davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
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. (AZ)

According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX/XXXX XXXX   ACCOUNT NUMBER #
XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX HOWEVER I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX XXXX XXXX , DE XXXX  ( XXXX  ) XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX , DE XXXX  ( XXXX  ) XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, AND XX/XX/XXXX HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX ( XXXX  ) XXXX   THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT
Consumer complaint received 2024-02-08
Product: Credit reporting 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)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

Although I received an email from CFPB stating that my complaint XXXX was resolved, it has not been. I have not received any additional information from Chase about the documents required to close this account. I telephoned this morning and was told that I had not submitted a death certificate. If you look at my complaint, you will see that I have already submitted two hard copies ( to the address listed in the resolution email you sent, one certified mail ) and two email copies -- one to a branch office and one to Chases Executive Office. When I mentioned this to XXXX, the Chase representative, he said that someone would call me back. 
I am beginning to think that this repeated loss of my documents is motivated by prejudice against a perception of what race and religion I am. I can not come up with another explanation of the refusal to accept or hold onto the documents I send and the refusal to put anything in writing.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 
XXXX XXXX XXXX XXXX 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 2019-01-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

When attending the XXXX XXXX XXXX XXXX XXXX. I was forced to take Private student loans. The financial aid office stating the federal student loans was not available to any students at this time and that I had to take the private. When taking the loan the financial aid office stated that I would be able to pay off my loans in about 10 years after starting repayment. When I tried to read the loan I was told that they have alot of people waiting and that I can get a copy. When I asked for a copy of the loan they said I can get it after I graduated. I could never get the copies. It has been over 10 years - I have borrowed XXXX paid over 40k and still owe XXXX. The lender is taking 99.9 percent of the money that I pay and applying it only to interest and never applying anything to the principle I have called several times to question this act and they said " if I don't like what I see I should just pay more " and that if I didn't pay they would garnish my income or take my cosigners house away. I have also ask for them to send validation documents of my loans to me and they do not. Out of fear of being attacked I constantly make payments that do nothing. 

This is a prime example of predatory lending practices. I should not have to pay back 100 's of thousands of dollars for a XXXX dollars loan.
Consumer complaint received 2018-05-23
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. (FL)

I opened a dispute with Equifax in reference to a 60/90 late payment that that was provided by XXXX XXXX XXXX. I exercised my rights provided by The Fair Debt Collection Practice Act and requested Equifax to provide me with the proof of agreement that binds me to this account and a competent accounting of the dates of payments to support being legally reported to my credit report. Well Equifax accepted a teletype response from XXXX XXXX XXXX that they verified this account belongs to me. No documents, No signature, No accounting of dates to reflect when payments were received and deemed 60/90 days late. Im requesting Equifax to validate claims with supporting documents. Not verify name, address, and social security #. What im requesting of Equifax can't completed with a teletype.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TN)

I received a Default correspondence from my mortgage servicer Shellpoint Mortgage Servicing stating that a default is occurring with my mortgage. I recently received correspondence stating that I was approved for a mortgage modification. Correspondence I received did not state the terms of the modification nor did it state terms of the how many years I had on the mortgage, if it was a fixed interest rate or the interest rate. I was expected to remit the 1st trial payment with out receiving that important information. I need to reassured they will not foreclose on my home and when should I remit the first trial payment.
Consumer complaint received 2019-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (NY)

On XX/XX/18 I submitted a complaint to your agency : complaint # XXXX regarding Meridian Financial fraudulently and illegally buying and placing numerous accounts on my credit report with fake dates/ amounts so as to show recent and restart clock. 

The results/theyre response was that they were to contact credit bureau within 5-7 business days to have all accounts they placed removed. 

As of last week, only one of the illegally placed 7 accounts were recently removed. However, they have increased amounts and the following remain on my credit report continuously causing damage to my credit/ Meridian Collections : {$2200.00} XX/XX/2018 {$920.00} XX/XX/2018 {$2100.00} XX/XX/ {$640.00} XX/XX/2018 {$250.00} XX/XX/2018 {$570.00} XX/XX/2018. 

As per results of last complaint : THESE ARE TO BE REMOVED IMMEDIATELY. 

This company illegal activity is ruining my credit and they have not complied with findings of last complaint.

I have waited long enough and I am being denied my legal right to have fraudulent accounts illegally placed on my report removed by this company.

I have sent letters in this regarding referring to said complaint and STILL NO RESPONSE.

This company needs to be sanctioned for its illegal practices effecting peoples lives and showing no regard for the conclusion of the Federal Governments findings.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I recently learned that XXXX XXXX on behalf of JcPenney is reporting to the credit agencies that they filed suit regarding my account. At no time have I been notified or was notified that XXXX XXXX   filed suit in XX/XX/XXXX. How can this be if the account was opened XXXX XXXX. This account didn't become late/become a bad account until XX/XX/XXXX according to XXXX XXXX XX/XX/XXXX response ( letter attached - 4th paragraph ) to a another CFPB complaint that I filed therefore why would XXXX XXXX file suit. In addition, there is no information indicating that they filed suit any of the prior complaints that I filed about XXXX XXXX. 

I never received a letter, call and nor was I served regarding this account. 

I want XXXX XXXX to delete their tradeline/public record information from all of my credit reports : XXXX, XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (TX)

I had a five year loan with carmax, the loan was paid off in full in XX/XX/2018. I paid a payment ever month, in XXXX my credit was hit with a 30 day past and 54 points. I called and was told that I had late fees of XXXX for two years. I was never called or advised that I had these late fees or that my credit would be hit. My payment was XXXX per month. I paid that amount every month. Once I was told about the late fees I paid the balance off in full. I was never sent a demand letter or a notice at all. I didnt have a loan for late fee amounts. I satisfied my loan obligation in full. I asked hem to remove from my credit and was told per policy they could not.
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a court document ( memorandum of cost after judgement ( Case # involved ) in the mail under my first married last name ( XXXX ) from XXXX XXXX XXXX in the total amount of {$2200.00}. ( XXXX XXXX XXXX in XXXX XXXX, ca ). I went to my local courthouse to see if document was legitimate the court document looked fraudulently no signature or no date stamp from the courthouse. they told me that I had to contact the attorney on paper. I called Midland and spoke with XXXX XXXX ( i believe that was his name ) and asked what is going on. I was advised that a XXXXXXXX XXXX XXXX XXXX was open in my name and this an attempt to collect debit. I told him i never had a XXXX XXXX account this is fraud case and nothing is on my credit report he then changed his mind and said that Midland would send me a fraud packet to fill out. its been almost a week and no packet, i was not informed of what the bank location it is or when this even occurred no dates or anything showing Information or of any charges made, the man on the phone then stated they were gon na issue a wage garnishment. I told Midland I would Sue them if they came after my wages. I filed a Police Report with XXXX Co PD i have a tracking number. i also looked up the case online and found some of interesting stuff there is another female name I saw ( Proof of service of summons and complaint filed showing substituted service on XXXX XXXX, occupant,, mailed on XX/XX/13 ) I don't even know who this person they have a fake address on this document, but whoever has done this has my whole Identity. I will Prosecute to the fullest extent.
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Modlin Slinsky, P.A. (FL)

I am writing to file a complaint against Modlin Slinsky ( debt collector ), P.A, Attorney for Plaintiff, XXXX XXXX XXXX XXXX in conspiracy with XXXX XXXX XXXXXXXX XXXX witness for what appears to be perjury by affidavit and unfair and misleading debt collection practices. On XX/XX/2023, I received notice from your company regarding an alleged debt of {$990.00} that I allegedly owe to XXXX XXXX XXXXXXXX XXXX. The notice included an affidavit signed by Assistant Custodian or Records for XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX identified as AFFIDAVIT OF INDEBTEDNESS dated XX/XX/2023, which I believe contains false statements. 

Specifically, the affidavit states that " After giving Defendant credit for all payments made, if any, the amount justly due and owing as of XX/XX/2023 is {$990.00} '' ( Exhibit B ). These statements are untrue and have been made with the intention of deceiving me into paying a debt that I do not owe as expressed by supporting statement with closing date XX/XX/2023 ( exhibit A ). This constitutes perjury by affidavit, which is a serious offense under the law. 

Furthermore, The I have attached a formal NOTICE OF DISPUTE AND VERIFICATION OF DEBT REQUEST NOTICE OF REQUEST FOR ACKNOWLEDGMENT NOTICE OF REQUEST FOR RELIEF for futher clarification of the alleged obligation. 

I demand that your company immediately cease all attempts to collect this alleged debt and remove any negative information from my credit report related to this alleged debt. If your company fails to comply with this demand, I will have no choice but to pursue legal action against you.
Consumer complaint received 2018-08-29
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)

I was recently a victim of identity theft and this card was opened. It went in to debt and Im left with paying it the thieves had my SSN, address, email address, birthday everything needed to be me. Passwords and all. I never went into a capital one there was never a face to face varfiying it was me
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

We learned that our bank account had been hacked and so ... 
Tonight my wife went online to place credit freezes with XXXX, XXXX and Experian. The first two were a breeze, free, easy, done. Experian offered a freeze as part of a service costing {$4.00} for the first month and $ XXXX thereafter. With a further search, she located the free form, completed it online just as with XXXX and XXXX but Experian rejected the application and gave instructions on what hard copy materials to mail. 
My wife tried earlier in the day to reach Experian but the qualifying questions asked to confirm identification would have required an extensive records search of past mortgages and so she abandoned the effort. Phone and online are not easily available alternatives when it comes to Experian. Our experience was substantially poorer than with the other two companies, XXXX and XXXX. We will now have at least a week of delay because we will have to mail materials to Experian and then wait up to three days from receipt for Experian to act.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (NC)

This is a fraudulent charge and I was contacted by the Amex. numerous times and I tried to pay the entire amount just so they would not report as a charge off every other month to pull my credit score down to punish me for the debt, that they deemed fraudulent. I was told to contact the Collection Agency in which I contacted them and was told by them they no longer held my file, I again several times asked to speak with someone in Management who I was attempting to just pay it off and was told no in Management couldn't do no more than the Representative whom I was speaking with and I was denied access to speak with someone in Management. Every other month they hit me with a fresh Charge off as a way to hurt my Credit. I contacted XXXX and shared with them how I was being treated and was told that wasn't the way they were supposed to fix the problem. So again a dispute was initiated by a Representative of XXXX in an attempt to resolve the problem. I have never been told that I could not pay to clear up a matter. I have been trying to get this taken care of since XX/XX/2019.I am a XXXX  and XXXX XXXX XXXX XXXX  XXXX injured in the line of Duty and very limited by what I can not do and I am very frustrated by the total lack of support trying to get this problem fixed so every other month my credit score is damaged by this one Company American Express credit card. Thank you for any suggestions or help you may be able to help me with. 
on
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NJ)

The checking account in reference is # XXXX and the problem began opening a checking account with direct deposit at the XXXX XXXX, NJ branch office of Chase. I had received an advertisement in the mail that stated if I opened a checking account at a branch with direct deposit, they will provide a {$300.00} bonus. So I opened the checking account at the referenced branch, showed the representative the advertisement, and he told me that the direct deposit has to kick in and then I will get the {$300.00} bonus. I went back after 3 months and asked them why I didn't get the funds, and they had no idea what I was talking about. This is false advertising and in violation of federal regulations. They should reimburse me for the funds they stated I was supposed to receive.
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX & XXXX Account # 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 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-15
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. (VA)

After receiving my consumer report from XXXX, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, XXXX is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, XXXX willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, XXXX is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.