davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My wife and I purchased our first Florida home after moving to XXXX XXXX in XXXX of XXXX. We originally used XXXX XXXX XXXX XXXX XXXX XXXX as our mortgage lender. We qualified for a fixed rate conventional mortgage with a principal balance of {$260000.00} at an interest rate of 3.5 %. The total fixed rate payment was {$1400.00} per month. This included {$1100.00} in principal and interest, {$100.00} in estimated taxes, and {$110.00} in hazard insurance. As soon as we closed our loan was sold to Mr. Cooper. Our first payment to them was in XXXX of XXXX. The payment amount and due date remained the same during the initial transition. In XXXX of XXXX we were informed that we had an escrow shortage and that our payment would be increasing. It increased effective XX/XX/XXXX ( date of first payment at this amount ) to a whopping {$1900.00} ( a XXXX XXXX increase ). I have NEVER known a fixed rate mortgage to increase by such an astronomical number. As a result of this absurd increase our funds have run low. We were barely able to pay the payment that we agreed upon when we purchased the residence, never mind their increase. We feel like this is a direct violation of RESPA and very unprofessional as most people in today 's society can not handle such an increase without extreme financial hardship. That is what my wife and I are facing now. We really need your assistance with this matter at your earliest convenience.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

For XXXX and XXXX it's shows that the account is past due 60 days in the amount of over {$1500.00} in which the vehicle was totaled in XX/XX/2023. I've disputed over and over to be told it's correct. XXXX XXXX paid over {$23000.00} on the account in XXXX didn't reflect on my credit at all, then XXXX paid the reminder in XXXX in the amount of over {$9000.00} yet it XXXX and this account is still negatively affecting my credit. My scores had dropped drastically and something has to be done immediately. I've worked hard to get and try to keep my credit good, I was planning to purchase a home before this incident in XXXX. This is ONLY thing that's affecting my credit.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account numbers : # XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # 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 an account without my written instruction
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one changes how they allow you to make credit card payments without warning. They use to allow you to use your debit card as a way to make payments which was instant and hassle free however they got rid of the option of paying with a debit card without warning and now I have to wait 1-3 business days for payments to post which makes manage the money in my bank account annoying because I always have to remember I'm waiting for my payment to capital one to come out. I feel like they did this purely so they could get more interest payments out of me or so I'd have to deal with check bouncing fees associated if I forget I'm wait on the payments to come out my account. It'd be one thing if the payment went immediately into pending status on my bank account but it doesn't.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX, Equifax and XXXX are reporting an unvalidated debt, furnished by XXXX XXXX XXXX XXXX, purported to be owed to XXXX XXXX XXXX XXXX. This account was disputed by me, the referenced consumer, directly with XXXX XXXX XXXX XXXX and this alleged debt was never validated. XXXX XXXX XXXX, along with the aforementioned credit reporting agencies are conspiring together to defame my character, creditworthiness and cause me financial harm and emotional distress. The continuous reporting of this negative and defamatory account is an infringement on my right to privacy as well as damaging to my credit reputation and character. The aforementioned credit reporting companies have a duty to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, per 15 USC 1681. These companies have blatantly disregarded my right to privacy and in the process continue to disregard the Congress 's rules, laws and orders regarding the protection of consumers ' privacy, per 15 USC 6801, 6802, 6821, 16 CFR 313.7. Notice to cease and desist and request for validation of debt pursuant to 15 USC 1692c, 15 USC 1692c ( c ), and 15 USC 1692g were mailed via certified mail to the original creditor and their affiliated parties on XX/XX/ and never validated. Proof of mailing will be attached to this complaint.
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/year>, I transferred a payment in the amount of XXXX USD from my account XXXX XXXX account company of XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, opened with XXXX. JP Morgan Chase Bank was an intermediary bank in this chain, On XXXX XXXX, XXXX  XXXX XXXX XXXX sanctioned under the XXXX Order XXXX. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus,/ can not apply to OFACfor a license that is necessary to unblock myfunds because to do so, I must fill in some data and specifically the date when the payment was blocked. 
Chase Bank via XXXX XXXX Bank XXXX XXXX to clarify if the payment was blocked and reported to XXXX, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for the license required to unlock my funds.
Consumer complaint received 2023-05-05
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. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-05
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

Rewrite long strict message no big words : In my recent complaint, XXXX XXXX, a Compliance Manager from NRA Group, claimed that I owe them money based on their records and information they gathered from various sources. What struck me as odd was his insistence on the need for a police report, as if it would discredit my case. Just to clarify, I submitted reports to any company I suspected of having incorrect information about me, and this action wasn't exclusive to NRA Group. I want to make it crystal clear that, for this specific situation, a police report isn't necessary. My intention was simply to provide a comprehensive overview of my circumstances.

Furthermore, as I've mentioned previously, my address remains incorrect, and I had no prior knowledge of this account. The mere coincidence of someone else in my city sharing my name does not automatically make me responsible for this debt. I'm standing my ground on this I refuse to pay someone else 's debt. It doesn't matter whether it's a small medical debt or not, and even if it won't affect my credit report, I still require evidence or the removal of this from my account. 

To resolve this matter, I demand genuine proof, such as signatures or identification, to validate that I am indeed the individual responsible for this debt, be it a medical bill or any other type of debt. My primary concern remains the confirmation of my identity. 

I must emphasize that the contents of XXXX XXXX 's last complaint seemed perplexing to me. From my perspective, he should be capable of presenting concrete evidence regarding the debt. At present, it appears that he and his company may be overstepping their boundaries with regard to my rights, and I'm meticulously documenting all relevant information.

On a related note, there's a previous complaint that remains unaddressed. There are two significant issues I wish to highlight : 15 U.S.C 1681 section 602 states I have right to privacy 1. In accordance with the Fair Credit Reporting Act ( FCRA ), they are prohibited from sharing information about my account without my explicit consent. This provision is essential for safeguarding my privacy.

15 U.S.C 1681 Section 604 a section 2 it states that consumers report can not furnish an account without my written instructions. While they mentioned verifying information from another source, it remains imperative that they substantiate the legitimacy of the debt and my liability for it. 

In summary, my primary objective is to ensure the preservation of my rights and to insist on the presentation of adequate documentation to substantiate their claims.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I went grocery shopping but got declined for not having any money so I checked my account state ment and found that some one made non Chase ATM withdrawal for {$200.00} at the same time I made a non Chase withdrawal for {$200.00} that's why I didn't notice the change because I thought it was the one I made I live right next door to the place where I made my withdrawal called XX/XX/XXXX and the place the notarized withdrawal was at least a 1 to 2 hour bus ride I'm next to XXXX XXXX California the little shop is far I'm on foot I'm home most times hard to get around anyways I can't be at 2 places at once plus I know the ATMs have cameras I'm tired of being a victim the An authorized withdrawals among other things I had already had all my police reports and copies of data breaches I am effected by
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC. (VA)

I am not liable for this debt with Santander Consumer USA, I do not have a contract with Santander Consumer USA, LP, they did not provide me with the original contract as I requested.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

According to XXXX, which is currently my XXXX  loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because XXXX reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is XXXX.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CT)

I discovered a negative statement on my XXXX credit report from the following company : IC System Inc. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both XXXX   and IC System Inc. on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. 

On XXXX XX/XX/2018, I submitted correspondence to IC System demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. XXXX 's response to previous disputes has been that, based on their investigation, the information provided by IC System would remain on my report. I can only conclude that their investigation consisted solely of asking IC System if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. 

Because of IC System Inc. 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my XXXX credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: GUARANTEED RATE INC. (WA)

Our mortgage company, Guaranteed Rate, is not handling our COVID forbearance correctly and we are now in foreclosure.

We requested COVID forbearance XX/XX/XXXX. They requested paperwork and after going back and forth for several months submitting and resubmitting the same information, they reported us as delinquent to credit agency XX/XX/XXXX. We complained and on XX/XX/XXXX Guaranteed Rate called and apologized, and they said they would reverse the credit impact and put us on the covid forbearance. 

Our mortgage company, Guaranteed Rate, is not handling our COVID forbearance correctly and we are now in foreclosure. 

However, they still have not done that. Now, the forbearance is over as of XX/XX/XXXX and they immediately started putting us into foreclosure proceedings. We called XX/XX/XXXX and we were told that we had until XXXX before we would be delinquent and that we needed to submit paperwork. We have submitted the paperwork they requested, but they continue to ask for more. We did ask to have the forbearance extended or discuss how to repay, but they still have us in the regular forbearance and do not know how to handle this as a covid forbearance. Foreclosure paperwork was posted on our door today XX/XX/XXXX. 

We need help working with them to get this straightened out and make sure our home isn't foreclosed on.
Consumer complaint received 2023-11-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

They have a judgement from the small claims court, but I am unemployed still. They mailed me a application form called permanent hardship, and they're supposed to not contact and report me for 90 days. Yet they mail me and keeps calling me about my debt, even after i told them that i submitted an application, they always say that they will add a note but it seems like they didnt. As of this week, I already received XXXX applications in the mail since last month, i filled out and mailed twice now. I just lost my house, I am homeless, I have no job, my husband and mom in law consecutively died and I am XXXX XXXX XXXXXXXX XXXX. I believe that I should qualify to this program theyre offering and that this debt should be removed and hopefully them to stop calling me.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 convictions of crimes which antedates the report by more than seven years.

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 2023-09-05
Product: Credit reporting 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)

Inquiry - XXXX XXXX XXXX Everything on a Consumer Report is supposed to report " to maximum possible accurac

y '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report. 15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and info
rmation, that this inquiry is a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed by a man or woman under penalty of perjury.