davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX Director of Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear Director XXXX, As director of the Consumer Financial Protection Bureau and as a member of the board of directors for the XXXX XXXX XXXX XXXX, I and tens of thousands of individuals who had mortgages with Washington Mutual N.A. plea, that the CFPB give clarification to the following issue : When the FDIC and JP Morgan Chase signed the Purchase and Assignment Agreement dated XXXX XXXX XXXX that gave receivership to JP Morgan Chase, did the FDIC sell the mortgages that were held by Washington Mutual individually and in securitized trust to Chase or did this simply transfer the mortgage servicing rights to Chase? 
This question is being litigated across the county and JP Morgan Chase has argued both sides of this argument across the country depending upon which argument benefits their interest in a particular situation. 
JP Morgan Chase has argued that they only acquired the servicing rights and not the mortgages as stated in the Purchase and Assignment Agreement dated XXXX XXXX XXXX. The argument is that the mortgages and the mortgage servicing rights are divisible items. This argument was made in " XXXX XXXX XXXX XXXX XXXX vs. FDIC, WASHINGTON MUTUAL BANK, JP MORGAN CHASE BANK and WASHINGTON MUTUAL SECURITIES CORPORATION in a summery motion to dismiss and motion for partial summary judgment page XXXX of motion. Filed in the United States District Court for the XXXX on XXXX XXXX XXXX. Case No. XXXX ( XXXX ). 
Yet, JP Morgan Chase both forecloses on Washington Mutual mortgages and also sells Washington Mutual mortgage notes to Investors, claiming authority being vested to them by the same Purchase and Assignment Agreement dated XXXX XXXX XXXX. Do they need to disclose to note buyers that the mortgage notes being sold are currently either in default or in foreclosure? 
JP Morgan Chase and its note buyers, use the differentiating state statutes to apply their version of the PAA to their advantage. Results have been overwhelming in favor of the note holder.
Consumer complaint received 2021-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (IL)

I signed up. with crypto.com to buy and trade crypto stock. I sold all of my stock on XX/XX/XXXX and has since not been able to retrieve my money back to my bank account. I was forced to transfer all of my money into crypto.com stock as that was the only option given to me when I sold my stock. I Have tried to set up a XXXX XXXX to retrieve my funds but have not been successful, as I was told I cant be verified. Which is strange because It is the exact same information that crypto.com used to verify me before I could trade on their site. 

I have reached out to them many, many times in the chat with everyone giving me the exact same scripted answer. I was told through chat to upload documents my ssn card just recently and before a utility bill by a chat rep. They can not give me a location on where to load documents. There is nowhere to upload documents I believe unless it's requested by XXXX XXXX. None have been requested. 
We are in week two and I still have not been verified. they keep reseting my account stating everything is good to go you should have no problems. I have litterly done that 8xs. 
In the mean time my money is in their stock. I am loosing money as they hold on to my money in their stock. I was told they do this often by the chat rep. So they are Stealing my money for their stock price to go up along with others. I have no way of contacting anyone higher. 
This should be illegal
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX ( Account XXXX XXXX ) XXXX. XXXX XXXX ( Account XXXX XXXX )
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Ive noticed some unauthorized inquiries on my credit report accorded to the FCRA these are unverified and unauthorized items and I would like them to be removed from my credit report.
Consumer complaint received 2024-02-19
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. (IN)

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/year>, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers ke me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2023-06-12
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. (OR)

XXXX, TransUnion, and XXXX, which are non-government for profit entities, has been providing my credit report to other entities without my permission or informed consent, and refuses to stop this practice or delete my account and erase my data when I ask them to.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (ID)

Applied for J C Penny credit card. My social security number was already used by a woman named XXXX XXXX. My application was denied. They would give me no information on XXXX XXXX other than her name. We contacted the fraud department for J C Penny to try to clear the matter up. The girl on the phone said that Social Security office often duplicates Social Security numbers. She did nothing to help. The person working in that department needs to be educated on Identity theft. She said to call our Social Security Office. I have been left on my own to try to resolve this issue.
Consumer complaint received 2022-05-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act 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 instructions.
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (AZ)

I XXXX XXXX does not have any affiliation or contract with United XXXX XXXX XXXX XXXXXXXX United Collection Bureau , Inc . is attempting to collect an allege debt that has not been verified pursuant to 15 USC 1692g. United Collection Bureau , Inc . has not provided any adequate documentation proving their right to harass me about this unknown alleged debt.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX also XXXX -account 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (OH)

I have tried for XXXX days and repeatedly proven who I am and your unqualified and unprofessional staff are keeping me from my own account and discriminating against customer choices and laughing at customers while on live calls. I am filing with the XXXX, XXXX, and a few other agencies and contacting my attorney general 's office as well as the FTC. XXXX had shut my line off before it was supposed to and was on my way home and needed my cards unlocked. I went through all the verification with the associate, then did as he instructed. After the first email, with personal info, then the next email wanting more information provided it as well, then another and added a picture then it was the editing then not sent from the right email/ over and over .. Then after all information was given all questions answered and being laughed at by your employees Still nothing and can't get in my account. will be posting this experience online here at XXXX to warn consumers.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX also XXXX -account 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-17
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. (NC)

There are fraudulent inquiries and inaccurate account information on my credit report! I have disputed this information multiple times and nothing is being done! I feel as though this is an insult against my intelligence and a right being taken as a joke as an American citizen who understands the CFPB laws!! Your credit is your life and this inaccurate and fraudulent information being so easily put out there BUT NOT BEING THOROUGHLY INVESTIGATED is hindering me from a lot of things!!!!
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, have 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 instructions.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

The problem now, is now the mortgaging servicing company. 
( XXXX XXXX  ) Husband and wife requested a conforming 15-yr conventional non-cash out re-fi with XXXX XXXX XXXX ( dba : XXXX XXXX. ) which was processed and subsequently recorded in XXXX XXXX ( AZ ) on XX/XX/2021. We have a complicating issue as the first portion of the loan process triggered this issue with AmeriHome Mrtg. ( AHM ) servicing. To summarize : our loan application has one spouse as the borrower, no co-borrower and the property being placed into our Rev. Trust on recording the deed. XXXX title instructions to XXXX XXXX were in error as they had both parties on the note despite not having a co-borrower listed in the app. I did not catch the error at signing but did confirm the error with an officer of XXXX afterwards. This was an error but one that we can live with and not worth un-doing the note. 
The problem and complaint now is, AHM of XXXX NJ purchased the servicing portion of the loan 30-60 days hence, and subsequently placed an internet ( account ) block on the account. We are not able to see any loan detail beyond the monthly statements. I contacted AHM with in 60 days of the loan closing as we began receiving correspondence etc.. I called and requested online access; was told that a ticket would go in and to give it a couple days. I didn't follow up at that time as we were receiving statements, our payments were being received, and frankly busy with the holiday 's. This month, I called the service number ( XXXX ) on the XXXX as online access is still blocked... the CS agent said to give it 48 hours and she would request access etc. I followed up with AHM 's chat line on the XXXX after another phone call ... a XXXX  @ XXXX XXXX stated that the company was looking for a XXXX from the co-borrower. After a phone conversation and two lengthy chat sessions with AHM on the 13th, and faxing of the requested document... I was told to wait and it would clear by Tuesday the XXXX. I logged in today and the block is still in effect ; I contacted AHM via chat ( XXXX at XXXX am PST ) and she has no idea. Reviewed the notes, asked if I had sent it to the correct fax number ... which I confirmed and copied the fax confirmation data to her. I asked for her to elevate my request so that the block could be lifted... the line was terminated on her end. Good grief. 
I am having difficulty getting anyone at AHM that knows what the process is and will help me get the access to our loan information ; their back office is rotten. I would appreciate if CFPB would lodge a consumer complaint against AHM as I can't be the only consumer having servicing problems with them.
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (FL)

I contacted XXXX but there is only the option to get a copy of the report through an automated system at XXXX. There is not a live representative. I received a denial letter for a company I did not apply with. I have not been employed since XXXX when XXXX impacted employment therefore I have not applied for credit with anyone in the last year. In fact XXXX makes 2 years of me not attempting to obtain credit.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (CA)

I sent a complaint with Experian regarding account discrepancies on my account that were not valid. I sent the complaint 30 days ago, on XX/XX/2022 and Experian failed to reply within the 30 days. According to the FCRA, that grounds for removal of those items on my credit. 

The accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-03-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Adjustments Inc (FL)

This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

in accordance with fair credit reporting act XXXX account # 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 602 A. section 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.