV FUNDING LLC Nor received any of the following below from this debt collector : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I have also asked to Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. I AM DEMANDING THIS ACCOUNT BE REMOVED FROM MY CREDIT ACCOUNT IN THE NEXT 10 DAYS OR I WILL BE SEEKING LEGAL ACTION I HAVE ATTACHED MY POLICE REPORT I THIS COMPLAINT AS REQUESTED BY LVNV FUNDING LLC!
Consumer complaint received 2021-11-02
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. (FL)

I have an old account on my credit report showing inaccurately from XXXXXXXX  the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX, our bank account with B of A, was hacked for {$1000.00}. I filed a claim with bank. As of today XX/XX/2021, claim was denied, stated since account was nit maxed out and we had enough to cover transaction. This transaction happen doing our bed time over night. The company hacker was XXXX out of New York, we never heard of this company. Dont understand their investigation findings. Please help us.
Consumer complaint received 2021-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Innovate Managed Holdings, LLC (SC)

The date that this loan was open was XXXX XXXX and the amount that they are saying I owe is {$14000.00}. I applied to get a car from the creditor but was denied but they are saying that I got the vehicle and didn't make the payments. I never received the car and when I tried to reach out to them I could never get in contact with anyone. So to my understanding they took this off my credit but within checking my credit report I see that they are still on there. They are saying as of XX/XX/2015 I owe {$1900.00} which is not true!
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

For my self-lender account, the XXXX payment was received late due to a glitch in their system. Dealing with covid-19 most credit card companies are helping people with credit reporting. I have only been late with Self-Lender one time for the month of XX/XX/2021. I always make my payments on time but the month of XXXX my family and I were dealing with a COVID-19 scare. Also, I attempted to make a payment on their site but for some reason, it seems to be a glitch, which is when I made the XXXX payment with the XX/XX/2021 payment. I sent in a goodwill letter to self-lender customer service and they didn't do anything to help me as a consumer that has never missed a payment. I am attempted to resolve this issue with self-lender but they are unwilling to help me resolve this issue as it is negatively affecting my credit report. I need help as Self-Lender doesn't care about their customers or what they're going through in a difficult time. I have always made my payments on-time with Self-Lender and I use this company to help me work on my credit and being more responsible with my credit profile. This one late fee has dropped my credit score almost 50 points and this is affecting the purchase of my new home. My family was dealing with a covid-19 with my XXXX XXXX XXXX son which is more important than anything. The payment I attempted to make in XXXX on their app didn't go through due to an issue with their app, but when I realized the issue I made the payment right away. It seems Self-Lender doesn't have compassion for their customers that has a perfect history with them.
Consumer complaint received 2021-11-03
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. (MA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

U.S. Bank, seeking excessive amount about 800K+. XXXX XXXX of XXXX XXXX told me not to attend the conference. He took the documents but never return them. I will uploaded copies of said documents. He didn't submitted them as exhibits nor challenge the different copies of the note the allonge and the assignment that clearly shows that the note was not transfer to USBank only the mortgage in a discovery. Please note the allonge from XXXX it doesn't have the name ( XXXX ) on it. But, the XXXX allonge has the name ( XXXX ) on it. 
Fraud
Consumer complaint received 2021-11-03
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 filed an online dispute via TransUnion regarding an account that is being reported due to fraud. TransUnion did not investigate the new dispute and immediately came back with an autogenerate response stating the account was verified. I have a letter from the collection company stating the account was closed and removed.