davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (NY)

I have been fighting with the credit bureaus for several years now about a XXXX XXXX account that was not mine nor did I authorize. It was initially removed from my credit file and then several months later put back on my credit file without proper notification from the credit bureaus with several late payments reported. During the time of my disputing the fraudulent account, I did receive a letter from XXXX XXXX in response to one of my correspondences showing a payment history. I continued to try to get the issue resolved with XXXX XXXX but with no success. I was then faced with a decision to either pay the unauthorized account to stop the late payments or, let the late payments continue to be reported and ultimately have the credit account report as a charge-off doing further damage to my credit. In an effort to salvage my credit, I chose to pay the credit card off to stop the negative reporting. I explained this to XXXX XXXX and I also sent in a fraud affidavit which was also sent to the credit bureaus but to no avail. However, I noticed that there were discrepancies between what the payment history showed in the letter sent by XXXX XXXX and what the bureaus were reporting. XXXX and XXXX have since corrected their error and deleted the fraudulent account but Experian is still reporting it as accurate and verified. Not only are they reporting an account I stated was fraudulent, but they also continue to report a payment history that is different from what the creditor sent me. Lastly, when I decided to pay off the account, I wrote a check out to XXXX XXXX with the stipulation of Paid as Agreed/Never Late. Their acceptance and cashing of the check make it a bound contract. I sent a letter to Experian explaining this along with the canceled check and they still are reporting the erroneous information.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Disputed debit card transaction with Chase Bank on or about XX/XX/2018 with a useless unhelpful individual with case number XXXX. This was for a purchase charged to the account in the amount of {$760.00} on or about XX/XX/2018 from merchant XXXX XXXX XXXX, as per the attached and per my phone call, this charge was paid for with alternate method of cash as per the attached paid receipt. Further, never signed for the purchase nor agreed/allowed the merchant to bill me for this purchase.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (TX)

I started receiving emails about a Chime card that was mailed to me on XX/XX/XXXX and congratulated me on opening a new checking account. I did not open an account with them nor register email address or anything else. I was receiving the emails from Chime to an old email address that was set to forward all emails to my new email account. At first I thought it was scam emails but after receiving more email and researching Chime I realized this was a common issue with Chime. 

When I sent an email to Chime to inquire on the account and how to close it, I forwarded the email that was sent to me however my email to them was coming from my new email account. They refused to assist because I was not emailing from the same account. 

I received an email from Chime that my checking account successfully paid another email account which I did not recognize. 

Upon calling them I was not able to get through because the phone number for the account is required when calling and my phone number did not match. I was able to finally get through a different extension and it was confirmed that a Chime account in my previous married name and old email account was setup and it included my full social security # on XX/XX/XXXX. 

Chime informed me that they would close the account and that I would not be responsible for any charges or any activity and it would also not be reported to the credit bureau.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have disputed an account listed on my credit reports for an alledged collection/charge off. The information across all 3 of my credit reports is mismatched to included different dates of first delinquency, some listing late payments on alledged collection account of 120 days, some listing a past due balance as well as a term limit. The information on all 3 reports are inconsistent. I also requested the Meathod if of investigation and any documents used to verify. All 3 just answered with information verified. How can this be when all are reporting different information and dates.
Consumer complaint received 2019-06-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veripro Solutions Inc. (CA)

XX/XX/XXXX - Ex-fiancee and I obtained a 2nd loan for approximately {$63000.00} from XXXX. 

Loan was transferred to XXXX. Appromately XXXX. 

XX/XX/XXXX - Relationship ended with fiancee. 

XX/XX/XXXX, XXXX Loan was sold to VeriPro Solutions for {$62000.00}. 

XXXX XXXX - Received a lump sum payoff quote letter from VeriPro Solutions for {$51000.00}. 

XX/XX/XXXX - Received a Payoff Letter from VeriPro Solutions while in escrow to sell the subject primary single family residence for {$91000.00}. 

XX/XX/XXXX-XX/XX/XXXX - Contacted the lender to request and negotiate a " reasonable '' payoff amount. They were not willing to be reasonable nor to negotiate since the property was in escrow and in their opinion, there was enough equity for the payoff with no regard to the loan.
Consumer complaint received 2023-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage was initially with XXXX XXXX XXXX XXXX and then sold to XXXX XXXX  XXXX XXXX in XX/XX/XXXX, who appointed Shellpoint Mortgage Servicing as Servicer. My mortgage was under Covid forbearance when sold. New Servicer started demanding payments. I requested a proof that I have a contract with them. They refused to respond to any of my communications ( waiting for the XXXX default insurance claim window to expire ). Then in XXXX I received a demand letter from a law office, I responded with a request for more information - no answer. On XX/XX/XXXX, the default window expired and the Servicer could collect the insurance claim on the mortgage security investment, which they did. Two weeks later they assigned a foreclosing attorney and initiated foreclosure. Only then I received a response from both the Servicer and the attorney - both responses included only copies of the Deed of Trust and a forged last page of the note ( visibly forged endorsements ). I responded again with a request for some more information to no avail. Then In XX/XX/XXXX I exercised my legal remedy and made two payments in full to satisfy the mortgage - Payment # 1 was made directly to the Servicer via a Note for {$280000.00} U.S. Dollars together with an IRS form XXXX and a Settlement Offer letter. As of this complaint this haven't responded, therefore pursuant UCC articles 3 & 9, they have accepted the payment. Payment # 2 was made directly to their attorney via XXXX XXXX XXXX XXXX XXXX with an IRS payment voucher for {$250000.00} U.S. Dollars and IRS form 1099-OID and an Accepted for value letter. As of this complaint this haven't responded, therefore pursuant UCC articles 3 & 9, they have accepted the payment. The attorney then scheduled a foreclosure for XX/XX/XXXX and still refuses to communicate with me and I have not received an answer regarding my payment from the Servicer. They both accepted the payments and proceeded with the foreclosure nevertheless. They both act as f they are above the law and make up their own rules as they go, as if they don't want to settle this situation, they only want foreclosure. I have notified XXXX XXXX XXXXXXXX XXXX about both payments in full and still no response. So far for 6 months the only response I received was a copy of the deed and the forged note. I have sent a RESPA Qualified Written Letter, but I'm afraid they won't answer to that one either. Their attorney 's office told me their attorney doesn't have answer or talk to me because they talk only to other attorneys. This is the most colossal fraud in the history of this country - every time someone receives a bill or a statement, that is an offer to contract based on public debt, it doesn't mean you owe money, because there is no money in circulation in this country, only Federal Reserve debt notes ( IOUs ).
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Re : Request for Blocking and Deletion of Accounts and Inquiries Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) Dear Sir/Madam, I am writing to formally notify you that I am a victim of identity theft and a data breach, which has resulted in fraudulent activity on my credit report. I request that you immediately block and permanently delete the following fraudulent accounts and inquiries from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX. XXXX XXXX XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX XXXX  XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXXXXXX XXXX  - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

In XXXX of XXXX, I received an offer after completing a NON-member ATM withdrawal ( I still have the receipt with the offer on it ). The offer states : " Open a new checking account with minimum opening deposit of {$25.00} by XX/XX/XXXX. Within 150 days of account opening, receive a total of {$2000.00} or more each month in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. '' The offer was for {$300.00} bonus deposited " within 45 days of completing the requirements of this offer. '' I opened the account with the {$25.00} deposit on or about XX/XX/XXXX. While awaiting my payroll company to process and approve the direct deposit, I ALSO deposited some funds via ATM to make sure the account stayed above {$0.00}. 
My direct deposit began on XX/XX/XXXX, ( well withing the 150 days of opening ) and for three consecutive months, at over $ 4000 monthly, I continued to receive these direct deposits. The third consecutive month, would have been XX/XX/XXXX. 45 days later, would have been, the XXXX of XXXX. 
The first calls I made to Wells Fargo, was in XXXX, simply to inquire about HOW to ensure I had opened the correct account and that the promotion was ready. There were no objections, though everyone would tell me that once the requirements are met, it is automatic. On the XXXX of XXXX, ( well after my requirements would have been met ) I spoke with " Dermesh '' simply confirming I WILL be receiving the bonus. He said it would need to be sent to another department, and i received a number : XXXX and was told i would get a reply within 10 days. After waiting with no responses, i called again today, XX/XX/XXXX and spoke with " XXXX '' whom confirmed the conversation, and confirmed i did make the required deposits, and began investigating why no funding was received. When she got back on, the story changed to " you didn't make three consecutive deposits, you missed XXXX. '' My understanding was, and still is, that i had the 150 days as indicated on the promotional offer, to make 3 consecutive monthly deposits. It does not say 3 IMMEDIATE months, rather, WITHIN 150 DAYS. Not only did i start this within the 150 days, i also completed the last deposit within 150 days. Now, no one can even tell me what the 150 days represents, given three consecutive months is only 90 days. This reaffirms that for two months into the promotion, you can make no payments, and still end up with three consecutive deposits within the 150 days. I was sent to file a complaint with " XXXX '', and have no impression that my case will even be heard. simply, a complaint at this time. My complaint number is : XXXX.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
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: Experian Information Solutions Inc. (MD)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had got an email from my XXXX account a few months ago saying it was a security breach, shortly after I got a note in the mail from XXXX XXXX XXXX XXXX, then XXXX XXXX  mail came, a few weeks later XXXX XXXX mail came. All notes were declines for a credit card or loan I didn't do. These are affecting my credit score and need to be removed.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (FL)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX According to FCRA Section 605B ( a ) the Experian 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 2023-07-06
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these inquiries ( A ). It is not permissible to fail to validate these reporting inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion, XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear Transunion, XXXX XX/XX/XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding the following accounts on my credit report : XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXX, SXXXX XXXX XXXX XXXX- Account XXXX XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name.

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX