davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the  accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**,
Consumer complaint received 2022-08-31
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. (MT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I would like to reopen my FRAUD CASE CLAIM # XXXX with Chase bank XX/XX/2022. I have collected evidence supporting my claim that there were several unauthorized fraudulent transactions all occurring XX/XX/2022 listed below in chronological order for your review. 

XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by XXXX XXXX via email that someone accessed and compromised my email account. 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX for {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email from Chase Bank accepting and processing the unauthorized fraudulent check # XXXX of {$1000.00}. 
XXXX. XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, I was alerted by Chase XXXX with XXXX Team from Chase Bank that XXXX, who was unauthorized by me, was added as a Chase XXXX with XXXX recipient by an authorized fraudulent email address XXXX. 
XXXX. XX/XX/2022, I was alerted that an unauthorized fraudulent email address XXXX unauthorized fraudulent transaction # XXXX transfer via XXXX in the amount of {$1000.00} to an unauthorized recipient XXXX. 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX in the amount of {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXXXXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX for {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email from Chase Bank accepting and processing the unauthorized fraudulent check # XXXX of {$1000.00}. 

Please approve my fraudulent claim case # XXXX and return my money that was stolen from me immediately to my account in the amount of {$1000.00}.
Consumer complaint received 2021-04-06
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-03-30
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. (CO)

My vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX  XXXX  received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX  XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under UCC 9.506, 9-611, 9-612 and 9-613 were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had 15 days to respond. Capital One did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to XXXX, Equifax and XXXX  on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. XXXX  has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for 48 months ( since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed from my credit report.
Consumer complaint received 2019-05-31
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,, XXXX ( Original Creditor : 11 XXXX ) XXXX,
Consumer complaint received 2019-05-31
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: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX,, XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Consumer complaint received 2022-08-31
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. (IL)

15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it isjeopardizing my character as a consumer. In addition these accounts are also affecting me XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2019-05-31
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: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX* , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX,
Consumer complaint received 2022-08-31
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. (FL)

In accordance with the fair credit reporting act XXXX  Acct # XXXX has violated my rights. 

Also acct has wrong information showing having my last name as XXXX XXXX which is incorrect and also wrong move out date showing. I have disputed this many times. Please help me 15. USC Section 602A state I have the right to privacy.

15. USC Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-01-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (TX)

I was offered to refinance my house with no closing cost. The day before the refinance they sent me some documents to sign through e-sign. I contacted my loan officer because the payment did not match what was quoted to me. She said not to worry about it to sign it and everything would be corrected when the notary showed. 
XX/XX/XXXX The notary showed up to my house and nothing was corrected. The notary called the loan officer but she did not answer. She reached another loan officer and he said to sign it this way the notary doesnt need to come back out. That I had 3 days to cancel. Same day I had my brother in law look it over who owns an escrow company. He said they are charging me {$10000.00} on the back end and to cancel it. I cancelled it that same evening. I called and emailed my loan officer to confirm she received the cancellation. She said she would cancel it. 
XX/XX/XXXX I called to make my mortgage payment.I could not make my house payment because it said my loan was paid off. I talk to a representative and was told to check on it in a couple of days because they need to put my loan back together. I emailed and called the loan officer and all she could say was she canceled the refinance to check on my loan at a later date. 
XXXX I called again and still voile not make a payment. I contacted the title company and was informed my loan was never canceled. I asked for the loan officers managers number. I was given XXXX XXXX email. 
XXXX I emailed XXXX XXXX and was told to hold onto my mortgage payments while they try to straighten this out. They paid off my original loan before the 3 days and sent me the release of lien on my house. XXXX reassured me this would not hurt my credit and my home would not go into foreclosure. 
XX/XX/XXXX My loan was finally put back together and was able to make my payments for the past 3 months. I was told by XXXX XXXX that everything was back to the way it was and the other loan would be voided. 
XX/XX/XXXX I receive a letter that Im in default on the new loan that was created and my house would possibly go into foreclosure. I continue to be harassed every day with calls trying to collect. When I have made my house payments. Ive asked for them to fix this and they have no urgency to do so. This has caused me to worry where I have anxiety now.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

I made several attempts to receive assistance from Amazon and Synchrony Bank but I receive extremely poor assistance and no assistance at all while requesting account number XXXX to be updated and to investigate any unpaid balance and phony gift cards as form of credit. Such account should have a credit balance and it should be mailed to my address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX and payable to XXXX XXXX XXXX. 
All or any correspondence must be in writing and sent to me by certified mail. 
You should send me a refund, investigate with any merchant the validity of any unpaid balance and or send me the merchants and reason for the unpaid balance information for me to escalate the situation personally. The account number regarding this matter should be permanently closed with XXXX balance. 

Respectfully, XXXX XXXX XXXX____________________________________XXXX XXXX 2019
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

Dear Team, In XX/XX/XXXX, I informed Lexis Nexis ( company that maintain XXXX insurance report for consumers ) about a potential mistake in my report. This report was showing 3 'at fault ' accidents on my name where I never driven before. After multiple email exchanges and phone calls with long wait times, i found that my whole report is mixed up with another person who has the same name and DOB as mine. That person was involved in accidents and hence, this was appearing on my report. I sent multiple requests to Lexis Nexis to fix my report and they assured that it will be fixed. 

Now it is XX/XX/XXXX and my report is still the same. I recently ordered a fresh copy of my report and it is still showing the other person 's info. Clearly, LexiNexis never investigated the issue other wise they would have easily figured out two separate SSNs on one person 's report. This is highly unacceptable as Im facing issues because of this errored report maintained by LexisNexis.

Im requesting you to please look into the matter and take action against LexisNexis as they are falsefully maintaining consumer reports and making money while the consumer is suffering. 

My details are - Name : XXXX XXXX State of residence : Michigan D/L number : XXXX
Consumer complaint received 2022-10-04
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

In XXXX, I had communications with my loan servicer ( XXXX ) about not wanting to be placed into in-school deferment status of my loans as I intended to continue to make income-based repayments. Despite these communications, I had multiple periods of in-school deferment status placed on my account, which made my payments ineligible to be counted for the Public Service Loan Forgiveness . 

Under the instruction of FedLoan Servicing, I submitted a retroactive waiver to remove my in-school deferments from XX/XX/XXXX onward. Despite calling XXXX and receiving confirmation of waiver receipt and assurance it would be applied to my account, it was not. I submitted a second waiver in XX/XX/XXXX, which was marked as approved XX/XX/XXXX by XXXX. However, I continue to have two periods of in-school deferment status on my account per both the FedLoan Servicing website and the Federal Student Aid government website, and the payments made during those periods have those been made ineligible for the PSLF service. 

Additionally, a prior period of in-school deferment is now showing as a status of administrative forbearance. During that period, I qualified and made payments of {$0.00} per my income-based repayment plan which should also count towards PSLF but are still marked as ineligible due to the erroneous forbearance status. 

If these incorrect statuses were updated appropriately as they should have been over XXXX  years ago, I would now qualify for public service loan forgiveness as I would have made XXXX qualifying payments. I have faxed and uploaded to the XXXX portal letters describing the above errors over the past several years and have called in XX/XX/XXXX and again in XX/XX/XXXX to see what additional information is needed from me to correct this error. Both XXXX customer service representatives have provided incorrect information : either that they could not view this information in my account, and that they could not remove the in-school deferment status despite the approved removal waiver. They also could not tell me why I had a period of administrative forbearance and offered no rectification even if provided with evidence of loan payments during that period.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

On Thursday XX/XX/XXXX at approx XXXX, I got a call from XXXX XXXX XXXXXXXX. The call started with we are getting ready to file a judgment against you. I asked for what. They told me I had a Chase Bank charge card from XXXX - XXXX ( I NEVER had this card ). As soon as I explained to him that they nerver read me the required mini mirandas, and that they are threatning me with a lawsuit on an out of statute debt, a debt I never had in the 1st place. They put me on hold, then hu on me. This is their company URL https : //mathews2mathews.com/
Consumer complaint received 2022-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

I went on a Covid forbearance with us bank home mortage on XX/XX/XXXX thru XX/XX/XXXX. I attempted several times unsuccessfully to refinance the original amount of {$9800.00} in XXXX of XXXX through the loss mitigation department at us bank home mortage. Since then I have been yelled at, hung up on, lied to and disrespected by the young female employees of the loss mitigation department at us bank home department when I tried several times to make the payment arrangements that I told would be no problem to do my refinancing for my Covid forbearance mortage loan amount. I have also been harassed abs threatened by this mortage company who their workers falsely told me while worrying from their personal homes for us bank home mortgage that I would be in jeopardy of losing my home if I dont pay off the full amount that I owe for the Covid Forbearance period. They treated as well as not a good customer of XXXX + plus years with my current home mortgage loan with us bank but falsely accursed me of just refusing to pay on my home loan workout accurately acknowledgement that my loan was under an approved worldwide Covid pandemic forbearance!