davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (OH)

Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. 
The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.
Consumer complaint received 2022-01-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

Dear Sir/Madam, XX/XX/XXXX. Good Morning. Happy XXXX XXXX. I am still awaiting on the forms to file a complaint on my student loans. I only owed about {$360.00} on my student loans and I have proof of my balance. I tried to contact Nelnet student loan services about 24 times with no success. My social security # XXXX XXXX XXXX and my e mail is XXXX and my telephone # XXXX, My address is XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, NY XXXX. Please send me the forms to file a complaint that I applied for since XX/XX/XXXX. Thank XXXX XXXX
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/2019, I was contacted by a sales rep from XXXX XXXX XXXX. XXXX XXXX sold me advertising space on an upcoming brochure. I was told by XXXX that I would pay {$490.00} on my credit card and I would sign a docusign contract for the ad. I would also receive an email the next day from the art department of XXXX XXXX XXXX, requesting my artwork. That evening I discovered the sales rep had not been truthful about who referred her to me. I was no longer comfortable about this transaction. On XX/XX/19, I called Choice Media, no answer, so I left 2 voice mails explaining I wanted to cancel the ad. Later in the day, on XX/XX/19, I received an email from XXXX XXXX Art department requesting artwork. I responded saying I wish to cancel the ad. There was no other response from XXXX XXXX. A week later I saw the charge of {$490.00} on my Capital One Mastercard statement. I used the Capital One phone app to dispute the charge.

XX/XX/19 Cap.One responds that they found in favor of merchant. see attached. 
XX/XX/19 I finally reached XXXX XXXX. They were hostile. They acknowledge receipt of my desire to cancel, but informed me I could only resolve my dispute through Capital One. I responded to CapOne with more documents and explanation. See attached XX/XX/19 I responded again with the documents for the 2nd time. 
XX/XX/19 XXXX at CapOne said my dispute denied for originally submitting an incorrect reason for dispute. This is the first time I am hearing this. She said she will resubmit under correct reason and problem will be resolved XX/XX/19 Received letter from CapOne about dispute. I called CapOne and spoke to XXXX. She went through the story about the original reason being incorrectly submitted and claimed it would again be resolved. This is now the second time I am being told the original reason for dispute was incorrect. I am confused over this comment because the CapOne app was the method I used to submit my dispute and I am not sure what reason was selected at that time. 
XX/XX/19 Speak to XXXX, then manager XXXX at CapOne. I am now being told that my dispute was declined because I signed a non refundable contract. This is a new reason being provided by CapOne and does not support their 2 prior explanations for denial. I am now 3 months into this dispute. The merchant does not return emails or phone calls. XXXX XXXX told CapOne no refund once ad had run. They never created an ad or received any artwork to produce an ad. CapOne has paid the merchant and has charged me {$490.00}. XXXX XXXX XXXX is in XXXX, WA and I have no way of taking them to small claims court.
Consumer complaint received 2020-12-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

We are filing a complaint with ocwen for failing to rectify and correct wrongful overcharges from prior lender ( Saxon ) and for ocwen wrongful cost in modification. We seen were CFPB brought suit against ocwen XXXX, XXXX for failing to investigate errors in escrow and excessive fees charged. Immediately when our loan transferred to ocwen XXXX, XXXX we filed a complaint with CFPB XXXX complaint XXXX XXXX are just a few each one with the same issues. Ocwen in XXXX when we modified added the escrow overcharge to deferred principal knowingly that the XXXX modification was incorrect by XXXX overcharge of escrow. We have been charged 80 months accrued interest now since the XXXX modification. 
The XXXX ocwen modification ( letter dated XXXX XXXX that you have in your file also shows wrongful charges. They only credited XXXX trial payment of XXXX instead of 3 which they failed to credit XXXX, they delayed modification from XXXX to XXXX classifying it as a step two which resulted in excessive legal fees, They placed positive escrow of XXXX into escrow application fund, we paid XXXX from payments to escrow, modification advanced XXXX and XXXX escrow was classified on payment history as a loan application. 
How could our escrow turn into negative XXXX XX/XX/XXXX? 
Ocwen failed to investigate and rectify all wrongful over charges, and failed to credit properly knowing first handed we were abused by both lenders being seniors on a fix income
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (MS)

I would like for the bureaus to highly look into this matter as soon we possible and remove the items that do not belong to me. It is honestly unfair that I have to go through this and do all this research when things could just be done correctly the first time. Thank You!
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I went to use my BJs card and it was denied. So embarrassed. I called the company they said I never sent in a payment. They received my payment of {$750.00} on XX/XX/22. They said sorry we are updating our system. Meanwhile they wont let me use my card, they can not tell me when they are going to find the money and it is going on a month. This is Comenity Capitol Bank.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service (NV)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-03-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with XX/XX/XXXX long story short is my account is closed but XX/XX/XXXX give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX. 
I hope all is well. 
Please note that I have been trying to verify and validate the accounts listed on my credit report since XX/XX/2022. 
There is no information about the creditor, yet it is still being reported monthly to my report. 
These XXXX medical accounts are being reported to Equifax and XXXX only and are set to fall off next year. 
I've had full XXXX coverage for the last XXXX years and checked to see if anything is owed since this charge has been on my report. There is nothing that is owed to any medical establishment/hospital. These bills are so low ( {$100.00} and {$270.00} ). See attached, it would make sense to just pay them but again there is no information on the creditor. Can this please be removed from XXXX and Equifax. 
Thank you and have a wonderful day. 
XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I reviewed a copy of my credit report and it was showing two 30 day lates, I called Capital one and disputed the entries and the rep wasn't able to explain why 30 day lates where showing. I requested they be removed and they haven't been removed. I sent the dispute in writing, I also sent an Opt Out disclosures and the Civial Liability laws requesting that they be removed.
Consumer complaint received 2022-06-13
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. (PA)

Personal information Violation 15 USC 6802 ( i ) no one had permission to disclose my personal info, this is a place of abode not my address, I don't reside here, it is a primary dwelling 15 1681 A ( 4 ) Right to privacy Violation Late payment violation 15 USC 1681 B, Stolen Vehicle 15 USC 9613, 9611, 9612 15 USC 1692 ( J ) 15 USC 16666B timing of payment 15 USC 1602 J 15 USC 1692 G 15 USC 1681 A 2 A 2 B 15 USC 1681 XXXX
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

in accordance to the Fair Credit Reporting Act JPMCB CARD .ACCT # XXXX HAS VIOLATE MY RIGHTS. 


15 U.S.C 1681 Section 604 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 an account without my written instructions
Consumer complaint received 2018-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MN)

SyncB/XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Roadrunner Account Services, LLC (AR)

This is a motorcycle that my x boyfriend that didn't have the credit at the time, got his friend to put the loan in his name. Now my x boyfriend has XXXX his job and couldn't make the payments and I don't know how they got my business phone number but they won't stop harassing me over this. EVERY SINGLE DAY! When I've had nothing to do with this my name is not on this loan. I want them to leave me alone. Even if I block them they call from a different phone number. I don't need them calling my business phone line. Please make them stop
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (HI)

My original complaint number is XXXX. This was closed. I received an email from Navy Federal on XX/XX/XXXX that another appraisal needs to be done and I haven't heard from them other than thank you for your patients. I emailed them again on XX/XX/XXXX. Can you not close the complaint until the process is completed. I've been working with them on this since XX/XX/XXXX!!!!! 

Please help. Is there another agency that I need to contact that could help?
Consumer complaint received 2022-10-21
Product: Credit card or prepaid 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: Continental Finance Company, LLC (AZ)

Ongoing dispute for {$900.00} worth of charges. Dating back to XXXX XXXX weekend of XXXX. No written correspondence from company with decision. No calls back from designated fraud investigator. Numerous calls left to fraud department with no messages returned, charging interest and requiring payment during an active dispute.
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

On or about XX/XX/ XXXX I pulled my credit and found out that I had a collection account withLVNV. I did not know anything about this. I had never received a notice from LVNV. So on XXXX XXXX I sent ina letter to Resurgent who was collecting for LVNV. I wanted validation of this credit card debt. See letter enclosed. I waited and waited and nothing So on XXXX XXXX XXXX I sent in another letter stating that I am guessing they could not validate this debt. So I asked them to remove it from my credit report. I still did not hear from them I was only asking for information I had the right to ask for and they are obligated to give me. But nothing. I thought at the time they were breaking the law. Then sbout XXXX XXXX  I was served a summons that they were suing me. I thiught this was not right. First of all no contact from them and they had sn old address that I had not lived on for XXXX XXXX. That is probably why I never received anything from them. I immediately sent a letter to the court explaining the whole situation how they just refused to give me the information I was entitled to and they were obligated to give me. I am guessing since they had no proof they decided maybe suing me might help their case. Since we have laws in place why does LVNV/Resurgent have the right to not supply me with the information. So they pull a fast one on me. I dont believe what they have done is right and maybe illegal. I should have had the right to have been notified about this debt that I was not aware of and if it was mine. But to just come up and sue me out of no where is just not right. Its like I am guilty without defending my self. Very on sided and a unprofessional act. I no should have been given notice, a letter before all of this Now I have to go to court and wsste the courts time over this. I had asked the court to dismiss this case but have not heard back. So LVNV cant show proof so they just sue you. Just not right. They need to follow the rules just like anybody else or should I say obey the law that is there for the consumers protection which they are obligate to furnish. They are not above the law Thank you for your time and cooperation in this matter Regards XXXX XXXX
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, On XX/XX/2018, I was in the XXXX XXXX  store, and wanted to pay for my car repair. They told me that we can apply here for our credit card, XXXX XXXX XXXX XXXX, then you can pay this large amount in 6 months without any interest. Using my info, they applied and then they told me that your application was declined.

I found out from the sales associate person that since they didn't have my full first name on file, they applied with a wrong name, and later on, in the mail, I received a mail from the credit company, XXXX XXXX XXXX XXXX ( XXXX ), that " we were not able to verify your info with your social security number '' and so it was declined.

So now, basically, due to their incorrect application, I have a hard inquiry listed on my credit report and I haven't got the credit card, and it's having a negative impact on my score. 
I have already contacted XXXX  and they have removed the inquiry from my report.
Consumer complaint received 2020-11-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (GA)

In XXXX I heard rumor the Cares Act afforded protections specifically for VA home loans in forbearance and deferment. My children 's child care facility has been closed several times due to Covid-19 and affecting myability to work. I was skeptical so I called my mortgage holder Quicken Loans. I was reassured several times, ( on a recorded line ) once I entered into forbearance I had to full protectionof law to move into deferment. After 4 months of forbearance Quicken Loans has apologized and informed me they were mistaken on the deferment availabilityon my VA home loan. 

Quicken Loans has mislead me and my family into a dire situation on our mortgage. 

This Veteran needs help please. 

" Captainsof industry '' and " Robber Barons '' are indistinguishableuntil justice is served. 
Thank you
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (NC)

In XX/XX/2020 Jefferson Capital Systems added a derogatory mark on my credit report. Thi account was originally a medical bill which was paid by my insurance prior to the creditor selling it to a collection account. I am no longer responsible for the account. I have had many unsuccessful disputes with the credit bureaus in reference to this fraudulent account. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My accurate address is : XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Since the beginning of XXXX I have reached out to Lexis Nexis multiple times in regards to my public record bankruptcy. I have sent several letters stating that the bankruptcy needs to be removed. Lexis Nexis is reporting in accurate information per the bankruptcy court. I have provided a letter to Lexis Nexis multiple times from the Bankruptcy county clerk stating that my bankruptcy was not reported to the credit bureaus.