davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (NY)

This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this  account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2023, I made a transfer from my XXXX XXXX XXXX XXXX XXXX XXXX to the JP Morgan Chase in error since the that account was closed. JP Morgan Chase has lied to the CFPB and the OCC by stating that they didn't have the money. We have a voicemail from XXXX at the Executive Office stating that they do have our money but now they need permission from the Treasury Department to get it.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo abruptly closed my credit card without any warning and forfeited all rewards accumulated over several months. I was given no opportunity to redeem the rewards after the bank decided to close my accounts. 

I missed to make minimum payment by due to date on the account not due to financial difficulties but due to an ongoing medical issue with a family member that has kept me exceptionally busy for the month and half. Upon learning of the missed payment, I immediately made full payment on all outstanding amount. Prior to this I never had a missed payment with either Wells Fargo or any bank. My XXXX XXXX has been consistently over XXXX.
Consumer complaint received 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

OnXX/XX/XXXX I noticed that my mortgage payment jumped from {$1600.00} to {$1900.00} and I was completely caught off guard. I logged online and only noticed statement headers, so I clicked on each one. InXX/XX/XXXX, First National Bank of Pennsylvania sent a notice stating that I had an Escrow shortage of {$1500.00} and it would be spread across 12 months. Normally, when there's an escrow shortage you have the option to pay. Being that my family is on a strict budget I do not want my monthly payments to be around {$1900.00}. When I called FNB, the representative said I could pay the shortage but my mortgage would still increase to about {$1700.00}. If there's an option to pay the escrow shortage, the customer should be clearly given the right to do so in the notification. Quite frankly, I missed the Escrow notification because it was titled " Statement '' in my online banking and was an oversight on my part. Notifications like this should be clearly expressed instead of hidden. Furthermore, I believe the Escrow analysis to be grossly inflated. My insurance from XXXX XXXX XXXX is paid in full and property taxes only increased by {$50.00}.
Consumer complaint received 2018-12-28
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. (GA)

I'm showing a voluntary repossession with a joint account from XX/XX/2015 on my credit report with XXXX XXXX XXXX that I'm not aware of. I've contacted them to provide my some type of validation to this account ( signed ink or any document proving, I'm the one who got this account ) and they have nothing on file so they tell me not even as much as who else is on this account so I've tried disputing this with both the company and the credit bureau ( Equifax ). This currently has effected my credit in a negative way and all I want is some resolution and to know if I can pursue this through legal actions.
Consumer complaint received 2018-12-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (NC)

I sent a validation letter to the medical debt company Optimum Outcome INC on XX/XX/2018 ( I attached the certified mail receipt ) and I waited to receive a response to show that this debt is mine and I never received a response. Since I never received a response I sent a 609 letter to both XXXX and XXXX on XX/XX/18 letting both beaus know that I sent a validation letter and I didn't received a response and I asked them to either validate the debt or remove it from my Credit Report because it is unverified debt. Both credit beaus responded to my dispute and said they validated the debt and it will not be removed however they also did NOT send me any validation or the steps they took to validate the debt. On XX/XX/2018 I sent a 2nd 609 letter letting both beaus know that this is the 2nd debt validation and explained on the letter that I sent a validation letter and I didn't received a response and I asked them to either validate the debt or remove it from my Credit Report because it is unverified debt. I received a response from both beaus on XX/XX/18 stating again that the debt was validated and again they did not send me any proof. This is not my debt and I have been asking for validation since XX/XX/18 and no one will send it to me. Can this account please be removed from my credit reports. Thank you
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been receiving a collections letter for a credit card that was opened under my name in XXXX. It was used to make several purchases such as XXXX 's, XX/XX/XXXX and to purchase coins. I never opened this account and have never been associated with the address of XXXX XXXX XXXX, XXXX, XXXX  XXXX. I would like to report this as fraud.
Consumer complaint received 2018-12-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CHECK INTO CASH INC. (CA)

Phone call said a rebate available if I reloan with them. First was told {$10.00} by manager then when arrived told {$20.00} by another. When I call day before due was told {$45.00}. I CONFIRMED THAT a second time with the clerk. I assumed mistake made. I called next day BEFORE I left home and was told {$45.00}. I had a ton of paperwork to sign too ; then was given {$20.00}. I protested. Manager callEd her boss. I heard her LIE and said I wanted {$50.00}! She would NOT give me my paperwork back either. I will SWEAR in a court of law and take lie detector test. I was told {$45.00} three times.
Consumer complaint received 2016-09-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

For over two years, I have spent hours on the phone trying to lower my monthly payment. I have been enrolled in many programs that were affordable, but was kicked out of each program upon further review from auditors. 
Navient claimed my co-signer could afford to pay the amount, therefore I did not qualify for the program. 
When I was kicked out of the programs, my payment remained the same - high amount - which I can not afford. 
Navient would send letters stating to call them, as there are many repayment options. I would call, and again, I would be enrolled in programs of monthly payments I could afford - then upon review - was dropped due to my cosigner being able to afford higher payments. 
For over two years, I have received multiple credit hits, ruining my credit. This is my debt, not my co-signers. 
It has been a nightmare dealing with this " company! ''
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (DE)

I had a home builded in XX/XX/XXXX started have problems with the home the builder trued to fix the problems about 10-15 times but the same problems come right back call to get a inspection of the home and the inspection reports States that the home was builded improperly the builder used 2x 4 to frame the first floor instead of the required 2x6 or 3x4. This cause inadequate support of the home also foundation was misaligned when home was constructed I can go on .I have reports done on the home by XXXX XXXX XXXX reports dated XX/XX/XXXX, reports by XXXX XXXX XXXX XXXX, XXXX XXXX called out by XXXX XXXX XXXX companies and a Engineering reports done XXXX XXXX XXXX, XXXX, XXXX  Hired by my lawyer. Why coming to citimortgage is that injury and damages to the value of the property never finish the parking lot no trash pick no Black top on the road .I sent citimortgage all reports Pictures Of how the Community has not been finished how there appraisal of the homes are wrong also your appraiser never came out to XXXX overlook I do believe because we have five homes own by citimortgage that have big problems going on.Citimortgage is not try to help people are going to loss there homes because they cant afford to pay mortgage for homes that not value at the price citimortgage give us for something that knot Complete homes builded the wrong way the builder walked away 6years still have take your trash to the next block to have it pick up citimortgage is just as bad as the builder get taking money from people who by robbed by the builder the city of XXXX and citimortgage all first time buyer citimortgage sent me and my neighbors a letter saying they sympathize with us but citimortgage cant help us this letter came from XXXX XXXX Executive Responses Unit dont care about us .Citimortgage came out to the property and done a inspection and will give me a copy of this inspection reports tell me I have to get my own inspection reports you know XXXX XXXX didnt read anything to say this because I sent citimortgage 5 inspection reports I payed for when people try to call them they tell them we can help you this customer service I send e- mails to XXXX XXXX, Chief Executive officer of citimortgage and XXXX XXXX, chief Executive office of citimortgage me my neighbors never got anything back from them to end this letter a lot of first time home buyers going to lose there homes not because they cant afford because they was taking vantage Of by the builder citimortgage and the City of XXXX I been fighting for 6 years need help!!!
Consumer complaint received 2018-12-28
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: JPMORGAN CHASE & CO. (CO)

I logged into my XXXX XXXX. And its been forever. And i see there is chase bank credit card in my name saying its paid. I never had no chase. ACCOUNT no card nothing i want to put a freeze on my credit. I feel they are still using my credit line!!! Please contact me
Consumer complaint received 2018-12-27
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)

I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

On XX/XX/2018 I attempted to freeze my credit with the three major credit bureaus as a precautionary and preventive measure. XXXX  and XXXX XXXX were not a problem and completed online. Equifax would not let me proceed and required me to call. I talked to two people and they would not freeze my credit. They asked questions such as the month and day the last time I disputed my credit. Like I know that kind of information ... They said I have to send a copy of my social security card and drivers license which I am uncomfortable with doing. My complaint is the other two credit agencies have a process online of controlling my own credit and Equifax is painstakingly difficult.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TN)

I had a credit line with XXXX XXXX XXXX with a minimum payment of {$35.00} a month. In XX/XX/XXXX i fell on financial hardship because I was a XXXX year old XXXX XXXX XXXX XXXX and missed a few payments. In XX/XX/XXXX my account was sent into collections because I could not afford to make the minimum payments.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2018-12-28
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. (CA)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX  XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, NE XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/2018 - XXXX XXXX XXXX - {$21.00} XX/XX/2018 - XXXX XXXX XXXX - {$20.00} XX/XX/2018 - XXXX XXXX XXXX - {$20.00} After agreeing to a XXXX XXXX XXXX store credit card offered by Synchrony Financial and purchasing a sectional, I setup autopay and left my account be. 

Turns out, I was being charged from XXXX XXXX each month and I didn't recognize the vendor nor did I ever sign up for an additional recurring service. The CC I used was explicitly used ONLY for the furniture purchase. 

I disputed with Synchrony Financial CC and they transferred me to XXXX who promptly refunded the charges and cancelled the account but I asked them when and where did I sign up for this and they said upon credit application sign up. - This is egregious and dangerous. There are literally thousands of complaints online in forums, review sites, etc ... about this " service '' and it needs to be shut down. Consumers who don't even qualify are essentially automatically signed up for something they never agreed to because a XXXX XXXX XXXX store rep could've helped them " quickly '' fill out the credit form and left this service checked off without the consumer knowing.
Consumer complaint received 2018-12-27
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. (CA)

I ' am victim of identity theft and I've send according documentation to the bureaus I've sent an identity theft report for the XXXX-XXXX  account # XXXX date opened XX/XX/XXXX. Their are numerous inaccurate information reporting under my name including a wrong social number. I started the dispute with Equifax XX/XX/XXXX and the dispute took more the 30 days. I didn't get a response from neither the company or Equifax. I called Equifax on XX/XX/XXXX to get the result of the dispute the representative said the dispute took more the 30 days and the creditor didn't respond at all so the account got removed, but he also notified me that the creditor is going to report this in the up coming year. I got in touch with a supervisor I told him that under a federal law the creditor has up to 30 days to investigate, 30 days statutes is reasonable time for re-verification of these entries unless you immediately notify me otherwise. It should be understood that the failure to re-verify these items within 30 days constitutes reason to promptly drop the information from my file according to section 168li ( a ). Equifax Should not allow to re-report this fraudulent account, but Equifax is not doing anything about this.They are damaging my credit, is illegal it is up to {$1000.00} per occurrence.

Also pursuant to 15USC section 168li ( d ) of the Fair Credit Reporting Act, they need to notify me when these items have been deleted. I wasn't notified by Equifax nor the creditor for any kind of a result. According to the provisions of 15 USC section168lj, there should be no charge for this notification.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX   XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 Equifax XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX  XXXX XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX XXXX XXXX- Inquiry from XX/XX/2018XXXX  XXXX  XXXX XXXX-Inquiry from XX/XX/2018 XX/XX/2018
Consumer complaint received 2018-12-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coastal Credit, LLC (PA)

I had a voluntary repossession in XX/XX/2017. They sold my car at auction in XX/XX/2017. Every month theyve been adding money to the remaining balance. Everyone of my credit report show different balances from what they sent me after the car was sold at auction.