davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MA)

The mortgage company Mr Cooper is saying our loan is in default and in pre-foreclosure. We have been trying to resolve problems with our property taxes and escrow analysis since our loan was transferred to Mr Cooper from XXXX in XX/XX/XXXX. For the first year Mr Cooper held our mortgage, they did not pay our property tax bills. In XX/XX/XXXX, they paid the past due taxes of {$2600.00}, and conducted an escrow analysis using {$3700.00} as our annual tax bill. Our actual property tax for XXXX is {$1600.00}. Our monthly payment ballooned from {$1700.00} to {$2200.00}. We contacted them immediately and informed them we would be paying principal and interest amounts only until the escrow calculation was corrected. Because of how they apply payments, they consider our mortgage past due {$3100.00} since XX/XX/XXXX. Every phone number we have found for them goes to their general customer service reps who have no power to do anything, they take notes and say someone will get back to us. Someone named XXXX XXXX XXXX is supposedly our " mortgage specialist '' but we have no way to contact them. The only calls we receive are about collecting money they think we owe them, so then we need to explain the issue all over again with no resolution. Instead, we have received 4 letters about foreclosure.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I got the above message from an unknown number : JP-Morgan Chase : Did you attempt a payment of {$540.00} at XXXX XXXX XXXX To decline this payment visit : XXXX XXXX XXXX? XXXX Upon clicking that link it took me to the chase website where I was asked to login. The login had to be validated by using an otp which I got from chase .. but unfortunately this otp was used to authorize a money transfer. 

Once the money transfer was authorized, I immediately called chase to report what had happened. Since this is not something I voluntarily provided. Since it happened surreptitiously using the chase website and authorization system, I feel the problem is with chase to not provide any protection for such sophisticated online scams. 

Also, international money transfers can be cancelled within 30 mins but chase failed to do that. I called them within 15 mins of the transfer getting authorized. Infact the first agent I spoke to couldn't even see it in his system since it was that early and yet chase couldn't help me with either the cancellation or the recall. 

I have lost trust in chase since a lot of people can fall prey to such sophisticated tech scams and their inability to protect customers or up their tech is disheartening.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

attached is the XXXX XXXX XXXX XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OR)

Keep receiving calls from MCM, I have asked several times for them to us USPS they have not. They have sued me before for a credit card debt that was for {$75.00}. They garnished me for over {$1200.00}. I have blocked their calls several times and they just use different numbers. I have now just told them it is not my phone number. I believe the original debt was for less then {$150.00} from 2016, as the credit card limit was {$250.00}. 
Please help. 
I have attached screenshot of calls from the last to months with their company calling on their business number. I have many more from private phone numbers.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IA)

Subject : Update of Personal Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. This is the second time I have notified your consent about this issue and this is a direct violation of my rights after you stated in the previous case that all addresses except my legal address have been removed. I will consider contacting an attorney and suing your company if this issue is not resolved properly and promptly. Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

TD bank has charged me over XXXX $ on fees of XXXX $ XXXX XXXX They have my account at XXXX XXXX If I am not mistaken theyre fees start at overdrafts of XXXX $ XXXX, not XXXX XXXX I have tried to work with them but the best they have done is XXXX XXXX They said it is to late to Pay in 2 parts. I have paid them I think over XXXX $ in similar instances
Consumer complaint received 2024-07-27
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-05-23
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. (MO)

This account was charged off on the following date as of XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment. A charge off account should not include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

IC Systems and XXXX XXXX has continued to harass me for a debt not owed. 
This has been removed from a credit report years ago only to show back up on my report years later. 

A salesman called me one day representing XXXX XXXX XXXX. ( I do not recall now what yearn it was ). 
He told me that he could switch me for my then current service provider ( XXXX ) for a promotional fee of some sort. ( I do not recall ). 
He said that he worked directly with XXXX as well and could return my current equipment and switch the service. ( I found out later from XXXX that XXXX had nothing to do with their services. 
A tech had already come out and installed a dish. The dish was not installed at the location the salesperson and I discussed, and I did not have the promotional services as discussed with the salesperson. 
I immediately called cancelled services and requested equipment pick-up. 
On top of the false advertisements and fraudulent sales tactics used, XXXX attempted to withdrawal funds that I did not authorize from my bank account. ( I was able at the time to reverse the charges ). 
I did at one time speak to someone in accounting at XXXX who claimed to make all adjustments needed and resolve the problem. Only to see it on my credit report like a year later. 
I complained and it removed. Now years later it shows up again. 
I am sick of the issue and both the creditor and XXXX XXXX XXXX contention to continue to harass. 
On top of all that< I have not received a collection letter or a phone call from IC Systems since it was removed from my credit report years ago. 
Absolutely negligent and a disregard for people 's rights.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injuries to my credit score. 

Account Name : XXXX Account Number : XXXX. 
In accordance with the fair credit reporting Act public law. Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, a cashier 's check for {$50000.00} was issued to me to close a CD account at Chase Bank and open a new one with XXXX XXXX XXXX ( XXXX ), located XXXX XXXX XXXX from Chase in XXXX XXXX. I opened my new retirement account and didn't think much of it. Three years later, I called XXXX to check on the account, but they had no record of it. I contacted the financial advisor who helped me open the account at XXXX, and he informed me that the check never cleared and didn't go through. I asked why I was never notified or called, and he explained that they had sent a letter, but since I wasn't an active customer in their system there might have been a problem with the generated letter. 

I reached out to Chase about the missing money, but they couldn't find any information regarding the transaction since it had been over three years. They requested that I provide the check for their assistance, which was impossible because XXXX had voided and destroyed it. I asked them for other options, and they inquired if I had a check number. After several years of speaking with the bank and sifting through paperwork, I located the check stub. Chase confirmed that the check was indeed never cashed. 

At this point, I assumed that the issue would be resolved, and they would refund me. they never sent the money and the check was never cashed out, so they still have the funds. However, the check was voided in XXXX, seven years after the issue date, and was never cashed out. I brought this matter to different departments at Chase for three months, and finally reached their internal escalated complaints department. I then questioned why the funds were not sent to the state treasury for claiming, and when I contacted the head office in Ohio for Chase Bank, where all checks pass before being sent to the state, they stated that they had no record of receiving or processing that check or the funds. Unfortunately, they only informed me that they couldn't refund me and that " it's a complicated matter, '' without providing any further explanation or info and are closing the matter. 
I never felt so frustrated for something that seems so simple to correct
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this XXXX XXXX were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.
Consumer complaint received 2020-01-11
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2016-12-04
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar XX/XX/XXXX. Spoke to XXXX. I explained for the 20th time that I am owed 2 months of PMI that would equate to around {$500.00} or {$600.00}. She transferred me to a Supervisor from escrow? After a 30 minute wait. XXXX. Manager in customer service of NS. Said he would follow up with me by XXXX but would call me or email me if he learned something sooner. 

XX/XX/2016 XXXX with Nationstar. Said he could not find my signed form to get my credit for the {$5000.00}. This is at approximately XXXX FL time. Then I talked to XXXX said she was a manager. Said she sent a notice to the dept that handles the {$5000.00} credit to let them know it needed completed. Next I spoke to a PMI manager. Well then she said he stepped out. Said she would call me back in 30 minutes about the PMI. And in a few days she would call me back about the {$5000.00}. XXXX manager of PMI called me at XXXX. Said it 's probably been too long since it happened. Not my fault. I 've asked almost every month. 

XXXX called me again XX/XX/XXXX at XXXX and now said my PMI should not be removed until XXXX but since it 's off now they 're not going to add that back in. He said my payoff has to be at 78 % to have PMI removed. I 'm at 75 %. Sounds like falsification to me. He said the PMI should not come off till XXXX. 

XXXX also said he sees where the {$5000.00} incentive was to come off in XX/XX/XXXX. But he also said he sees where Nationstar requested it from the government on my behalf on XX/XX/XXXX. Something smells fishy These are my notes of just some of the dealings I 've had with Nationstar in hopes of 1. Getting my correct refund for overpayment of PMI and receiving the {$5000.00} credit off my principal. Now there 's a third issue. I made my regular monthly payment in XXXX. I have the confirmation email that was sent to me. But the funds have not been removed from my account I called and spoke to Nationstar and I called my bank and I have sent them three emails and this is still not been taking care of.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-07-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023