davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I am writing to address a severe issue of identity theft that has recently come to my attention. An account ending in XXXX, linked to Amazon XXXX Credit Card, was opened using my personal information without my consent. I unequivocally state that I did not authorize the opening of this account. This letter serves as a formal demand for immediate action. 

Details of the Fraudulent Account : Account Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Outstanding Amount : {$1500.00} Assigned to Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Georgia XXXX . 
Phone : ( XXXX ) XXXX Purchase Date on Account : XX/XX/XXXX My SSN ( Last Four Digits ) : XXXX Given the information above, it is evident that this account is a result of fraudulent activity. Therefore, I insist that Chase Bank immediately close this account, absolve me of all associated charges, and expunge all information regarding this account from my credit files, credit history with XXXX and credit reporting agencies.. 

Enclosed is my Identity Theft Report [ FTC Report Number : XXXX ], substantiating the illicit use of my identity. Additionally, this letter, along with the Identity Theft Report, serves as a formal notification under the Fair Credit Reporting Act, mandating Chase Bank and the associated collection agency to cease reporting and furnishing information resulting from this identity theft to any credit reporting agency. 

Also enclosed is the CFPBs Notice to Furnishers of Information, outlining your legal responsibilities in this situation. I expect a comprehensive investigation into this matter and prompt corrective actions. Please inform me in writing about the steps you have taken to resolve this issue. 

In addition to the actions requested above, I require a written confirmation from Chase Bank stating that : The fraudulent account is not mine. 
I am not liable for any debts or charges associated with this account. 
The account has been removed from my credit report. 

In addition to this complaint, I have mailed out a letter with enclosures via certified mail as well.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX  XXXX pm. I deposited cash into an atm. It was all XXXX but I was not able to count how much there was, it was below XXXX bills though but more than XXXX. 
I put in the cash and the ATM took a long time loading and then an error screen came up. The atm shut down, and printed out a receipt, but it did not count how much money I put in. 
I called the claims department on the receipt the machine printed, and they gave me a XXXX dollar claim since thats what was settled on the amount. 
On XX/XX/XXXX, they took away the claim and when I called they said they closed the case after 2 thorough investigations. I went to the branch on XXXX XXXX XXXX XXXX IL to speak to the manager and see what my next possible steps are. 
The manager was absent today but the claims department told me to contact XXXX to attempt to get the footage myself. However when called, they said it would be better if chase called for their machines.
Consumer complaint received 2023-12-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

I have a small claim case with a future hearing date scheduled with the original company who sent this claim of debt to a collection agency. Invoice totals and final statement totals are not equal. An additional arbitrary and unexplained amount was also added to final statement. 

XX/XX/2023 - Received email notice of an attempt to collect a debt XX/XX/2023 - Replied via automated system that I was disputing the accuracy of the claim. 

XX/XX/2023 - Sent dispute via certified mail requesting accuracy of the claim. 

XX/XX/2023 - Received notification that a derogatory claim on XXXX.
Consumer complaint received 2023-04-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance {$84.00} XXXX XXXX XXXX XXXX Balance-
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WV)

I file this complaint concerning MOHELAs deeply troubling and flagrantly contradictory actions regarding my XX/XX/2024, payment, which was withdrawn from my bank account. By email dated XX/XX/2024, which I have attached to this complaint, MOHELA informed me that my account had been placed in forbearance to allow Federal Student Aid to fully implement the SAVE income driven repayment plan. The XX/XX/2024, MOHELA email specifically states that I would receive credit toward IDR forgiveness and Public Service Loan Forgiveness ( PSLF ) for the month ( s ) covered by the forbearance, assuming all other requirements are met. The email further states that [ y ] ou will be removed from the forbearance once we are done applying to your account any additional SAVE benefits for which you may be eligible. We will then send you your next monthly billing statement at least 21days before your next monthly payment is due. And yet, despite the XX/XX/2024, email on XX/XX/2024, at XXXX XXXX, I received the attached email from MOHELA indicating that a monthly payment in the amount of {$220.00} would be withdrawn from my bank account on XX/XX/2024, through Auto Pay. I have attached a billing statement dated XX/XX/2024, for the XX/XX/2024, payment. While the billing statement is dated XX/XX/2024, the statement did not appear in my MOHELA inbox online until XX/XX/2024, per the attached .pdf. Thus, I received my billing statement TWO DAYS before my scheduled due date despite MOHELAs written assurance on XX/XX/2024, that my account was in forbearance and despite MOHELAs written promise that I would receive a billing statement AT LEAST 21 days before my next payment is due. I do not see how MOHELA 's actions are legal. Even if the XX/XX/2024, date is considered ( which would be improper ), it is still far less than the required 21 days for sending a billing statement ( it would amount to a mere five-day notice of a payment due and owing ). I DEMAND an immediate return of the {$220.00} that MOHELA wrongfully withdrew from my bank account on XX/XX/2024, and for XXXX of XXXX to qualify for PSLF and IDR forgiveness per the XX/XX/2024, email. My ID is attached.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the existence of an account that has appeared on my credit report. After a thorough review of my credit history, it has come to my attention that an account listed under my name is not mine and was opened fraudulently without my knowledge or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. I also understand the importance of complying with the law regarding identity theft disputes. I have filed an official report with law enforcement agencies, and I am prepared to provide any necessary documentation to support my claim. I trust that your bureau will handle this matter in a diligent and lawful manner, and I expect a resolution that removes the fraudulent account from my credit report, allowing me to regain control of my financial standing and peace of mind.
Consumer complaint received 2023-04-22
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. (KY)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

We got accepted for a grant of {$50000.00}, we also applied to PA housing finance agency for a rescue bridge loan, combined together it will bring the mortgage back on track. Unfortunately we have reached out to our servicing company for months to send a complete breakdown of the total due ( escrow/ insurance payment, breakdown of all legal fees, ) PAFA requested that in a reinstatement letter to move forward with the loan. We have made numerous calls and emails since XXXX and to this date ( XX/XX/2023 ) no response from servicer and their Attorney. I have called and emailed their attorney to no avail!!! Company is giving us the runaround, we explained that we needed that letter to get the loan and the Grant. We also told them that we had to get another hearing because of their negligence we got denied for the loan and lost the {$50000.00} grant that we worked so hard to get. If they wouldve given us that letter with all the breakdowns we couldve been back on tract and moving forward with our lives and our home. Because of their negligence we are about to loose everything. We even had the Atterney that was appointed by PAHF for the disbursement of the grant reached out to the servicer Attorney via email and he as well never received a response back for months now!!!! We did everything right to move forward but now we are about to loose our home because of their negligence. We also questioned the hight amount due ( $ $ $ ) for legal fees that makes no sense to us and the grant attorney. Theres a cap on legal fees, under act 91 and act 6, its extremely concerning that the amount is over {$12000.00}. They still havent responded to our demands, they avoid our request for a breakdown of those legal fees. Please help us get this investigated, this company needs to get Audited. We did everything to resolve this issue and are getting ignored. I have full proof of their negligence. They will make us loose our home. If you need proof I can email all communications from myself, the grant Attorney XXXX XXXX ( XXXX ) and XXXX XXXX ( PAFA ). Please feel free to reach out to me, this is time sensitive. My husband is a XXXX Veteran & served his country with pride, now we ask that his Country will help him back in return. Thank you
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-22
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$21.00}, XXXX XXXX XXXX XXXX Balance : {$12.00}, XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX  XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : -
Consumer complaint received 2020-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MN)

In 2013 I had joined the XXXX and signed up with a different bank, at the time I had gone into the local wells fargo branch, emptied my account, and cleared all debt/anything owed to wells fargo. A couple of years later I was applying for a mortgage and was told that wells fargo was docking my credit score every month. I went into the local branch and they had told me that I had a charge for like XXXX , they couldn't even tell me what it was for, nor when it was made. As I verified with the bank teller at the time of closing my account, that all debts had been settled. I was never contacted a single time to collect a payment, no phone calls, no emails, no mail, nothing. I just paid a credit repair service for over a year at XXXX $ a month to fight this claim. Wells fargo has continued to deny removing this negative item off of my credit report.
Consumer complaint received 2023-04-22
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA

section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

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

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-07-28
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. (NJ)

On about XXXX, 2019, I pulled my credit report and found out multiple accounts that did not belong to me, knowing this I filed a Police report regarding Identity Theft issue and started disputing the incorrect information. I have been disputing wrong information on my credit report for about 1 YEAR. As of today 's date, a new collection account just showed up on my credit report, account that was not there before and actually never been there. 

That account definitely does not belong to me.
Consumer complaint received 2023-11-16
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. (GA)

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 Better Business Bureau, 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.
Consumer complaint received 2023-11-16
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX 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 2023-11-16
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NJ)

Hi, On XX/XX/20 I contacted Amsher to settled a debt. On my credit report due to buy a home. I spoke to several persons before u spoke to the manager XXXX XXXX. During the time XXXX and I were on the phone she sent me an offer letter in which the balance was {$420.00}. I sent a pay for deletion letter and XXXX confirmed she got my letter and I submitted this payment immediately. On XX/XX/20 I received an notification from the credit bureau that my file was updated for a new balance of {$410.00}. I called XXXX immediately and the representative stated she never told me she would delete this information. I think I was very misled and lied to and that is very unethical. Please looks to this matter. I do have emails to prove this took place. Please look into this matter. Thank you!
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It has been more than 52 days since I sent a letter to transunion ( the only agency to not respond ) to remove/opt me out of reporting certain information. I have reason to believe that this predatory company is continuing to report those accounts because they make money on it. If they do not remove the following accounts I will want to see the accounting records as I should be making money out of my information as well. The accounts goes as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional to opting me out of reporting those accounts pursuant to 15 U.S. Code 6802, they are reporting the following account incorrectly, XXXX XXXX XXXX. They are reporting it as a repossession while the other consumer reporting agencies are reporting as Paid/current. Transunion does not want to do their duty as a consumer reporting agency and its clear that this company needs to be shut down.