davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

J.P. Morgan Chase sent me a letter in the mail stating that they are choosing to close my account and end the banking relationship. They request I withdraw my funds from my account by XX/XX/XXXX on XXXX XXXX. They did not provide a specific reason as to why my account is being closed.
Consumer complaint received 2022-09-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Upon the federal governments announcement of the ability to freeze my mortgage payments a few months into the Covid-19 pandemic, that is exactly what I did. I had recently returned to the country out of fear of being stuck XXXX without possibility of acquiring a new XXXX. I froze my mortgage payments because of the complete lockdown we were facing. As it turns out, its incredibly difficult to find a job when all businesses are forcibly closed by government mandate. I requested to exit my forbearance plan in XXXX XXXX XXXX. Roughly 5 months after my initial request, my loan was packed with approximately XXXX other VA loans and sold to XXXX XXXX. I was told my process wouldn't be affected and would be completed within 30 days. A full year later a representative from XXXX XXXX informed that nearly all of my documents that had been submitted had expired. Every document they have requested from me has been provided to them with 1 work weeks time. I routinely have waited 2-3 months to receive any information from them regarding my loan. XXXX XXXX serviced by XXXX, has failed to properly retain the documents I have submitted to them, failed to correspond with me regarding my loan in any form of timely manner, and at face value appears to be delaying this process as much as possible in order to prevent me from receiving the VA loan modification I had originally applied for. Their gross incompetence and general disrespect for me as a consumer has me searching for legal help in order to hold them responsible for their actions.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (FL)

I received a Collection Letter Dated XX/XX/2022 from Unifin , Inc. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with XXXX XXXX XXXX XXXX. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by XXXX XXXX about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from UNIFIN about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.
Consumer complaint received 2022-09-25
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. (TX)

On XX/XX/22 i sent a letter regarding inaccurate and undisclosed things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress your causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-25
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: EQUIFAX, INC. (GA)

inacocordance with the fair credit reporting act. The list of account 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 XXXXXXXX has violated my rights . 

15 u, s.c 1681 section 602 A. states i have rights to privacy.

15 u, s.c 1681 section 604 A. section 2 ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

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 items of information, other than records of convictions of crimes which antedates to 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 2022-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (VA)

I received a notice in the mail from Capio Partners stating that I owe " XXXX XXXX XXXX XXXX '' the amount of {$1400.00} for services they claim I received on XX/XX/2020. This is completely false and I have never conducted any business with either of these companies. I have included a copy of the notice I received in the mail.
Consumer complaint received 2022-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NC)

XXXX of XXXX i purchased my XXXX XXXX XXXX model with credit and they took XXXX cash for down payment and also charged me for monthly payments. I recognize thats Wells Fargo is a third party on this auto transaction due to the fact that i am the original creditor and only creditor. i have sent out an affidavit of truth stating my rights on this alleged debt and exercising my rights for payments to be issued back to me the original creditor and for car lien title to be sent to me with remaining alleged debt to be removed on all third party reports.
Consumer complaint received 2022-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My servicing transfer from XXXX XXXX XXXX to Mr. Cooper ( Nationstar ) on XX/XX/XXXX won me a payment increase of 9 %. 
I completed a loan modification with XXXX XXXX XXXX on XX/XX/XXXX that includes impounds for taxes and insurance. At that time my escrow was analyzed and monthly payments for property taxes and hazard insurance were properly calculated. 
Mr. Cooper decided to increase my payment to add 2 months of 'cushion ' and when I called them to ask about my property tax and hazard insurance payments year over year, they told me my property taxes were the same and my hazard insurance decreased. 

Why should I be harmed by a servicing transfer that I have no control over and a new company that wants 2x, 3x, 4x or whatever they choose to ask for 'cushions? ' I know that the CFPB is considering allowing consumers ( borrowers ) to be able to choose which company they want to service their loan. Cases like mine illustrate why that is a phenomenally good idea. Mr. Cooper wants fat escrow balances so that they can get large interest income in a rising rate environment. I'm sure they look for this as part of their servicing acquisition modeling and strategy.
Consumer complaint received 2022-09-25
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. (CA)

In Accordance with the Fair Credit Act, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, and 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (SC)

I have paid off promotions on my lowes account. I have faithfully paid my bill everyone on time. Each payment was {$100.00} per month. Except for one payment of {$30.00} which I was told that was the only amount due to pay off that promotion. Every payment after that went towards the remaining balance on the only balance left on a promotion. I was told that was the only one I had left. Each month I called to confirm that {$100.00} was going towards that balance. Each month they confirm it was and that would take more time to reflect on the balance statement. However that amount kept going up instead of down. Somewhere in the mix my money was going towards balances I was told were paid off. Because of this the intrest on each one was applied to my balance and the last promotion the money was never applied to that balance. Which was the only balance left. I called them every month and every month they are looking into it. Now it's affected my credit score. I requested they cancel that card. They assured me the issue was being fixed and to just allowing time. However within this time it's showing badly on my credit report. I am being contacted by them daily via email and telephone. My debt has been paid off before the due date. That balance is supposed to show {$0.00}. Due. Instead it is going up each month {$100.00} as I wait for their mistakes to be fixed. Everytime I speak to them they act like they have no idea what I'm talking about. Then they put me on a long hold to find the issue, then assure me it's being looked into and to wait. I have request they listen to every conversation made each month I called. I was being told one thing but what they were doing was so completely different. 
Please help me.
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (AR)

even thought this company seems to have a block on being able to complain about them i figured i would ive it one more go before lawsuit.

after filing this complaint against them that supposedly was duplicated and never sent they have changed the way it is reported on my credit report but they still fell to compensate for having to deal with this for the last 6 years of them lying. further more they have the audacity to still not report it as it should be paid in full never late most especially after having to deal with the effects of it for 6 years i mean it was about t fall off as it was
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

In XX/XX/2019, I went on a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Before I left for the trip, I called XXXX and made arrangements for the at sea rates. I have some of the text messages of the rate agreement. I have some of the text messages of my concerns of being charged regular rates. I was told that I would not be charged that rate. At the end of the trip, I was charged I repeatedly tried to get it adjusted to the agreed upon rate, to no avail. It has been sold to a collection agency. 
I have been affected in so many ways by this. I was in XXXX XXXX XXXX XXXX XXXX, due to XXXX. Besides XXXX XXXX I have XXXX XXXX as a result. I wrote XXXX as well as the collection agency. It it now on my credit report as a collection. 
I have several letters that have been submitted. I have text messages. I will only upload a sample of what I have sent. Please contact me if you need more.
Consumer complaint received 2022-12-05
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: CL Holdings LLC (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Jefferson Capital has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-08
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. (CA)

I have been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY CHAPTER XXXX Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at XXXX, Equifax, and XXXX neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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

Payment history was never late. I paid two payments in advance in XX/XX/2021 for XXXX and XXXX. Then mysteriously I have a late payment for XXXX. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( B ) Reporting information after notice and confirmation of errors XXXX removed the late fees associated with that payment.
Consumer complaint received 2022-09-25
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: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 

In addition, accordance with the Fair Credit Reporting Act 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 : also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-25
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2022-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (PA)

This is unbelievable. I already did this earlier in the year for both of these companies! 

XXXX XXXX continues to send a false collection to agencies seeking payment. 

They appear to have a fraudulent system in place to automatically start phone services on devices purchased from their website. 

In XX/XX/XXXX, I purchased a phone from XXXX XXXX. The device was returned, services were not activated, and credit for the purchase of the device was issued. An online account was never created, despite customer service representatives trying to force this in order for me to accept whatever terms, conditions and privacy policies they had. I refused. 

XXXX started the phone service for the device automatically and continued charging an account I did not create or authorize. This happened for months. I contacted XXXX and after hours of being transferred around, I was told the account would be closed and a credit issued. 

This did not happen. They continued billing this false account for a phone service never activated. Attempts to reach the XXXX billing department were useless. They would not answer calls being transferred to them. 

Then I received a debt collection with an amount even greater than when I was told the " false '' account would be closed and credited. More attempts to resolve with XXXX were a nightmare. The credit agency wanted proof and refused to investigate. XXXX was claiming they could not do anything now because the account was handed over to collection. 

After hours of being transferred from one team or supervisor to the next, eventually, a representative investigated and confirmed ( again ) that the device was returned, and services were not activated. Apparently there are notes when this was supposed to happen the first time I was told the account would be closed and credited, but it never happened. XXXX again told me the account would be credited and closed. She also sent me an email stating this, which I then forwarded to the first debt collector, XXXX. 

Now XXXX has sent the collection to another credit collection agency, CBE Group, again. They were the first group trying to make a collection. This is now the 3rd collection attempt between two different collection agencies being used to transfer a false debt back and forth! I filed a complaint here on XX/XX/XXXX which clearly has been ignored by XXXX and the debt collectors. 

This is full on harassment and fraud from the start. XXXX appears to have a system in place that automatically begins services that a customer did not authorize, simply based on a web purchase. Attempts to resolve are nearly impossible and now they are using debt collectors to send a false collection from one collector to another. 

I have lost many hours and days of my life chasing this issue which is going nowhere.
Consumer complaint received 2022-09-25
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. (PA)

XXXX this is reference to this complaint number. MY NAME IS XXXX XXXX XXXX XXXX XXXX I AM A NATURAL PERSON AND A CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. I RECEIVED A LETTER FROM EQUIFAX DATED XX/XX/XXXX. ATTACHED IS THE LETTER WHERE EQUIFAX IS IN VIOLATION OF THE 15 USC 1681 ( C ) ( 2 ) WHERE THE AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES THAT RESULTED FROM AN ALLEGED ID THEFT. 

THEY ARE REQUESTIONG FOR ID WHICH WAS SUBMITTED WITH MY FTC REPORT # XXXX RECEIVED ON XX/XX/XXXX
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (VA)

Pro-collect made an inquiry against me damaging my credit on a debt that is not legitimate and in dispute ( an extra XXXX} ). I paid my balance in full on the exit of my apartment complex when I turned in the keys and was told I had zero balance which was also shown in the resident portal ( Elements of XXXX XXXX in Florida, which is owned by XXXX properties, but they sent me a bill going through the wrong date ( a week later than the correct date. My last day was confirmed as XX/XX/XXXX which I have a signed sheet saying and provided it to procollect. The bill they are looking at does not provide an explanation, but they won't give it the time of day to look into it. I asked for them to provide some documentation to show that I owe the debt but refused to reason with me. The entire alleged date all rests on the date they have not matching the date I have on my signed sheet. The Property Manager and Assistant property manager who I was working with no longer work there. The amount generated on my exit was paid by money order and shown in my bank statement screen shoot attached.
Consumer complaint received 2022-07-04
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. (GA)

On XX/XX/2022, I reached out to XXXX to dispute some fraudulent active on my credit report. There are XXXX hard inquiries on my report that I did not authorize and I have a fraud alert on my account. I explained to the representative that I am in a XXXX XXXX Bankruptcy that was filed on XX/XX/2022. I have not inquired for no new credit. The representative stated that if it is on my report then their 's nothing that can be done about the hard inquiries. So I asked even when I have a fraud alert on my account their 's nothing that can be done. He stated no. I havent applied for any new credit. But everything I talk with either credit bureau I have to send them a copy of my driver 's license, social security card, and bank statement with my address. But someone can go apply for credit in my name online or in person and nothing can be done about it. It just goes on my credit report.