davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company has inaccurate information on my credit report and I want it off my report. Portfolio Recovery  Associates, LLC se nt me a letter stating that I own {$1.00},  XXXX  on an account that is not mines. I replied to them more rec ently   XXXX   XXXX  , 2017 and stated that the account was n't mines and if they can validate the information by providing a copy of th e original contract bearing my signature. This company has only sent me an itemized bill of a credit card statement. I have asked them for proof for over a year and they have yet to comply. I have sent them a letter stating that according to the FTC that a printout of a bill or itemized document does not constitute verification of a legally binding contractual obligation agreement and is back up By Federal Law according to the Federal Trade Commission and the Fair Credit  Reporting Act 611 ( a ) ( 7 ), 603 ( 0 ) ( 5 ) ( A ) ( I, III ). I am now strongly considering a small claims law suit.
Consumer complaint received 2017-08-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I am a 3rd party Mortgage Broker attempting to obtain a payoff for our client who has an account with Ocwen Loan Servicing LLC. We frequently struggle to obtain payoff information from Ocwen within a reasonable amount of time, however, this is our first complaint. As per Regulation Z, a servicer is required to provide an accurate payoff within 7 days of the request. So far, Ocwen has taken 22 days for this request and has projected at least another month before a payoff can be provided.
- Our first attempt to order a payoff was on XXXX XXXX, 2017, we provided our client 's signature authorization, account number, and projected payoff date. We received a written response on XX/XX/XXXX stating a new request is required and the new request must contain the appraisal due to the type of account ( Original Loan was modified to an Equity Share Arrangement ) OR, they may simply use their own Broker Price Opinion.
- A new request was submitted on XXXX XXXX, 2017, including the appraisal, customer 's authorization, account information and projected payoff date.
- On XXXX XXXX, 2017, a call was placed to Ocwen to ensure the request was received. After verifying the customer 's information, we were informed that Ocwen is not authorized to talk to us about the account until the borrower 's signature authorization was validated which will take 2 days.
- On XXXX XXXX, 2017, another call was placed to Ocwen, all information was again verified, and Ocwen still would not answer any questions regarding the account, or regarding whether they received our request for a payoff quote. Ocwen advised us that the customer had to call them to validate the signed borrower 's authorization before they could speak to us.
- On XXXX XXXX, 2017, the customer called Ocwen and gave verbal authorization to speak to our company.
- On XXXX XXXX, 2017, a call was placed to Ocwen, XXXX, ID # XXXX stated the customer did not authorize us to speak to them on his behalf. So, a conference call was made with the customer, who again authorized Ocwen to speak with us. While on the call, the customer verified his information and XXXX advised he did actually see that the customer made the authorization on XX/XX/XXXX, but it was not for our entire company, only his Loan Officer. Once the customer disconnected from the conference call, XXXX advised us that in order to obtain a payoff, we must speak to the relationship manager, XXXX XXXX, who 's schedule is so full, he can not talk to us for at least another month.
- The client is current on his mortgage payments with Ocwen, and the refinance loan that our client applied for will save him nearly {$900.00} per month on his mortgage payments, however it is required that his Ocwen account is paid in full.
Consumer complaint received 2017-08-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I submitted a complaint to SPS last month via CFPB. SPS did not respond to the specific questions contained in the Qualified Written Request, nor did they respond to my request to schedule an in-person meeting at SPS HQ in Utah to review their " original copies '' of documents they allege are valid and are associated with my property. SPS is trying to use these so-called documents to foreclose our home based on an assertion of a financial interest that does not exist.
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

case XXXX new information Us Bank Minnesota contacted me they have my wire thats federal approved and XXXX XXXX board of directors approved. After explaining they would wire it he dissapeared with the money. He is XXXX XXXX. In XXXX XXXX Minnesota they say to ask the sender to him for the registration number since they dont have it. XXXX XXXX told me he does have it so the the sender to hims registration is not needed. Where did he hide this before he quit? The amount is high so anyone would try to steal. XXXX  in wires told me she knows where it is and wont wire it. I have to emphasise I was shot at the day I argued with XXXX. If only XXXX XXXX knows what he did he should be located. He still does snapshots with US bank locations. The Minnesota US Bank workers are untrained and ignorant. Im reporting XXXX XXXX, XXXX XXXX and XXXX in wires. Also I reported the director either XXXX or XXXX does n't take any calls and do n't return any messages. This is highly important! I was transferred to XXXX XXXX in XXXX XXXX and to XXXX in XXXX XXXX. XXXX was supposed to contact me with an answer and did not. He is at XXXXXXXXXXXX
Consumer complaint received 2017-08-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (GA)

My name was put on the student loan application of my adult son without permission. I have notified Navient of this for years, and supplied affadavits of my signature, etc., written documents noting identify fraud. However, they continue to harass me continuously sending threatening letters, calling my office of employment and leaving messages on a non-secure phone line about my delinquency and threats of dire consequences. Navient has passed on information about the debt to people who answer the phone at my employment. This is in violation of the FTC Fair and Equitable Credit Act. Navient calls repeatedly after many instructions not to call me at work or at all. This has been going on for 6 years. Navient apparently is now notorious about their illegal tactics used with many consumers and I understand under investigation by the FTC.
Consumer complaint received 2017-08-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

I had two auto accounts with American Honda Finance in the past. Despite the fact that I never missed a payment on either of these accounts, Honda is reporting that I had multiple delinquencies over the course of the accounts ' history. This incorrect information being reported to the credit bureaus, as I always made timely monthly payments.
Consumer complaint received 2017-07-25
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)

On  XXXX   XXXX     2017, we paid o ur HELOC balance in full.   Prior to payment we  called    XXXX   XXXX   to let them know we were paying off the full balance on     XXX/X/2017  .
We asked if there would be any problems if we did not make a   XX/XX/2017  payment,  as full pay-off would be made 72 hours l  ater.   We were assured it was ok and there would be no problems.   But  XXXX  created a major problem for us, by reporting a " late '' paymen t on  XX/XX/2017 , when they assured us they would.    As the full amount of the loan, not just a monthly payment was made 3 days later and  XXXX  knew it was coming, from to notifications ;  one fro m our phone call and the second from the  XXXX   XXXX  notification of pay  -off seven days earlier, it was unfair of   XXXX   XXXX   too harm our credit with a late report.
The Credit Rating companies -  XXXX    XXXX  and  Experian- h a ve wrongly reported this as a late payment The harm has been extensive, stopping us from getting a new mortgage.
Consumer complaint received 2017-07-25
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: CITIBANK, N.A. (IL)

In  XXXX   2017 I  pulled my credit report for all three bureaus to find an ope n CNBA Be st Buy account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 (  signed for o n  XX/XX/2017  )  to the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX  , 2017 the co mpany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31 d ays I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 (  see attached ) signed for on   XX/XX/2017   asking them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original letter  therefor v iolating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to my lette r s  to provide evidence.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (AZ)

I have a simple Mortgage loan, principal and interest only.The issue I have has been going on for years with Compass Bank. Every month when I take my mortgage payment into the bank, they process it incorrectly. I always pay extra principal as I indicate on the coupon ( coupon filled out correctly ). The following month I will receive that months coupon, and the amount due is lower the amount I paid extra the previous month. Sometimes they just keep adding up the extra principal amount and never apply it and then will deduct it later from a payment. One month I had no payment ( I paid anyway ). They never apply my extra principal amount to the principal, they apply it towards a future payment as they choose. I have gotten a payment history twice ( both different ) and had my CPA due the math to prove Compass Bank is ripping me off in the thousands of dollars so far. I have lots of paper work to back up my claim. I have tried to work with the bank and they claim no wrong doing. Because of the contract papers I am not allowed to use an attorney in my defense. I assume Compass Bank is ripping off thousands of people with no worries and no body can touch them. Just not right.
Consumer complaint received 2017-08-16
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: United Collection Service, Inc (FL) (FL)

XX/XX/XXXX ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX {$1200.00} I sent this letter to them they have not gotten back to me. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Dear XXXX XXXX Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that XXXX XXXX send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by XXXX XXXX to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XXXX UNITED COLLECTION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Dear UNITED COLLECTION Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that UNITED COLLECTION send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by UNITED COLLECTION to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC (SC)

On XXXX XXXX, 2017, I sent a HIPAA validation letter to Receivable Recovery to validate a debt that they alleged I owed for XXXX XXXX. I asked them to provide proof of the debt and validation of my signature giving this provider permission to release my medical information to them. They in turn responding with a generic " patient ledger '' that included my daughter 's name, some charges, and procedure codes ( HIPAA violation ). This is not validation, as they could not provide proof of my  signature giving the provider permission to release my personal protected health information to them. I sent a second certified letter on X/XX/2017 requesting proof of my signature and that if they could not provide me with this validation that they would need to stop reporting this debt to all three credit bureaus. My second letter advised that they had 15 days to respond from the date of receipt of my letter, which they did not. I sent this letter certified and I have attached proof of both letters and a screenshot showing where the second letter was received on X/XX/2017. They still have yet to respond my second letter, which proves they do not have adequate proof to validate this debt.
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (SC)

The debt of {$1000.00} was paid between with 2016 tax return. I received a letter in the mail that it would be taken out of my return. When I received the return it had the money taken out. This debt has been paid
Consumer complaint received 2017-08-16
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. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My loan was modified and I made three payments as requested but then the loan was transferred and foreclosure action started. i applied two more times, they denied it without any reason why denied. they sent me no documents indicating the reasons. I engaged a lawyer to protect our interest. My lawyer got an extension and NationStar Mortgage promised that they will send documents for modification. They never did even though my repeated calling. Their answer was that they do n't have enough time for modification.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

The following name and addresses are reported incorrectly on my credit report and are putting me at risk for identity theft or a credit merge. Incorrect Names : XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I orginally started with just two direct loans one subsidized and one unsubsidized loan with XXXX. I learned that had expanded over my attendance at devry was actually 9 loans each with different interest rates, to which i was never notified or was had explained. This has made my loans near impossible to pay with minimum payments being 500+ dollars, this has negatively impacted my credit greatly. And also has caused my much emotional and mental distress.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

There are errors on my credit report tied to 15 USC 16c-2. The inquiries listed were not authorized by me, and this incorrect information is affecting my credit. Please remove all unauthorized hard inquiries. Thank you.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (PA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-08-16
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: BMO Bank, N.A. (IL)

I made payments in the total amount of {$4400.00} that were posted to my BMO Harris Bank credit card account on XXXX XXXX, 2017. This was reflected on my credit card statement dated XXXX XXXX, 2017.
In early XX/XX/XXXX, I received a letter dated XXXX XXXX, 2017, from BMO Harris Bank stating that " we recently became aware of a payment that was applied to your account in error. You will see a debit in the amount of {$3400.00} on your account on XXXX XXXX, 2017. '' Upon receipt of this letter, I immediately contacted them to dispute this reversal of my payment from 4 months prior. They told me that they had no information why this occurred but would investigate it. A week or so later, I received a voicemail saying that they were looking into it, but could n't yet provide me with any additional information. On XXXX XXXX, 2017, I contacted them again. Again, they had no information regarding this payment reversal. My last contact with them was yesterday, XXXX XXXX, 2017, and they are still unable to prove that my payment was not properly made.
BMO Harris Bank made additional errors in opening this credit card account originally, and their customer service trying to resolve these issues has been horrendous. I have been a customer for approximately 20 years, with various checking, business, and credit accounts. I have no faith anymore that this bank is able to properly keep records and will be closing all my bank and credit accounts with them because of these disputes.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied for Capital One Bank Premier Dining card on or around XX/XX/XXXX. It took them several days or at least a week to respond and declined application first time because XXXX  credit bureau had fraud alert but fraud alert did n't contain my phone number. This was was around XX/XX/XXXX when I received an email telling me I was declined. I called Capital One and was assured once I was able to get XXXX to show phone number to contact me that I should be approved for card. I also asked were there going to be more inquiries against my credit. I was once again assured that it would n't be any more inquiries as long as I contact them to reevaluate my credit application. Well, Guess what? Capital one pulled a total of XXXX inquiries against me in past two weeks even though I was assured by Capital one 's manager this would not happen. I was as an result notified a second time my application was declined because XXXX inquiries. Most of my inquiries like 4 of them are from Capital one and two of those inquiries are from the past two weeks! I feel like I was totally deceived and lied too. Why would they keep pulling my credit report when a credit manager told me this would not be done as long as I corrected my XXXX report and contacted them to review my application again within 30 days or by XX/XX/XXXX. I did everything correct only to be told a second time my application was declined again due to XXXX inquiries. I am very angry and will be filing multiple complaints against this company.