davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MN)

Chase I'm filing a complaint After disputing with all three reporting company 12 times and they are not fixing my problem so I have started lawsuits on all three so now I'm disputing direct with you I found a lot of FCRA violation on account XXXX first violation is fcra 623 & 806 B you are not entering the consumer dispute marks on none of the reports after you have verified this account The law states that a creditor must Must enter this information because it CAN NOT REPORT ON THE CONSUMER REPORT. this is a violation of the FCRA you could be sued {$1000.00} per bureau. violation number two you stated that this account has been closed but you are still reporting a monthly payment this is also a violation of the FCRA another {$1000.00} per bureau. so please delete this account asap due to the violation of the fcra The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. chase DO NOT TAKE THIS AS A THREAT BUT I'm sick of dealing with the credit reporting company I'm taking action one down and two more court dates coming up here very soon
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On or about XX/XX/2019 I received a court summons for suit. In the suit it out lines third party debt collector submitted a claim with the XXXX County Civil Courts on or about XX/XX/2019. On the XXXX of XXXX was the first contact and knowledge of any debt Portfolio Recovery was trying to collect. I answered the summons with a request for discovery on XX/XX/2019. The next response I received from this company was XX/XX/2019 two months later. I entered into no legally binding contract with this company and the documents yhey finally sent me are unauthenticated documents that look as if the are doctored and forged. I never enteted into a contract with this company nor have they followed the laws outlined in the Fair Debt Collections Practice Act. I feel as if this company is trying to harass, bully, and  extort money from me for a non binding debt that Portfolio Recovery never notified me about in writing.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (PA)

I FILED FOR BANKRUPTCY CHAPTER XXXX BACK IN XXXX. I WAS BEHIND IN MORTGAGE PAYMENT FROM XXXX. I WENT THROUGH A TRUSTEE TO MAKE PAYMENTS BUT CONTINUE FROM THAT POINT ON TO MAKE ON TIME PAYMENTS TO OCWEN MY MORTGAGE HOLDER. IN XX/XX/XXXX I STARTED GETTING LETTERS FROM OCWEN FOR DIFFERENT PAYMENT AMOUNTS. I TRIED CALLING BUT BECAUSE I WAS IN BANKRUPTCY THEY COULD NOT SPEAK TO ME. MY BANKRUPTCY WAS DISCHARGED IN XX/XX/XXXX. I GOT 8 DIFFERENT LETTERS FROM OCWEN IN XXXX AND XX/XX/XXXX I TRIED CALLING TO CLARIFY NOW MUCH I SHOULD PAY AND THEY STATED THEY COULD NOT TELL ME BECAUSE THEY HAVE NOT RECEIVED BANKRUPTCY DISCHARGE NOTICE. SO IN XXXX I PAID THE SAME AMOUNT AS I DID FOR THE PAST 7 YEARS. I HAD NO FURTHER CONTACT WITH THEM AND I PAID VIA PHONE AND I PAID AMOUNT OWED AS STATED BY THEIR COMPANY. I FIND OUT IN XXXX OF THIS YEAR WHEN I WENT TO REFINANCE THE HOUSE THEY REPORTED ME AS LATE FOR XXXX FOR XXXX STATING I DIDN'T PAY THE POST PETITION AMOUNT. I CALLED THEM ABOUT THIS AND ONE REPRESENTATIVE STATED I MISSED PAYMENT IN XXXX. THEY REFUSED TO REMOVE THIS PAYMENT FROM MY CREDIT REPORT AND I HAVE ALL RECEIPTS OF PAYMENT FOR THE ENTIRE YEAR OF XXXX AS BEING ON TIME. I WOULD LIKE THIS REMOVED IMMEDIATELY AND THE ACTIONS OF OCWEN ARE UNJUST UNFAIR AND VIOLET FEDERAL GUIDELINES.
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KS)

I have disputed it XXXX times and also called the collection card company and they refuse to take it off my report. They said that someone called in saying they were me and they had an attorney. I did n't sign for anything, this is n't my debt, something was bought online.
Consumer complaint received 2019-05-29
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. (AZ)

XXXX ; Experian and XXXX are reporting a 30 day late payment on the XXXX  partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XXXX payment and really this should have been posted as the XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Consumer complaint received 2019-07-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Knight & Hooper, PLLC (TN)

On XX/XX/2019 I sent XXXX XXXX and XXXX XXXX XXXX XXXX a dispute letter disputing the repossession listed on my credit report and requesting all documentation pertaining to the repossession. On XX/XX/2019, I received a summons to appear to court on XX/XX/2019, at XXXX XXXX 

On XX/XX/2019, I contacted XXXX XXXX Attorney who is representing them by the name Knight & Hooper. I spoke with XXXX to see if I could get the court date changed due to me not receiving proper notices and short notice to attend court. I did not hear back from her so I sent a response to the complaint that was filed against me to XXXX at Knight and Hooper via email at XXXX and handle delivered a copy of the response to the complaint to the State of TN , County of XXXX. Next, I sent a SECOND NOTICE to XXXX XXXX requesting the repossession information that's supposed to be provided to the consumer by law. 

We appeared in court and they reset the date to XX/XX/2019 at XXXX. The attorney 's for the plaintiff stated that they had already sent the information out to me but they did not have the correct address on file the first time according to XXXX at Knight and Hooper who verbally stated that all of the information had been sent at the time of collection to the other address at XXXX XXXX XXXX but not XXXX XXXX XXXX. The court stated they wanted to give them an opportunity to send me that information. 

They are attempting to sue me for {$10000.00} plus contractual interest accruing 10 % totalling {$870.00} plus contractual attorney fees {$2200.00} for a total judgement amount of {$13000.00}. 

This is the second attempt and XXXX XXXX have failed to send me the information requested pertaining to the repossession listed on my credit reports.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY (DC)

I open a new account with American Express in XX/XX/XXXXand has made over Four payment which has not been reported to the credit report bureau. 

American Express are not reporting accuracy information to the credit bureau.
Consumer complaint received 2018-08-20
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. (OH)

I am having issues with inaccurate information showing on my credit report my name show be listed as XXXX XXXX XXXX please delete all other variations. There are several numbers on file that are not mine please delete the following numbers : 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. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have never lived at the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2017-09-13
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. (MN)

Equifax failed to properly secure my personally identifiable information, leading to a breach which exposed the information of myself and nearly half of all Americans. The public was not notified promptly, and Equifax executives used this opportunity to sell stock to protect themselves rather than the public whose information they abused. I did not receive any information directly on this and instead learned about it through news reports. Equifax is only offering one year of credit monitoring, which is completely inadequate since this breach will cause security issues forever for anyone whose information was leaked.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

I applied for a mortgage with Chase. I was asked to pay {$470.00} to lock in a rate on XXXX XXXX. I was told this fee would be refunded if Chase did not approve my mortgage at the rate agreed. Days before closing Chase informed me it would charge points for the agreed term. It was also clear that I was not approved and their ability to close on time was not assured. I went with another lender and asked for my money back and they have refused. 
XXXX XXXX misrepresented the fee and that it was refundable if I was not approved. By charging points and delaying processing, potentially making me miss my closing as I was driving across the XXXX caused great stress and I felt coerced, mislead, lied to and was dealt with fraudulently when they emailed and said I could get the fee back. They have manipulated their interpretation. I am enclosing emails from XXXX and I have kept the original emails
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2018-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

On XX/XX/2018, I contacted XXXX XXXX to make extra payments towards the principal balance only on my loan. The representative stated, " it simply was not an option, any extra payments will be applied to both the principal balance and the interest. '' I feel like XXXX XXXX is taking advantage of college graduates by not allowing them to try to get ahead by making extra payments towards their principal balance only.
Consumer complaint received 2017-09-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Chaplain Financial Services LLC (IL)

I received a phone call on XXXX/XXXX/XXXX from Chaplain Financial Services claiming to be a mediation company on behalf of an attorney for XXXX XXXX. They stated that I would be served by a county processor at my home ( I have not lived at the address they have on file since XXXX ) or at my place of employment. I called back to resolve the issue. They stated I received a payday loan from XXXX in XXXX of XXXX. I stated that I was not aware of a loan and I would request bank statements from XXXX. I made a payment of {$110.00} to this company and informed them that I would follow up after I confirmed said loan. I have never received a loan for this amount or from this alleged company ever. I have since disputed the original payment of {$110.00} because the company does not exist and Chaplain Financial Services refused to give me any attorney information and would not send me any written validation of this debt. They also stated that I had a default judgement for this debt, I have never received any correspondence from the alleged original debtor or any subsequent collection agencies. I looked up the number they called from online ( XXXX  ) and saw 53 complaints with the same situation. They have threatened to sue me, they have threatened me with wage garnishment, and threatened to charge me with fraud if any other avenues to pay a debt that does n't exist did not work to their satisfaction.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) TransUnion is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 )  XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.
Consumer complaint received 2019-07-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Hello CFPB, I would like to file a complaint against PayPal for first freezing access to my funds ( {$1700.00} ) in my PayPal Business account. While I am still able to keep receiving payments, I am unable to withdraw or utilize the funds received, secondly any new money being received when sales occur on my XXXX XXXX XXXX, it is also being blocked which currently has a balance of {$2800.00} and climbing, so all together the amount I have frozen currently stands at {$4600.00} and climbing. 

I received an email from PayPal and in looking for the referenced Case XXXX and NOT finding it in Pacer which is a government website that offers Public Access to Court Electronic Records in all the US, ( https : //www.pacer.gov/login.html ) leads me to believe this case if a scam or fraudulent, and that perhaps PayPal was tricked into taking action on my account without verifying the case number was real or doing any due diligence. Because of these freezes from PayPal, I am currently unable to pay my creditors ; I contacted PayPal on the matter of which they had NO information on EXCEPT to reference back to the message and contact XXXX XXXX XXXX, XXXX at XXXX. I have both emailed and called XXXX XXXX XXXX, XXXX and spoke to their secretary and left messages for their attorneys to call me back and have heard nothing back, meanwhile my bills continue to go unpaid. 

I also received a strange message on my XXXX messages guiding me towards representation and I noticed that the message was sent to me from an XXXX account that was created the SAME day it was send XX/XX/2019, increasing the likelihood that it is a SCAM or Fraudulent. 

Below is the Law firm that is supposedly handling the case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX attorney in XXXX, Pennsylvania XXXX XXXX XXXX XXXX, Pennsylvania XXXX Phone : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX XXXX Email : XXXX Website : XXXX : XXXX XXXX : U.S. District Court for the Western District of Pennsylvania Plaintiff : XXXX Court Case Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXl. ; Case XXXX I really need some help with this matter and I feel like I am getting nowhere myself and need your help to stop this abuse on my PayPal Business funds. Thank you and I look forward to your guidance and assistance. 

Thank you!
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, In XX/XX/2018 I received a call from XXXX XXXX credit card stating my credit card bill was 30 day late. Prior to the call I had called XXXX because I was worried I had not received a bill. I was directed to call XXXX. I spoke to someone and they stated I would be receiving a bill in a few days. I had received a bill from XXXX in the past when promotions would alert, if credit card used you will get back 5 % .other wise I would just pay with my dept card. I then logged into XXXX websight for the first time to set up acct. to view for next time. I continued to wait for my bill, so I can set up direct bill pay with my bank. About two weeks I received a call from XXXX bank stating my bill was now late. I stated I never received a bill. The employee stated I was set up paperless billing. I stated I didn't but according to the IT dep. at XXXX the web sight is auto checked when creating XXXX  acct. It auto enters a check mark, if not un-checked you will not receive a bill. The XXXX  bank caller was very understanding about the issue. I made the payment by phone and was also told that the late fee would be waved. I later logged back into XXXX websight and made sure check mark for paperless billing was un-checked. XXXX mo. later I find out it was reported to Experian as a 30 day late. I was never called or alerted that it was late, check marks on paperless billing should not be auto filled. XXXX verified the calls and confirmed recorded conversation but refuses to remove the 30 day late. This is the only bad record in my credit report ever entered in my life. They have ruined my credit for a $ XXXX payment that I never received. I'm reaching out to you in hopes that this can be resolved and 30 day late can be removed from my credit report. Thank you for your time.
Consumer complaint received 2019-07-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Penny Mac is unethical in their business practices ( this is a bold statement ). After retiring from the Department of the XXXX as a Civilian with 31 years of Government services, and 3 years in the United States XXXX ( Veteran ) I have never experienced any Mortgage problems with any loan. The original loan was with XXXX XXXX XXXX XXXX, however, they transferred the loan to Penny Mac. Penny Mac changed my biweekly payment plan, only reviewed my escrow account once ( projection are not in keeping with commercial practice ), and inform me they are a Debt Collection/Debt Collector Company. I have to guess when they will charge my account for the next mortgage payment. By during biweekly payments, they require a month in advance ( why )? Penny Mac computers systems and payment systems are outdated. If you make an unscheduled payment, not for the full amount their systems tell them they can not or they will need more time to make the payment in the computer system or payment system ( when do computers systems tell you how to do transactions? ) It is all about the systems, systems, not the customers. " We are a Debt Collector '' is what they tell every customer on every call, an I mean " Every Call, '' Penny Mac say by-law they have too ( someone needs to look at the Law or change the law ). What is my point? Changing my biweekly payment, and escrow account not being projected. The Fair Debt Collection Act 15 United States Code, Section 1692. 

Thank you for taking the time to read my concerns.