davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-08-30
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. (CA)

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO. (AL)

Chase is showing XXXX accounts on my credit report without sufficient information. I have requested them to fully validate my accounts XXXX times ( with certified mailing receipts ), but they have failed to do so. I have also been in contact with the XXXX credit bureaus in order to get these accounts removed, with no such success.
Consumer complaint received 2022-08-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (NV)

Please refer to the following statute, I am a granter of the MERS-HELOC DOT, NOTE and reside at the residential property XXXX XXXXXXXX XXXX  XXXX NV XXXX referred to in the DOT and NOTE. 

XXXXRequest by grantor of deed of trust for certified copy of note, deed of trust and assignments. 

1.A grantor of a deed of trust may submit a written request to the servicer of the deed of trust for a certified copy of the note, the deed of trust and all assignments of the note and deed of trust if : ( a ) The real property subject to the deed of trust is a single-family dwelling ; ( b ) The grantor is the owner of record of the real property ; ( c ) The grantor currently occupies the real property as his or her principal residence; and ( d ) The servicer or beneficiary of the deed of trust is a banking or financial institution or any other business entity that is licensed, registered or otherwise authorized to do business in this State. 

2.Not more than 10 days after receipt of a written request pursuant to subsection 1, the servicer of the deed of trust shall provide to the grantor the identity, address and any other contact information of the current owner or assignee of the note and deed of trust.

3.If the servicer of the deed of trust does not provide a certified copy of each document requested pursuant to subsection 1 within 30 days after receipt of the request, or if the documents provided by the servicer indicate that the beneficiary of the deed of trust does not have a recorded interest in or lien on the real property which is subject to the deed of trust : ( a ) The grantor of the deed of trust may report the servicer and the beneficiary of the deed of trust to the Division of Mortgage Lending or the Division of Financial Institutions of the Department of Business and Industry , whichever is appropriate ; and ( b ) The appropriate division may take whatever actions it deems necessary and proper, including, without limitation, enforcing any applicable laws or regulations or adopting any additional regulations. 

4.As used in this section, banking or financial institution has the meaning ascribed to it in XXXX XXXX XXXX Please fulfill my request for the documents as mentioned in section 1 & 2 of the statute XXXX XXXX XXXX. Thank you
Consumer complaint received 2020-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a Capital One account that does not belong to me. I never opened this account or used it. On XX/XX/XXXX, I disputed this account with the credit bureaus and with Capital One directly but to no luck. Capital one just recently responded saying that they do not believe this account was opened fraudulently, and are refusing to remove it. This is after I sent them my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. Capital One is refusing to do it's due diligence and it is doing significant damage to my credit.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings (TX)

Safe Rent Solutions denied my application for housing without running a complete and accurate report. Under the FCRA protections for Identity Theft Victims, no company is allowed to obtain a frozen credit report file without calling me to verify. 

I do not know what information was provided, I do not know if Safe Rent Solutions knows if they provided accuracy information. 

I tired calling to obtain a copy of my credit file. However was told I would have to provide my social security number, date of birth, address, phone number and answer security questions. This is not ok by me nor is it permissible under FCRA. 

Furthermore, upon Investigation of this company, whom which is according to the XXXX Safe Rent is a Non Accredited Business and under a major discrimination class act settlement. Specifically pertaining to denying minorities with housing vouchers credit screening. Ironically, I am a XXXX XXXX  with an Emergency Housing Voucher specifically for XXXX XXXXXXXX Victims.
Consumer complaint received 2022-08-30
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. (NY)

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 account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 items are 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I AM REQUESTING XXXX, EQUIFAX AND XXXX TO REMOVE THE CREDIT FREEZE, FRAUD ALERTS SO THAT CFPB CAN AIN IN PORTECTING MY CREDIT FAIRLY. WHEN THE DISPUTES ARE COMPLETED I WILL REPLACE THEM BACK ON MY REPORT.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (TX)

Send in payoff in amount of {$190000.00}. Lender applied XXXX as payment due XX/XX/XXXX and placed {$190.00} XXXX in Escrow ( taxes and /or insurance ). in violation of the terms of the note, dot and XXXX XXXX XXXX disclosures. No discharge provided- invoiced for XXXX payment. On hold for 1 hr 38 minutes- listing to tape describing Bank `` legendary " customer service.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX. XXXX Open Date XX/XX/XXXX XXXX : {$0.00}
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (SC)

I cancelled XXXX in my XXXX home on XX/XX/2021. My bill was paid. They took XXXX out of my bank account on XX/XX/2021 for services not rendered. I removed my bank account from the XXXX account so this would not continue to happen. They continued to bill me through XXXX XXXX Credit Management Lp continually tries to collect money I do not owe XXXX XXXX in fact they owe me XXXX. I have explained this to XXXX and Credit Management LP. They never respond. I moved to XXXX XXXX on XX/XX/2021. There is no XXXX service in this area that I could be billed for. Credit Management LP just put a collection notice on my Credit reports for {$100.00}. This is fraudulent reporting.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX, I opened a credit card account with Chase Freedom XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX account number XXXX this account can be seen on my credit report ( See exhibit A ). I paid this account monthly as seen on the history from my bank payments ( See exhibit B ). On XX/XX/XXXX, I purchased a product for my XXXX  through XXXX XXXX  XXXX in the amount of {$370.00} ( See exhibit C ) and used the card mentioned above to pay for this purchase. 
Some time whet by and I did not install the product I had purchased and at the end of XX/XX/XXXX I realized the item I ordered was the wrong product for my XXXX. I contacted the merchant I purchased the product from, and they agreed to refund me for the purchase ( less shipping ), and I purchased the correct product using a different credit card. 
During the time frame between when I ordered this product and the time I realized the product was not the right product I had closed some of my credit card accounts that I was no longer planning on using and the account ending in XXXX and one other account at Chase were closed during this period. 
The attached exhibit D shows where the merchant refunded the amount of {$360.00} to the credit card ending in XXXX that I had closed with Chase. Exhibit E shows the transaction ID numbers from the merchant showing the original purchase and the amount refunded to my account ending in XXXX of {$360.00}. 
I spoke with the merchant and Chase on numerous occasions attempting to get this refunded amount tracked down and resolved. Exhibit F is a copy of the email I sent to the merchant after numerous discussions with Chase and the merchant. Exhibit G is a copy of the letter I received from Chase after they did an investigation of this matter and according to Chase this account never existed, they have no record of this account number or the transactions even though I provided them with all the documentation showing these transactions. 
Exhibit H is a copy of the last e-mail I received from the merchant indicating that his accountant has reviewed all these transactions and Chase ( who also processes the merchants credit card charges ) says I was credited these funds and the funds were not returned to the merchants account. I have discussed this matter at every level I have access to at Chase and provided them with this documentation and they still today claim that there is nothing they can do for me because they dont show this account existed.
Consumer complaint received 2023-03-13
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. (AL)

In accordance with the fair credit reporting act XXXX XXXX XXXX {$1800.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD Account under an OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2022-08-29
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: Marlette Funding, LLC (FL)

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-29
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. (NY)

I am a human being. I am a living human being. I have rights under 15 USC 1681. 

Equifax XXXX and XXXX is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX  XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXXXXXX 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 15 USC 1681 section 602 A . States I have the right to privacy 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-01-26
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CA)

I received an Adverse Action from Chase bank regarding a HELOC I was looking into. I believe they are mistaken since they had no action to take - I denied their loan because the terms were not competative and the individual who was taking my application kept trying to get me to put more of my credit card debt and an auto loan on to the HELOC to get " more ''. Of course I was looking for liquid cash, not debt consolidation to a higher rate product so I refused their loan. The net on his pitch was that if I transfered every debt I have other than my first mortgage I could get a net of about {$6500.00} more on my HELOC - and as a result end up with very little liquid cash. Their matrix appears to be a bit stupid - either because of CFPB rule making or their own short sightedness. 
I am currently paying down my debts at more than {$3000.00} a month and have excellent credit ( XXXX - lowered because I put my card debt all on XXXX card ) and more than $ XXXX equity in my primary residence - I chose to discontinue the process when it became clear that the primary goal was to coral my debt service - not to extend me money in hand. 

Before the " debt crisis '' I was able to get a HELOC of {$140000.00} with lower income and higher debt - I have never missed a payment and understand credit. 

It is a difficult situation to have to spend a half hour telling someone about your life story at work - because they have short hours - so they can make a deterniation as to how much they are willing to lend. I am sure part of this is to make sure I have " skin in the game '' and wo n't walk from their loan. They should have a loan calculator online so I could see how bad their offers are without dealing with a person who is afraid to make a misrepresention. 

I would like an address where I can send them an Adverse Action explaining why I walked away from their useless loan product. On the bright side - if I do not get a loan from my insurace company - who is still working on the Dood-Frank changes to their contract - I will pay off all of my debt including my house within five years and can remodel my kitchen without XXXX.
Consumer complaint received 2022-08-29
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. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-21
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. (CT)

They did not accurately verify that my XXXX account was in fact closed. I have disputed twice and they still have not updated the information and removed it from my report. They are inaccurately reporting repossession on my XXXX account even with payment history documents attached.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

In 2013 I received a XXXX and asked for a forbearance while on XXXX. I was never told that my interest could be held from a accruing while recovering for 4 months this made my loan increase by {$50.00} only to find out that interest should not have been charged while I was on forbearance for my subsidized student loan. Navient is my loan servicer. I 've also recently called to lower payments ( down to minimum payments ) and the servicer said that this was not possible.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paramount GR Holdings, LLC (TN)

We purchased a solar system from XXXX XXXX. The funds were not supposed to be paid in full to XXXX until our system was operational. 

My system is sitting in my yard, XXXX has been paid in full, and they are now out of business. 

Goodleap has a lein on my home which I was told would not happen. 

They will not send me a copy of my contract and said I need to get it from XXXX ( who are out of business ) So I am out XXXX for a non working system and have XXXX in damages to my home that XXXX created during installation. 

Goodleap says too bad, XXXX XXXX was paid, you owe us. 

Again, XXXX should never have been paid