davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NC)

Recently, I did an investigation on my credit report and have found questionable reporting practices and failure to meet minimal requirements with XXXX XXXX and LVNV. I have written several letters to all three credit bureaus back in XXXX, as noted in your system asking for validation. All have claimed that they have verified the inaccuracies XXXX XXXX has reported on my credit report. 

On XXXX XXXX, XXXX I have sent a letter directly to XXXX XXXX and LVNV asking for a correction and/or prompt removal of incomplete, outdated or unsupported information. To date, nothing has been updated. 

As a consumer, I request to know all of the steps this agency took to ensure that these items were reported as 100 % accurate under 15 USC 1681i ( 7 ) Method of verification. Description of reinvestigation procedure.
Consumer complaint received 2024-04-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (GA)

Bassett furniture provided a 36 month 0 % APR financing for their charge card I was approved for. The associate and their manager confirmed that no interest would be charged to my account as long as I paid off my balance during the promotional period but there was multiple instances that showed my statement charged interest that should have never accrued on my account and after paying off the card, there is a {$14.00} balance they have been charging me {$2.00} each month since I paid my account off. That {$14.00} charge has now led to collection status on my credit and negative marks on my credit as well. I have conversation where the associate said this will be fixed but it has not and now Im reaching out to you all to get them to remove the derogatory marks from my credit and the balance owed on this card as they are not viable.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

I applied for XXXX XXXX XXXX credit card on XX/XX/XXXX and got approved. 
I did not have a XXXX XXXX account at that time. 

I later tried to open a XXXX XXXX account on XX/XX/XXXX and could not use my email address as that was already used for another account and that is how I learned that Chase created a XXXX XXXX account using the information from my Chase account. 
The problem is that they used wrong information for my name and mailing address so I could not activate or sign in with that account. So I created a new account instead. 
I asked Chase about this and they said the reward points were posted to the account I could not access. 

As I was not able to access the account Chase created, I asked Chase to transfer my reward points to the new account via a secure message on XX/XX/XXXX. 
On XX/XX/XXXX, Chase told me that they can't do this because my information is not matching on my accounts and need to contact XXXX to combine my XXXX accounts and update my information. 

I contacted XXXX and tried to combine XXXX accounts but i was not able to do so as the account Chase created did not have correct information. I tried to resolve this issue through XXXX multiple times but could not.
Consumer complaint received 2024-04-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (DE)

I attempted to use an America. express gift card. I have a balance of {$220.00}. I cant use it to make any purchase anywhere I have tried to use it. Its only worked one time. The company has provided no solutions and says it is my problem.
Consumer complaint received 2023-12-08
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: JPMORGAN CHASE & CO. (FL)

Original Complaint On XX/XX/2023 I purchased a piece of furniture for {$2600.00} from XXXX XXXX. The purchase was made via my Chase credit card. The order form stated a delivery date of late XXXX - early XX/XX/2023. As of XX/XX/2023, the item was not delivered. I contacted the company and was told the item would be sent in XXXX. The item never came. I contacted the company again and was told it would be delivered in XXXX. Come XXXX the item never came. I contacted the company and was told maybe next month. At this point the company was not giving me an estimated date, and I felt the like the order was a fraud. I told the company in an email, " unacceptable '' I know longer want the merchandise. It was months past the delivery date. I did not get a response. Come XX/XX/XXXX, the company dropped the item off at my house. I did not sign for it. I contacted the store, and they are currently in XXXX XXXXXXXX. They are now run by a liquidation company. I called my credit card Chase to dispute the purchase. Chase opened the dispute under the category " item not received ''. The company provided the delivery date and Chase closed my dispute. I reopened the dispute, telling Chase all of the facts. Chase closed the dispute this time stating I did not attempt to return the item. I did in fact attempt to return the item, and I did not accept it either. 

Company 's Response We reviewed your account and confirmed that our previous findings for your {$2600.00} charge from XXXX XXXX on XX/XX/2023. The charge is valid because we have not received valid supporting documentation showing you attempted to cancel prior to delivery, and attempting to return the product. If you can provide proof that you told the merchant that you wanted to cancel prior to the delivery date and requested a refund with the merchants response ; we will review the case again. The documentation that we received is not valid, it does not indicate you requested to cancel and want a refund. The charge will remain on the account. We encourage you to work with the merchant directly, or seek other options outside of the dispute process to obtain a credit. 

My additional information, I did provide evidence that I wanted the order canceled. Attached I am providing the whole email change. I clearly asked to have the order canceled.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (CA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I was asked by the homeowner, who has a mortgage serviced by Ocwen Loan Servicing to facilitate a short sale because her home remains under water. She has exhausted all possibilities to obtain mortgage relief under HAFA, HAMP, etc because her mortgage is not FHA, XXXX or XXXX. Her interest rate remains relatively high and she pays taxes and insurance separately. This mortgage started out under Homecomings. The home was listed for sale XX/XX/XXXX and most recently obtained a favorable offer at list price which still represents the need to do a short sale. All docs required for a short sale review were emailed and/or faxed to Ocwen between XX/XX/XXXX-XX/XX/XXXX. I was sent a message via XXXX by Ocwen to accept the short sale negotiation task which I did during this timeline as well. The borrower as well as myself have complied within 24hrs of all of Ocwen 's requirements and I received a notice from Ocwen that the home is being Auctioned. All parties, mainly the homeowner has a HUGE issue with this because she still lives in the home, is current on the mortgage, has obtained an offer at the marketed list price while Ocwen has NOT performed the required BPO or appraisal on the home, has not reviewed the offer nor completed the short sale guidelines based on my experience with Ocwen previously but yet has put the homeowner at a great disadvantage because advertising this home as an Auction on the internet totally jeopardizes her safety ... especially in this neighborhood! Upon my conversations with XXXX Ocwen representative today, neither of them could provide reasons for an Auction when they currently have a completed package, per their guidelines, to review. I was told that the " investor '' requested the auction. However, no value has been issued by Ocwen neither has the offer presented been reviewed or a counter issued by Ocwen or the investor. I am very concerned about these fraudulent practices especially when the borrowers account reflects over {$1400.00} in late charges from XX/XX/XXXX when the existing mortgage rate was raised to 11 % and foreclosure notices were issued. The interest rate was reduced to approx 8 % currently which grossly exceeds the market interest rate and Ocwen refused to eliminate and cease to collect on late charges that accumulated during the review and resolution time period and continues to grow.
Consumer complaint received 2022-10-17
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-04-28
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NY)

I applied for an income driven repayment calculation/modification to lower my monthly payment. The email correspondence was toon quite a bit of time and took days or weeks for replies from the servicer. The servicer has/had limited phone hours in comparison to my schedule and even when I found time to call wait times were long and difficult to manage. Finally I thought everything was set as I was told by the loan servicer. However processing by the servicer took longer than suggested time and even though the consolidation finally went through loans were reported 30, 60, and 90 days past due. I called the servicer, Nelnet, and was told 2 loans were reported late in error but that it would be corrected. I didn't need to provide any additional information, paperwork, or documentation ; it was simply an error on their end. Still months later all three major bureaus have me as 30, 60, and 90 days late on my student loan during that time. Nelnet representatives told me they would handle the correction due to me. Still nothing has been done. As an adult in my 40s this is the only derogatory mark on my credit and it prevents plans for my family of taking place ( i.e. college for my child and smaller home purchase ). My credit scores at all three bureaus have dropped over 100 points solely because of this error.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (CA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OK)

I am unable to obtain a accurate score or to have the information updated. with XXXX Equifax or XXXX they are violating several U.S.C. codes as well as Metro 2 compliance and the FDCPA. I have made multiple attempts as well as phone calls with no resolution or resolve in these matters. I will not tolerate the level of unfairness in regards to these multiple violations this results in damages that I will seek to recover through litigation.
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Penn Credit Corporation (NY)

I called XXXX XXXX on Monday, XX/XX/year> at XXXX to discuss a violation with the city. I believe the collections attempt is invalid and as the letter states, I must write back contesting the validity of the debt if I want to get them to stop collections efforts. The letter has a few different addresses, so I wanted to make sure I had the correct address. When I called, I asked the agent for the address. He gave evasive answers and started to ask me about the debt. He wouldn't give an answer about the right address of where to send my note contesting the debt. I pointed out that he wasn't giving me the address, despite the fact that I asked for it multiple times. He said contesting it was just a " legal procedure '' and I shouldn't focus on that. I told him that I was familiar with the Fair Debt Collections and Practices Act and that I just needed the address so I could contest the validity- as he pointed out, that is a legal step I should take. The agent was combative, but more importantly repeatedly tried to get me not to send a letter contesting the validity of the debt.
Consumer complaint received 2021-01-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

We paid off our mortgage on XXXX XX/XX/XXXX. We paid it off 20+ years early to get out from under them. We have yet ( XXXX XX/XX/XXXX ) for Lakeview Loan Servicing , LLC to send the lien release documents to our county to process the title. They are essentially holding our house hostage. I have called numerous times to try to resolve this. I have been hung up on, dropped from calls, been talked down to, endured literally hours on hold, never talked to the same person, had the issue escalated and supposedly expedited. I was never rude, but my frustration with the process was evident. I even apologized for my frustration! I have NEVER had this kind of difficulty with any company, including Medicare! All we want is for them to send the lien release documents to the county. Our county has NEVER received anything from XXXX. I am considering legal action, but to pay extra for something the company should be doing is outrageous! They were fine so long as we owed them money, but the minute the loa was paid off, it has been a different story.
Consumer complaint received 2023-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I did not receive the Retail Installment Sale Contract with my paperwork. The loan apr was based on the original price they tried to charge of over {$28000.00}. The loan apr was not adjusted to reflect the new amount of {$22000.00}. I dont have any paperwork from the dealer with banking information regarding the loan terms, payment amount and APR. There are other issues regarding removal of manuals from the vehicle, misrepresentation of obtaining a second key and misrepresentation of dealership warranty that have also been reported to the appropriate agencies.
Consumer complaint received 2024-04-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLIANT CREDIT UNION (FL)

The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for two full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX  XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Consumer complaint received 2023-12-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (TX)

Prior to XX/XX/2023, my mortgage payment was XXXX, and I received the bill notice and all other correspondence at the address on record ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ). Apparently, some time in XXXX or XXXX, the payment increased to XXXX. However, without my consent, all correspondence, including bill notices, from the mortgage servicer, XXXX, were being sent to another address that I did not provide the company. So, I continued making the payment of XXXX. In XXXX, the company returned my payment, so I contacted the company to inquire about what happened. 
During that call, I was advised my mortgage payment was past due since XXXX However, prior to the returned XXXX payment, my payments of XXXX were still accepted and not returned. If the payment was insufficient in XXXX, then it was also insufficient in XXXX and XXXX. Unfortunately, several calls later XXXX still refuses resolve a problem that was the result of their action and I am being penalized for it.