davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
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. (UT)

Experian is reporting inaccurate information on my credit report. XXXX  Acc # XXXX is reporting lates on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. This information is not correct. I have sent documentation showing the information Experian was reporting was wrong but they have failed to contact me or remove this information,
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (PA)

I submitted a dispute about my balance XX/XX/XXXX for American Express. On XX/XX/XXXX, I received a letter from American Express stating that " We are unable to locate the American Express account since it has been purged from our records, we have requested that the reporting agencies delete all info pertaining to the account from credit report. '' I waited a few months, each month American Express would continue to report derogorities on my credit report, thus lowering my score. Finally I disputed with the credit bureaus on XX/XX/XXXX with the letter from American Express as evidence. As on XX/XX/XXXX, nothing has changed, American Express is still on my report and reporting negatively each month.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Syncb/PPC Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., FDCPA, and Pennsylvania XXXX I am writing to file a formal complaint against Syncb/PPC XXXX XXXX at XXXX XXXX XXXX, XXXX, PA XXXX XXXX for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others. 

Syncb/PPC has inaccurately reported an account on my credit report as charged-off. However, this account was charged off and subsequently sold to a debt collector. Given that Syncb/PPC no longer owns this account and has been compensated for it, the persistence of this trade line and/or data point on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/year>, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my credit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Syncb/PPC is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Syncb/PPC to rectify any inaccuracies found.

Syncb/PPC 's refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Syncb/PPC to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Ocwens negligence and unwillingness to provide an escrow analysis or a breakdown for my   XXXX   XXXX    escrow adjustment caused my   XXXX   XXXX  , escrow analysis to have a higher shortage than expected.  Ocwen  failed to disclose that they were spreading my escrow payments ove r 56  payments. Ocwen failed to notify me in a timely manner about the changes with the escrow so that I would have a chance to minimize my shortage. Ocwens failure to provide proper notification caused an additional increase in my monthly payment, because I had to request that my escrow payment be spread over  12  payments, and not the spread that was previously used to avoid any more unnecessary increases. Ocwen failed to provide the information/material when I first requested it, but later sent the information on   XXXX   XXXX   XXXX  , after I received the new escrow shortage in   XXXX   XXXX       On   XXXX   XXXX   XXXX   Ocwen 's attorney emailed a breakdown of the capitalization and down payment amount that was used to calculate my {$110000.00} modification beginning balance. However, the calculations and dates Ocwen used to get the same {$110000.00} beginning balance was calculated and adjusted differently on the transaction report they provided.     On   XXXX   XXXX   XXXX  ,  Ocwens  attorney provided a response and transaction history used to support her response about my concerns with my year to date principal payment totals on my  XXXX  and  XXXX  statements. Ocwen negligently and carelessly failed to include my {$1000.00}, payment on the transaction history report that they provided with the correct  XX/XX/XXXX , received date. Ocwen failed to correctly deduct my {$800.00} modification down payment from my {$1000.00} payment, and apply it with the correct  XX/XX/XXXX  received date. Ocwen failed to include the correct capitalized amount and date for my   XXXX   modification on the transaction/payment history they provided. Ocwen failed to re-apply my {$200.00} balance from the {$1000.00} payment with the correct   XXXX  , received date. Ocwen negligently reversed my {$800.00} down payment from a suspense account and re-applied it with a  XX/XX/XXXX  received date.  Ocwen  negligently reversed and re-applied {$200.00} + {$600.00}  (   XXXX  {$800.00}  ),  contractual payments received between  XXXX , with an incorrect  XX/XX/XXXX , received date.
Consumer complaint received 2020-07-13
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. (GA)

As of XX/XX/XXXX, all of my student loan accounts with the US Department of Education have been in forbearance. The forbearance was granted by the US Department of Education Borrowers Defense program. Since XXXX of XXXX, I have been disputing incorrect information reported on these accounts. After each dispute, I would receive a letter stating the account was verified as accurate despite my sending in proof that they were not accurate. They are currently showing that I am in collections and they were not reporting the monthly payments I made on the account from XX/XX/XXXX thru XX/XX/XXXX. I also entered into an income-based repayment plan to satisfy my mortgage lender. The US Department of Education ended up refunding my $ 5 monthly payments since the accounts were in forbearance and they were not supposed to collect payments.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NJ)

In XX/XX/XXXX I cancelled my XXXX XXXX XXXX XXXX membership for medical reasons. For unknown reasons XXXX XXXX   XXXX XXXX kept my name in the system and did not cancel the membership as per my request. I spoke with XXXX directly when I went in to cancel the membership. XXXX was the manager in charge on that day. XXXX is committing Fraud by keep my name and my membership active when I specifically went in and spoke to the manager XXXX to have it cancelled. I was in total disbelief when I received a collection letter from an account that was kept fraudulent by XXXX XXXX XXXX XXXX. If this is their practice they should be shut down. The collection agency XXXX XXXX XXXX need to provide a validity of this debt, which can not upload because I directly went in to cancel.
Consumer complaint received 2018-02-13
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: EQUIFAX, INC. (NJ)

On XX/XX/2018, I have asked XXXX, XXXX and Equifax verification and validation of a Negative Public Record : XXXX XXXX XXXX XXXX XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over XXXX XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.
Consumer complaint received 2021-09-02
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-07-13
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: EQUIFAX, INC. (GA)

As of XX/XX/XXXX, all of my student loan accounts with the US Department of Education have been in forbearance. The forbearance was granted by the US Department of Education Borrowers Defense program. Since XXXX of XXXX, I have been disputing incorrect information reported on these accounts. After each dispute, I would receive a letter stating the account was verified as accurate despite my sending in proof that they were not accurate. They are currently showing that I am in collections and they were not reporting the monthly payments I made on the account from XX/XX/XXXX thru XX/XX/XXXX. I also entered into an income-based repayment plan to satisfy my mortgage lender. The US Department of Education ended up refunding my $ XXXX monthly payments since the accounts were in forbearance and they were not supposed to collect payments.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I received an inaccurate, erroneous, and false debt collections letter from " Columbia Debt Recovery XXXX, '' d/b/a " Genesis '' ( hereinafter " Genesis '' ). For the avoidance of doubt, and for the sake of emphasis, nothing in this Complaint is an acknowledgment or admission of the accuracy or existence of any debt allegedly asserted to be owed to Genesis.

Within 10 days of learning that Genesis had attempted to contact me regarding this false debt ( hereinafter " False Debt '' ), in accordance with the Fair Debt Collection Practices Act ( " FDCPA '' ), Genesis was contacted with a request for validation and verifying information ( the " Validation Requesting Letter '' ). This contact occurred via the methods and contact information explicitly provided by Genesis.

This request for verification, validation, and alleged proof of False Debt included a request for, including but not limited to : a ) the names of the creditors and account information to whom the False Debt is allegedly owed ; b ) the amount of the False Debt, including supporting documentation ; and c ) details about Genesis ' authority to collect the False Debt. The Validation Requesting Letter has been attached in its entirety via the Complaint submission form. Additionally, I have provided the metadata of the Validation Requesting Letter, which proves that it was created and last modified on the date that it was sent to -- and received by -- Genesis.

Contrary to the requirements of the FDCPA, Genesis did NOT provide notice or an adequate response to the Validation Requesting Letter. None of the information requested of Genesis was provided, nor was any additional notice proffered. No information or validation was given regarding any of the details, information, or proof of the False Debt. 

As of today, XX/XX/2024, I have been informed that Genesis has filed a " Derogatory Mark -- XXXX XXXX XXXX Collections '' with at least the credit reporting agency XXXX. In parallel with this Complaint, a complaint and dispute is similarly being filed with XXXX to dispute this XXXX XXXX.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Love, Beal & Nixon, P.C. (OK)

My girlfriend at the time was served with court papers. She advised the person I did not live there at this time and she threw the papers at her. I attempted to get the original debt information and they refused. They stated they are attorneys not debt collectors and would not provide this information. They advised me that if I refuse to provide my personal information they would not work with me on monthly payments.
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CT)

This is an ongoing matter of identity theft. My identity was stolen in 2022. I have made a complaint similar to this one many times. Today, XX/XX/XXXX, a debt collection appeared on my credit for {$200.00} to XXXX XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX XXXX. I have never lived in Florida. I just bought a home in Connecticut. I called the company as well as emailed them disputing this debt. They said I would need to fill out a " fraud packet ''. I have yet to receive this packet via email.
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Submitted a Fraudulent Derogatory Report to Credit Bureau, dropping my Credit Score by over XXXX POINTS!
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2024, I applied for a American Express Gold Card. I was declined. 
REF NUMBER : XXXX. I went on online to AmericanExpress.com. to view the full decision details numerous times : I kept receiving " We '' re Sorry '' ; Our systems are currently updating : please check back on this site in 24 hours.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

My name is XXXX XXXX, my spouse is XXXX XXXX. We both have Amex Hilton XXXX Credit cards, with cards ending XXXX and XXXX. The card comes with a benefit that will have {$250.00} credit for each card for Hilton Resorts Booking. I use my card to book a one-night XXXX XXXX XXXXXXXX XXXX CA which is part of Hilton Resort for {$460.00} on XX/XX/2021, and my spouse XXXX XXXX uses his card to book another night at XXXX XXXX XXXXXXXX XXXX CA for {$470.00}, which is posted online at XX/XX/2021. I used this benefit before and the credit arrives within 1 week of qualified purchase, but for these two hotel bookings, It is already one month and we don't see the {$250.00} credit posted on both of our Amex Hilton XXXX credit card account. I called AMEX several times and the representative just asked me to wait. But I don't think waiting for over 1 month and credit does not arrive is a reasonable time frame, and definitely, there is some issue here.
Consumer complaint received 2019-05-17
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. (NC)

XX/XX/XXXX to XX/XX/XXXX I have disputed items on my credit report with XXXX   and equifax. Equifax and XXXX are great companies this is the first time I have had issues with my credit report involving removing items. Equifax and XXXX are displaying incorrect information. There are also duplicate accounts on credit report when I only have one account. All accounts are closed because I filed Chapter XXXX. Some accounts were removed and then they reappear and then they remove them and then they reappear. Accounts that are closed are still open and showing that I missed a payment. I have asked that these accounts all be removed. Thank You.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

We were forced to terminate a residential lease early due to a death in the family in 2013. The leasing company tried to negotiate for us to pay for the house until they re-rented it - we did not agree, however, they proceeded as if we did. We paid two months rent, plus they kept our deposit, and instead of applying it to the termination fee, they tried to collect two additional months of rent and a cleaning fee. We have refused to pay it, since it was incorrectly calculated. They have refused to discuss it with us, maintaining it " meets FCRA requirements ''. Now, their most recent antic is to change the date on the report, so it looks like we started paying on it - we have not, nor have we negotiated any kind of settlement. The inconsistency of their reporting across the XXXX bureaus alone disqualifies this debt from meeting FCRA requirements. Their failure to provide any written proof of the debt is another.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

We initially had a mortgage with XXXX XXXX, every year in XXXX, they would begin harassing us for a lump sum payment, normally over {$3000.00}, regardless if our payments were up to date, or XXXX behind, then after 7 years of this, they sold our loan to another company, XXXX XXXX, and they did the same thing in the fall of last year. They only owned our loan for a few months. Now ANOTHER company bought our loan, Select Portfolio, they are now harassing us. Calling XXXX times a day, leaving numerous voice mails, coming by my house, etc. I have called back and ca n't ever get the lady that keeps calling me. I try to work full time, my husband does, also, we have XXXX children, and my mother is in and out of the hospital. I have requested numerous times a modification, but noting ever comes of it. They just make more demands. I need someone to help us, and actually listen to us, because I am afraid other have the same issue. The original company, I am sure it is in our original contract, that they could n't sell our loan.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Im filing this complaint with CFPB for continuing to report this account without investigation peR FCRA federal law these dates are incorrect and should be removed due to the expiration of time. 

Ally incorrectly reporting date of last payment as of XX/XX/XXXX, This account was opened in XX/XX/XXXX and entered into BK in XX/XX/XXXX and all payments stopped by divorce at that time. 

I have attempted many times for Experian to show results of an investigation and they have provided no proof as to their claim
Consumer complaint received 2024-03-22
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. (IN)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate ;, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XX/XX/XXXX LVNV Funding XX/XX/XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX