davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Chase of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Chase is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

Chase has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to XXXX, XXXX, and Transunion. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the XXXX data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (MA)

****SEE ATTACHMENTS PLEASE**** For the last few months, I pointed out couple of errors, misleading, incomplete and multiple inaccuracies how my name are mixed misspelled, wrong addresses, inconsistent with several accounts and Ive asked that you investigate and delete. These accounts are not verifiable under section of 609 of FRCA and therefore I need them all DELETED effective today. 

The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I insist on the removal of this late payment from my account as it does not accurately reflect my payment history. I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

****SEE ATTACHMENTS PLEASE**** For the last few months, I pointed out couple of errors, misleading, incomplete and multiple inaccuracies how my name are mixed misspelled, wrong addresses, inconsistent with several accounts and Ive asked that you investigate and delete. These accounts are not verifiable under section of 609 of FRCA and therefore I need them all DELETED effective today. 

The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC (NC)

I was told by my coworkers that fnc control calls my job everyday around noon time. They told my coworkers I owe them a debt and could they get a number where I can be reach. I work 3rd shift so I am not at my job during the day. I dont owe this company nothing and dont know who they are. They call 2 times a day on 1st shift and 2nd. My supervisor have already ask them to reach out to me in another way but they continue to call everyday. They told them this is a business and not her home phone.? They are harassing my coworkers and trying to get info like a phone #. They told them that they are trying to collect a debt. This company is Fnc control XXXX XXXX XXXX phn #
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Specifically, 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. meaning it should not be reported on my credit as debt.

Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX
Consumer complaint received 2021-08-13
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. (FL)

I have mailed in dispute letters 3 different times dated XXXX and all 3 major credit bureaus have not responded to my request. By law they should have mailed me my investigation reports within 30-45 days of receipt.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (TX)

The payment servicing site for the company in question ( https : //www.fairwayindependentmc.com ) does not let you set up auto-payment but only lets you do one-time payment every month.

( 1 ) That is a complaint in itself. 
But on XX/XX/30 XXXX I entered the site to create immediate payment. It first let me pick earliest as XXXX. So I scheduled a payment. And then it allowed to create one for XXXX. So I created the needed payment ( XXXX ). But the site does not let you cancel online - So I called the customer service to ask to cancel the later payment. They assured me that it has been canceled ( 2 ) But it was not, and I was deducted twice that month ( XXXX ). That is compliant # 2 against the company whereby the customer service representatives are relaying false information on the phone. I was close to overdrawing my bank account and narrowly escaped those fees. 

Then instead of receiving a statement for XXXX which would show the above statements and if the money went towards principal. Instead I received a " Notice of Sale '' whereby only the new processing company was noted " XXXX XXXX  '' without information on loan principal transferred or loan terms or any relevant information. 
( 3 ) Complaint # 3 and final strike is when I called in to get the XXXX Statement and to ask the principal and where my last payment is. ( Had to call in because the site would not let me see the notices online. There is a link to see the notices but it would not load ever ) The customer agent could only send me XXXX statement and no payment history records for the 2 payments that were made in XXXX. I have proof with my bank that Fairway got both the payments. The agent phone call went on for 30 minutes, with no resolution to the simple question if I could be given document stating the loan amount transferred to XXXX XXXX. And no record of payment history with Fairway could be furnished. In addition, the agent stated that the additional payment has been sent to XXXX  ... without any proof. XXXX  site does not even recognize the loan number provided to me to check. 

I understand the loan transfer / resale .. and have been through many of them. But not providing adequate information is unfair. In addition, not providing easy access to payment and billing information to our own information could be the cause for people falling behind or just missing payments and having to deal with credit impact - when the companies are just not making it easy for us. 

I would be happy to provide any more information regarding this case.
Consumer complaint received 2021-08-13
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. (MN)

XXXX XXXX  company sent an official letter stating card ending in ( XXXX ) has been closed since XXXX. XXXX  and Experian shows a reporting of account is still open in the years ( XXXX & XXXX ) and still reporting actively. They have sent me a letter saying they made mistake and rep did not officially closed card down in XXXX when it was paid in full, and now its actively being reported. Please accept this letter from XXXX XXXX  that is attached in the complaint and resolve this credit reporting issue urgently! I am closing on a house in 2 weeks and this can not wait 60 days to resolve. Please give a detailed explanation as to why this can not be resolved with official letter provided by the company stating this is an error.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: APPLE RECOVERY SERVICES CORP (NY)

Good afternoon, I received a collections letter from Apple Recovery Services dated XX/XX/XXXX stating they have purchased the debt originating from the store XXXX XXXX XXXX. This debt was on my credit report in XXXX and aged off after 7 years and the store filed chapter XXXX bankruptcy in XXXX. 

On XX/XX/XXXX, I called Apple Recovery Services XXXX to ask about this matter and they admitted the debt was on my credit report and aged off and they will not be able to put it back on my credit report but that they will continue to harass me with collection letters until it is paid in full. They continued to attempt to collect the money. 

I would like to report this fraudulent activity and harassment. Here is their contact info : Apple Recovery Services XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Thank you for your attention to this matter.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (CA)

On XXXX XXXX in a formal letter Shellpoint Mortgage stated that they were aware that they should report my payments to the Consumer Reporting Agencies. The company still refuses to report my payments to the credit bureau. After I requested that my payments were not being reported they sent letters to accelerate my payments. I am current on my payments as of today XX/XX/2020 and have sent numerous emails with my request.
Consumer complaint received 2021-08-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Pentagon Federal responded saying that they received notice of bankruptcy filing for my Auto loan on XX/XX/2021. That account was not included and I have attached the discharge documentation. While PenFed was paid off prior the bankruptcy was filed XX/XX/2021. PenFed was not included. The vehicle was sold on XX/XX/2021. Again before the bankruptcy and the check was mailed. They are reporting the vehicle loan as included in bankruptcy and their system flagged my membership to not let me open accounts even though none of the PenFed accounts were included. Therefore they need to update their system to stop inaccurately flagging my accounts when PenFed wasnt even included.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P. (NC)

I do not know SOUTHWEST CREDIT SYSTEMS nor how they got my private information without my consent. They are reporting inaccurate information to my consumer report. I demand you remove my information from your system, remove from every consumer reporting agency, XXXX out the alleged account, and take care of the invoice.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, 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. (ID)

I've been attempting to do a loan assumption through XXXX XXXX since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because XXXXXXXX XXXX  had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get XXXXXXXX XXXX  to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.
Consumer complaint received 2021-08-12
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 have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

someone took out 4 credit cards from Capital One in my name i did not authorize these accounts this was a few years ago, I called capital one and disputed this as fraud and Capital one has an abstract judgement on my property for accounts that do not belong to me, these cards were removed off my credit report but there is a judgement still sitting in the courthouse and I am trying to sell my property and I can not get any help resolving a fraud issue and having this judgement released from me and my property, what can you do to help me resolve this ASAP as I am closing on my house on XX/XX/21 so this is URGENT and I do not want to pay what is not mine and have to fight harder to get it back please help
Consumer complaint received 2021-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-07-28
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: TRUIST FINANCIAL CORPORATION (GA)

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company XX/XX/XXXX XXXX 90 days past XXXX or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Inquires / Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company Regional Acceptance Corp / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
Consumer complaint received 2021-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been requesting, since XX/XX/2020, verification of these alleged debts that Credit Bureaus keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - they are required to promptly delete all information which can not be verified ''