davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

Company is now requesting an explanation for an XXXX XXXX monthly expense that I indicated on my loan modification worksheet. 
When I completed the loan modification worksheet, I contacted my loan servicer, Mr. XXXX XXXX, to ask him for guidance. He instructed me to fill in this worksheet with the amount that I expect to pay for my monthly mortgage payment ( on the mortgage currently owned by Mr Cooper ). Before this process began, I was paying {$840.00} per month on this mortgage, so I indicated that I expect to continue to pay {$840.00} on this mortgage. 
To re-iterate : This property only has one mortgage listed on it. This mortgage was previously held by XXXX, and they sold it to Mr Cooper, who instructed me to list my expected monthly payment on the loan modification worksheet. 

Now, Mr Cooper seems to have forgotten their own instructions, because they believe that my XXXX XXXX monthly expenses are for an additional mortgage, or for a separate property. I have told them numerous times that my only expense is for the mortgage that they currently hold, but they seem unable to grasp this simple detail and continue to ask for information to reinforce their mistaken assumptions. 

Mr Cooper needs to validate and complete my loan modification request ASAP, without further delays, excuses, or needless requests for documentation. They have been provided everything they need, multiple times.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

I never agreed verbally nor signed my signature to any term agreement to buy or purchase any item they said I bought. I dont have any credit but student loans this is fraud and I demand this to be corrected it sounds as though my ssn was stolen. If my personal signature can not be proven I demand this false fraudulent activity to be removed from all three credit bureaus thank you.
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (WA)

On XX/XX/XXXX I disputed a {$2600.00} collections debt on my report to an unknown party Hunter Warfield INC. through XXXX XXXX I do not know this individual and do not owe them any money hence why I disputed. As of XX/XX/XXXX over 45 days later I have not heard back from the debt collector acknowledging or validating the collection.
Consumer complaint received 2022-04-25
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. (NC)

In accordance with the 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1XXXX XXXX XXXX XXXX XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. Equifax - mailed XX/XX/2020 4. XXXX - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called Equifax on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to Equifax 3. Response received from Equifax that does not include the method of verification required by the FCRA. 
4. Dispute letter to XXXX 5. Dispute letter to XXXX 6. Certified Letter Confirmation Numbers
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

XXXX XXXX has been reported a " Dismissed Bankruptcy '' on my credit report since 2016. I have disputed 25 times, contacted US Trustee, BK Court Trustee, Lexis Nexis. Only avenue left is to sue them for a breach of the fair credit reporting act. I was a victim of identity theft which I have substantiated with FTC Affadavit ( notarized ), police reports, letters from city attorneys office, copies of the docket, and they still will not take it off. This is a breach of my rights and is affecting my families ability to buy a home. 

It was Discmissed, as the person never came back, they filed BK to avoid eviction. My name is incorrect, address is not mine, I had pervasive ID Theft and it was fully substantiated this is the only item that remains. Even though it says dismissed, it counts against me as if I fully claimed BK, which I NEVER HAVE>
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received a letter yesterday, XX/XX/2022, dated XX/XX/2022, from Chase Card Services, saying, " After careful consideration, we decided to close your credit account on XX/XX/2022 because your association with Chase credit card, deposit or investment account that was previously closed. '' Chase bank should have explained a reasonable cause to close my previous accounts. I believe chase bank 's action is not fair to its customer financially. The letter was mailed on XX/XX/2022. 

Chase Bank is biased against a particular customer. If I have any issue with my credit history or other reasons, they never issue a credit card to me. Because I called the bank credit card service, they did not come up with any reasonable cause. I want Chase Credit Card Services or Chase Bank to explain the real reason behind closing my credit card account.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

This is a continuation of my complaint ( XXXX ) submitted to Consumer Finance Protection Bureau . The CFPB closed my complaint with the resolution provided by Paypal being that they would grant me a credit of {$1.00} to be able to sell my crypto remaining assets so that my balance would be empty and then I would be able to close my account. I have requested the XXXX XXXX  credit ( see attached ) and Paypal failed to provide me a XXXX XXXX  credit. My balance in Paypal crypto is still under a XXXX XXXX I forfeit any balance in my account so that it can be closed. Paypal is refusing to close this account and keep this balance for no reason. I do not care about the remaining balance. I forfeit the balance. I want this account closed immediately. Please see attachments, showing I requested the XXXX XXXX credit and showing my balance is still under {$1.00} in Paypal account.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/XXXX we received XXXX XXXX XXXX XXXX XXXX credit cards from Chase, which partners with XXXX on their credit cards. We never requested these cards, and if we had authorized them and used them, we would be charged for an XXXX XXXX membership we never signed up for or requested. In speaking to both Chase and XXXX, it was clear to us that this is happening to many other consumers, because both parties kept referring to internal websites instructing them to escalate our issue to a superior if anyone calls to complain, although they all steadfastly denied what they did to us. We have a Chase XXXX credit card that we have held for almost a decade. The cards are not set to expire until XXXX. Chase and XXXX both are conspiring to send these XXXX Rewards Cards to regular Chase XXXX credit card holders without their knowledge or consent, in hopes that we will authorize them and be stuck paying for an XXXX XXXX membership. We get better benefits with our Chase XXXX credit card than we would with the new Chase XXXX XXXX Rewards card, so they are trying to force us into the new rewards card, and into an XXXX XXXX membership we don't want and didn't sign up for. My spouse signed up for an XXXX XXXX trial several months ago, and then cancelled it. XXXX used this as an excuse to send us their new XXXX Rewards card, even though we do not have a XXXX membership, and did not request the new card. They are clearly hoping that many consumers who, like us, hold a Chase XXXX XXXX credit card, will assume this new XXXX Rewards card is just a new card for an existing credit card account. The account numbers on the new XXXX  Rewards cards we received are EXACTLY THE SAME as the account number of our current Chase XXXX XXXX card. If we had signed, authorized, and used these new cards we received today, we'd be on the hook for an XXXX XXXX membership fee and lower benefits and a higher interest rate than is the case for our current Chase XXXX XXXX. Clearly both companies are hoping people like us won't notice the difference and activate the cards. This is blatant account fraud on the part of both XXXX and Chase, and in dealing with both of them on the phone today, it's clear they are aware of what they are doing and colluding together. And now, we have to have new Chase XXXX XXXX cards issued, because Chase invalidated our current credit cards by sending us the new, unrequested XXXX XXXX Rewards cards. We know that thanks to XXXX XXXX and the Trump administration, this blatant account fraud on the part of XXXX and Chase will probably not be pursued, since they are determined to dismantle the CFPB, but this is our record of our attempt to report these two companies for the crimes against consumers that they are clearly conspiring trying to commit.
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (AZ)

I have use carecredit/synchrony bank at XXXX $ for my dental service. I had paid two time XXXX at each time. Now I still owe XXXX left. now, they want to charge me a penalty fee over XXXX $ dollar because it was over due.I have make too many phone call asking them please send me a bill atleast one week before due date even so I wrote a letter to them at my second payment. they never send a bill at all or email as I request. They lied to me when I talk with the manager. He said he send email in spam, but I check it was nothing in my spam email address at all. They also call and hang up on me. they also put me on hold so long while I m at work and kept ask me the same question name address and email address over and over. I am seeking a solution to resolve this matter or else they can report to collect agency which is decrease my credit score.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (NJ)

Concerning my Chase Credit Card They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my chase account. Lateness for XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) Chase card services offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XX/XX/XXXX and was in effect until XX/XX/XXXX. You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to chase credit card services on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has Chase chosen not to respond, it is also past the 30-day period legally for them to do so. On top of that XXXX, XXXX, and XXXX has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO CHASE XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

XXXX Credit Bureau XXXX Credit Bureau Creditor : I C SYSTEM/ Original creditor XXXX XXXX XXXX XXXX  Amount : {$780.00} This unknown debt was applied to my XXXX and XXXX  Credit Profile without my knowledge. I don't know this creditor and Both Credit Bureaus. I have never done business with this company. I Have requested to remove this account from my consumer report yet it has not been corrected.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XX/XX/XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XX/XX/XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of the loans was paid off in XX/XX/XXXX ( see XXXX 1098 issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is  depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX XXXX which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2019 We had to downgrade our accounts at Chase from private client to plus checking. They closed our atm cards even though we have 2 fully funded accounts. Their reasoning was bank error and a glitch in the system. My husband is traveling overseas with no way to access our accounts they could not re-activate his atm even though its their fault. My new atms wont be delivered for 2 days. Chase bank in XXXX XXXX. We were not even notified. They say sorry and get money from friends overseas. They gave me no action
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine -- letters have been sent certified mail and return receipts have been received by me. 

-- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : -- XXXX XXXXXX/XX/2022
Consumer complaint received 2021-05-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AFNI INC. (GA)

I received a letter in XXXX stating I allegedly owe this company money. I have already written a letter early XXXX and they have received it on XX/XX/XXXX at XXXX. I endured a call from this company before the end of XXXX and they have called other relatives last month and this month in XXXX, until now my parent have informed me a lady name XXXX just communicated with her today she's looking for me for a supposedly alleged debt that I have nothing to do about. I have mailed another letter ceasing all contact! If anything mailing is another form of communication I only accept. I don't even know what this company is at all. I don't even know HOW they have my mothers cellphone number.
Consumer complaint received 2021-03-15
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.