davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (PA)

Dear spring oak capital LLC Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692 ( g ). This claim is being disputed and a debt validation is requested. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I am merely exercising my right as a consumer. I would like to make note that the copy of the contract you provided never provided clear and conspicuous information in regard to my rights, my name nor is there any signatures provided. A contract should have two signatures. The documents provided does not bear any signatures. Where is the original application? In order to obtain any type of funding a person must complete a credit application. Where is the request for credit? 
However, I was never notified by Anyone that the contract has been in fact been sold to you. Please provide me with proof that I was made aware of the sale of the contract. I asked that you provide me with what was used to verify my identity. The documents provided are contradicting and confusing. They do not verify that this is my debt. Be advised that I have spoken to an attorney and they stated that Spring Oak Capital LLC is supposed to send a notarized document from the accounting department showing the accounting ledger. Yet I have never received such a document from this company. I am simple informing this company that this is not my debt and they refuse to investigate this matter and seems to be in violation of my rights. This is my last and final attempt to clear up this matter before I seek help from a judge. Please if you do the proper investigation you will find that this is not my debt.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX and XXXX XXXX XXXX Ref # : XXXX Acct # : XXXX Property : XXXX XXXX XXXX XXXX XXXX, NY XXXX I am filing this complaint against JP Morgan Mortgage Acquisition Corp. JP Morgan is currently the holder of our mortgage but the servicing is handled by Shellpoint , whom we have also filed a complaint against. I have tried contacting JPM directly but they do not have our loan on file, which is shocking. 
We have just ended a 6-month forbearance on our loan, due to financial hardship, with the understanding that we would be able to defer all or some of our missed payments. When our forbearance ended, XXXX notified us that we could not defer our payments and needed to make a lump sum payment or our account would be in default. When I asked for more information on why we couldn't defer our payments after being told that was an option, the only response I have received is that " our client '' will not approve the deferment. 
XXXX has told me many times that JP Morgan will not approve a deferment on our loan and there is no reason given. I find it an unacceptable practice that we were given an option for deferment at the beginning of our forbearance, but when it ended, that was no longer an option and there was no reason or explanation given. We feel JPM would like us to foreclose on our house and try to sell it for a profit. That is what seems to be happening. We have heard other banks defer full forbearances without any question. I demand an answer and at least partial deferment on my past forbearance.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service (LA)

XXXX XXXX XXXX has opened a charge account a credit card account at this place of business under my name using my social security number and my creditials with out my knowledge without my permission without my consent with out any authority from me he has charged multiple purchases on this account acquiring numerous debt under my credit under my social to where debt collectors are persuing methis criminal has a record has past charges of this type of action I have email documents from a previous court preceding showing his actions and how other court systems in Louisiana Georgia and Texas  has ruled against his actions this is not my account and I should not be held liable for it
Consumer complaint received 2019-07-29
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)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

1st the lender failed to comply with XXXX XXXX when mailing of the 90 day notice jointly addressed to both borrowers in a single envelope. 
A recent appeal presented an issue of first impression before this XXXX as to whether a plaintiff in a foreclosure action may satisfy the requirements of XXXX  XXXX by mailing a XXXX notice jointly addressed to two or more borrowers. In Wells Fargo Bank, N.A. v. Yapkowitz decided XX/XX/2021, the XXXX held that this practice was insufficient to satisfy the requirements of XXXX XXXX, and that the plaintiff is required to mail a 90-day notice addressed to each borrower in separate envelopes as a condition precedent to commencing the foreclosure action 2nd Lender failed to correctly serve my XXXX  Attached is the Original Loan application and deed with the correct spelling of her name. The Mortgage & Note lack standing because the foreclosure if not against my ex-wife, they did not serve her a correct copy they served her a misspelled copy. I did not cause the issue I attached a my loan application with the correct spelling of my name. This was a bad name failure to serve the correct party. 

3rd the mortgagor failed to comply with XXXX XXXX, XXXX & XXXX Finally, I would like a full copy of my mortgage records to be forwarded to me from the lender, which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws
Consumer complaint received 2020-11-20
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: SYNCHRONY FINANCIAL (GA)

A letter was sent for dispute which included an affidavit attached for fraudulent information reporting on my credit file. There are two accounts that are inaccurately appearing on my credit report from your company. According to FCRA 609 you all have the obligation to remove fraudulent information from my credit report. At this time more than 30 days has passed and I have yet to receive a reply or correction on my credit reports. I have contacted all 3 major credit bureaus to correct and they claim you have verified the information but have yet to send any proof of my consent to these accounts.
Consumer complaint received 2022-09-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (WI)

On XX/XX/2022 I called the company to inquire about the status of my complain sent via online portal; was not addressed. I was then told that my car was out for repossession. I explained why and how my payments have gotten behind. I did request as for the same with every conversation that I need to be able to make smaller payments or refinance the loan. I did also request a coupon book be sent 3 weeks prior to repossession and it was not honored. I implied that I would like to make a payment via 1099A process and they refused to accept it. I have acquired a lawyer because of the breach of peace when the vehicle was repossessed. There is also another account that I have paid off and has not been removed from credit report and is still reporting with no balance owed. I was advised to contact the dealership to speak with them about payments and how can i rescind my signature to void out the contract. I was advised that they did not have any information and would not help me with this. now my last major concern is that I was informed 3-4 hours prior that i can pay 1 monthly payment and it will remove the repossession. By the time they came to pick up the vehicle the amount to pay is no {$1500.00} ; which is double the payment plus interest.
Consumer complaint received 2022-04-08
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

The DATE OF LAST ACTIVIITY & DATE OPENED : Are reporting the same date which is, XXXX/XXXX/2019. This is wrong reporting after disputing with the credit bureaus they refused to removed it from my credit report. I don't have a contract with them and they don't have a signature from me.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-29
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)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-08
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. (MI)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-08
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: BARCLAYS BANK DELAWARE (DE)

Dear Sir or Madam : I am writing to inform you about fraudulent credit card charges on my Barclay 's business credit card. There were 26 fraudulent charges from a fake merchant ( XXXX XXXX ) totaling {$12000.00}, beginning on XX/XX/2022 and ending on XX/XX/2022. On XX/XX/2022, I reported this to Barclays immediately upon recognizing the fraud charges. 

I have never done business with XXXX XXXX. I did not authorize these charges. This is a fake merchant with fraudulent charges applied to my credit card. I do not have a XXXX account with the account number listed in these charges ( XXXX  XXXX ). 

Shockingly, Barclays fraud protection did not recognize grossly abnormal charging activity on my account involving 10 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), 7 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), and 6 charges on the same day ( XX/XX/2022 ) again, all for the same amount ( {$500.00} ). Barclays failure to act to protect my account against blatant and extremely repetitive fraud charges is gross negligence and a failure to protect this account holder. 

My attempts to rectify this fraudulent activity have fallen on deaf ears at Barclays. Despite calling every day to ask for help and repeatedly report the fraud charges, each time I am transferred to a department that has me start over with my reporting, providing no solutions nor answers as to why Barclays allowed me to fall victim to this theft, and enacting no remediation. I have called for 8 days in a row and my account still shows all of the fraudulent charges present and the balance due this month does not reflect removal of these charges. 

I am a XXXX that began my house call practice as a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. This Barclays card is my primary business credit card which I place XXXX XXXX+ in business charges on every year for my XXXX XXXX  expenses. This fraud has put my business at risk and Barclays has not done due diligence to recognize and prevent this illegal activity, nor has Barclays provided a timely resolution and correction. 

I welcome a representative from CFPB and Barclays to contact me directly to inform me of the immediate resolution of this fraud and removal of the 26 charges totaling {$12000.00}. Please investigate this matter and help me to correct the billing error.
Consumer complaint received 2022-10-08
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. (GA)

So, I Sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also, according to 15 U.S.C. 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

This is the continuation of complaint XXXX, as American Express told that CFPB they are going to correct the mistake, fraud and issue me {$200.00} credit, not only I did not see the credit, but also, they USPS mailed me another letter dated XX/XX/XXXX from American Express fraud department XXXX I just received it today ; saying that They are not able to find the fraud charge and American Express wants to lie and play game with customer all over again. Please see the attached letter I just received. American Express lied to CFPB. American Express is fraud financial company itself. Please resolve the strange response I received today after they told CFPB they have fraud charge, they credited {$200.00} in my account?!
Consumer complaint received 2022-04-08
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. (VA)

IN accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A Section 2 It also a consumer reporting agency can not furnish a account without written instructions 15USC 1681 602 A States I have a right of privacy
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2022-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-04-08
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, Also, The banks agreed to remove the late payment. I had a family emergency & was out of the country. The banks said they'd give a one time goodwill removal for the issue since I've been such a good customer. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX Date opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXXA XXXX Date opened XX/XX/XXXX Balance {$1500.00}
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, Also, The banks agreed to remove the late payment. I had a family emergency & was out of the country. The banks said they'd give a one time goodwill removal for the issue since I've been such a good customer. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX XXXXA XXXX Date opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$730.00}
Consumer complaint received 2019-07-27
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: JPMORGAN CHASE & CO. (OH)

I monitor my credit daily ok. 
I get updates and credit alerts from everywhere. 
I just got an update on XX/XX/XXXX and again on XX/XX/XXXX that my credit was the same as its been for almost two months it was XXXX. 
Keep in mind I have had no changes OTHER than amounts " decreasing '' from my total debts. 
On XX/XX/XXXX I got an update from the bureaus ( XXXX AND XXXX ) that my credit went down 38 points DUE TO A NEGATIVE REMARK CHASE POSTED ON MY ACCOUNTS. 
I pay Chase on time EVERY MONTH. 
I spoke to Gentleman in the Chase Credit Bureau Correction dept about the error. 
I was given information that the remark shouldnt have made my score go down BUT AGAIN IT DID. 
He also tried to blame it on a " third party applicator '' BUT NO SIR THIS CAME DIRECTLY FROM XXXX  AND XXXX My credit score decreased drastically soley bc of the NEGATIVE REMARK CHASE ADDED TO MY ACCOUNT. 
Chase needs to STOP adding UNECESSARY remarks on my credit file. 
IF IM NOT LATE DO NOT ADD ANYTHING TO MY FILE. 
DONT ADD NONE OF THAT TO MY CREDIT FILE BC IT DECREASES MY CREDIT SCORE DRASTICALLY I'm a XXXX XXXX OK. 
I monitor my credit 500 times a day. 
I'M ADDING PICTURES TO SHOW HOW MY SCORE WENT DOWN SOLEY BC OF THE REMARK CHASE ADDED TO MY ACCOUNT. 
Not even sure why they added that UNECCESSARY REMARK ON MY CREDIT FILE PERIOD. 
THE GENTLEMAN EVEN TOLD ME OUT HIS OWN MOUTH SOMETIMES WHEN CHASE ADDS REMARKS PPL HAVE CALLED IN AND STATED THEIR SCORE WENT DOWN. 
THIS NEEDS TO BE INVESTIGATED INTERNALLY. 
CHASE NEEDS TO REMOVE THE REMARK THEY JUST PLACED ON MY FILE ON XX/XX/2019 REGARDING THAT DISPUTE. 
AND IT NEEDS TO BE REMOVED EXPEDITIOUSLY. 
A DISPUTE WAS FILED BUT IT HAD NO BEARING ON ANYTHING BC IT WAS ONLY FOR {$30.00} AND I NEVER FOLLOWED THROUGH WITH IT. 
IT WAS NEVER PROVISIONALLY CREDITED OR WITHDRAWN FROM MY ACCOUNT. 
IT LITERALLY DID NOTHING. 
Chase may not know that what they are reporting or the words they are using is hurting consumers but it is IF IM NOT LATE DO NOT ADD NOTHING TO MY CREDIT FILE. 
You should be reporting my ON TIME PAYMENTS and THATS IT DONT ADD ANYTHING ELSE OK. 
ABSOLUTELY NO OTHER MITIGATING FACTORS CAUSED MY SCORE TO DECREASE LIKE THAT EXCEPT THAT REMARK THAT WAS ADDED AND AGAIN MAYBE CHASE CREDIT BUREAU DEPT DOESNT REALIZE THE UNECESSARY REMARKS THEYRE ADDING TO CONSUMERS FILES IS DECREASING THEIR SCORES SO NOW THEY KNOW AND THEY NEED TO STOP OR I WILL FILE A LAWSUIT AGAINST CHASE.