davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for XXXX XXXX ( A subsidiary of XXXX XXXX XXXX ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

I received a letter from convergent XXXX about a collection debt of {$3500.00}. They say the original creditor was XXXX.client account number XXXX.I do not know who these people are and I do not have any outstanding balance with any company such as XXXX.
Consumer complaint received 2016-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc. (MI)

I have received multiple letters in the mail over the last several years for a debt that was discharged in bankruptcy in XXXX. I believe I received a letter in XXXX, XXXX, and again, today. After each letter, I called the collection agency to advise the debt was discharged in bankruptcy, and even offered to provide a copy of the signed entry of bankruptcy.
Consumer complaint received 2015-07-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (CA)

I am so sick of being a victim of the incompetent gap customer service and fraudulent departments! I called into gap 2 months ago when my account was locked online and was then told that my account had a fraudulent charge and my card was cancelled and sent a new one. They never even notified me and I had no access to any of my old statements because they were all online. I had to go on vacation so I had to make sure that I paid all I owed so I was n't charged a late fee. I spend nearly 6 hours on the phone that week with GAP online purchase department and went line by line of all my orders and credits over the phone and made sure I paid the exact balance minus the fraudulent charges. I just logged into my account online today with the new card only to find that they never even submitted my fraudulent charge for investigation, charged me late fees for 2 months on my fraudulent charge. I do n't see any of the statements or activities for the old credit card even though they told me it would be transferred and I would have access to this information. Both customer service and fraud department tells me I will have to wait another 60 days, they do n't remove the balance from the card, so it looks like I do n't pay my bills and they will keep charging me late fees. I told them that I do not owe them a cent and I paid off everything but the fraudulent charge, and I asked them if they are reporting me as not paying my bills and ruining my credit as a result of this, and of course they do n't know and simply told me that I have to wait 60 days. Gap credit is the most incompetent credit card I have ever experienced, and it feels like there is nothing I can do. If they XXXX my credit I will sue. Not to mention they have wasted at least {$500.00} worth of my time and stress and grief over this. I am furious!
Consumer complaint received 2016-12-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc. (TN)

Two weeks after receiving the XXXX washer and the other half of the sofa ; XXXX of the cushions on the sofa 's seam popped and fluff is showing and the washer started to squeak. I made a video of the washer and took pictures of the sofa cushion. I took them to the store and they guy there said, " Oh, call the service desk and they 'll help you get a new XXXX, especially since you just got it and you have proof it 's messing up '' .Keep in mind ; we agreed to have the protection plan for the sofa, {$310.00} for 3 years and {$290.00} for the washer for 4 years. The guy comes out for the washer on a Wednesday, 2 days before the 30days of having it in my home. He confirmed that the tub/cylinder is not centered properly and that is causing it to rub against the drying pad causing the squeak. When the tech called XXXX, they said this is a known problem, to just put some grease on it and that 's it. Wait WHAT?!!? Are you serious? I said OH NO! I have not had this 30days and there is clearly something wrong, you do n't want to FIX it you want to put a BANDAID on it, so it will break again and be even more messed up the next time. WHY would I pay for something like that!? So my husband and I go to the XXXX store and say we want to exchange it, he said okay, that 's a 15 % restocking fee. Wait a minute, we pay you {$290.00} for an extended protection plan and your tech confirmed something is wrong ... .but now you want me to pay you more to exchange it? The store manager says to call Customer Service and have an escalated ticket completed to see if they 'll waive the restocking fee ... did that. Took my break time at work to sit on the phone with their customer service and that guy XXXX, said he completely understands, that is not right, but obviously the 'escalated ' people do n't feel the same way. They called me back to tell me, nope, unless the manufacture says the machine is " not repairable '' will they waive the restocking fee ... But that is the problem, YOUR TECH SAYS THERE IS A PROBLEM, BUT XXXX DOES NOT ... So now, I am stuck with XXXX hand merchandise that I have to pay full retail price for. NO, COME GET YOUR STUFF!!
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NJ)

Discover credit will not refund money for products not purchased. Billed almost {$5000.00}. The company wo n't answer discover. Got trial product. Returned it said do n't want it cancel. They continued to charge card n set no products. They want to give 45 % credit for something I did n't get n discover wo n't credit my money been 4 months. Call discover said wo n't credit money cause co. Wo n't respond. They have all info n I have complaint numbers from multiple calls
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen holds the XXXX mortgage on my condo. I fell behind in my payments due to my income being reduced by more than XXXX %. I have been trying to work with them on reducing my payments. Each time I call my relationship manager, they are never available and whomever I speak with does n't take me seriously and are not helpful. I tell them I do n't understand why they are unable to reduce my payments and work out a repayment plan. The last time I spoke to someone regarding a repayment plan, he said he would send me an email for me to accept the arrangement. I never received an email nor did they call. I 've followed up with Ocwen on numerous ocassions and am still trying to speak with my relationship manager. I feel as though Ocwen is bullying me and are not trying to help me keep my home. I 'm not sure if it is a language barrier as everyone seems to be in XXXX. They are not a consumer friendly financial institution. They never mention anything about President Obama 's housing programs that you hear so much about to assist homeowners. I 've worked very hard for my home. Since my income was reduced drastically, I 've done everything I can to get this worked out.
Consumer complaint received 2016-05-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC (SC)

Today, XXXX XXXX, 2016 my auto loan company Coastal Credit LLC called my sister company stating that she have been calling for weeks and no one is answering the phone which lead to my co -worker calling asking me about what 's going on .Coastal Credit account representative XXXX XXXX also called my landlord stating she was calling about a personal business matter. At the time of purchase I gave them my work number to the specific office to where I was employed and not that of my sister company. I have ask several times for them to just leave a name and a phone number and I will respond. I have also filed an earlier complaint and I am asking for this complaint to be in conjunction with the one filed in an earlier date.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

ILLEGAL RETALIATION & EXTORTION Federal Law entitles a consumer to file a complaint with CFPB if a financial institution engages in financial malpractice against the consumer. I exercised such right and filed complaints against OCWEN LOAN SERVICING , LLC recently. 

OCWEN agreed to correct its records and give me due credits only after I complained to CFPB. However, OCWEN retaliated against me for filing the complaints with CFPB as follows : 1. Following my complaint to CFPB in XXXX regarding OCWEN 's illegal charges of {$140.00} in my account, OCWEN credited my account for {$110.00} and denied the remainder {$25.00} ( EXHIBIT XXXX, attached ). In the process, OCWEN cancelled accrued modification incentive on my account ( EXHIBITS XXXX, XXXX, XXXX, attached ), but failed to identify and assign other eligible incentive as it proposed in EXHIBIT XXXX despite request that it do so. It is noteworthy that HAMP programs have incentives built in for consumers. 
2. In late XXXX, I filed another complaint with CFPB providing substantiating evidence that OCWEN illegally charged my account for the {$25.00} it had XXXX refused to refund. OCWEN, in turn credited my account for the {$25.00} XXXX EXHIBIT XXXX, attached ). However, OCWEN retaliated against me again by doubling my outstanding balance from {$2300.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ) to {$4600.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ), thus precipitating an artificial delinquency even as scheduled payments were made to OCWEN on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in keeping with an agreement I reached with OCWEN following my Loan Modification as evidenced by the history of my previous payments ( EXHIBIT XXXX, attached ). 

There was no past due payment amount and there is no past due payment amount contrary to OCWEN 's notation in EXHIBIT XXXX. Such entry is an illegal fabrication and purely retaliatory and nullifies California Law that gives the consumer at least 10 days from due date to pay mortgage loan without any penalties. The retaliation is intended to artificially induce financial hardship, enable OCWEN to declare delinquency, charge late fees and foil my satisfactory execution of terms of the loan and ultimately threaten foreclosure.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I refinanced my mortgage last year. Ocwen, the servicer at the time, received and applied full payment on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received a satisfaction of mortgage from Ocwen, nor is the satsifaction recorded with the county in which I reside.
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau Services, Inc. (ID)

I paid off another account a couple of years ago with COLBRSRV and then they decided to add this debt to my report after I paid off the other debt. I have never been to XXXX before. I have asked for a copy of their investigation, but they refuse to provide it. I have also asked that a HIPAA Compliance officer provide signatures and any other documentation that shows that this is my debt, but nobody is providing anything. There are XXXX debts from XXXX on XXXX totalling XXXX and XXXX debt on XXXX totalling XXXX. Neither of these debts are mine.
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Credit Control (CA)

Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to account # XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (LA)

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. 

These Inquiries are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 

XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX/XXXX   XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX   XXXX  XXXX | XX/XX/XXXX XXXX XXXX  XXXX  | XX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-17
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. (IL)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove these charge-off accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$490.00}
Consumer complaint received 2023-05-09
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: SYNCHRONY FINANCIAL (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX. XXXX You are in direct violation of The Fair Credit Reporting Act ( SYNCB/LOWES XXXX ), has violated several of my rights. 
15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not furnish an account without my written instruction.

15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-en consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you an indirect violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (NY)

I sent Notice of Error letters pursuant to 12 CFR 1024.35 on XX/XX/XXXX, and XX/XX/XXXX, to Fay Servicing. 

Fay Servicing sent the enclosed response letter dated XX/XX/XXXX, without correction of any of the errors or mentioning anything about the invalid notice of pendency. 

In the state of XXXX XXXX foreclosure and sale can not take place without a valid notice of pendency. I requested to cancel the foreclosure sale scheduled for XX/XX/XXXX, at XXXX XXXX due to there being no valid or active notice of pendency filed with the court which are violations of CPLR 6511, CPLR 6513 and RPAPL 1331. 

A notice of pendency was filed in this on XX/XX/XXXX, and then it later expired without extension on XX/XX/XXXX. When a notice of pendency is filed in the county where the realty is situated ( see CPLR 6511 ) it is effective for three ( 3 ) years from the date of filing ( see CPLR 6513 ). 

The extension, however, [ m ] ust be requested prior to the expiration of the prior notice. No one made a request to the court to extend the notice of pendency that was filed on XX/XX/XXXX, which was required prior to the XXXX ending period. 

The notice of pendency expired by operation of law. ( See CPLR 6513 ). The statute is clear that an extension of notice of pendency [ m ] ust be applied for, granted, recorded, and indexed before the expiration of the prior three-year period. ( See CPLR 6513 ). That was not done. 

XXXX XXXX requires that a valid notice of pendency be filed at least XXXX days before a final judgment directing a foreclosure sale is rendered, and it is a prerequisite for a valid judgment and sale. That was not done. 

In the state of New York, a judgment of foreclosure and sale ( which is what allows a foreclosure sale to be conducted ) can not be awarded unless a valid notice of pendency ( XXXX XXXX ) has been on file with the court at least 20 days before that judgment is rendered Moreover, Fay Servicing did not advertise the property for sale in a local newspaper in accordance with RPAL section 231 prior of the foreclosure sale date of XX/XX/XXXX.