davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX. XXXX XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) XXXX -Status : COLLECTION ( Inaccurate reporting/Unauthorized ) - {$850.00} -Balance updated : XX/XX/XXXX ( inaccurate ) ( This is not my account ) Reporting late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) This account is inaccurate/ Unauthorized and also unverified. REMOVE 2. XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) -Open : XX/XX/XXXX -Status : collection ( Inaccurate reporting/Unauthorized ) - {$600.00} Update this account to be removed and deleted immediately.

Please respect my consumer laws and honor the changes that are inaccurate and update my report or this is considered a VIOLATION. REMOVE/ DELETE, Pursuant to 18 USC 8, Owe no debt. This company is violating my consumer rights to privacy pursuant to 15 usc 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. If this item doesn't show delete/ Remove this will be considered as a VIOLATION under 15 usc 1681s-2.

3. Unauthorized inquiries that were violating my report due to no consent given/ I did NOT GIVE NON OF THESE COMPANIES PERMISSION TO PULL MY REPORT. Please remove it immediately. 
- XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX, XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX  XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) These companies all violate my rights 15 usc 1681s-2
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have attempted to dispute this debt on multiple occasions, dating back to 2018. Each time XXXX refused to remove the information. I have since learned there has been a data breach of my information including my highly sensitive social security number which opens me up to a realm of identity theft.
Consumer complaint received 2023-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

We have had our home mortgage through PHH mortgage since XX/XX/XXXX, and purchased for {$410000.00}. We put a minimum amount down due to the interest rate being so low. We new that once our loan amount was lower, or value increased, we would be able to drop our PMI. 

As of today, XX/XX/XXXX, our payoff is roughly {$370000.00}. The housing industry has vastly increased since we purchased our home. In XX/XX/XXXX, we payed PHH the requested amount to obtain a Broker Price Opinion. Multiple houses on our neighborhood with similar square footage have sold for over {$500000.00}. We were confident that based on this information our Broker Price Opinion would adequately reflect the market increase. Upon contacting PHH and requesting an update multiple times, we were advised that the BPO came in at {$420000.00}. Perplexed by this, we had them send us a copy of the appraisal. We were rather surprised to see that the appraiser forgot to include any of our fully finished walk out basement in the basement square footage portion of the BPO. The bedroom, bathroom, and number of rooms on the BPO repflected the rooms in the basement. Pictures of these rooms were also included in the BPO. We contacted PHH, who also has the original appraisal from XXXX, which reflects the basement square footage. The original appraisal was a fully in-depth appraisal performed by a state certified appraiser, not a real estate agent performing a broker price opinion. PHH said they were aware of this, and would take it into consideration, but also requested the legal description of our house. We submitted all information requested, even though they should have it. The most recent email from PHH is requesting additional legal documents that reflect the propertys square footage. PHH gave us the original mortgage based off our original appraisal showing a total square footage of XXXX. This appraisal was considered an acceptable documentation of our homes square footage when obtaining a loan from PHH.

We have gone back and forth, and PHH refuses to use our square footage from the original appraisal, and refuses to allow another BPO to include all of the homes square footage.

PHH is expressing predatory lending habits and is taking advantage of a XXXX veteran
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AE)

I hold an Platinum credit card account with American Express. One of their benefits offered with the card is a {$50.00} credit when making a purchase with a specific vendor, XXXX XXXX XXXX. I made a qualifying purchase on XX/XX/XXXX in the amount of {$67.00}. Amex issued the {$50.00} benefit credit on XX/XX/XXXX. 

The item was not received and was lost in the delivery process. The vendor provided a credit to reorder the item on XX/XX/XXXX. On XX/XX/XXXX, Amex charged me {$50.00} as a retroactive revocation of the benefit paid on XX/XX/XXXX. 

The terms and conditions of the cardholder agreement between American Express and myself state that the benefit amount can only be revoked under certain circumstances : " Statement credit may be reversed if the eligible purchase is returned/cancelled. '' or " If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. '' I contacted American Express about the credit reversal and explained that I neither returned nor cancelled the order. I made a qualifying order that met all the conditions listed in the terms and conditions and was credited the benefit accordingly. The vendor provided a credit to reorder the merchandise based on it not being delivered. American Express responded that they would reverse the credit in any case in which the charge was reversed, even if it did not involve a return or cancellation. I asserted that their revocation and policy was not consistent with the terms and conditions, but they refused to change their position on the {$50.00} retroactive bill for the credit.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

My online account locked by credit card company and I tried calling them during the covid times but they didn't respond to the issue. XX/XX/2022, I tried explaining this to Citi bank and requested them to remove the interest charges as its not my fault but they didn't. I received call from company executive team regarding the issue after I raised it from CFPB, they agreed that my account was locked and I re-registered the credit card but still asked me to pay the completed amount. 
I tried calling citi bank many times, they acted as if they don't care. I tried explaining the situation and resolve it but they were adamant and locked my account while I was on chat with the customer care. 
Even the executive customer service member was like you own a credit card you pay the bill, in the same call she looked at my log on records and told me about the re-register situation after customer service resolved the issue.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act. The list below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
Account # XXXXXXXX XXXX XXXX  Has violated my rights. 
Account # XXXXXXXX XXXX XXXX  Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXXXXXX XXXX XXXXXXXX has violated my rights Account # XXXXXXXX XXXX XXXX has Violated my rights 15 U.S.C 1681 Section 602 A States I have a 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 items of information other then records of convictions of crimes which antedate the report by more the seven years.

15 U.S.C 1681s-2 A 1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act. The list below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX  XXXX has violated my rights Account # XXXX XXXX XXXX has Violated my rights 15 U.S.C 1681 Section 602 A States I have a 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 items of information other then records of convictions of crimes which antedate the report by more the seven years.

15 U.S.C 1681s-2 A 1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-04
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. (TX)

I am contacting you to request the deletion and removal of the specified accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported in any way, as their inclusion violates the FDCPA and FCRA. I kindly ask for their immediate removal from my consumer report, as their presence infringes upon multiple laws. Please take prompt action to remove these accounts and information without delay.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2023-06-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Phillips & Cohen Associates, Ltd. (VA)

On XX/XX/2023 at XXXX XXXX  EDT, I received a call from XXXX. The woman calling said she was with XXXX & XXXX ( who appears to be a debt collecting company if we are to believe their website ). She asked me to confirm whether XXXX XXXX XXXX XXXX has passed away. As this is my father and he did recently pass away, and as my brother and I are managing his affairs, I said yes. Then she asked if I was the executor for my dad, and I said no, that's my brother. She started asking for his information. I asked her point blank who she's representing and what this is about, but she made it sound like some laws prevented her from giving any further details to anyone but the executor. She immediately said, " So what's your brother 's phone number? '' to which I reflexively gave it to her, then immediately regretted it and went to warn my brother. 

About a week later ( XX/XX/2023 ), they had somehow obtained my brother 's mailing address as he received a letter telling him to contact them as they are seeking the executor on behalf of their client, whom they still did not disclose. ( I have attached an image of that letter to this complaint. ) Two days later ( Thursday, XX/XX/XXXX ) I received an email from them telling me to get in touch about the issue. ( I have attached a copy of this email to this complaint. ) My email app suggested that the email was part of a mailing list and gave me the option to unsubscribe, which sounded fishy. Also, my brother and I had already been managing my dad 's affairs been extremely efficient and proactive about managing our father 's affairs, so it seemed fishy. 

I just googled their " XXXXXXXX XXXX XXXXXXXX '' and the word " scam '' and found numerous 1 star reviewers of this company on the XXXX XXXX XXXX website suggesting the same pattern of scammy behavior with other folks who recently lost a loved one : ( XXXX XXXX XXXX ). 

I suspect I hope you can go after these folks and shut them down- this is the ultimate unethical behavior - preying on people who have just lost a loved one - despicable!
Consumer complaint received 2018-04-14
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: EQUIFAX, INC. (OH)

I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX XXXX the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : 1. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

2. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the address within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.
Consumer complaint received 2023-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (NM)

My housekeeper who has no credit history needed a vehicle after her old one was stolen. I agreed to co-sign for a loan so she could purchase a XXXX XXXXXXXX XXXX. When I inquired at XXXX XXXX, XXXX XXXX, NM, about the finance company, I received no answer and didn't learn about the company till they sent me their billing information as a co-owner. I was horrified that the interest rate was nearly 12 % and this company wants payments from both my housekeeper and me. I researched the finance company and learned it was a subprime lender, Santander Consumer USA, already being sued for fraud in 2 states. I have tried texting and phoning them about their interest rate but have received no response. If this 72 month loan is paid off, it would amount to about {$9000.00} extra in their pocket. I consider it a rip off and wonder if this company is actually legitimate.
Consumer complaint received 2021-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Resource Systems, Inc (CA)

I have a collection account with united Resource System. The original creditor is XXXX XXXX XXXX XXXX. This was brought to my attention XX/XX/2020. I have always paid them at time of visit and have no problem making my payments to them. The amount is very small {$62.00} and would not have had an issue paying them. I never received any info regarding this bill. This is drastically impacting my credit and ability to purchase a home and a vehicle in the near future. The company will not help me with this unfair resolution.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TN)

I have attempted to dispute this debt on multiple occasions, dating back to 2018. Each time NCB refused to remove the information. I have since learned there has been a data breach of my information including my highly sensitive social security number which opens me up to a realm of identity theft.
Consumer complaint received 2024-03-08
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. (TX)

I am writing to express my dissatisfaction and frustration regarding the repeated attempts to rectify the late opening of my account with your esteemed institution. Despite my continuous efforts to resolve this matter, I have encountered significant challenges, leading to undue inconvenience and financial implications on my part. 

I would like to bring to your attention the following issues I have encountered : Communication Breakdown : Despite numerous inquiries and follow-ups, there has been a noticeable lack of communication regarding the status of my account opening process. This has left me feeling uninformed and uncertain about the progress made. 

Administrative Errors : On multiple occasions, discrepancies in the documentation submitted have been cited as reasons for the delays in processing my account opening request. However, upon careful review, I have found no inaccuracies in the information provided, raising concerns about the efficiency and accuracy of your administrative procedures. 

Financial Implications : The delays in opening my account have resulted in missed opportunities and financial implications, including late fees and penalties incurred due to the inability to access necessary banking services in a timely manner. 

Customer Service Experience : The overall customer service experience has been subpar, characterized by unresponsiveness, lack of accountability, and a failure to address my concerns in a satisfactory manner. 

Given the aforementioned issues, I urge you to take immediate action to rectify the situation and expedite the opening of my account without further delay. Additionally, I request compensation for the inconvenience caused, including reimbursement for any financial losses incurred as a result of the delays. 

Furthermore, I expect a formal acknowledgment of this complaint and a detailed plan outlining the steps you will take to prevent such incidents from occurring in the future. As a valued customer, I believe that transparency, accountability, and timely resolution of issues are paramount to maintaining a positive relationship with your institution. 

Please treat this matter with the urgency it deserves, and do not hesitate to contact me should you require any further information or clarification. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$17000.00}.