davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

I have been an excellent customer, paying my mortgage promptly for over 15 years. I have repeatedly asked for a modification and was denied request because I was NOT LATE with payments. Finally became late because of chronic illness. 
I 've consistently submitted and resubmitted papers, spoke for months with Ocwen reps and was then denied because my income had dropped. This was the point in the modification in first place. I am getting nowhere with this company. 
Ocwen calls my home and hangs up when I pick up the phone. 
This is unacceptable behavior and an unethical business practice. 
My illness makes it extremely difficult to sort through papers and notices again and again. The stress is causing has increased my XXXX. 
Ocwen is throwing a person who is completely alone and ill in the street. I showed good faith all these years by making sure my mortgage was paid, no matter how ill I was. 
It is difficult for me to sit here and type this as I am XXXX from the XXXX compounding to my illness. 
I have asked they stop any actions towards foreclosure and grant me a modification in addition to taking the past due amounts and adding to back end of mortgage as I 've repeatedly requested so I can concentrate on healing and not worrying about dying alone in the cold. 
DON '' T LET THEM STEAL MY HOUSE! THEY 'VE MADE THEIR PROFIT! TREAT ME WITH THE DIGNITY AND RESPECT I DESERVE! 
Absolutely no fair customer service practices and no consumer protection. Please stop this madness!
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I ordered a TV stand and additional items from Ashley Furniture. I made a down payment on the purchase from my own funds and the remaining balance was to be billed to my newly acquired Ashley Furniture Store Synchrony Credit Card account. I paid for delivery and setup of the items. However, the first item I received was drop shipped to my home which was the TV stand. Upon opening the box, it was apparent I received a damaged product and it needed to be returned. I called the store and was informed I would need to return the item to the local store since it was drop shipped. Thankfully I have an SUV and was able to return the item myself and not be inconvenienced further in that regard. I returned the TV stand on XX/XX/XXXX and canceled all remaining items from the order that had not been delivered yet due to the customer service experience and damaged goods. I have receipts for the credits to my personal accounts for the down payment that was made and was informed I may receive one billing cycle statement but after that initial billing cycle, I would see where the Ashley Furniture Store Synchrony card was credited and would reflect a zero balance owed. That never happened. So, I opened a dispute with Ashley on XX/XX/XXXX. I was told any negative reporting would be placed on hold until the dispute was resolved. I've had to file a dispute with the credit bureau to have negative reporting removed once and that was taken care of. But since then Ashley is still showing a balance owed and is now reporting my account 60 days past due which has created a credit score issue for me. I've called customer service, collections, fraud department all to get the run around and no resolution. Finally on XX/XX/XXXX, I thought to try and resolve directly with the local store. I spoke with XXXX XXXX. She was able to locate a credit on their books for {$490.00} that's just been sitting there. She said she wasn't sure what needed to be done with it. I'm assuming this amount is what needs to be sent to Ashley Furniture/Synchrony to update my balance owed to {$0.00} as well as have the delinquent reporting removed from my credit report. XXXX XXXX was supposed to get with her manager on XX/XX/XXXX and call me back. I have yet to hear from anyone at the store. It has been impossible to resolve this issue with the store or the creditor at this point after six months. I've opened an additional dispute with XXXX for resolution as well. Also, it's important to note that at one point Ashley/Synchrony 's credit representative insisted that I never even filed a dispute with them, but I had documentation acknowledging a dispute was opened ( confirmation letter ). I truly need assistance getting the creditor to acknowledge their lack of action to work towards a resolution and how it has impacted my credit score. This is completely unacceptable.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (VT)

Credit Acceptance shows as a hard inquiry on Consumer 's Credit Report. Was supposed to be removed XX/XX/2018 and is still has not been removed from consumer 's credit report after appearing for two full years.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (AL)

Ive initiated an instant transfer on XXXX XXXX in the amount of {$4.00} from my Venmo account to my XXXX XXXX  account ( debit card ) but never received my funds instantly as the instant transfers promise. I have reached out to Venmo numerous times within a ( 1 ) week period theyre not to concerned or helpful with my issue, though theyve informed me my transfer has processed successfully on their end so I was advised to contact XXXX XXXX  support whom stated my funds are still pending on their end at this moment I dont know what to believe Venmo support team did provide me with a acquirer reference number so that my funds could be tracked I will be attaching the information below. XXXX XXXX  support informed me since its my first time transferring money Id have to wait 1 to 3 or up to ( 5 ) business days which is unheard of to me.
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners (IL)

My name is XXXX XXXX not XXXX XXXX. When I called for the third time " XXXX XXXX XXXX XXXX  '' to dispute this false allegations made. I said I have full medical benefits I pay nothing out of pocket, so if this was me in Florida I wouldn't have a bill. She said to me, We all ready charged your insurance!!! They charged my insurance on a false identity, I have notified these people 3 times that this is Fraudulent. Then ask me to pay them the remainder. I am a single Mom working full time in XXXX. I don't live in Florida. This is not me. They keep calling and sending mail. She asked me for money when she knows the account is fraudulent and that they already charged it to my insurance. 

Thank you for your time : )
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Companies on credit report ran credit without my permission.According to USC 1681 sec 604a they can not do this.Credit reporting agenies no help
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (NJ)

This company is reporting and inquiry on my credit profile that I do not recall submitting! I have reached out to this company by mail and the company is non compliant, also there is no active account on my credit profile indicating that I made this inquiry! I demand the deletion of this inquiry!
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (WI)

Approx a yr ago, Harris and Harris Limited called daily, sometimes 2 or 3 times a day, looking for a XXXX guy who owed debts. I contacted the company told a gal I was Not who they were looking for and stated my number was not his, and I wanted the calls stopped.They were beyond annoying and getting to be harassing. I reported this, the calls stopped, and now yesterday XX/XX/23, the calls started again. They are robo calls, female voice, and this last call came at XXXX XXXX. 
Harris and Harris Ltd actions are once again Harassing and this needs to stop immediately.
Consumer complaint received 2022-08-29
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)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Hello I am having an issue with Equifax XXXX and XXXX. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX XXXX is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX XXXX. That means I have no contractual agreement to pay then an alleged debt.
Consumer complaint received 2021-09-24
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 — Problem with personal statement of dispute
Company: I.C. System, Inc. (IL)

This company failed to provide proof of debt I asked them to cease collection activities until proof of debt is received.. They have failed to provide the requested information which caused my credit score to drop 35 on XXXX XXXX!
Consumer complaint received 2018-06-28
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: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

Please see the attached military police report. I need the fraudulent account removed from my credit reports. The fraudulent account for XXXX XXXX Indiana is still be reported by Helvey and Associates.
Consumer complaint received 2024-02-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

GENESIS Credit management refuses to take this unpaid balance off my credit. The timeline, ownership of account and circumstances of when this accrued were all protected by government. My wife was the owner of the lease at the time, and she hasnt lived there in over 3 years. And I never signed any lease paper work. My wife was the guarantor, not I. And I tried telling them multiple times but they wont remove. They asked me if my drivers license was ever issued there which it wasnt. The address Ive been under until I moved in XXXX XXXX XXXX XXXX XXXX XXXX Not the address for XXXX who is trying to collect. My wife at the time had qualified for the covid rent assistance which the state paid the building. This wasnt supposed to go on her credit. So something back from XXXX since they couldnt collect from my wife they threw on my credit at the end of XXXX. Almost 4 years later. Their tactics are unethical, I want this removed from my credit asap. From all three credit bureaus
Consumer complaint received 2023-08-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I have communicated with Nelnet regarding a loan for XXXX XXXX XXXX in XXXX which this loan was a student loan, but somehow it turned to a commercial student loan, as high {$10000.00}. Im unaware of signing for a commercial loan or applying for a commercial loan. I received a call from a Nelnet representative in XXXX XXXXXXXX regarding repayments. I informed the representative that payments were on hold per president, Joe Biden order. I was then told I had a commercial loan, after his statement, I told him I have a student loan. Nothing was presented to me after I disputed his statement, the representative laughed and stated, your loan is not on hold and you do have to pay. Late payments were submitted to the credit bureaus without presenting me any information. Im not going to pay for something and unsure of my liability for that commercial loan. The information Ive received appears to be fraudulent because the school that they have listed ( ie, XXXX, XXXX XXXX ), I have never attended.
Consumer complaint received 2021-09-24
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (IL)

This company failed to provide proof of debt I asked them to cease collection activities until proof of debt is received.. They have failed to provide the requested information which caused my credit score to drop 35 on XXXX XXXX!
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

my students loan are reporting late payments back in 2015 however i was never late disputed with the credit companies transunion XXXX  and XXXX  i seen no proof ive sent in proof and it still reporting late payment on my credit which is keeping me from getting approve for a home loan
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called many times and keep getting the run around. They will not make the repair to the report and it is costing me money because of my interest rates are going up. 

For some reason they wiped out all my credit age. It use to be 12 years, 2 months. Now it is 1 month My credit score use to be XXXX, NOW it is XXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

XXXX fraudulently opened an account in my name in 2020 and sold the debt to a third party company named XXXX XXXX. They refuse to remove this account and now I have a collection on my credit report.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America recently closed my credit card accounts on XX/XX/XXXX, would not refund my annual fee, explain the reason for the closure and they confiscated my accumulated rewards. 

The reason I was given was " irregular authorized user activity '' however they failed to tell me what that exactly was. This baffled me as I haven't added an authorized user since XXXX, I had only added three in the 12 months ( XXXX, XXXX and XXXX ) all of these users were added by me and work with my small business and there are no instances of fraud or irregular account usage. They said no reconsideration no ability to explain despite my legitimate business/corporation. 

This does not make sense as I have $ XXXX in investment assets with them, a checking account, three personal credit cards that they closed ( $ XXXX limit opened in XXXX of this year, $ XXXX limit opened in XXXX of XXXX, and $ XXXX opened in XXXX ) and a business card. I always pay in full every month. 


My credit score is around XXXX now ( refinancing so it's been higher before ) and in any other way I'd appear an ideal client ( high income etc )
Consumer complaint received 2023-08-16
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: Block, Inc. (VA)

On XX/XX/23 I paid {$350.00} to XXXX XXXX XXXX in XXXX Virginia. That day and every day after the merchant and their tech support has tried to find the funds as it was not received in their system. I have tried to contact cashapp to research the obvious glitch that merchants are not receiving payments showing completed and deducted from consumer balances. They have hung up and refused to investigate including trying to have me complete a dispute form choosing a incorrect reason ( which is fraudulent and not truthful and will cause them to close my account and never research anything ). Please fine cashapp a violation of fair and transparent financial transactions. Also investigate how many other they have done this too. I cant dispute a valid and authorize charge I received the goods and services for but the merchant didnt get there funds and cashapp wont fix issue. My phone number is XXXX, cashtag XXXX
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (CA)

I am unable to ubtain a cash app card I have tried to order a cash app card over and over numerous of times for months and I am yet to receive a card m not sure whats the issue but I really need my cash app card Cash app XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XX/XX/1987
Consumer complaint received 2019-10-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MD)

I have had a mortgage refinancing with M & T bank since 2012, FHA streamline mortgage. 
This bank has consistently increased my mortgage payments despite the fact I paid escrow shortage every time. They are essentially committing fraud and preventing me from paying off my mortgage sooner by increasing the amount per month annually despite the escrow shortage being paid. 
I have asked them to resolve this issue to no avail and even asked to pay escrow separate and they refused because they will lose out on the interest. 

I have lost a lot of money with this banks business practices and need them to be investigated.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-30
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. (UT)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent Trans Union a dispute regarding XXXX XXXX XXXX and the validity of this fraudulent item on my consumer report. Nothing has been done about this account that does not belong to me.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (FL)

This complaint is against Bridgecrest. They sent in a 30 day late payment against me to the Credit Bureaus and said I was late by {$23.00}. I asked them to remove this because I have worked hard on my credit and I make sure I am never late. How am I late by {$23.00}? The young lady said she could not help. Bridgecrest has lied because I am never late with my bills. I refinanced my house and paid them off because they are not a fair company. I would like to have the late payment removed.