davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (RI)

In XXXX of 2022 I applied for a XXXX program through XXXX  XXXX  XXXX on my mortgage with Chase, which had come out of a forebearance. I had been pre-approved for $ XXXX or so. XXXX XXXX opened the XXXX application on XX/XX/2022. I submitted my extensive application on that date. I received confirmation that the application was complete and I needed to do nothing else. 

I let my mortgage company- Chase- know that I was applying for this, and a servicer had actually helped me with some of the financial details of the application. I have kept them up to date on the process almost weekly since that time. 

Note that Chase can not " see '' on their side of things that I have applied for anything. They say that a XXXX party servicer is handling the XXXX program. 

I was approved by XXXX  XXXX for the XXXX program. The next step was they submitted - by computer - a request to Chase for documentation - details about my mortgage, so the application could be completed. 

They have received nothing back from Chase since XXXX. 

At the end of XXXX I had a mortgage person at Chase and a person at XXXX  XXXX on a 3-way conversation ( with me ) to talk about this. That phone call was recorded by Chase for my records- and XXXX  XXXX was notified that it would be. 

I have had extensive email conversation with XXXX  XXXX to follow up - they have also asked me to ask Chase for an extension on my forebearance arrangement because of this HAF process. I did and was granted one until XX/XX/XXXX. Obviously, that date was missed. 

Today I spoke to a supervisor at XXXX  XXXX about this and was told there is nothing anyone can do - it is a federal computer system for XXXX talking to a federal computer system for Chase. They have rec 'd confirmation that the request to Chase was received. This means we just " need to wait '' - because Chase is soooo big and they have soooo many applications around the country. 

This just can not be the way it is. There must be some guidelines and rules and regs that Chase would be under to manage the program. Chase, right now, seems to be completely unaware of my application, except for the notes I have asked to have continuously written into my file. 

My loan # with Chase is : XXXX My name is XXXX XXXX XXXX XXXX  XXXX labeled my name as XXXX XXXX XXXX The address is XXXX XXXX XXXX, XXXX, RI, XXXX My email is : XXXX My phone is : XXXX The mortgage XXXX  application is being process by XXXX  XXXX - XXXX XXXX XXXX  - ( XXXX ) XXXX I am attaching documents.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (OH)

I purchased something with my chase credit card. The merchant charged me an additional {$180.00} without my permission. After speaking with Chase, they told me they would send me XXXX dispute letters to respond to. I waiited for the second letter but it never came. So I mailed the letter back to chase with all of the requested documents. Two days later I received a call from Chase saying the dispute was decisioned even though they did n't have my documents. Chase based their decision off of a verbal promise from the vendor ( who fraudulently charged me ) that their Terms & Conditions allow them to make such additional charges. The Chase representative responsible for the case never even received the actual Terms & Conditions from the vendor, per the representative. The Chase representative said they only sent me XXXX letter, and then changed her story and said they sent me XXXX letters. Then she said I only needed to respond to XXXX of them, but that was only after the fact. Originally Chase told me I would receive XXXX letters and to complete and return them both, XXXX of which was lagging by 4 or 5 days, so I wanted to follow instructions that Chase told me to comply with. So Chase never even gave me a fair review because they never viewed my dispute statement or supporting correspondence documentation. Ultimately I never received my merchandise be the vendor is saying I forfeited the item because I did n't pick it up for 21 days while I was working with Chase.
Consumer complaint received 2022-08-04
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. (PA)

This is my 6th venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00}
Consumer complaint received 2022-08-18
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: Capio Partners, LLC (PA)

In accordance with a fair credit reporting act [ ASSETCARE # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-28
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2016-04-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management , Inc, is reporting me for collection unjustly because I tried to pay my supposed debt with them and they say that my account is under other company. However, they continue reporting me for collection. It is happening for at least three months. In addition, they have increased the amount of my debt without a reason. My question is, how a company can report me to collection when I have called them three times on three different months to pay my debt and they do not want to give a solution to my case? According to their representatives, my debt is under a legal department but I did not receive any paper from that department and also they have to supposed to receive my payments and do not report me for collection because I have been opened to pay my supposed debt
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (FL)

CREDIT SCORE XX/XX/2015 -- -- -- -- -- MIDLAND FUNDING LLC # XXXX XXXX , CA XXXX XXXX -- - Remarks XXXX PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XX/XX/2015
Consumer complaint received 2022-11-22
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: HYUNDAI CAPITAL AMERICA (NY)

XXXX XXXX added over 18 inquiries to my credit report and it is fraud. 
Are you familiar with 15 U.S.C. Sec. 1681i ( a )? It says if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct.

section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer. 
Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter please. If you can not provide documents with my signature these inquiries should be removed immediately. 

The items below should all, be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2022-11-22
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc. (AL)

XXXX XXXX XXXX garnished Consumer 's wages via CSE Agency.

Consumer disputed CSE 's alleged debt in XX/XX/XXXXby way of affidavit and fee schedule. CSE Agency have not answered at all, CSE attempted to collect this alleged debt again in XXXX, ( See Exhibit 2 ) I disputed their alleged debt under 15 USC 1692g, XXXX XXXX XXXX garnished my wages due to communication with CSE Agency indirectly without Consumer 's consent.
Consumer complaint received 2022-02-25
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: BARCLAYS BANK DELAWARE (MA)

I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : XXXX XXXX XX/XX/XXXX Inquiry BRCLYSBANKDE XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXXA XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry
Consumer complaint received 2022-10-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the Fair Credit act PORTFOLIO RECOVERY ASSOCIATES # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2016-05-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

I could n't see the lender agreement until after the loan was processed so I did n't see the true cost of the loan before I agreed. I thought the loan should be paid off by now, so i contacted them. I got the {$600.00} loan 90 days ago, I pay {$210.00} every 2 weeks and I was told I still have a balance of {$810.00}!!!! Please, Please, Please HELP ME!!!!
Consumer complaint received 2022-02-28
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. (VA)

Equifax is keep replying by automated messages. They claimed that they mailed me the investigation summary but WITH NO PROOF. I requested, In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Where is your Method of Verification? Equifax is in violation of FCRA 611 ( a ) ( 6 ) ( B ( iii ).
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have been battling with Equifax for months to remove inaccurate information from my report, I sent in my FTC identity theft report, supporting documentation, and consumer statement as required to block said information, which was not blocked in error, and since at least XXXX of 2021 Equifax still continues to report and is violating my consumer rights. Please see attached text for further explanation.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent in a request for EQUIFAX to update my creit report information and remove unauthorized inquiries. I sent in documents to verify my identity which were my drivers license that shows my current address, my social securuty card, and a bill that shows my mailing address. I contacted EQUIFAX omn the following dates : XXXX, and XXXXI explained to EQUIFAX that I am unable to retreive my report from MYEQUIFAX.COM.It tells me that I have no identifying information and none of my credit accounts show on the report, everything shows XXXX.EQUIFAX claims to have escalated this issue 6-7 times to no avail. EQUIFAX gave me a case # XXXX on XXXX, and informed me that it would be escalated yet again. I pay for credit monitoring services and I'm unable to retreive my credit report neither are my creditors. I just attempted to retrieve my credit report today and it says '' NO INDICATOR ON FILE '' .I have attached the report from today as well. EQUIFAX continues to delay in correcting this issue that Iv ; e been dealing with since XXXX XXXXEQUIFAX has my identifying information and documents ( color copy ) that verify my identity.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2020 I updated my auto-payment terms from a full payment on my account 's due date to a half payment every 2 weeks using the payments options on Chase 's mortgage servicing online portal. My mortgage payment is due the first day of every month. I was given a notice that my mortgage would begin paying on XX/XX/2020 under the new terms and I was responsible for ensuring my mortgage was paid on XX/XX/2020. Before I added a manual payment for XX/XX/2020, I contacted Chase 's customer service to make sure my previous auto-payment would not pay on XXXX. I was ensured by a representative named XXXX XXXX that I would need to setup the additional payment. I reached back out to make sure my auto-pay would not debit my account on XXXX and that I had to setup another payment. A representative named XXXX XXXX reinforced that I had to setup a new payment for XXXX and that I would not be double charged. 

When XX/XX/2020 came, Chase withdrew 2 payments from my XXXX checking account for my mortgage. This was unfair and deceptive. I called Chase on XX/XX/2020 to get them to refund one of the payments and they said it would take 2-3 business days to process the refund. I asked them to include interest for 7 days the funds were missing from my XXXX account. Chase refused. Chase 's payments practices are unfair and deceptive.
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (MI)

On XX/XX/XXXX I contacted Ford Motor Credit Company to explain my financial hardship with making loan payments. I work in the auto industry and due to issues with filing for unemployment and due to chip shortage, I was having difficulty meeting financial commitments. The Ford Motor Credit representative told me they could give me XXXX months to get back on my feet and would move those XXXX payments ( XXXX, XXXX, XXXX ) to the end of my loan period. So, my next payment should have been due XX/XX/XXXX. 
Thankfully, my employer had just paid out profit sharing on Friday, XX/XX/XXXX so I would be able to get current. 

Unfortunately, I discovered my car had been repossessed the morning of Sunday, XX/XX/XXXX Contrary to my agreement with Ford Motor Credit. I contacted the agency today, XX/XX/XXXX, and was told I would have to pay the {$320.00} towing fee and another fee of {$310.00} for something else as well as bring my loan current to get my car back. 

Ford Motor Credit representative lied to me and when I tried explaining that to the representative I spoke with today, I was told that I was wrong about my conversation in XXXX ( which I disagree with ) and I have no choice but to pay the extra fees in order to get my car back, that they shouldn't have taken in the first place. Since they have possession of my car and I can't get to work without my car, I have no recourse but to pay money I don't feel I owe. Companies shouldn't be able to lie to people in the first place and then charge them XXXX fees.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan — 
Company: Navient Solutions, LLC. (FL)

My loan was for XXXX there was a class action lawsuit and this loan was closed in XXXX  somehow XXXX made my federal loan into a private and I have been paying since than. But theres a problem the account should have been closed or forgiven. Instead they are committing fraud making me pay, be in forebearsnce, setup auto pay than they cancel it. The account balance never changes and only increases. My credit was XXXX in XXXX I purchased a vehicle. Than XXXX  reports late payments for XXXX as late payments XXXX years ago this was updated on XXXX XXXX.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (NC)

I own a business and got hurt. I was unable to pay the bill XXXX XXXX has charged off the debt I owed and sold the paper to 3 other collections XXXX XXXX XXXX which harassed me and cursed me out and sent my information and called all my family members and told lies. Then, the Law office of XXXX XXXX called XXXX XXXX were sending me texts message to myself and my family members stating I committed a felony crime and shut my DMV so I can register vehicles. Now, Global Solution Biz, LLC are calling threatening, using crazy Rhetoric about XXXX filing which has already been done telling what I need to do and stop complaining and need to pay my bills. Im taking medication for this matter because of the depressed and anxiety state they and XXXX XXXX has placed me in at this time. PLEASE HELP ME!!
Consumer complaint received 2017-10-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: McCullough Payne & Haan, LLC (GA)

I advised the company to stop all calls as I do not know who they are. I have not done business with this company. I do not owe any money to this company. This company can not produce a contract between me and McCullough, Payne and Haan. Y
Consumer complaint received 2022-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

For the past XXXX years since I consolidated my loans with Navient, I have been paying {$520.00} a month with an agreed maturation date of XXXX/XXXXXXXX. I recently went back to school, which I am paying for out of pocket. I did not apply for loans. Without calling or emailing, Navient deferred my loans. I called within XXXX hours to inform them I did not want to defer my loans request they revert to the previous payment plan with and end date of XXXX/XXXX/XXXX The next month I was charged {$510.00} and I received an email from them saying they've changed my payments to {$500.00} a month with a maturation date of XXXXXXXX I never asked for this. They are unwilling to understand or help me online. They are using the same tactics they used when I first graduated school and convinced me to take a forbearance so I am now paying more than double my loan amount. I would greatly appreciate your help in getting my account back to the agreement we had. I would also like to be part of a lawsuit against Navient as they entirely look advantage of me as a student when I borrowed $ XXXX I am repaying over a {$100000.00}. My interest at this point is more than 50 % of my remaining loan.
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (HI)

Since AARAGON AGENCY INC has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me.