davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Williams, Rush & Associates, LLC (FL)

William Rush and Associates account number XXXX XXXXXXXX balance {$2500.00} According to law 15 usc 1692c ( C ) CEASING COMMUNICATION If a consumer notifies a debt collector that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2024-10-16
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: Telerecovery Corporation (LA)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several attempts to fix these issues directly with them. They are still violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either give me my money or delete these accounts ASAP.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (SC)

On XXXX XXXX 2014 my wife and I applied to Ocwen Loan Servicing , LLC in regards to our home mortgage, to have our PMI removed. We met all XXXX required points : 1. current on our loan. 2. No late or missed payments in the preceding 12 months or 60 or more days late in the preceding 24 months. 3. Proof that our property had not declined in value since the loan origination [ Appraisal from a certified appraiser that met the minimum requirements on the Loan-To-Value threshold of 80 % or less ]. 4. Submitted written request. 
Ocwen subsequently, rejected our request, we feel, unfairly!
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -- - DELETE THE LATE PAYMENT ONLY XXXX XXXX -- -- DELETE THIS ACCOUNT! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-03-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (WA)

I was involved in a motor vehicle accident in 2012. My relatives PIP insurance did n't cover my medical bills nor my lawyer. Now they left me with a debt that is not mine. The medical bill from XXXX medical center XXXX. I am already paying a debt from the audit-adjustment company right now. I have XXXX to pay still. I need help and someone needs responsibility its not me. I want you to take this amount XXXX off my report. I believe that people need to take care of debts not put me in a situation that makes me feel guilty here. No body has contact me ever since they just want money from me. I am speaking honest here no one should go thru something like this. So please resolve this. I will no longer take responsibility. Someone needs to.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank is not a 24hr bank. They are closed on holidays and they close after a certain time on certain days like Sunday. XXXX XXXX XXXX chase locked me from my account. They were closed and I had no access to my funds nor was I able to reach a representative. My funds were on hold for 4 days because they were close and there was no one to speak to. This is illegal and these banks are getting away with it. You cant block people from their account and not be accessible. 
Chase Bank keeps purposely preventing me access to my funds. If I send a XXXX payment they purposely deny my XXXX transactions, locks me out of my accounts and then keeps my funds on hold without any explanation. I deposit my work checks and they dont give me a clear date. They clear it when they want and I cant get an explanation from no one.
Consumer complaint received 2016-10-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACCESS GROUP INC. (FL)

I have a XXXX and an XXXX, and I have accumulated about {$150000.00} in federal and private student loans, of which {$45000.00} in private student loans have become a big problem to repay. I am unemployed and have very minimal income. I have exhausted my deferment, and I was refused to get on the income-based repayment plan or MGRS- modified graduated repayment schedule. 

My servicer is XXXX and the holder of my student loans is Access Group. Both refused to provide me with an income-based repayment plan, and here is why- I was on the income-based repayment plan but still had a hard time making payments. XXXX ' representative offered me a deferment for three months ( which would exhaust my deferment ) and then get back on MGRS. My three-month-deferment just ended. To my surprise, following the deferment period, XXXX advised me that the MGRS is not an option for me anymore because I can not go on and off it, and there is no other repayment option. 

Had XXXX associates been properly trained and provided accurate student loan advice to me in the first instance, I certainly would not have canceled the MGRS just for 3 months. I would have stayed on the MGRS. Clearly, my choices have been made based on false information provided to me by their servicing center. 

Now, I am without income and in a worse repayment position than I was prior to deferment. It seems nonsensical to me that I can not use an income-based repayment plan. I do not believe that XXXX and Access Group are providing me with accurate information. 

Please help me get back on the income-based repayment plan. 

Thank you, XXXX
Consumer complaint received 2023-01-19
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: Bread Financial Holdings, Inc. (OH)

I received a credit alert on my credit journey that I have on my chase credit card. There was a new credit inquiry on XX/XX/23 from lender : COMENITYCB/XXXX XXXXXXXX XXXX I contacted comenitycbXXXX XXXX and was told someone filled out an application to open a new credit card with my name and social security number as well as an old home address. I informed comenity that I did not apply for a credit card with them. They cancelled the application for the credit card and directed me to contact all credit bureaus to report the fraud.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

My wife and I have had a credit card with Nordstrom since XXXX. And my wife and daughter XXXX XXXX XXXX XXXX of Nordstrom. I am extremely disappointed by the negative impact I am having on my credit. 

I paid my account in XX/XX/XXXX. In XXXX and XXXX, my bookkeeper failed to make payments due to unforeseen personal circumstances. Once I realized that the card was past due and charging late fees of {$37.00}, I paid the late fees and balances owed in XXXX, but late fees continued to be assessed up until the balance owed and fees were paid on XX/XX/XXXX. When I paid the late fees and balance I called Nordstrom Customer Service to request a one-time courtesy reversal, the agent told me he wouldnt remove the 30 day late off of my credit report.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AR)

We have been in our home since XXXX of XXXX. My husband became ill in the latter half of XXXX and was in XXXX status since XXXX XXXX which took a heavy toll on our household income. I began to contact then Greentree Servcing LLC as to our hardship and was given instruction on the paperwork needed to begin a file process of necessary documents. I obtained all documents asked for and submitted to Greentree Servcing LLC. 
Each time I was told I did not qualify for HAMP due to all documentation not in file which now left us behind on payment due to the fact we were told if our payments were current we would not qualify for HAMP. I was then told I could do a deferment but would no longer be able to pursue the HAMP for at least a year after the deferment. I was then asked to make a payment of roughly {$800.00} plus dollars of which I did and set up an additional payment for {$620.00} to be debited on XXXX XXXX, XXXX and I did that as well. 
Now Ditech has began calling continually saying I owe {$800.00} plus dollars in late fees. 
We have continued to struggle to work with Greentree ( Ditech ) to keep our home but to no resolution. Please point us in the proper direction we pray for relief to this matter. 

Thank You, XXXX and XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-10-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX  days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-10-13
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (FL)

My card was used without my permission. It was stolen from the hotel I was at. I reported the charges and cancelled my card. They refused to reverse the charges... I have never had this issue with Chime since being with them 11 years... now there is a problem. 
I, also, chose to use their 16 % cashback deal at XXXX. It states it was expired when used. This is a lie. I was right in the parking lot.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

RE : 15 USC Section 1692C -NO RESPONSEFROM : XXXX XXXX XXXX and Experian or the creditors and no actions- Sent to all of them Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX, XXXX XXXX and Experia n ) don't have the right to report anything on your credit report without your written consent whichyou do not have that right To Whom It May Concern, I am disputing th e- referenced debts below. Pleaseverify this debt as required by Fair Debit Collecti on Practices Act.

BecauseI am disputing t hisdebt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agenciesinform them that t hisdebt is disput ed and ask them to delete t his from my record report reporti ng inform ation t hat you know to be in accurate or failing to report information correctly violatesthe fair cred, it reporting act. The law states theseitems need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692Crequires that youhonor this reques.t Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX XXXX XXXX and Experian ) don ' t have the right to report anything on your credit report without your written consent which you do not have that right
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed as soon as possible.
Consumer complaint received 2023-01-19
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. (CA)

RE : 15 USC Section 1692C -NO RESPONSEFROM : XXXX XXXX Equifax and XXXX or the creditors and no actions- Sent to all of them Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX, Equifax XXXX and XXXX XXXX ) don't have the right to report anything on your credit report without your written consent whichyou do not have that right To Whom It May Concern, I am disputing th e- referenced debts below. Pleaseverify this debt as required by Fair Debit Collecti on Practices Act.

BecauseI am disputing t hisdebt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agenciesinform them that t hisdebt is disput ed and ask them to delete t his from my record report reporti ng inform ation t hat you know to be in accurate or failing to report information correctly violatesthe fair cred, it reporting act. The law states theseitems need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692Crequires that youhonor this reques.t Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX XXXX Equifax and XXXX ) don ' t have the right to report anything on your credit report without your written consent which you do not have that right
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (SC)

I filed a XXXX claim with my Cerulean card and when the payments were over, they started charging me late fees even though my card was on autopay prior to me filing the XXXX claim. I am even blocked from trying to re-enroll into autopay because I can't get into my account. I called and brought this to their attention and got absolutely nowhere! It is imperative that I have everything on autopay because I have stage XXXX XXXX and I my memory is not as good as it used to be. I am frustrated with XXXX and the way that they handle business and they just charged me {$41.00} again. I don't understand why my account didn't go back into autopay after the XXXX payments were made.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase auto finance has reported 1 late payment on my credit report and I was never late. I have no lates and I am a responsible person my payment was alway on time. Its reported in XX/XX/2017. I contacted the company but they would not here me. The payment was sent on time.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (FL)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICALOAN # XXXX XXXX INVESTOR ESCALATION NUMBER # HomePath Inquiry : Case # XXXXPROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX : To whom it may concern : On XXXX of 2015, my title company submitted a short sale to Bank of America, ever since then it has been nothing than a nightmare ; if it was n't for the persistence of the negotiator from the title company, my home would have been foreclosed. Bank of America made mistake after mistake, finally we received a short sale approval on XXXX/XXXX/15, the Title company 's negotiator sent the approval to the buyer as the XXXX XXXX requires a copy in order to process his Condo approval application, this was on XXXX/XXXX/2015. 
The file was transferred to closing to order estoppels from the condo HOA. and the approval expires on XXXX. 
The title company 's negotiator received a call at:XXXX from XXXX XXXX XXXX arepresentative from BOA XXXX stating XXXX the investor, was selling the servicing rights of the loan to XXXX XXXX XXXX XXXX/XXXX/2015 and that we MUST close by then, otherwise we needed to deal with XXXX XXXX and start all over from the beginning. 
I am in tears, I am a single mother with XXXX elderly parents and a small child, we applied to an apartment on XXXX, when we received the short sale approval from the bank. 
This is not a fair resolution from these financials institutions, to tell us get up and leave or you lose the short sale, is less than 7 days, there is a {$10000.00} deposit from the buyer on the unit, the buyer can not close until they are approved by the Association otherwise the transfer of title is not legally completed. 
I am asking your agency to intercede on our behalf, the title agent has disclose you have strict regulations on time frames as to before the submission of a Loss Mitigation options as well as time frames after approval has been issued. 
How can they just go up and sell the loan to a servicer than according to my agent is known to foreclosed on the properties and not honor approvals. 
I do not know what to do, we fought so much to move this forward, now they want to take this away, is time these institutions get fined for taking advantage of consumers.
Consumer complaint received 2024-10-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Recovery Partners, LLC (FL)

I am writing to formally lodge a complaint against XXXX XXXX, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. I believe their actions constitute severe violations of the federal Fair Debt Collection Practices Act ( FDCPA ), and I urge the Federal Trade Commission to investigate their unethical practices. 

Since I first became aware of their attempts to collect a debt, XXXX XXXX has subjected me and my family to relentless harassment. Despite my explicit requests for them to cease communication, they have continued to bombard me with phone calls and letters. This persistent intrusion has created an unbearable atmosphere of anxiety and distress not just for me, but for my entire family. 

The emotional and psychological damage inflicted by XXXX XXXX can not be overstated. Their constant threats and unwarranted calls have left me feeling like I am living in a state of constant fear and unease. As a veteran who has dedicated my life to serving this country, it is heartbreaking to find myself in such a vulnerable position, being tormented by an unethical debt collection agency. The stress and XXXX  I experience daily have manifested in sleepless nights, panic attacks, and an overwhelming sense of hopelessness. It is disheartening to think that after serving my country, I am now subjected to such harassment. 

More alarmingly, XXXX XXXX has taken to threatening my son with both criminal and civil penalties, which is not only inappropriate but also deeply distressing. Such tactics are not only unethical but also a blatant violation of the FDCPA, which protects consumers from harassment and intimidation from debt collectors. The emotional toll this has taken on my son can not be overstated, as he is left feeling frightened and distressed by these threats. 

Additionally, they have involved my ex-wife in their harassment tactics by calling her and making threats, which constitutes a violation of the third-party communication restrictions outlined in the FDCPA. This unwarranted intrusion into my family 's private life has not only exacerbated my mental and emotional suffering but has also disrupted the peace and stability of my household. 

I feel trapped in a cycle of intimidation that has affected my daily life and overall well-being. XXXX XXXX has succeeded in creating an environment where I feel unsafe and anxious, robbing me of my peace of mind and dignity. 

I implore the Federal Trade Commission to take immediate action to investigate XXXX XXXX for their unethical and illegal practices. Their blatant disregard for the rights of consumers must not go unchecked, and they should be held accountable for the emotional damage they have inflicted on my family and me. 

Thank you for your attention to this serious matter. I look forward to your prompt action and response.