davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

ATTN : Legal Dep artment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsecti on ( 8 ) ( D ) . The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sect ion 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FC RA 623 ( 8 ) ( E ) ( iii ) establish es a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  Portfolio Recovery Associates   XXXX ,  XXXX
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TN)

I am a highly qualified   XXXX   XXXX   XXXX  . I joined the  XXXX  force in   XXXX   through an alternative licensing program (  XXXX   XXXX   XXXX   ).  In order for me to   XXXX   XXXX   XXXX  , I had to take and pass multiple  XXXX  exams to ensure my highly qualified status. I was on a transitional   XXXX   XXXX    for two years before receiving my full, non-transitional license. I applied for   XXXX   XXXX   XXXX   with NelNet for my 5 years of   XXXX   XXXX   XXXX   service. I was denied because of my transitional license. I was informed by the Department of Education in Tennessee that my transitional license years should count toward my service. NelNet refuses to acknowledge this and contin ues to deny my application.
Consumer complaint received 2016-08-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (OR)

Calvary Portfolio Svc added a fake/false payment to reage my account to be eligible for collection activity. I have not made any payments to this account in over 8 years. It 's past the 7 years for any type of collection activity.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (KY)

1.Shellpoint Mortgage Servicing, LLC, a collection  agent for  XXXX  has been contacting me illegally concerning my home mortgage. I have an attorney of record,  XXXX   XXXX . All correspondence, or any contact, should go through her office. They have done this numerous times, and must stop this practice immediately. I had the same problem with  XXXX  's debt collector,  XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  wrote a response to CFPB agreeing to extend the no contact agreement until  XXXX   XXXX   XXXX , or the alleged life of the loan.. That agreement should extend to Shellpoint, also. 2. That  XXXX ,  XXXX ,  XXXX , and Shellpoint immediately cease alleging that  XXXX    XXXX   is the Trustee on the Note of my fraudulent Loan.. On  XXXX   XXXX ,  XXXX ,  XXXX    XXXX   agreed to a  XXXX   XXXX  dollar settlement with the Dept of Justice for their fraudulent lending practices.  XXXX   XXXX  admitted the illegal packaging, securitization, marketing, sale, and issuance of residential mortgage-backed securities Their illegal conduct including, shoddy underwriting and improvident lending practices, forced many homeowners out of their homes illegally. These fraudulent Notes were converted between  XXXX  and  XXXX , including our loan.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: MORGAN STANLEY & CO. LLC (TN)

This complaint is necessary to ensure the recovery of a collection firm 's fee s (  excessive relative to the small size of the note ) are not the determining factor in a foreclosure sale currently set for  XXXX   XXXX . Consideration of that issue is requested relative to mortgage complaint #  XXXX , as well as directly related complaints #  XXXX  and #  XXXX  on the issues that precipitated the collection action.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I went to the bank to open an account and was not able to do so because Chex system inc. was reporting incorrect information about me. I contacted chex system XXXX 2016 to dispute the incorrect reporting and to date I have not received any response from them. I know they got my letter because it was sent certified mail with return receipt, and someone from their office signed when they got the dispute letter.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX acquired a mortgage, fell into some financial hardships and after exhausting her savings was no longer able to make another mortgage payment. She applied for several mortgage modifications unsuccessfully with Wells Fargo. At this point, the borrowers hired an attorney 's office to save their property. After receiving a denial for the modification we submitted, the lender refused us an appeal and has the property on the auction for sale.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Irecieved a letter from Capital one, lord and Taylor credit card canceling my credit card,  XXXX  reason given was that Iutilized the services of an attorney for the handling of my account,,, FROM THE COLLECTIONDS DEPT???? i have the letter in my possession and can sed you a copy..i hired an attoney because I believe i had been treated unfairly by the card because they had put damaging information on my credit report which lowered m y credit score  ... they stopped sendind me paper statements and only did online staements without y permission and did not notify me that any payment was due,,,, I had had this card with Lord and Taylor for 40 years and never had any issues until the card was taken over by  Capital one  ... .and was trying to resolve the issues, ,I was shocked that capital one could do this because an attorney was trying to mediate for me as was getting no where trying to deal with the card myself, ,Idon`t think this is a valid reason for canceling a card,,, by the way the crdit card is paid in full,,, thank you for your help
Consumer complaint received 2023-07-20
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: CL Holdings LLC (MO)

There is a charge of over {$1500.00} from Jefferson Capital Systems for XXXX phones that I never ordered. I never owned XXXX of those phones, and I'm assuming that someone used my personal info without my permission. I want something done as I shouldn't have to jump through hoops to get this fixed.
Consumer complaint received 2017-04-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

1 ) I was self-employed and unable to make my mortgage payments after living in my home of 15 years.    2  )  XXXX ,  XXXX , I became employed   XXXX   XXXX   as a  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX  and requested assistance from my mortgage lender,  XXXX   XXXX   XXXX  to do a loan modification.    3 )   XXXX ,  XXXX , while in the middle of completing loan modification paperwork, my mortgage loan was transferred from my mortgage service provider,  XXXX   XXXX   XXXX   to Penny Mac. This ca used a delay in me being able to complete the loan modification paperwork and my house was put into foreclosure despite me processing the paperwork because despite my new employment, I was n't able to get the past due payments caught up. I was told I had to redo the loan modification paperwork fo r Penny Mac.     4 )   XXXX ,  XXXX , I completed  Penny Mac 's  loan modification paperwork and began to make the trial payments.    5 )   XXXX   XXXX ,  XXXX , I had to take   XXXX   leave of absence from my  XXXX  job. My employer began arguing that I did not qualify for my short term  XXXX  benefits even though I had been paying into the benefits from the first day of hire.    6 ) Late   XXXX ,  XXXX , I was approved by  Penny Mac f or the loan modification program upon making my  XXXX  payment. I was told the paperwork could take up to 30 days to arrive to sign and finalize the loan modification.    7 )   XXXX   XXXX ,  XXXX , my income dropped substantially making it impossible for me to make the  XXXX  payment.    8 )   XXXX   XXXX ,  XXXX ,  Penny Mac  sent me a mortgage statement billing me for the full past due amount, stating my " ... loan is severely delinquent, and as such, foreclosure action has began ... '' I was not even given 30 days before they moved my loan from loan modification directly into foreclosure.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Monterey Financial Services LLC (CA)

My vacation club account went into collection as I have had financial difficulty and have not been able to pay. I contacted my original creditor XXXX and they said they transferred/sold the account to Monterey Financial. 

Monterey Financial told me that I need to pay the full balance, OR that I would be sued, and lawyers will file claim for more legal action and my credit will be severely tarnished. 

I explained I do not have the ability to pay, and XXXX said I was stalling and lying. He stated several times that I am in breech of contract and that I need to pay the full balance, and there were no other options. I asked XXXX if he had the contract, and he said he did not. How can you collect on something stating I am in breech of contract when he does not even have the contract? 

He said he will mark my file as " Refused to Pay '' and continue with the legal process unless I have payment to him by end of this month XXXX/XXXX/16. This is the first time I spoke to him on XXXX/XXXX/16! 
I do not have the full balance, can not even get credit and I said I could n't afford that. XXXX said the only option is to pay the full balance. How is this not predatory? I am getting charged fees, high interest and more fees and then I have to pay the FULL balance? I have not received any letter from the collection agency, detailing any information either. 

What is not even clear to me is if I pay the full balance, do I even get my vacation club status active? It seems they are closing my account fraudulently, as I owe a significant amount less than what the value is on my vacation property.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This account is reporting inaccurate information on my consumer report. I have disputed this account with the company and they have failed to do a proper investigation. This account is being reported on my consumer report without my consent and causing me financial harm.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I was interested in the B ank of America credit card, and I decided to give their nearest bran ch a call to discuss its details and if I would be approved based on my information. On the phone, I gave the agent  my credit score,   my future salary with an accepted job offer, my current debt from student loans, and any other important information. He told me I should come into the branch to further discuss this. I went into the branch, and I was told that based on that information, I would 100 % be approved for a card that BoA offered. My main concern with applying here was that I could be denied, and I had previously applied for a card and been denied, in part to medical bills that I have since paid off, and I was now in a better position to apply for a credit card with a more favorable credit report. The agent assured me that I would be accepted for a card, and he submitted an application on my behalf, under the assumption that there was no chance I could be denied.     Well, the next da y I went in to the branch, and I was told I was denied. I spoke with the branch  manager,  and I was told that this was not how agents should be dealing clients, and he opened up a claim for me. Less than a week later, I received an email that the claim was closed, and after calling, I was told they closed it and said there is no chance I could have the hard inquiry removed, even though I was misled into applying for this card by the rep that assured me there was no chance for being denied. I am reaching out to the CFPB to see the unethical behavior BoA exhibited with misleading me , and I hope t o have the inquiry removed from my report.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NH)

XXXX XXXX, 2016 To : Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX RE : Account XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This letter is to inform OCWEN Loan Servicing LLC of the following ; I, XXXX XXXX, have tried several times to speak with assigned " relationship manager '' XXXX XXXX, whom Ocwen has designated however every attempt has been unsuccessful to date. 
I, XXXX XXXX have had several appointments scheduled with XXXX XXXX, however on more than one occasion XXXX XXXX assigned another Ocwen rep to call and/or XXXX XXXX failed to call to assist myself in this matter. The most recent failed appointment dated XXXX/XXXX/2016 where I was informed XXXX XXXX had " changed her schedule '' and was no longer able to speak to me at this designated time. 
Several Ocwen employees whom I have spoken with have given me different answers and misled me to believe I could easily work with Ocwen to resolve this debt. 
The last payment received to the above account was received on-line dating XXXX/XXXX/2016. Ocwen applied this payment to " escrow '' rather than applying it as a monthly payment so as to make it appear I have not made monthly payments. I can prove consecutive monthly payments upon request. 
Ocwen has disabled my ability to pay this debt on-line since receiving the above dated payment. 
On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment of {$7000.00} was attempted via " XXXX '' however was declined electronically by Ocwen. 
On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment in the sum of {$3000.00} was express mailed to Ocwen however has not been applied to the above account and/or returned to date. 
An escrow account with XXXX XXXX has now been established to hold all monies regarding this account until a resolution can be reached. Said escrow account number is as follows ; XXXX I, XXXX XXXX have been informed by several Ocwen representatives that the above account has now been turned over for foreclosure. To date I have not been contacted by a local attorney and/or foreclosure representative. 
I, XXXX XXXX continue to receive threatening letters from Ocwen Loan Servicing to foreclose on my home. I have yet to speak to a representative whom can help me ; all have misled me. 
I have yet to date be answered that this threatening foreclose is a negotiable instrument pursuant to XXXX state law. 

CC ; OCWEN Loan Servicing LLC Ocwen relationship mgr XXXX XXXX XXXX of the XXXX Attorney General XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This debt has been removed from my credit report several times and  XXXX  keeps reinserting them. Sometimes within hours of finding they had been removed. Other times  XXXX  has " sold off '' the account to a subsidiary and reinserted the debt as if it were new!
Consumer complaint received 2024-10-07
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. (MI)

As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. These inquiries are not a result of any actions or credit applications initiated by me, and I believe they were added to my report in error or without my consent. 

I have already contacted the credit reporting agencies and the companies responsible for these inquiries but have not received satisfactory responses or resolution. As a result, I am seeking your assistance in investigating this matter further and removing the unauthorized inquiries from my credit report. 

XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there is a total of XXXX inquires
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.