davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CrossCheck, Inc. (WA)

In  XXXX  of 2017 my son purchased a car from   XXXX   XXXX   XXXX   in  XXXX . Before my son went to the dealership to purchase they sent him to   XXXX   XXXX   in  XXXX  to take out a bank account that the down payments were to be sent to. At the time of purchase the salesman collected from my son a blank check for {$2000.00}. We asked what this was for and he said do n't worry about it it is just a formality. The salesman said the down payments could be broken up in payments to   XXXX   XXXX   to make things very easy. This sounded very good to us. All of the paperwork was signed and he left with the car. No word from anybody until a collection company started calling both my son and me to get the {$2000.00} for a company called cross check. he did not know what to do but gave them a debit card to get {$500.00}. I intervened when they wanted to get another {$750.00} a week later and they started calling me repeatedly. I told them that there was no problem in paying the remaining {$1500.00} but we did not even know who we were sending it to. I told them we were more than happy to make payment arrangements but instead  XXXX  the vice-president kept calling me a liar and yelling and demanded the full amount that day. The most disrespectful person I have ever talked to in my   XXXX   years.
Consumer complaint received 2024-03-31
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: EQUIFAX, INC. (NY)

I am writing to formally dispute XXXX hard inquiries listed on my credit report by XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to my records, this inquiry was marked as " Accurate '' ; however, I have NOT authorized or initiated any such inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was previously removed then placed back on my consumer report. XXXX XXXX XXXX XXXX XXXX was WITHOUT proof verified as " accurate ''. 

I hereby request that you provide me with proof that I myself authorized or initiated this inquiry myself. It is imperative that you furnish me with documentation or evidence validating my consent for this inquiry to proceed. 

In the absence of satisfactory proof demonstrating my authorization, I respectfully request that this hard inquiry be promptly removed from my account. Failure to provide evidence of my authorization will prompt me to escalate this matter and pursue appropriate actions under the Fair Credit Reporting Act ( FCRA ) regarding fraudulent hard inquires. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this dispute in writing within reasonable time as mandated by the FCRA. 

Thank you fro your prompt attention to this matter.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

upon me receiving my full credit reports I've noticed a lot of things that aren't mine and have no knowledge of. I see that my personal information is constantly being sold and brought between numerous lenders and other parties. 
15 USC 1681 1 Accounts were opened without my knowledge. Accounts was sold and brought numerous lenders 15 USC 1692 G my information wasnt protected. I feel unsafe that my personal information was sold and brought by a parties I have no contract with nor knowledge of 18 USC 894
Consumer complaint received 2023-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAP XXXX AUTO XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$710.00} {$710.00} {$710.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$28000.00} {$28000.00} {$28000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$34000.00} {$34000.00} {$34000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$280.00} {$280.00} {$280.00} Payment Status : Late 30 Days Late 30 Days Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Auto Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

I have student loans payments of {$260.00} per month, {$150.00} through XXXX and {$100.00} through Heartland ECSI. A financial set back put behind schedule for many months, and I wan unable to get reduced payments.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must remove the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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  XX/XX/XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

a fraud was in process on my XXXX XXXX credit card. I contacted XXXX XXXX while the fraud was in process. The representative told me our conversation was being recorded and that the fraud was in a " pending '' status and that I was completely covered under the conditions of my agreement with XXXX XXXX. Weeks later XXXX XXXX started trying to collect the fraud amount ( {$400.00} ) and since they have added interest. They have ignored there recored statements to me. This all occured in XXXX XXXX. I filed a FTC complaint on XX/XX/XXXX ( FTC report # XXXX ) and reported this issue again to the FTC on XX/XX/XXXX ( FTC report # XXXX ). Sometime ago XXXX XXXX stopped contacting me and turned the issue over to some collection agency. This agency has continued to harass me with phone calls and recently caused me considerable problems. Apparently, Experion credit reporting has reported this as " code XXXX account with a reported delinquency status including bad debt ), to my homeowners insurance company. This incorrect information was sent to XXXX consumer service center of XXXX, Ga. ( XXXX referecnce # XXXX ) and sent to XXXX XXXX company. XXXX is incorporating this incorrect information into the calculation for the charge for my insurance. 
These organizations are all complicit in to incorrect reporting and are costing me money. I have done all i know of to do to resolve this issue to no avail. I need your immediate attention.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (CA)

Loan company repossessed my vehicle after repossession loan company never send me any letters or paperwork about my vehicle or where can I go to pick up my vehicle possessions that I had insideLoan  company repossessed my vehicle after repossession loan company never send me any letters or paperwork about my vehicle or where can I go to pick up my vehicle possessions that I had inside
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I write to XXXX, XXXX and Trans Union as my credit reports wrongfully continue to be reported as OPEN for my XXXX XXXX account although I voluntarily CLOSED my account long ago and I have diligently sought to have my account marked CLOSED which required immediate mid cycle reporting to every CRA of my closed status. In fact, I have attached a XX/XX/XXXX listing of 2 entries on my credit report documenting that my account was CLOSED. One entry states XXXX XXXX account was closed On XX/XX/XXXX, your XXXX XXXX credit card was closed. A second entry similarly states : Account Information Changed. Remark code added to XXXX XXXX account. Between XX/XX/XXXX and XX/XX/XXXX, the following remark was added to thus account : Account closed by consumer. Since it is admitted that my account was closed and in fact reported as Closed, the failure to block changes from Closed to Open, constitutes an obvious Facially False Data deficiency which is prohibited as warned recently by CFOB Director Rohit Chopra. Kindly permanently delete my account and send me additional statutory damages of {$1000.00} for repeated uncurled willful violations of the FCRA and Metro 2.
Consumer complaint received 2017-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

A month ago I checked my credit report and on XXXX it was showing that I have a derogatory collection from XXXX for {$96.00} for a medical collection. I have never received a written collection notice or received any phone calls in attempt to collect the debt. Upon calling the company all 3 phone lines listed on there website are dead lines and numerous attempts on a 4th phone number listed on the internet for the company. The 4th phone number just directs me to a message saying no one is available. I do not know how to pay this debt and get it taken off my credit report if I can not get in contact with the company that holds the collection. I have been trying for months now to get ahold of the business now to no avail.
Consumer complaint received 2023-03-14
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. (IL)

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 XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX has violated my rights XXXX 

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.
Consumer complaint received 2023-03-14
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. (MN)

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 U.S.C. 1681. 

Company name : XXXX. Account number : XXXX Company name : XXXX XXXX XXXX. Account number : XXXX These companies have 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 items of information, other than records of convictions of crime which auntie XXXX the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to think that the information is inaccurate.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (AZ)

On  XXXX / XXXX /17 we were contacted by someone who claimed to be from the United States Department of Health and Human Resources stating my boyfriend was eligible to receive {$12000.00} from the Obama stimulus package. He said we had to pay an activation fee and taxes totaling about {$1100.00} with gift cards. We were told at the end of the call after we purchased the cards and gave him the codes on the back that we had just been scammed. We immidiatly made a police report and called the bank. We went to the bank and they filed an investigation. The bank manager said she was going to make some calls to get our money back because it was frodulent circumstances. We have made several calls to the bank never receiving a response. We reached the manager once and she said she would call us back that following Monday and never did. They have completely ignored us but told us twice they would replace our debit cards and did n't do that either. The purchases should have been flagged as suspicious. Our money is supposed to be guaranteed by the Government and we should have had it back by now. We were unaware that it was fraudulent but the bank should have caught it. Instead they act as if we do n't exist which is wrong.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank! Has DAMAGED MY CREDIT I WORKED SO HARD FOR! 
XXXX. XXXX {$5000.00} credit line decrease me to {$1600.00} never 30 days late. 
XXXX. Care Credit  {$11000.00} credit line decreased to {$6000.00} never 30 day late. And I had to cancel my dental appt for a bridge I was supposed to have done. 
XXXX. XXXX  {$5000.00} credit line decreased to {$480.00} never 30 day late. 
XXXX. XXXX XXXX XXXX {$4500.00} decreased to {$3500.00} and Synchrony bank closed this account with balance never 30 day late. 
XXXX. XXXX XXXX paid off card {$4000.00} credit limit account was closed. never 30 day late. 
I feel this should have not happen during a pandemic and high inflation. I had to lived off my credit cards to eat and survive ; and through it all I still managed to pay all my credit cards obligation on time. 
My debt ratio flew sky high because of Synchrony. my other creditors reviewed my credit report and one by one my other credit card limit start decreasing. it has cause a domino effect and I now all my credit cards have been decreased. What took me years to build, Synchrony took seconds to demolish my credit! 

MY CREDIT IS RUIN BECAUSE OF SYNCHRONY! 
STAY FAR AND AWAY FROM THIS BANK! THEY WILL RUIN YOUR LIFE!
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I bought my home 11 years ago inXX/XX/XXXX. The loan I got was a terrible balloon/arm 30 year loan. The original loan servicer was XXXX XXXX XXXX. Then the loan was transferred to XXXX XXXX XXXX.  And then it was transferred to Ocwen Loan Servicing. Ocwen has been servicing my mortgage for about the past 6 or 7 years now. In XX/XX/XXXX I ran into financial problems and was n't able to afford my monthly mortgage payment. So I tried twice to get my mortgage modified through Ocwen. During the second try, someone from Ocwen actually told me over the phone that I was approved for the modification and that my monthly payment would be around {$580.00}. I was so relieved until Ocwen sent me a letter saying I had been denied a modification. When I called them to figure out why they told me I was approved before. They told me they would have never said anything like that over the phone. So in order to save my home, I filed for chapter XXXX bankruptcy. I have been in Chapter XXXX bankruptcy since XX/XX/XXXXand I have just a few more months left to pay. So on XX/XX/XXXX, I received a verification of mortgage account letter from Ocwen and they are claiming I have a 45 year mortgage when I should have a 30 year. So I call Ocwen and they tell me " Oh its just a typo ''. So I just go about my business thinking everything 's OK. Then on XX/XX/XXXX I receive a mortgage payment change letter from Ocwen . And on the second page under the " New Interest Rate and Monthly Payment '' section, Ocwen claims I have 408 months left on my mortgage. Which would mean I have a 45 year mortgage. How did my 30 year mortgage become a 45 year? This is n't right at all. Also another complaint is my mortgage payments have fluctuated alot over the past few years. You will find my original loan terms document and both Ocwen letters attached.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Having issued with the three credit bureau 's. XXXX place a Fraud Alert on my credit account. I contacted XXXX via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted XXXX and TransUnion, was it would be removed by the end of the business day. Around the beginning of XX/XX/XXXX I contacted XXXX again requesting the removal, I was giving a case number of XXXX and a conformation number of XXXX stated from them that the Fraud removal was done. I contacted the other two  agencies requesting the same, I was told by both agencies that they could not remove the alert until XXXX remove it. Contacted XXXX  again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no. XXXX. also mailed in a request on XXXX XXXX,2017. as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from XXXX and TransUnion stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told XXXX  and a third party requested X/X/17 and X/XX/17
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

On the XXXX XXXX XXXX XXXX, they blocked my account on COINBASE, They asked me to send documents confirming my identity, and I did so. However, later, they sent me an email stating that the documents were not satisfactory, and they provide me with no solution. There is no contact email or support available. There is no way to verify my identity, and they have kept all my money.
Consumer complaint received 2020-04-29
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I keep calling to see where I'm at with the modification and they do not respond to my inquiries, email, onsite messaging and calling leaving messages. 

I am afraid of losing my home which is already in pre-foreclosure status. 

I think they want to keep my house, they pre-foreclosed when I missed only 4 payments from being in a rehabilitation center and couldn't make the payments. 

XXXX XXXX