davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I have a mortgage loan with Ocwen Mortgage which in XX/XX/XXXX was taken over by PHH Mortgage XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I had been going through a foreclosure since XXXX of XXXX. In XXXX through the attorney of mortgage company We came to an agreement that my loan modification would be accept and that we could settle out of court if I agreed to pay my mortgage from XX/XX/XXXX- through XX/XX/XXXX. 
My monthly payment is XXXX on XX/XX/XXXX I signed the modification loan had it notarized and sent a check for {$10000.00}. I couldn't not communicate with loan company because of the foreclosure so I communicated via through PHH attorneys to find out the status of Modification. It is now XX/XX/XXXX and I have not heard back from mortgage company regarding modification. I also conveyed through mortgage attorney to send me a balance as to how monies were applied. Attorney conveyed information but I never received status. In late XX/XX/XXXX. I received an email that a new foreclosure would commence. Not sure what that meant when I had sent money to settle the foreclosure. I sent the foreclosure intent to mortgage companies attorney why they were sending me such a letter when I had already sent money to settle out of court. 
Attorney said she would convey the information and get back to me, I also asked attorney to send me a breakdown as to how monies had been applied she said would. 
It is XX/XX/XXXX and I still have not received correspondence from mortgage company.
Consumer complaint received 2022-09-02
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. (VA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2022-09-02
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. (CO)

My student loans have been consolidated but are now showing up as multiple accounts on my credit report. I have a letter stating that I do not owe anything to my previous student loan provider so these multiple instances need to removed since it is inaccurate.
Consumer complaint received 2022-09-02
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. (NV)

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. 
XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00}.
Consumer complaint received 2022-09-02
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. (CA)

I receive two letters from XXXX XXXX XXXX  after a few calls to their different departments complaining about Inaccuracy being reported to the Credit Bureau 's. 
XXXX XXXX XXXX letter dated XXXX XXXX We reported that this Account was Closed on XXXX XXXX. 
XXXX XXXX XXXX letter dated XXXX XXXX We reported that this Account was Charged Off on XXXX XXXX. 
As of XXXX XXXX Experian Payment Summary still reports the account as 7 potentially negative months Late XXXX XXXX thru XX/XX/XXXX -all payments on time XX/XX/XXXX - N/A XX/XX/XXXX thru XX/XX/XXXX- all payments on time XX/XX/XXXX thru XX/XX/XXXX - late payments of 30,60,90,120,120,120, what happen to 150and180. 
XX/XX/XXXX thru XX/XX/XXXX - N/A XX/XX/XXXX - account Charged Off Now if the Account was Closed on XXXX XXXX and Charged Off XXXX XXXX how can there be any on Time Payments or Late Payments being reported, this Account was CLOSED as of XXXX XXXX I respectfully request that all Inaccurate reported Information be remove from my Credit Report Under the Fair Credit Act.
Consumer complaint received 2022-09-02
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. (VA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$2000.00} ; XXXX XXXX Balance {$4500.00}.
Consumer complaint received 2017-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX. XXXX calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, unemployed, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.
Consumer complaint received 2021-08-22
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: ERC (PA)

I finally looked into my credit and saw a collections from Enhanced recovery co L Which is fraudulent and erroneous because I've never contracted with that company ever. 

Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2021-08-22
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (DE)

In 2019, after having labwork done, CCS COLLECTIONS obtained all my information about what type of testing I had done - clearly violating my right to medical privacy. They contacted me multiple times to which I asked them to stop. After speaking with a representative from the company I was led to believe that I had paid off the collection, but was later told that I had settled for a lower amount. The original account holder offered me a payment plan but the collection company had already taken my personal information about my testing. This violated my HIPAA rights about disclosing medical information.
Consumer complaint received 2022-09-02
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. (VA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$2000.00} ; XXXX XXXX Balance {$4500.00}.
Consumer complaint received 2023-03-10
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: FC HoldCo LLC (AZ)

In accordance with the fair credit reporting Act XXXX XXXXt # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc. (CA)

Hello my name is XXXX XXXX and recently my XXXX asked me to update it and so I did and my phone never turned back on again. Next day I tried to get it fixed but never could turn it on again. So I bought a new XXXX. After I bought the new phone I downloaded the app called Coinbase which I also had on my old phone already. Coinbase is a crypto currency exchange app which I invested a lot of money in and currently holding alottttttt of Bitcoin, chainlink, and XRP coins in there. I tried to log back in and it didnt let me log in because it was asking me for an authenticator code which I tried to put in but I guess it never recognized it. So I sent Coinbase an email so they can give me a new authenticator code that could link to my new phone and Coinbase so I can get back into my account. Have I have emailed Coinbase about 12 times and this email started in XX/XX/XXXX. Emailed them on XXXX and XXXX as well and no type of response from them. I have read reviews about their customer service and everyone says they do not reply to you and potentially when you do get your account back all your money will be gone from your account. I am livid with them and I will hate to get my account back and my money is not in my account. So my problem is I need Coinbase to unable my account and give me a new authenticator code that links to my new phone and Coinbase app so I can get my account back. I should have XXXX xrp, XXXX chainlink, and XX/XX/XXXX of a Bitcoin in my account and I do not want to see a single of them missing. I need to get my account back and have Coinbase reply back to me so I can get my thing back. I also taken this matter to court because I am afraid my money is no longer in my account. Please my ticket number for the email to them is # XXXX
Consumer complaint received 2021-08-22
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-05-25
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: STERLING JEWELERS, INC. (GA)

I have notified  XXXX  on many occasions that this account do not belong to me. I have also informed them that this account was opened as a result of identity theft. But they have not removed this account from my credit file. I need your assistance in getting this matter resolved.
Consumer complaint received 2023-06-28
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. (VA)

XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 

XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE? 
THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!! 
XXXX & EXPERIAN ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 


EXPERIAN VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) XXXX. EXPERIAN THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX  DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 
XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( XXXX XXXX XXXX XXXX  CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 



2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (WI)

On XX/XX/2023 I called Elan at XXXX and spoke with XXXX at XXXX. 

I was calling to pay off my {$770.00} debt in full and to ask that my account be closed. 

XXXX informed me that she could not take my payment. That my payment " was not necessary. '' I asked to speak to the manager to have him/her take my payment. I was repeatedly told that Elan is unable to accept my payment and that the " payment was not necessary ''.

I told her that I was trying to buy a house and needed to resolve this debt because Elan reports the account on my credit report as a negative mark, reducing my credit score.

I pleaded with Elan to take my payment in full to no avail.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX I received a text stating it was from the Bank of America and asking me if I had authorized a withdrawal on my account. I responded no. About 5 minutes later my phone rang and my caller ID said Bank of America, so I answered. A man on the other line said he was from Bank of America calling because someone was attempting to take money out of my account through XXXX. He said he would help me reverse it so that they didn't take my money. He had me go in and send the money supposedly to myself. I followed his instructions and when it was done he actually hung up on me. So I immediately checked my account on my mobile app and the {$3500.00} was gone. I immediately called the number back and connected to Bank of America where I told a young woman what had happened. She said I had been the victim of a scam and that the money was gone. I told her I was on vacation with my grandson and that the account was now empty. She said she would expedite the request to have the money returned to my account while they investigated. She said it could be there in 10 days and to call back if it wasn't. She said it could take 10-45 days though since I called so quickly I should have it in 10. Well, I didn't so I called on the 10th day and spoke with the bank and the woman I spoke to said she would send an expedited request for it to be returned and I could check again the next day though I would likely have to wait 10 days. So still no money and in the meantime I'm having to use my credit cards to pay for things. Then I called again and was told basically that the people who previously had told me I would get my money didn't understand the process though I definitely would get my money back because of how I had been scammed and that she would put it through because she had done it for several people who had been victimized in the same manner. She told me I would have my money on XX/XX/XXXX at the very latest. We were speaking on XX/XX/XXXX. So I called again on the XXXX  when there was no money and they said I wouldn't be getting my money. They would not tell me why nor would they give me anyone to talk to who would. I called again on the XXXX and spoke with several people. I was passed along from one to another. I was told the persons making the decision about my money had no name or contact info available. I was told that they were waiting on the person who received the money to return it and that would be the only waybI would get my money. I asked if they were actually asking me to believe that a criminal was going to give back the money they stole just like that? It was unbelievable. They tild me it was my problem the money was gone and that I signed paperwork stating I would only send money to people I knew and trusted. I said I did. 
He said you were talking to someone you didnt know. I told him I am now as well. He was super rude and condescending and he then hung up on me.