davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc. (GA)

Subject : Cease Unauthorized Credit Reporting Immediately - Legal Reference to Georgia FCRA Identity Theft Fraud Laws Dear CREDIT MGMT, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as per Georgia state regulations, particularly Sections 10-1-910 and 10-1-912 of the Official Code of Georgia Annotated ( OCGA ), which outline identity theft fraud laws. 

It has come to my attention that CREDIT MGMT Account Number : XXXX has been reporting information to my credit report without obtaining my explicit consent. Under federal and Georgia state law, including the FCRA and the Georgia Identity Theft Act, such reporting activities without consumer consent are unlawful. 

I have not provided consent for CREDIT MGMT Account Number : XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, subjecting me to potential damage to my creditworthiness and demonstrating disregard for both federal and state laws. 

I demand that CREDIT MGMT Account Number : XXXX immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by relevant sections of the FCRA and Georgia identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including the Georgia Identity Theft Act. 

Obtaining consent is not a choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations aimed at protecting consumers from unauthorized and damaging credit reporting. 

I expect CREDIT MGMT Account Number : XXXX to rectify these violations promptly and respect my rights under federal and Georgia state laws. 

Sincerely,
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XX/XX/XXXXXXXX Balance Owed XXXX {$12000.00} ; XX/XX/XXXXXXXX Balance Owed : {$0.00} ;XX/XX/XXXX XXXX Balance Owed : {$2700.00} XXXX XX/XX/XXXXXXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XX/XX/XXXX XXXX Balance Owed : {$12000.00} ;XX/XX/XXXXXXXX Balance Owed : {$2700.00} ;XX/XX/XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ;XX/XX/XXXX
Consumer complaint received 2024-02-07
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: HYUNDAI CAPITAL AMERICA (NJ)

As a Joint account, I am requesting to be Removed XXXX XXXX Credit report as Payment history late. XXXX no longer has access or contact with me in this car lease. As far as the late history thanks for your regards to my loss. I am requesting and insisting in a goodwill For XXXX XXXX Credit report to be removed. as well as proof of late discrepency as youreport.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHERRY TECHNOLOGIES INC. (TX)

The issue involves the reporting of a charged-off account and the failure to provide the required Form 1099-C for canceled debt. A formal request was made for the issuance of Form 1099-C to ensure accurate reporting of the canceled debt, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided.

It has been noted that once a debt is canceled and a Form 1099-C is issued, the credit report should no longer show a remaining balance due. However, the status of the account has not been updated to reflect this. Relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ), Internal Revenue Code ( IRC ) Section 6050P, and others, were cited to emphasize the importance of accurate reporting and compliance with legal requirements.

The resolution requests include the issuance of Form 1099-C within 30 days, immediate deletion of the reinserted charge-off from the credit report within 45 days, and compliance with the Servicemembers Civil Relief Act ( SCRA ) within 60 days, among others. Failure to provide Form 1099-C within the specified time frame may result in the filing of IRS Form 3949-A.

Thank you for your attention to this matter.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

We have paid our mortgage in full and on time since its inception in XX/XX/XXXX. We have no escrow account and have always paid our insurance and property taxes on time and in full. In the summer of XX/XX/XXXX OCWEN charged us for forced place insurance even though we had insurance. They never sent us notification of this or the reason why it was necessary. We had insurance thru XXXX XXXX at the time. I didn't realize they had done this until I got a collection call from them stating that we were 90 days past due on our loan. During that conversation I was also told that forced place insurance had been applied in early XX/XX/XXXX as well. I pulled our credit report and found that OCWEN had indeed reported our loan 90 days past due. Over a six ( 6 )  week period I spoke with numerous OCWEN customer service agents, XXXX xXXXX, XXXX XXXX x XXXX, XXXX XXXX, XXXX XXXX, XXXX xXXXX, and was told that XXXX  had not provided them with a copy of the policy. XXXX  provided proof that insurance was in place and never lapsed, and provided me with a copy of the fax transmittance. OCWEN promised that once they received the documentation from XXXX they would ( 1 ) removed the forced place insurance, ( 2 ) credit the charges associated with the forced place insurance, ( 3 ) issue a letter to us showing that we were not at fault and had never been late on our mortgage, and ( 4 ) correct our credit report. As of this date, OCWEN has ONLY removed the forced place insurance for XX/XX/XXXX and credited the charges associated with XX/XX/XXXX. I have made over 20 calls and spent over 6 hours with OCWEN customer service trying to correct this -- the last of which was with XXXX x XXXX on XX/XX/XXXX. Due to OCWEN 's incompetence and careless regard for our credit standing, our three ( 3 ) credit reports have shown us 90 days past due since XX/XX/XXXX. Nothing seems to get them to correct their error and nobody seems interested in getting this fixed. 

My first attempt at correcting this error ended with OCWEN stating that they did not have proof of insurance for the dates they show as lapsed. I found this strange as when I contacted them on XX/XX/XXXX at XXXX CST their XXXX XXXX at extension XXXX told me that he could see them in the system. 

I am including them with this complaint. 

Any attempt you could provide would be greatly appreciated.
Consumer complaint received 2023-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/23 I applied for auto payment to receive the 0.25 % interest rate reduction. 
I have 13 individual loans with Aidvantage. Only 1 of the loans had the auto payment request processed. 

I have reached out on multiple occasions ( on XX/XX/XXXX, XX/XX/XXXX ) via the inbox method and by phone call on XX/XX/XXXX to check on the status of my auto payment application and it has not been resolved. 
Loan interest is now accruing without the auto payment rate reduction almost for an entire month.
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CARVANT FINANCIAL LLC (NJ)

Car was purchased 4 years ago and was in an accident with the vehicle. The company I had purchased it through claimed to have provided gap insurance and after the accident they told me it would be taken care of with the gap insurance. Now 4 years later its still on my report as an open loan and when I report it to XXXX XXXX or XXXX they reject it. I contacted the car dealer and requested documentation about the vehicle and at first they claimed they had no record of me then they claim it was sent to collections but dont know where then they claim it was actually covered by gap and no matter what documents i requested they deny my requests to send it as its a closed file and they dont have it on them. Theyre suspicious, liars and scammers. I dont want this car as an open loan when I havent had the car in 3 years and was told it was covered after the accident. 

Even the payment information they report is wrong cause they claim I paid XXXX in payments which is a lie cause I paid almost half the car off at the time of the accident. Also one of the photos shows the date when the photo of the vehicle was taken
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the F Credit Reporting act. The list of accounts below has 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 DPT EDXXXX # XXXX Has violated my rights. 






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 reports containing any of the following items of the information. Any other adverse item of information, other than records of convictions of crimes which anteater the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any into relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CT)

A claim was filed on my Chase ATM/Debit card for the amount if {$730.00} from XXXX XXXX XXXX XXXX , posting date of XXXX. I attempted to provide XXXX tracking information showing a scribble forged signature from XXXX, however, I do not have access to a fax machine, I am attempting to provide the information here via an image of tracking info with forged signature. Further, XXXX has closed their investigation in re, claiming I received package, ID supposesly shown..The package was delivered to a XXXX  location at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, this is a drop off point. When I visited location at around XXXX XXXX on XX/XX/12, I was told package is not there, I did not show ID at any point. Further, the scribble is not how I sign my name. Unfortunately, XXXX closed claim, it appears package intercepted by a third party at location. I requested copy of ID supposedly shown, however, nothing provided
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: P&B Capital Group, LLC (TX)

This complaint is to formally advise P & B Capital Group that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second correspondence and I have had no correspondence back from your company in over 45 days. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation - Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to XXXX is not the same balance that I had with the original creditor. Whatever liability I had with the original creditor has since been satisfied and that is why XXXX and XXXX is not reporting this inaccurate information. This complaint will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased/forward flow agreement. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. The dispute letter sent on XX/XX/year> is attached which is dated and time stamped for your reference.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

The account for XXXX was paid in full on XX/XX/2018 and disputed with Navient. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with this..
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I have a long running dispute over a series of charges made on my Citibank mastercard. 
My issue was with a charge made with XXXX XXXX of XXXX on XXXX and subsequently on XX/XX/XXXX of XXXX. I errred when using their online app and wound up charged three times ( {$1900.00} ) for my annual service of {$640.00}. I was instructed to contatc the merchant for a refund. Merchant said they would process, but did not tell me there would be a credit of {$1200.00}. Because of that, I initiated a dispute with Citibank. They did provide me with an account credit of {$1200.00}. Unfortunatley, their recovery from XXXX coincided with a return provided by the merchant resulting in a double dip. XXXX recharged, without authorization the {$1200.00}. 

I asked to dispute this, both by using Citi 's online system and through their actual reps to no avail. I've been attempting to address this with Citi to no avail and received a notice that I will have to pursue resolution on my own end/by other means. 

Please help
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as DELETE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

I purchased a computer using a XXXX XXXX account. The account was later sold to Comenity Bank. Comenity took over billing in XXXX, but never sent me a welcome packet or billing statement. I called Comenity multiple times and asked for an account number but none of their representatives have been able to provide the account number so that I can set up the new account. I can not access my account through XXXX anymore and Comenity will not provide the new payment details, but they are reporting the account delinquent.
Consumer complaint received 2022-02-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX {$14000.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO. (NY)

I applied for the XXXX and XXXX for a mortgage and did not receive a reason as to why I didn't get the mortgage loan. 

May I have the letter and the specific reason why I was denied?
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (FL)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXXL Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC (TX)

Rocket mortgage reported my account 30 days delinquent. I never received a call or letter notifying me that my loan was behind I am set up on auto draft and funds are pulled biweekly. I received notification from my credit monitoring that a report showing over XXXX was reported on my mortgage account. I do not receive any monthly billing statements at all that is due to auto draft. They confirmed my information and have had my email and cell number and never called. I have never paid my loan late. Or any mortgage for that matter. They are still holding a partial payment and after I spoke to them I made up the difference the requested. I am extremely upset that I was never told of the auto draft issues. I want this removed from my credit bureau immediately.