davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Subject : Urgent Demand for Correction of Errors on My Consumer Report To Whom It May Concern, I am writing to formally request the immediate investigation and removal of inaccurate information from my consumer credit reports. This communication is addressed to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), Equifax, XXXX, and XXXX and is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

Upon receiving an updated consumer report, I have identified several unauthorized inquiries and erroneous late payments recorded on my credit file, which do not accurately reflect my account history. The items in question are as follows : **Unauthorized Credit Inquiries : *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 XXXXXX/XX/XXXX These inquiries were not authorized by me and must be removed from my credit reports promptly. 

**Erroneous Late Payments : ** The following tradelines have inaccurately reported late payments, despite my consistent payment history : XXXX. XXXX XXXX : Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX. Self : Opened Date - XX/XX/XXXX I demand that the credit reporting agencies provide detailed information regarding any communication that was conducted to verify these alleged late payments, including the name, email, and position of the person spoken with at these institutions. Given the inaccuracy of these reports, I insist on an immediate correction or removal of these entries. 

**Actions Requested : ** - Remove all unauthorized inquiries within five business days.

- Correct or remove the false indications of late payments from the tradelines listed above. 
- Provide an updated copy of my credit report reflecting these changes. 

These discrepancies on my credit reports have caused considerable distress and impede my financial integrity. Please expedite this investigation and provide written confirmation of the updates. 

If these mistakes are not rectified within the specified time frame, I will not hesitate to seek further action to preserve my consumer rights. 

Thank you for your prompt attention to these serious issues. 

Sincerely,
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. 

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature.

I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/23 at XXXX am I received a call from ( XXXX ) I was at work so I ignored the call assuming it was spam as I did not know the number, however they called back immediately and when I answered I googled the number seeing that is was my local Chase bank. The caller informed me of fraud on my husbands debit card and ran through the usual were sending out a new car we've removed the charge and sent a XXXX time pin to be used to send my husband out a new card, I then informed then we would be traveling out of state the next day and to make sure our accounts did not get frozen as is usual with strange activity. On XX/XX/23 I noticed a {$2000.00} charge on our savings account as we do not take out of out savings I thought this was strange so I called chase and reported it along with XXXX other claims of XXXX and XXXX Chase denied the {$2000.00} and the for smaller claims totaling {$1400.00} stating it was money I had authorized to leave my account and that someone physically went into the branch and withdrew that money on XX/XX/23, without an ID this should not be possible, and considering my husband and I were out of state on XX/XX/23 to XX/XX/23 it would have been impossible for either of us to go into that branch and withdraw any money. Therefore on XX/XX/23 whoever went into the chase bank in falsely posed as my husband or I to gain access to the account and help themselves to {$3400.00} that we have worked to accumulate. As Chase has decided to laugh me off the phone multiple times and tell me it is my own fault I was scammed by someone using the same number registered to my local Chase branch to gain access to my account I have decided to escalate the situation. On XX/XX/23 we have an appointment to discus this in person at which time I also plan to file a police report, though Chase customer relations has stated they will not refund our money regardless.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I'm a victim of fraud/ Identity Theft. These Inquiries are not mine. XXXX XXXXXXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, and XXXX XX/XX/2023.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2023 ( around XXXX EST ) I received a phone call which my phone identified as CHASE FREEDOM ( XXXX ). I answered it and the man began telling me that there was suspicious activity on my credit card. Being a suspicious person, I checked for a phone number on the back of my credit card and it matched with the number that was calling me. The man proceeds to continue to ask me about purchases claiming he worked with Chase 's fraud department. Over the course of the conversation his questions became increasingly suspicious ( do you bank with chase 's mobile app, what is your social security number for verification purposes, etc. ). Eventually he asked me about my bank account that I frequently use to pay my credit card. I told him I would not discuss this with him and would be talking to a XXXX employee about this. He attempted to assure me that this is normal procedure and read back to me my full name, my full social security number, my full phone number, and my address, as well as an incorrect email address ( XXXX ). I informed him that this was unnerving and he began to transfer me to a " XXXX '' employee ( pronouncing the bank incorrectly with a " t '' multiple times. ) I again checked the back of my XXXX debit card and the number I was transferred to matched. A new man asked me fake security questions like my mother 's maiden name. I mistakenly answered these. Then he began asking me for my username for the " XXXX  '' mobile app. Then he asked me what my balance was. I told him if he truly worked for XXXX then he would have access to that information and told him I would not be revealing this to him. I then asked him if he could just put a freeze on my debit card and issue me a new one. He refused stating it was " unnecessary. '' At this point I told him I believed this was fraud and hung up. They attempted to call me back 6 times from the number XXXX ( which matches XXXX 's real number ). Then I called XXXX and Chase myself and with the help of the real representatives we locked my accounts. The Chase representative informed me that a few of my purchases were fraud and multiple digital wallets had been opened using my credit card. The XXXX representative informed me that during our phone call, there were a few attempted purchases from XXXX.
Consumer complaint received 2023-10-16
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. (NC)

Account # " XXXX '' IS INCORRECT ON MY CREDIT REPORT. ON XXXX IT WAS OPENED XX/XX/2023 ON XXXX IT WAS OPENED XX/XX/2023 ON EQUIFAX IT WAS OPENED ON XX/XX/2023 ALSO I DONT HAVE A CONTRACT STATING THAT I OWE ANY MONEY TO " XXXX XXXX XXXX XXXX XXXX ALSO " XXXX XXXX XXXX XXXX XXXX HAS MY NAME INNCORRECT ON MY CREDIT REPORT. 15USC 1681A4 : THERE IS A NEED TO INSURE THE CONSUMER REPORT AGENCIES EXCERCISE THEIR GREAT RESPONSIBILITIES FOR FAIRNESS & PARTIALITY AND RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 15USC 1681BA2 : SUBJECT TO SUBSECTION " G '' ANY CONSUMER AGENCY MAY FIRST CHECK THE CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER, AND QUOTIENT WITH WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. XXXX XXXX XXXX ALREADY DELETED THE COLLECTION FOLLOWING THE RULES, I JUST NEED EQUIFAX TO COMPLY. CAN YOU PLEASE DO A THOROUGH INVESTIGATION & DELETE THIS FALSE COLLECTION DUE TO THE COLLECTION & EVERYTHING ELSE BEING INNCORRECT. THANK YOU I REALLY APPRECIATE IT. XXXX BLESS
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

Nationstar Mortgage DBA " Mr. Cooper '' has sent me materially wrong statements from XX/XX/XXXX until transfer of servicing XX/XX/XXXX. These statements never reflected the XXXX forbearance program in which they enrolled me. Their customer service department said to ignore the errors in my statements, online, and in their voice response unit. We have made all payments satisfactorily on our mortgage per the contract and modifications. 

When Mr. Cooper sold the servicing of my mortgage XX/XX/XXXX to XXXX XXXX XXXX XXXX " XXXX '', XXXX started foreclosure proceedings stating I was past due for all forbearance payments. The amount demanded is {$60000.00}. 

Furthermore, on XX/XX/XXXX, Mr. Cooper received our signed loan modification agreement after our successful trial payments, and marked it " XXXX passed ''. They then sold our mortgage to XXXX on XX/XX/XXXX, without executing the modification. Their customer service told us that we had to work it out with XXXX and they could not modify the mortgage as agreed. XXXX has charged us the original mortgage amount, term, and payments. 

This has caused us to lose the future value benefit of a XXXX 2.375 % loan modification and caused us to pay approximately {$1500.00} / month more to XXXX. 
I have lost {$320000.00} in future value, and incurred costs of {$360000.00} ( Future value plus market value of a {$450000.00} assumable mortgage for 40 years at 2.375 % APR ; plus my cost to finance the XXXX past due. 

Mr. Cooper has violated truth-in-lending laws, the forbearance contract, and the loan modification agreement, and has failed to transfer the sale of my mortgage, causing great harm. Because of their malfeasance, they have likely inflicted damange on every borrower who went through the forbearance and/or loan modification process.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have sent all three credit bureaus my police report, my ftc report and letters provided by the creditors that the accounts was never paid late and they dont belong to me : I havent heard from the credit bureaus ; on XX/XX/XXXX I submitted my information : XXXX XX/XX/XXXX; XXXX I submitted my information :, on XX/XX/XXXX ; XXXX I submitted documents : XX/XX/XXXX and XX/XX/XXXX I submitted documents. No results the items remain the same.
Consumer complaint received 2023-08-17
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. (NC)

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 2023-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (CA)

Chime Financial sent me a series of emails stating an account was opened in my name. My employer, the University XX/XX/XXXX, had a data leak a few years ago. The University system has created a PDF document stating that there is an 'outbreak ' of Chime accounts created using the stolen data. Here is the catch My gmail address is : XXXX Chime has it as : XXXX A feature of XXXX is that I will receive emails addressed with our without the ". ' The thieves likely know this. In my correspondences with Chime, they state they will only close the account if I send it from the registered email address, which lacks the ". ' This is not possible, and so I'm stuck. When I call, the bank asks for personal information, which I will not provide due to concerns of further fraud and damage to my credit and finances. I am a victim of their practices and I do not know what further actions I can take.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XX/XX/XXXX account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one credit, I have XXXX  closed cc accounts from XXXX, that were all paid in full on XX/XX/XXXX. Capital one Quick silver card ending in XXXX was reported 30 days late in the month of XX/XX/XXXX. I paid the full balance that was shown {$190.00}, on XX/XX/XXXX, On the card ending in XXXX, is currently showing a {$12.00} balance, which i was not made aware of at the time of fulfilling the full amount due. Capital one told me over the phone that the account was still open, which is not true as reported on my credit report, and i do not have any access to any credit as the account states, {$0.00} of available credit out of a {$300.00} limit, with a {$12.00} reported balance. All three card accounts I had with them are closed and have been reported as so. In XX/XX/XXXX they reported a late payment of 30 days late, on an account that was closed in XXXX
Consumer complaint received 2023-10-16
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. (PA)

Dear Experian, I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 
I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 
Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 
Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 
I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TX)

My loan with Shellpoint mortgage was under a forbearance program and at the end of the plan, the account was brought current. But now Shellpoint Mortgage is now reporting that the account was delinquent during the forbearance time. The property address is XXXX XXXX XXXX, XXXX, TX XXXX.
Consumer complaint received 2023-08-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

As a sovereign living women made payment by mail to SELECT PORTFOLIO SERVICING XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX on XX/XX/2022 for the mortgage debt in the legal entity name. It has come to my attention the debt collecting company has been paid in full at closing under title 15 section 1605 ( a ) and title 15 section 1691 ( a ) via extension of credit. As the bearer of the mortgage-backed securities 31 CFR 328.6 ( a ) and under UCC -3-302 as holder in due course sent ( UCC 3-104 section F ) tender of payment under UCC-3-603 to SELECT PORTFOLIO SERVICING INC . The company Select Portfolio Services deny payment under UCC-3-603 ( b ). Whereas 1782 Act sign in congress states the American people are the original creditors therefore SELECT PORTFOLIO SERVICING violates title 15 section 1602 ( g ) and title 15 section 1605 ( a ). Furthermore, out of dishonor SPS violates FDCPA and violates UCC 5-102 section 8. SELECT PORTFOLIO SERVICING Inc, are in violation of consumer credit under ( Truth In Lending Act ) title 15 section 1692 ( b ) section 2, shall not state consumer owe any debt. All debt collectors shall face legal action under title 18 section 241 Conspiracy against rights and title 18 section 242-Deprivation of rights under Color of Law. For the violation Title 15 section 1692 ( i ) section ( b ) and title 18 section 1341-Fraud & Swindle. Without prejudice, All Rights Reserved UCC 1-308.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (IN)

XXXX XXXX  I opened XXXX accounts for my self and my employees at Optum Bank. On XX/XX/ I deposited {$1000.00} into each of my employees as well as my XXXX account. Almost immediately, Optum Bank has managed to lose my deposit, per their website there was a ACH withdrawal of {$1000.00} the same day I made the deposit, except I had no access to the account and the funds weren't even available at that time. I discovered this error when my wife tried to use the XXXX debit card and it was rejected. Optum has given multiple excuses, including a security breach and system errors, however they have done nothing to resolve the issue, On XX/XX/XXXX I was told they are trying to resolve the issue in batches meaning this has happened to multiple people. Optum Bank has essentially held my money hostage for XXXX weeks and can give no estimate as to when it might be released. I have asked Optum to credit my account for the {$1000.00} until the resolve the matter they have refused. they literally lost my deposit within hours of me making it and clearly in no hurry to resolve the matter
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.