davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

My complaint is about Mr. Cooper, AKA Nationstar Mortgage. In the spring of 2020, we applied for and received forbearance due to the pandemic. Our trouble started when we began trying to bring the loan back out of forbearance. First, we could not get a straight answer about what kind of repayment plan we were entitled to. After a couple of months we got a modification plan approved and submitted three test payments. At that time I submitted an additional payment online to cover an outstanding escrow amount, so that it would not be rolled in to the new principal amount of the loan. This payment vanished into some kind of " unapplied funds '' and was perhaps applied later, though we have never received a detailed accounting of this. 

Then in XXXX we were sent the papers to sign for the reconfigured loan. We signed and returned them immediately. We received some texts and robo-calls which my phone filtered as spam, with no messages left. There were no account messages nor emails during this time. Because I was receiving multiple calls from the same number I decided to call it back, and it turned out to be Mr. Cooper. They told me I had an amount due to " book '' the loan modification and the agent told me that it was to cover escrow payments. I asked him to tell me where my unapplied escrow payment had gone. He said he would escalate the matter and get back to me. He never called back. From this point in the story I am attaching my note log. Currently it is XX/XX/XXXX, we have sent our XX/XX/XXXX payment on XX/XX/XXXX, it was again listed as " unapplied funds, '' and we continue to get dunned about payment of the XXXX bill. Throughout the process I can never get a straight answer, and seldom get the same answer from two different representatives. And, this matter of the " unapplied '' funds that I have sent to them is inexcusable. 

Also, I never have spoken to the same customer service agent twice. Each person gave me different advice. XXXX in XXXX let me know that people in Customer Service are trying to be helpful but really shouldn't give advice outside their scope, as I had gotten steered wrong a couple of times. Furthermore, I was only able to call XXXX in Escalation back because I captured her direct number when she called me back. Theoretically there is a person in customer service called XXXX XXXX who is assigned to this account, and each time I have called I have first been routed to his voicemail, which always says he is not available. Any time of the day or night, not available, over an 8-month period. Frankly I suspect that he is a fictitious person, set up to make me feel some kind of " personal touch. '' I can't help but feel that if there really was a single point of contact, that person could have shepherded this situation to a satisfactory conclusion much sooner.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (OK)

Around XX/XX/XXXX we were residing at XXXX XXXX XXXX, owned by XXXX XXXX. During this time our apartment had begun to leak large amounts of water when it rained. Eventually it resulted in us having to call the fire department. This problem was never resolved. After repeated contacts to a XXXX XXXX who did eventually offer us another sub par unit, we moved out. XXXX  is now over a year later attempting to seek money for their flooded unit, using deceptive and dishonest methods. Just yesterday XX/XX/XXXX A Mars 's Inc here in XXXX contacted us trying to collect XXXX, I then called XXXX, and spoke to a XXXX XXXX. She informed me the fees were for cleaning, breaking our lease, and so fourth. She later had to call back because she discovered what I had previously claimed was true. So she now has informed Mars Inc that we allegedly owe {$360.00}. XXXX XXXX according to XXXX XXXX has left the company, and no longer works for XXXX XXXX XXXX. However I am very careful to keep all Emails and Pictures, including the one where XXXX XXXX offered us another unit, and all the emails where she talks about having the roof professionally fixed, but never did. I can't express how disgraceful XXXX XXXX XXXX and XXXX XXXX actions are, we are under no obligation to rent from XXXX XXXX XXXX and had discussed moving multiple times, it is clear that Mars Inc has been hired out of retaliation after XXXX XXXX left, because XXXX is mad that we left.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AL)

On XXXX XX/XX/XXXX, I bought two tickets to the XXXX XXXX XXXX in XXXX, TN and purchased the tickets online through XXXX XXXX XXXX. The tickets were for seats XXXX and XXXX in section Tier Front, row XXXX  and the purchase price was {$270.00}, which was charged to my Chase Freedom card on XXXX XX/XX/XXXX. Because of COVID19, the show was postponed several times and was finally rescheduled for this Sunday, XXXX XX/XX/XXXX. Because we has a trip scheduled for XXXX XXXX, I requested a refund from XXXX XXXX XXXX, which was denied because the show had been rescheduled, and was advised by the company to try to sell tickets via stub hub, which I did, but without success. In the meantime, the trip was canceled, again because of COVID, and I was happy that I would get to go to the show. I contacted Secure Box Office and it assured me the tickets were good, but I contacted the XXXX XXXX XXXX XXXX ( XXXX  ) and called them. XXXX told me that there was no record of me having tickets for the show and that other persons had purchased the seats that I had reserved. XXXX had XXXX XXXX XXXX listed as a scalper and told me that I would likely not have success in contacting them. I have tried to call XXXX XXXX XXXX, but just get a recording. The company is obviously a scam and I have not hope of getting a satisfactory answer from them. Since I did not receive the product that I ordered, I contacted Chase to dispute the charge, knowing of course, that the charge was well over 60 days old. Chase refused to accept the dispute because it was old, but I explained that, because of COVID, I could not have possibly known that the tickets were not valid until now, Indeed, I could have just shown up at the XXXX on XXXX XXXX expecting to have seats and found out then. It was only because I was proactive that now know not to bother to drive to XXXX. It is clear that there was a billing error ( A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction ) on my XX/XX/XXXX statement from Chase, although I could not have possibly known about the error within 60 days ( due to COVID ) of the statement date, as required by law. Is there any recourse at all to get my money back for the purchase?
Consumer complaint received 2022-09-01
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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 2021-08-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (MA)

There is a collection reporting in my credit that was just reported that is a result of Identity theft and someone using my personal information. 

I tried reaching out to the company and letting them know and also disputed the account with XXXX  and they continue to try to collect and damage my credit. the account number is CAPIO PARTNERS LLC Original creditor : XXXX XXXX {$590.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$590.00} {$590.00} Payment Info Original balance {$590.00} Balance {$590.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments Account information disputed by consumer Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2021, I logged into my Synchrony Bank Home credit card account. I opened this card to finance new beds, and at the time I had excellent credit. I received a promotional offer, wherein I do not have to pay interest if paid within 5 years. I have made the last 12 payments on time, and above the minimum required, in order to pay it off within the promotional time frame. My issue is that when logging in today, I notice that for the SECOND time in less than 12 months, the bank has reduced my available credit limit. Normally, I wouldn't care, because this card is specific to one store, and I won't be using it again once I pay it off. My complaint is that while I'm paying it off according to the terms, they are reducing the credit limit, which hurts my credit score. I have been financially impacted by COVID-19, so my overall credit has taken a hit along with millions of others. Why do they think it's ok to reduce my credit limit, when I have not demonstrated negative behavior with their credit line? I understood the first time they did this. They sent a letter to notify me, and I wasn't pleased, but I understood that my overall credit health can have a negative affect on current open credit lines. Now a few months later they are doing it again. I get no benefit from paying this off if they constantly shift the available credit line, since it makes it look like I've maxed out this line of credit. I'm in a lose lose situation, and it isn't right that this is allowed. The company said that there is nothing they can do, and will continue to assess my credit account every 3-6 months and reduce my limit as they see fit. These actions contribute to holding me back from building my credit back up from a set back in the first place. After my call in to them, they made it clear that the only thing they look at is my credit score, not my history of on time or early payments with them. Even though I have a perfect history with THEM, I'm being penalized for other areas out of my control, after the fact and without much notice. This last credit decrease occurred on XX/XX/2021, the same day they say they mailed out the notice. I still have not received any notice of credit limit decrease, I just happened to log in to my account and see it.
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. 
The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( XXXX ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. 
Be advised that verification is defined ( XXXX 's XXXX XXXX, XXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 
The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.

The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
Consumer complaint received 2022-10-16
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

On my XXXX Credit report is showing two credit cards that are not mine. 
Both are with CITICARDS CBNA One was opened on XX/XX/XXXX with the credit limit of {$11000.00} Other was opened on XX/XX/XXXX with a credit limit of {$16000.00}
Consumer complaint received 2022-08-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX ). XXXX XXXX Bank ( XXXX ) Account # XXXX XXXX ). XXXX Bank ( XXXX ) Account # XXXX Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-16
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. (SC)

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : milestone gold XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

The morning of XX/XX/XXXX we reported XXXX unauthorized XXXX disbursements, we have never used XXXX, to people we don't know, XXXX for {$950.00} on XX/XX/XXXX and XXXX for {$960.00} on XX/XX/XXXX. We did not authorize these disbursements. This was not a scam. It was fraud. On XX/XX/XXXX we were told by the Wells Fargo fraud department that these funds would be restored to our account in XXXX  days. Since then we have had numerous phone conversations with Wells Fargo without satisfaction. 

On XX/XX/2022 we sent a Certified Mail Receipt letter outlining our complaint with our account number and claim number to XXXX XXXX, XXXX & XXXX Wells Fargo Bank. We have had no response.
Consumer complaint received 2022-08-16
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. (FL)

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. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, XXXX XXXX
Consumer complaint received 2019-01-31
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. (FL)

Date : XX/XX/XXXX To Whom It May Concern, XXXX, Experian and XXXX  are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XX/XX/XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on XXXX  and Experian 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Reporting on XXXX, Experian, and XXXX 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on XXXX, Experian, and XXXX  1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX XXXX. Balance of {$1200.00} incorrect