davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Within 30 days after receipt of a notice from XXXX, I sent a written request dated XX/XX/2016 ( XXXX ) to ask for validation of the debt and ( XXXX ) to notify them to contact me on this matter by mail only. XXXX tracking is showing receipt of my requests on XX/XX/2016. On XX/XX/2016, I received a missed call from XXXX ( XXXX ). When I returned the call and verified my address & the last XXXX digits of my SSN with the representative, XXXX, he confirmed that they did in fact call me. I asked the representative why they were calling me and XXXX told me that they were calling to discuss the debt that I owe with Capital One, their client. He proceeded to discuss the asserted amount owed. When I told XXXX that I sent a letter requesting no contact by phone, he denied receiving the letter. Yet I have proof through XXXX tracking that my letter was received on XX/XX/2016. I believe my rights were violated under the FDCPA because the debt collector, XXXX, contacted me after receipt my letter for a reason other than to confirm receipt of my letter or to tell me that they were taking legal action against me.
Consumer complaint received 2023-01-12
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. (AL)

Do to my understanding someone use my personal information to uptain credit an use to be placed reported false information to uptain credit an fraudulent activity happened with these companies saling my personal information with out my permission with proved correctly information provided by government law illegally reported by government law I was issued one government name not muitplal I requested everything be removed do to identity theft freeze should be placed on my credit report until I fix this illegally activities full disclosure investigation
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

From XX/XX/2014 through and including XX/XX/2014 all charges made on my Southwest Credit Card issued by Chase Bank were fraudulent and made by another person. 
These charges are on Southwest credit card numbers : XXXX as well as XXXX. 

Chase Bank did not fully check to make sure these newly issued credit cards were being used by me. They disregarded all indications that there were fraudulent multiple transactions with the same amounts and large daily amounts. They willfully and wantonly disregarded for their own benefit turned a " blind eye '' to these fraudulent transactions. 

The XXXX XXXX New Jersey Police Department has issued a police report signed by Officer XXXX XXXX XXXX and reviewed by Detective XXXX XXXX XXXX. 

A copy of the police report is attached
Consumer complaint received 2019-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (PA)

BB & T charged me {$1400.00} in overdraft fees from XX/XX/19 to XX/XX/19. I believe these fees were excessive. During that period I was laid off from my job and then I also had my hours severely reduced in another job. I am not disputing the amount of the fees. I am disputing that the bank should have denied me overdraft priveleges especially when I was in a negative balance for such a long time.This practice of providing overdrafts fees is predatory on people in my situation.
Consumer complaint received 2019-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019 I filed a complaint with CFPB against Chase mortgage lender because they outright sold my note without providing me 15 days of notice PRIOR to this transaction. 

The only way I found out the true date of sale is from the buyer who accidentally included the true date of sale in a letter to me. 

Chase got upset that I filed this complaint and tried to call me, when they are prohibited from direct calls to me as I am in a Federally protected Chapter XXXX. Chase is only allowed to notify my lawyer of ANY transaction that takes place, they also need to notify the Chapter XXXX Trustee, which they did not do. 

On XX/XX/2019, after their illegal call to me, they sent me a non certified letter explaining they received my complaint while simultaneously failing to communicate any of this matter to my law firm, or the XXXX County Court Trustee. 

Two days after their letter, ironically, the new Lender sent me a foreclosure notice, claiming I've been late on my new payment, when I have never missed a payment. All of my payments are processed through the Chapter XXXX Trustee court filing system in XXXX County. This is deceptive, and total harassment during the Holiday season. It appears that Chase waited to perform these sneaky actions. 

As a result we are hiring a firm to perform a total XXXX report on the Chase mortgage to discover whether or not they have sold bonds, separating the bond from the note, on this loan. I have every intention of filing a RESPA suit and more against them for these actions.
Consumer complaint received 2018-06-27
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 — Problem with personal statement of dispute
Company: Continental Services Group, Inc. d/b/a ConServe (MI)

I did an online dispute and the info and amount changed, someone made a {$19.00} dollar payment, but it wasn't me. There seems to be some type of fraud etc. going on. I pulled a report today and it shows different than the report I pulled on the XXXX. The reporting is still inaccurate and incorrect. The XXXX of XXXX, and their collection agency weren't able to explain the XXXX loans, the amounts, dates, times, etc of the loans that they said I owe, plus they couldn't explain what was applied that I already paid to the loans. Please see attachments.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (WI)

I opened up my jc penny credit card on XX/XX/2019. Within two weeks they have reported balances to all 3 credit bureaus. Once for {$41.00}, second report 3 days later for {$330.00}. Both reported end of XX/XX/XXXXand 1st week in XX/XX/XXXX. I called company 3 times to confirm when 1st reporting would happen. I was told not until late XX/XX/XXXX. This company lied and has dropped my score 5 points. I wouldve never opened this card if i knew it would report to credit bureaus everytime i use the card! Horrible company.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

Citicards is a XXXX company. They refuse to fix their Online Statement system for XXXX Americans. 

On the webpage, I am on the statement for XX/XX/XXXX. 
On the Webpage, I see charges up to XX/XX/XXXX. 
When I download XXXX XXXX, it shows Transactions up to XX/XX/XXXX. 

Then when I go back to the webpage, and do " Load more transactions '' for that statement billing period, click Download XXXX XXXX, it shows Transactions up to XX/XX/XXXX. They are cutting of the VERY Last date on the Statement XXXX download. This is an IT level system bug. They need to fix it, and stop misreporting transactions for customers. They refuse to fix it for XXXX and Minorities. Very XXXX company.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (GA)

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

FRAUDULENT APPLICATIONS SUBMITTED TO XXXX XXXX XXXX, XXXX, XXXX AND XXXX XXXX ON XX/XX/2021. 

XXXX APPLICATION WAS SUCCESSFUL AND WAS CHARGED {$200.00}. 

OTHERS DENIED. 

4 FRAUDULENT HARD CREDIT INQUIRIES ON MY CREDIT REPORT AND NEED TO BE REMOVED.
Consumer complaint received 2016-05-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MA)

We ( XXXX ) put in 3 offers to purchase XXXX XXXX XXXX in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. MLS listing # XXXX with XXXX XXXX. Owner -XXXX . Short Sale purchase. XXXX XXXX has the mortgage & Servicing agent is Ocwen Loan from Florida. We have submitted ( 4 ) proof of funds from XXXX in our names & our XXXX, XXXX XXXX. We have had XXXX purchase & sale agreements with XXXX having a closing date of XXXX XXXX, XXXX. The purchase price of the property was agreed to be {$180000.00}. Our Att. XXXX XXXX discovered a Mass. DOR Lien on the property of {$16000.00}. In addition to the two other liens totaling {$16000.00} We asked for an extension so that this would be cleared prior to our closing date. We were denied the extension so we had to start the entire process again. Our case manager with Ocwen is XXXX XXXX. Loan # XXXX. After filing the paperwork for the 3rd time they denied our offer of {$180000.00}. We had to re-submit a new offer of XXXX. They denied this offer as well. How can this company do this when the {$180000.00} was agreed on back in XXXX XXXX, XXXX? This does not seem like a ethical business practice. We have discovered that this property ( XXXX XXXX XXXX, XXXX XXXX, MA. XXXX ) is now going into foreclosure on XXXX XXXX, XXXX! We have been trying to secure this property for two & 1/2 years now. We want to buy this property for the agreed purchase price of {$180000.00} with a clear title. I can be reached at XXXXXXXXXXXX. or cell phone at ( XXXX XXXX )
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Transunion on XX/XX/XXXX requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX XXXX is reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous account and have it corrected. 

XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2016-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (KY)

We have a mortgage with Ocwen. Our mortgage, with escrow payments, was {$1100.00} per month. They undercharged us on our escrow, and now, suddenly, they want {$1500.00} per month to make up the difference. This is a substantial change that significantly reduces the affordability of this mortgage and, potentially, could result in any consumer 's being thrown into the realm of possible default. Is this a scam, or what?
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

I was sent a modification agreement by Ocwen. I completed the agreement and was told foreclosure was stopped. Discussions were misleading about a foreclosure hearing for another 30 days after foreclosure had occurred. Finally 30 days after the hearing had occurred and I had been discussing my loan modification they still said I could go to the hear. I have voice recording telling me the hearing was the next day at XXXX. I went to court on that day and time. I was told and found out the hearing had already occurred 30 days earlier. The house had already been foreclosed. I did not get to go to the hearing neither pursue other legal remedies.
Consumer complaint received 2022-11-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Click n' Close, Inc. (AK)

1st Tribal Lending denied my COVID HUD Forbearance application because I didn't send in an extra copy of the application. Then in XXXX of 2021 we had water damage and our insurance sent them a check and we paid the contractor out of pocket because we " thought '' the funds they received from our insurance claim would be added to our mortgage balance due because we could not pay our mortgage due to XXXX. Then we were/are approved for XXXX funds and they will not respond to our XXXX representative when she told them we have $ XXXX in funds available. They denied us for their mortgage assistance program and now we are in Foreclosure. I don't understand how they can hold on to our insurance money, deny us assistance, and deny XXXX funds on our behalf. I work for a housing authority and this is unheard of!
Consumer complaint received 2019-12-07
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. (CA)

On XXXX of 2018 XXXX XXXX XXXX reported to the 3 credit bureaus XXXX  Experian and Equifax that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but XXXX- XXXX XXXX  does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.
Consumer complaint received 2019-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (NC)

On XX/XX/2019 I wrote a letter to the credit bureaus about a collection account for {$480.00} I noticed on my credit report and stated that it was being reported inaccurately. On XX/XX/2019 I received a letter from the credit bureaus stating they verified the debt so I sent a letter to the collector, ( PMAB LLC ) on XX/XX/2019 requesting that they send me proof of the following : that this debt belongs to me, that they own the debt, they have a right to collect in my state, a copy of the original contract bearing my signature, proof that they can collect this debt, any copies of letters that were sent to me from them or the original creditor regarding this debt, how much they bought the debt for, chain of title on the debt, as well as proof of whether they owned or were assigned the debt. On XX/XX/2019 I received a letter in the mail from PMAB LLC which was a simple and generic print out. Nothing of which I had requested in my letter to them. Nothing of which proves this debt belongs to me or that they have a right to collect on this debt.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Account # XXXX XXXX XXXX is not my account and needs to be removed from my consumer report. I have enclosed my info to view. Also inquiry XXXX XXXXXXXX is not mine and needs to be deleted from my consumer report. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy. Law 15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These companies are in violation of Law 15 U.S.C. 1681 602 A & Law 15 USC 1681 604 A section 2 and need to delete these accounts immediately
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I had a prior case against a different entity, but this seems to be the same entity under a different name based on what they said when I told them I do not know the debtor. Last complaint number was : XXXX. The current entity harassing me is called CMRE, and XXXX XXXX continues to call after they assured me my number has been removed from their call list. I am not the person they are seeking and they have become rude, threatening, and have hung up on me numerous times.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-06-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I have paid off 10 of the 11 loans I co-signed but Njhesaa wont notify the 3 credit bureaus as accounts paid. I contacted them by letter but they wont respond because the accounts were in collections. I sent the paid letters to the 3 credit bureaus, and when they contact Njhesaa to confirm accounts are paid, Njhesaa just keeps responding the accounts are in collections.all I want them to do is confirm accounts are paid and notify credit bureaus
Consumer complaint received 2023-03-28
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. (TX)

XXXX AT & T Universal Card account shows a pending " authorization charge '' of {$26.00} for an XXXX ordered. I paid this on XX/XX/23 and XXXX says it removed the charge on XX/XX/23, yet the credit card online account summary shows the charge still pending. I contacted AT & T card service on XX/XX/23 and was told nothing could be done until the charge posts and is disputed, XXXX tells me the card carrier is taking too long to remove this pending charge that I have already paid. AT & T customer service tells me I must wait until the charge posts and go through the dispute process. In the meantime my credit limit is reduced by the amount of this charge. AT & T should promptly remove this illegitimate pending charge and release the amount back to my credit limit.
Consumer complaint received 2020-12-24
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: CONTRACT CALLERS INC (GA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2016-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (CA)

I never received any letters in the mail or received any telephone calls from XXXX XXXX XXXX concerning this matter. I was not aware of this collection until Saturday, XXXX XXXX, 2016, when I got the collection letter in the mail.