davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal was contacted multiple times in XXXX XXXX XXXX to dispute charges on my closed card. While the charges were initially disputed, the case was closed since I did not upload documents within their timeline. The documents were not uploaded as the reason I closed my account is due to constant issues with their online systems. When I called back on XX/XX/XXXX to inquire about other ways to send in the needed documents and re-open the case, I was told XXXX that online was the only way. When I explained that online did not work ( i offered to mail documents in ), I was handed off to the supervisor, XXXX, who was completely unwilling to dispute the charges regardless of what the reason was. I used the credit card to be protected and Navy Federal is unwilling to provide protection to its card holders against unauthorized charges. Document is not attached since this is solely due to Navy Federal flat out refusing to put the dispute though
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXX violated my rights XXXX Account Number : XXXX violated my rights XXXX Account Number : XXXX violated my rights XXXX XXXX Account Number : XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-01-18
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. (NC)

I was under the impression that these accounts would be deleted yet they remain on my report as write off or closed but I demand this be removed from all the agencies given the fact this was done without my consent
Consumer complaint received 2016-05-17
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (MD)

when original note are challenge to provide original black ink sign at the time closing, the co-conspirator Ocwen, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator Ocwen, XXXX XXXX XXXX XXXX XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servcing is refusing to pay for my insured 's hazard insurance from their escrow. This happens every year. To every client that we have that escrows through Ocwen. They refuse to pay until the policy actually cancels. At this time of year in Texas, this practice can be dangerous for our insured 's, ourselves, as well as the mortgage company. I have begun documenting every persons name, time of call, length of call, what was said and am now recording every single call to Ocwen. In XX/XX/XXXX, I filed a complaint against Ocwen and was sent an excuse letter from them. The letter stated that the first time I called on a bill that was due by XXXX/XXXX/XXXX was XXXX/XXXX/XXXX. They were billed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke to " XXXX '' who told me that our agency did not have a payee code. On XXXX/XXXX/XXXX, I spoke to XXXX who said they had no record of our billing nor proof of insurance. This account took 6 more phone calls to collect. On XXXX XXXX, XXXX, we finally received payment. Our boss paid the reinstatement fees out of his own pocket as Ocwen refused to pay any more than what was originally billed to them on XXXX/XXXX/XXXX. At the very least, these are reprehensible business practices. I never heard from anyone else regarding my complaint other than the " Ocwen Ombudsman '' who only gave excuses as to why this happened. At that time, they stated that we had been set up as a payee and our payment would be forthcoming. If we were set up as a payee in XX/XX/XXXX, why can they not pay the escrow in XX/XX/XXXX? PLEASE HELP ME AND OUR CLIENTS. This is getting very scary for all concerned with the exception of Ocwen.
Consumer complaint received 2024-01-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (OH)

I am writing to bring to your attention a matter of great concern regarding an alleged debt reported on my credit report by XXXX, account number XXXX. I am seeking your assistance in resolving this issue as I believe there have been unjust activities surrounding this debt. 
To provide some context, I had no prior knowledge or association with XXXX before discovering the presence of this debt on my credit report. I did not receive any written notices, phone calls, or emails from them regarding the alleged debt. Furthermore, I have an open case with my legal tenant and owner lawyer concerning my previous residence, which was resolved when I moved out. 
The apartment complex in question has been less than forthcoming about the details of the situation. They have inaccurately reported when the next tenant moved in, which, according to legal standards, would have relieved me of any further responsibilities. Upon learning about the unexpected bill from XXXX, not the one currently on my credit report, I was shocked. 
It's important to note that there were discrepancies in the bill itself. Initially, I was presented with a bill amounting to {$10000.00}. However, after providing evidence, including legal multiple mail proofs demonstrating that a tenant had moved in during XXXX, the leasing office acknowledged my correctness. I firmly believe that I do not owe any money to XXXX or any other entity associated with this debt. 
To address this matter, I have retained the services of an attorney to assist in rectifying what appears to be an unlawful act. The reported account is factually incorrect, as I never engaged in any business dealings with XXXX. Furthermore, I was never served any notice of this alleged debt, violating my rights as a consumer. 
I kindly request your assistance in investigating and rectifying this situation promptly. I believe that my rights as a consumer have been violated, and the inaccurate reporting is adversely affecting my credit score. I am attaching relevant documents, including proof of the resolved case with the apartment complex and evidence of the tenant 's move-in date. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will help ensure a fair resolution.
Consumer complaint received 2018-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery calls every day and never leave a messages they hold the phone for the duration of the time allotted on my recording device leaving messages of silence. This has gone on for years. I have deleted the call logs because I am seeking employment and need the phone space for job interview messages. I did save the following dates : XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXXXX/XX/XXXX @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on XXXX  rights pertaining to privacy. the reporting of my balance and payment information relevant to my XXXX  loan accounts is a violation of my privacy which I did not authorize.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this account immediately. 

1. DUVERA BILLING SERVI XXXXX Balance {$3200.00}
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (LA)

On XX/XX/XXXX My ex husband and I legel separated and I moved to a different city, I Have a lease agreement showing I move to a new city, When I left he was still living in the home we purchase in XXXX, he wanted the home. I went to the XXXX  XXXX XXXX and told them I was separated form him and asked them to remove me from the loan, they told me they could not, so I asked him if he was making the payments and he said he was, We finally divorce after 2 years and he got the house in the divorce and on the day of the divorce they took the deed out of my name and put it in his and I will show you from the tax office, I went back to the bank and asked them to remove my name and they told me they could not. again, so please can you help me, get this off my credit, I walked away from this because of abusive and I want to try to buy my daughter and my self a house, I want it off my credit and I want the loan taken out of my name please
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts : 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-16
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: JPMORGAN CHASE & CO. (GA)

Respected Parties, I presently have an excellent Credit Score and am not a " problem customer '' -- in fact, I am the perfect customer as I utilize my Southwest Chase Credit card almost exclusively. 

During the COVID-19 pandemic I ordered four ( 4 ) items from the XXXX XXXX in the amount of {$100.00} which arrived damaged. My box did not come with an invoice or bill of lading -- it did not include any information as to how to return an item which is customary with the better stores. I spent many attempts to contact the XXXX XXXX, but the store was closed -- to no avail. I even filed several complaints online and not one of my complaints was answered. The specific details are : Order # XXXX Purchase Date Posted to Chase Credit Card : XXXX Amount : {$100.00} I then tried to dispute the chase charge online, but their website would not allow me to upload the documents. I got stuck wasting hours of time online only to be told to send my dispute in writing. Then on XX/XX/2020, I filled out their required form which could not be uploaded. Accordingly, I sent the hard copy to their office address which is : Cardmember Services XXXX. XXXX XXXX XXXX DE XXXX This is for card ending in XXXX I received a Determination in the mail stating that my dispute was denied today, XX/XX/2020. They outright lied by stating they sent me something in writing previously, but I NEVER RECEIVED ANY OTHER NOTIFICATION. 

I am disgusted with this Credit Card as they deny receipt of my written correspondence, I can not get through to them on the phone and their secure email has not been working. 

I spend far too much with them for this type of service. 

The CPB was created exactly for this purpose -- they are taking advantage of the pandemic by not responding to written correspondence and in denying all claims. SHAME ON THEM.
Consumer complaint received 2017-01-06
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Pendrick Capital Partners Holding, LLC (OH)

Called me at my office three times, after I specifically said I CAN NOT receive personal calls at work, on the third call actually acknowledged that she knew she could n't call me at work but she had no other option. Has not stated where she is calling from, just says it is regarding a medical bill. Does not state what company she is with or where the medical bill is from.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am the author of this complaint and I have attached a copy of my ID and SSC card to validate and verify my identity. 

I am writing to submit a formal complaint against XXXX, Experian, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate information on my credit reports. I believe these inaccuracies are negatively affecting my creditworthiness and financial standing. 

The inaccurate information pertains to the following account : Account : XXXX I have submitted dispute letters to all three credit reporting agencies, detailing the inaccuracies and requesting correction. However, to date, I have not received a satisfactory resolution. I am seeking the intervention of the Consumer Financial Protection Bureau to address these violations. 

I believe the credit reporting agencies have violated the FCRA by reporting inaccurate information and failing to conduct a reasonable investigation. This has caused significant harm to my credit standing, affecting my ability to secure favorable terms on credit and loans. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX, Experian, and XXXX comply with the FCRA. I am also requesting that you provide me with updates on the progress of your investigation. 

Enclosed with this letter are copies of the dispute letters sent to XXXX, Experian, and XXXX, along with any supporting documentation. I appreciate your prompt attention to this matter and thank you for your assistance.
Consumer complaint received 2020-07-05
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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (AZ)

Hi I am writing this complaint against XXXX and XXXX. XXXX and XXXX both said they verified a Fraudulent Convergent Outsourcing collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from XXXX and covergent. 
I have also attached my ID so XXXX cant falsely say I hired someone to dispute these for me. 

I also want XXXX to know I have filed a complaint with the Attorney General Office and my next step is litigation
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: General Motors Financial Company, Inc. (MD)

I sent letter to both addresses listed on credit file and got a response that asked me to fill out FTC report. However, I did this already with FTC and it does n't apply to this company. The account was removed but the inquires are still listed on my report and it is hurting my credit. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX Name '' on XXXX via XXXX certified mail & again XXXX. The company refuses to honor my rights under the XXXX as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2016-01-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I 've never been told that the bonus is calculated according to the statement period instead of calendar month, and the Santander rep who opened my account told me that every month I pay XXXX bill online and receive more than XXXX direct deposit, then I 'll get XXXX dollars bonus each month. And their public advertisement also indicated that it 's per month instead of per statement cycle. So, I paid XXXX bills online and have my employer direct deposit my salary to my Santander account. In XXXX 2015, I only received XXXX bonus for direct deposit and called Santander for the missing XXXX bonus for the online payment, they then told me that it should be counted by statement period, as I paid XXXX payments in XXXX, XXXX payment on XXXX, XXXX payment on XXXX, they wo n't pay for the XXXX bonus in my XXXX statement. The information I got was very misleading and it 's not right for them to forfeit my XXXX XXXX bonus for bill payment.