davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

the mortgage was transferred from XXXX XXXX XXXX to Mr. Cooper in XXXX as the new mortgage servicer and all monthly were made and the account is up to date. 

As such Mr. Cooper without my knowledge obtained the property tax records and added the {$1300.00} tax amount for this year to the mortgage escrow impound. Resulting in the mortgage payment increasing from {$890.00} to {$1200.00} beginning XX/XX/XXXX. Note : ( this home maintained a Homestead exemption due to the previous owner XXXX it was afforded a tax exemption so taxes were not paid ) This new payment exceeds my ability to continuing paying the mortgage. Funds to pay the taxes had been set aside and available since XX/XX/XXXX of which I have the responsibility of paying not Mr. Cooper. 

I have not been able to get a resolution to this issue as Mr. Cooper agents have claimed that I am not an authorized person on the account to access information on the Escrow question and therefore are not able to discuss any account details with me. 

The Letter of Administration for the Estate issued on XX/XX/XXXX from XXXX XXXX XXXX Court was sent to previous mortgage servicer ( XXXX XXXX XXXX  ) in XXXX of XXXX but apparently was not included in the account records received according to Mr. Cooper service representatives. 

The Letter of administration was emailed to Mr. Cooper on Tuesday XX/XX/XXXX and again today with additional clarification as to why they were sent to MR. Cooper. 

I am not in a position to pay a XXXX monthly mortgage payment going forward, I gave Mr.Cooper until Wednesday XX/XX/XXXX for access that they are withholding for and providing an answer on my request correct the Escrow analysis by removing the {$1300.00} tax amount as they are not authorized to collect and pay the taxes. As noted the funds to pay the taxes have been available since XX/XX/XXXX.
Consumer complaint received 2022-08-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (VA)

I bought a XXXXXXXX XXXX financed thru XXXX XXXX XXXX XXXX Chase Bank . On XX/XX/XXXX that loan was payed off by XXXX and another car was purchased thru XXXX XXXX Chase. The old account should have ended on the XXXX and a new account should have started but, on the XXXX chase withdrawal {$470.00} as if I still owed them money. It is now XXXX th XXXX and the money is still not back in my account. Plus money is owed from coverage of the last car policy ending early that has not been payed. I live on a fixed income and need the money returned asap which I explained to several people. Why are banks allowed to hold money until they feel like refunding it and consumers are not. Any bank transaction that take place can be reversed but, they are holding my money without a reasonable explanation in my opinion. I need my money
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX I talked to XXXX XXXX VP at Citizens Bank, about honoring a rate of 3.125 for switching to them. XXXX sent me an email in writing after talking to assure me that my rate of 3.125 would be honored. I was told on the call that I would see points and a cost I had to pay show up, but to ignore it and they'd credit it on the back end. XXXX assured me he'd send me an email saying they'd honor the rate so not to worry about it. XXXX said XXXX XXXX would take care of me and he would fill him in on the situation. 

From there I worked with XXXX XXXX, I mentioned multiple times during calls with XXXX that the numbers were still showing on disclosures and XXXX said XXXX and team was working on it. 

I reached out via email on XX/XX/XXXX after receiving another disclosure showing XXXX in fees I owe for points to lower my rate. This is 2 weeks before closing on the home. In my reach out I asked when this would be addressed. I received a phone call from XXXX XXXX on XX/XX/24 explaining that they would not be honoring what was sent in an email over a month ago, but rather I would be having to pay to lower my rate to the agreed upon amount and encouraging me to explore moving my rate up. 

I've been told there is nothing they can do there is a maximum of 1 % they could credit me, and that I would be left to pay the rest. No one informed me of this, or ever discussed this in writing of via phone call with me until we're 2 weeks away from closing.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

I made a purchase on XX/XX/2019 on a Barclay 's Wyndham Rewards Visa Signature Card for {$190.00} at a website using XXXX with the credit card as the payment method through XXXX. The charge was reflected on my credit card account as of XX/XX/XXXX. On XX/XX/XXXX, after being unable to contact the seller and having not received the item ordered, I reported the fraudulent seller to XXXX. XXXX 's practice is to contact the seller and ask the seller for proof the item was delivered. The seller provided XXXX with a XXXX tracking number showing that something was delivered to a location located in my town. XXXX 's policy is to deny a fraud claim if a seller provides a valid tracking number. XXXX denied my claim on XX/XX/XXXX. As I never received the item and was still unable to contact the seller, I disputed the transaction with my credit card company on XX/XX/XXXX. On XX/XX/2019, I received in the mail a letter from Barclays denying my fraud dispute claim based on the information given to them by XXXX. The letter stated that if I disagreed with the result, I could reassert the dispute within 10 days. I reasserted the dispute via Fax letter to Barclays on XX/XX/2019, which was within the required 10-day period. In the reassertion that I submitted to XXXX, I included documentation provided by XXXX to show that the tracking number was not valid. I then received a letter dated XX/XX/2019 from Barclays acknowledging that I provided information about the fraudulent XXXX tracking number ; however, Barclays stated that they could not resolve my dispute because it was " past time per Visa ruling. '' Upon subsequent calls to Barclays, I was verbally advised that the Visa ruling time is 60 days. 

I provided the proof of fraud within the prescribed periods required by Barclays and within the apparent " 60-day Visa rule. '' It was only due to Barclays delay in responding to the dispute that it was beyond this alleged 60-day required time period. 

I have since made numerous calls to the Barclays fraud department to discuss this issue. Some representative have been outright rude. Others have promised follow-up and call backs from management. However, I have yet to receive any such follow-up or call back. In fact, when repeatedly requesting to speak to a manager or supervisor, I am told that no one is available and that my only recourse is to wait for a call back that never occurs.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, NATIONAL CREDIT ADJUST failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
NATIONAL CREDIT ADJUST  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
NATIONAL CREDIT ADJUST Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2023-06-24
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. (CA)

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. 

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, 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 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 2023-06-24
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. (VA)

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

Equifax XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX - Account NumberXXXX XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX - Account NumberXXXXXXXX XXXX XXXX XXXX XXXX  - Account Number:XXXX XXXXXXXX XXXX XXXX  XXXX Account NumberXXXX XXXX XXXXXXXX XXXX XXXX  - Account NumberXXXX DEPT OF ED/XXXX - Account NumberXXXXXXXX XXXX - Account Number:XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX XXXX - Account NumberXXXX
Consumer complaint received 2022-08-31
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. (TX)

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

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 2022-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. Someone has opened a banking account with Bank of America using my personal social security number, DOB, and using one of my old addresses to set up the account. I did not authorize this account or any other account to be set up and I do not know who is setting up these accounts.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (CA)

I received a letter rom XXXX XXXX  on XX/XX/2018 re my credit report from accompany I have never heard of called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX WITH A PHONE AN website address stating my credit score was XXXX  which I was astonished because I had no idea your credit score could even be that low. plus information that is not correct such as too many inquiries and length of time since most recent delinquency too short I called the phone number and they told me I could order report from them ..but I had to provide my full drivers lis, social security and other information that I feel could compromise my credit safety. 
I feel because their information Is in accurate they caused me to not be able to get credit and improve my credit score but my credit score has  never been that low..ever
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

In response to the complaint # XXXX, Portfolio Recovery is misleading me to believe they are the owner of this account and have the right to collect on this account. Portfolio Recovery is a debt collector and is regulated by the FDCPA, Portfolio Recovery is now trying to present itself as an " creditor '' since they claim they allegedly brought the debt. By definition ; " Creditor '' means any person who was owed a Debt which was not in default at the time it was obtained by such person. When Portfolio Recovery obtained this account it was in default according to Portfolio Recovery, so therefore Portfolio Recovery is no creditor and is violating the FDCPA by trying to mislead me to believe they are a creditor when in fact by definition Portfolio recovery is a debt collector. 
Portfolio Recovery has provided no proof that they have ownership and a legal right to collect on this account. They have not produced the original promissory note with my signature on it. I believe until proven otherwise since I never did business with them and never entered into any contract with them ; I have no obligation to this account and refuse any debt and any business with Portfolio Recovery. 
According to the UCC if Portfolio Recovery is not the holder in due course of the instrument than they can not enforce collection of the debt. According to the FDCPA it is very misleading to claim they have legal right to collect this debt without really having any legal right. Portfolio Recovery never produced any documents that prove this legal right and ownership of this account, such as the original contract/promissory note. The billing statement do not prove my obligation to pay any debt. The billing statements are also in the wrong name, so I'm unsure if this debt is truly mine. 
Portfolio Recovery is a debt collector trying to mislead me to believe they are a creditor which is another violation of the FDCPA and Portfolio Recovery is unlicensed in Nevada and should not be trying to collect any debt from residents within the state of Nevada. In Portfolio Recovery response to complaint XXXX, they never address the illegal activity of unlicensed debt collection. Portfolio Recovery is not licensed in Nevada and needs to cease collection on this account including credit reporting.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

In XXXX I started getting charges that I didn't make on my CITI CARDS account. I reported them and they were taken off my bill. At that time, I was given a new card with a new account number. 
This year ( XXXX ) I started getting the same kind of charges to the account. Companies that I had never done business with or heard of. I reported them to CITI CARDS and assumed everything was taken care of. When I started getting billed for them again, I made numerous calls to CITI CARDS to no avail. During this time, I destroyed the card and cancelled the account. This week I have made 2 calls ( each lasting more than 45 min ) and have been transferred many times, with each transfer the connection gets worse and worse and more garbled. 
The charges were : XXXX {$37.00} and XXXX  {$37.00}. As of XX/XX/XXXX the total billing is XXXX with additional fees. 
Account information : CITI CARDS XXXX XXXX XXXX XXXX XXXX XXXX Account Num. ending in XXXX
Consumer complaint received 2022-08-31
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. (TX)

Ive sent in dispute letters to multiple inaccuracies of accounts thats on my credit report and their has been NO RESPONSE and its been 1 to 2 years regarding these open disputes. Ive contacted Experian ( certified mail, regular mail and phone ) numerous times regarding this and no action has been taken. 
Ive contacted Experian ( XX/XX/XXXX ) by phone and verified that these disputes are still open which was open in XXXX and XXXX.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America charged me {$850.00} for purchases I never made with a credit card that was never delivered to me ( on XX/XX/2022 ). It's been more than 60 days after disputing these charges directly with BoA and they keep charging me with minimal payments and late payment fees. 
All I received was a letter dated XX/XX/2022, informing me that BoA is researching this claim without any update despite several phone calls. I know the FCBA law protects me from making payments on fraudulent charges so I request your help to complain against BoA and get a positive response.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (OR)

Ive called PDM Debt Mediation after receiving a letter of collections for the amount of {$630.00} XXXX for the company XXXX XXXX XXXX and told them that this bill is in Texas and I in Oregon. Ive never lived in Texas and that this is someone else using my SSN.They said to file a police report and with the FTC so this is what im doing.