davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

Ocwen is my mortg. company that just in at best, the past 5yrs to date, I have had countless issues, paid my own way through escalated foreclosures that I had to hire an attorney as well as was awarded a very small " award '' & acknowledgment from the government 's Independent Foreclosure Review Board for their illegal practices that are still continuing today, XX/XX/XXXX. For over a month I have been yet another victim to their many tactics. XX/XX/XXXX, I contacted Ocwen regarding various mortgage options avbl. to me & the requirements for them to send me the modification packet as I requested. For the next month, as I followed up every week, Ocwen stated they never rcvd. the authorization from my attorney to discuss my acct., as required. After that point, my Atty faxed another letter on XX/XX/XXXX. Ocwen stated it takes 2-3 days to update receipt of paperwork so when I folliwed up XX/XX/XXXX, Ocwen stated my Atty. neglected to put my case # on the authorization that was faxed. They & my Atty. we 're immediately contacted to clarify & rectify the situation yet Ocwen insisted they still could not move forward until a new letter with the case # was faxed by my Atty. I followed up with both parties every 3 days & after speaking to Ocwen Monday of this week & after having choice words with my Atty, I was provided w/ a copy of the XX/XX/XXXX letter they faxed to Ocwen that low & behold, has all the info. I was instructed by Ocwen needed to appear, including the case #! On XX/XX/XXXX, When I confronted Ocwen with my Attys. proof of the letter, I was then told, yes, it dies have the case # they spent a mth. was not included, but now stated the wording in the authorization also did not suffice, prompting my Atty to have to submit yet another letter faxed XX/XX/XXXX. Ocwen has instructed me to check back w/ them on XX/XX/XXXX to confirm their receipt of the letter & see if it allows me to receive the modification documents as I requested.
Consumer complaint received 2021-08-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CURO Intermediate Holdings (TX)

this company produced a fake check and ran it through my banking account for {$910.00} on XX/XX/21. Ive never been contacted by this company much less taken to court. I reached out to them when i was fixing my credit we could not come to an agreement so i left it alone. My bank seen that it was fradulent and returned the money back. Now they are reporting negative remarks every month they are bullying me. When they did the fake check thing i called and said that was illegal the lady was very shady and wouldnt give her name only her intials please help this cant be acceptable
Consumer complaint received 2020-12-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I renewed a CD online on XX/XX/2020. On XX/XX/2020, I received an e-mail from the bank saying that a Notice of Renewal letter was available for me to view. I logged in online. However, under the Notices and Letters, under the Select an Account dropdown list, I only found four choices-one Checking, one Savings, one CD and one Visa account. I have 5 accounts including two CDs with the bank. The CD I just renewed is missing. Hence I could not access the Notice of Renewal letter. This particular CD was in the dropdown list before I renewed the CD. About a month ago, I downloaded the Notice of CD Maturity letter here. What's going on! I already called the bank several times a few days ago. Two times I talked to their Technical Support managers and both times the managers could not resolve the issue and end up the phone got disconnected. I spent more than two hours. This morning I called again and waited and finally the phone got disconnected again. These days, it's very difficult to communicate with the bank and talk to a 'real ' person.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please validate this information and provide me with copies of any documentation associated with these inquiries, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 





XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   declines to remove these unauthorized inquiries ... creditor stated that their company could not remove and apologized for the trouble .... 

Transunion is no better ; they have 11 unauthorized inquiries that they decline to remove ... and will not forward me any documentation bearing my signature ... creditor stated that they have no power and do not encourage bureaus to keep reporting unauthorized inquiries ... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (LA)

This is my other 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

I received this letter and it was from XXXX XXXX XXXX. It said " They took my debt from JC Penney and Synchrony Bank and it says I owe {$480.00}. I had never heard of Synchrony Bank, to my knowledge. they had not attempted to contact me previously. I called JC Penney and they transferred me to Synchrony Bank. Synchrony Bank initially told me that the last charge on my JC Penney Card was in 2016. They also said that my account balance was XXXX dollars. I inquired about the letter I received. She said she saw another account that they said I had. To my knowledge I have only ever had 1 JC Penney account. She told me the account was locked and transferred my phone call to an automate service that attempted to collect debt from me. I called Synchrony Bank back and spoke to another customer service representative. She told me the account was locked and she was going to transfer my call. I objected and said I had already been transferred in a previous call. I asked to speak to a supervisor. She tried to avoid that by telling me " the supervisor also will transfer my call. I again asked to speak to a supervisor. My call was transferred to a supervisor who also told me my account was locked. They wanted to transfer my call. I declined and ended the call. I did internet research looking up consumer reviews about Synchrony Bank and XXXX XXXX XXXX. I found that both companies have been repeatedly accused of fraud, scams and unethical business practices. Seeing this I knew I had to report this immediately. 
So, I did, which resulted in claim # XXXX. In the interim of waiting for this claim to be resolved, I received a phone call from someone claiming to be from XXXX XXXX trying to collect this supposed debt. They said XXXX to start the call and I said yes. I explained to them why I dont owe debt and they kept trying to keep me on the phone and get me to confirm my full name. I have heard of these scams before, where people are tricked into saying yes or the full name and then the recording is doctored to try to make it seem like someone agreed to pay a debt. I did not confirm my full name and I ended the call. Today I got an email stating that my claim was resolved unfavorably to me. I called Synchrony Bank and the woman who answered the phone would not tell me when the alleged charges I am told I owe were made or where they were made. She transferred the call upon my request. Someone asked me who I was and I said XXXX. They immediately ended the call. This is clearly a scam and they are trying to collect debt that simply does not exist. I am at this point unwilling to call them because I do not trust they will be helpful. I would like to have another claim submitted where Synchrony Bank is required to state when and where and for what exact amount this supposed charges were allegedly made.
Consumer complaint received 2022-08-13
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. (GA)

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 XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I recently sent letters over 60 days ago to the bureaus and they are disregarding a regular consumer dispute. I am beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Consumer complaint received 2022-11-05
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. (MD)

XXXX XXXX XXXX XXXX Inaccurate  reporting showing different dates of last activity, also showing different dates of opening and last dates report on all 3 major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the CRSA enacted XXXX  Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (VA)

Many financial institutions use a service called XXXX to identify bank account access to brokerage accounts. I tried to set up automatic transfers from my bank account to My brokerage account and PNC blocked access to that information. This is unreasonable as many banks use this service, and I have used this to transfer funds to other accounts. 

This is apparently a recent change and customers were not notified. PNC 's customer service says there is nothing I can do about this.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-11-04
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. (TX)

on XX/XX/2020, I called the creditor XXXX to discuss options to pay off outstanding debt. A week later called back and accepted them terms and conditions and authorized a settlement payment that XXXX never excecuted. Months later I continues to see the outstanding debt so I called nordstrom only to find out they never completed the payoff and it was sent to collections. I called the collection company SenteyCredit and settled to be paid, which cleared, and I received a born in full statement. Now XXXX is still reporting an outstanding amount containing to show not only a balance but a negative payment. I have paid this credit and attempted several times they unfair credit reporting behaiors has affected me with not be offered a job due to the unfair reporting business practice of XXXX.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WI)

XX/XX/12, Got a fraud call from someone who spoofed my bank 's phone number who claimed there was fraudulent activity on my account where supposedly a user had hacked into my account and was sending themselves money through XXXX. How the only way to dispute the money sent was to send to said user for it to show up on my bank 's system. Sent a {$2000.00} transaction and a {$1500.00} transaction to XXXX. They knew my address and full name on the card. Called bank later to find out it was a scam. Bank filed a claim and said I most likely would not be returned my money. My bank is US Bank.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In the month of XX/XX/2020, I received a business loan for my business ... I used my personal bank account due to me being a sole proprietor, Capital One then closed my account & refuses to release these funds or send them back to where I got it from so I can attempt to get the money back. My case with them has been closed & they provided false information towards my EIN number that I have. I would like for them to release the funds to me or send the money back to SBA.
Consumer complaint received 2022-08-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights account opened XX/XX/2021 for {$1200.00} 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
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

We refinanced our mortgage loan with a new company and closed out the original loan with an effective date of XX/XX/2020. As part of this transaction, we are owed {$1400.00} from our old escrow account with Lakeview Loan Servicing , LLC Mortgage and serviced by XXXX. 

Ever since this date, now approaching 60 days. I have been trying to contact them but I have been ignored, hung up upon and/or sent to an " automated service machine '' which is unable to help with my needs. I have also tried to reach them via email which have also proved unsuccessful.

At this point, and also based on know tactics from this company according to a quick internet research, I believe this company is proposedly avoiding me.
Consumer complaint received 2020-10-27
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: Franklin Collection Service, Inc. (NV)

On XX/XX/XXXX I contacted Franklin Collections requesting them to verify that a collection account for {$670.00} they are reporting to the credit bureau was mine. As of XX/XX/XXXX Franklin Collections has not verified nor replied to my request. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX, Franklin Collections replied on XX/XX/XXXX stating that I needed to contact XXXX XXXX XXXX/XXXX  XXXX directly to resolve the issue. I contacted XXXX XXXX XXXX/XXXX  XXXX  directly and received a letter on XX/XX/XXXX from them stating that I was not responsible for the debt. I was told by XXXX XXXX XXXX/XXXX XXXX  that Franklin had also been notified that the account does not belong to me. On XX/XX/XXXX I filed a dispute with XXXX, I enclosed the letter from XXXX XXXX XXXX and police report. On XX/XX/XXXX I received the dispute results from XXXX  stating that the Franklin Collection had verified the account to be accurate and belong to me. Franklin Collections has not verified the collection account and is reporting false information to the credit bureau.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BANK OF AMERICA CLOSE MY ACCOUNT BECAUSE I USE BILLED PAY TO SEND MYSELF CHECK. BECAUSE I COULD NOT GET TO BANK END TIME BY THE TIME THEY CLOSE. IN THERE CLOSURES IT DOES NOT SAY YOU COULD NOT USE BILL PAY FOR THAT.. I HAD NO CHECK FOR THAT ACCOUNT.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights account opened XX/XX/2021 for {$1200.00} 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
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PACIFIC CAPITAL EXCHANGE (FL)

XX/XX/2023 a company called all my family members and XXXX and they left the same XXXX message stating they knew the individual was associated with me ( XXXX XXXX ) they stated that if I dont answer then they will be responsible. Never sent me any letter or email or call me either but somehow found all my family and close friends and disclosed collections and XXXX XXXX. This company violated my rights! The company is called XXXX XXXX XXXX 

( XXXX ) XXXX XXXX They need to stop calling or I will escalate mater up as needed XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Social Finance, Inc. (CA)

SoFi finally didn't open an investment account for me because of my nationality. It seems an act of DISCRIMINATION because I am a XXXX XXXX of USA and there is no restriction for residents. 

I asked them to delete all of my information from their system as they are GDPR-compliant, but finally they sent me the attached comment!
Consumer complaint received 2020-11-16
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)

Transunion has blocked my credit file, therefore, preventing me from filing a dispute against companies who want to report and correct data. This problem is since XX/XX/2020. Trans Union has failed to comply with the FCRA laws, I have been denied loans because they refused to fix information erroneous on my credit file
Consumer complaint received 2020-11-16
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: Santander Consumer USA Holdings Inc. (UT)

1. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2022-08-13
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. (GA)

On XX/XX/XXXX. I have contacted XXXX XXXX, XXXX, Transunion, and XXXX. About a XXXX XXXX Bankruptcy. I told them under US Bankrupurcty courts. The court do not verify and do not report to the credit the credit bureaus. I just want the information on my public record to be remove.
Consumer complaint received 2021-08-18
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. (GA)

I submitted a dispute to Transunion, XXXX and XXXX that they are reporting incomplete credit information on on account with XXXX XXXX XXXXXXXX. I demanded that the account be verified and it has been over 30 days since dispute letter has been sent out asking for completion of this inaccurate reporting. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information Is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.