davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (CA)

Credit Control Corporation has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX  hardship and suffering through loss of sleep and anxiety. I DEMAND TO GET THE FOLLOWING ITEM REMOVED FROM ALL 3 CREDIT BUREAUS : Account information : XXXX XXXX XXXX XXXX XXXX Account number : XXXX. Date Opened : XX/XX/2020 Original balance : {$130.00}. 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Sending statement to old address after. I told cable company of forwarding address. 
Re-aging account. 
Negligence. 
Unfair business practices. 
Robot calls. 

Because all the damages and violations that I have suffered, I deserve to get this item removed from my reports.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX was sold to XXXX and I have since then paid the account in full. I would like for the XXXX account to be removed from my credit report. Its currently showing as a closed account. The XXXX account number is included in the document.
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (IL)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Consumer complaint received 2022-02-16
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. (IL)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 1692K.
Consumer complaint received 2016-09-20
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Thunderbird Collection Specialists, Inc. (AZ)

After requesting the information to be sent and not to be called until i receive the documentation, i was called at my place of work and verbally insulted. i asked repeatedly for the persons name and they refused to provide it. i have asked to not be contacted again but they continue to call.
Consumer complaint received 2016-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I 'm desperately asking for your help with my mortgage Servicing company Ocwen Loan Servicing & the investor of my mortgage loan XXXX XXXX. I have been living in my house since XX/XX/XXXX. I bought my property at a very high value of {$890000.00} at that time. Now my property is worth half of that. I 'm a struggling home owner, I have a daughter that is going through XXXX at this time and It has been extremely difficult morally, financially and XXXX. I do n't want to lose my home at this time when my daughter is going through this difficult time. We have nowhere to go. 
I have asked Ocwen Loan Servicing to help me out but apparently the investor of my loan XXXX XXXX does not want to help me out. On XXXX XXXX, XXXX they have denied me for a loan modification. When XXXX XXXX needed help during the government bailouts, XXXX XXXX took more than XXXX dollars of from us tax payers, and I believe they paid back the money, but my point is that everyone needs help at one point and for me unfortunately I 'm asking for help a second time. 
Today I 'm asking you as a representative of the people to help me in pursuing Ocwen Loan Servicing & XXXX XXXX to help me so I wo n't lose my property. I became late in my mortgage payments because the reduction in my monthly income. I was a self-employed driver for years and had my own business. Due to business failure I had to close down my business and became a XXXX employee at a company. As a XXXX employee I 'm not making as much money as I used to. However I not only a XXXX employee but now a part-time self-employed as well. Starting XX/XX/XXXX I have been getting money a self employed and my XXXX job. It has been a very tough time and sometimes I work 16hrs a day but I have no choice but to keep working because I want to save my home. I am the only one working and I 'm also renting the XXXX unit on my property. Recently I have demostrated Ocwen Loan Servicing that I make the sufficeint money to maintain a payment but they have refused to help me. All I 'm asking is to please put all the payments on delinquent in back of the loan and I can resume making payments as usual. I can not pay all the payments I 'm behind but I do need help to catch up. I do n't want to lose my house, I can now start makng payments since in the last few months I have been having a higher and steady income.
Consumer complaint received 2022-09-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX, has 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
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (AZ)

My card was stolen and someone was able to access my account and i reported fraud immediately and made police report about the fraudulent activity to current which is XXXX  XXXX XXXX the did a investigation they say didn't give me any type of detail or information they said no to theh cant reimbursed me for fraudulent activity they wont let me speak to aye supvisor about it i just want my funds back
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HW Holding, Inc (SC)

Hunter Warfield, a collection agency out of XXXX has been trying to collect a debt and been threatening my credit rating. I just learned today that they have reported me as deceased to XXXX even though they called me again today. I have started the dispute process with XXXX and also contacted Hunter Warfield and spoke with XXXX XXXX who assured me that they did not report me deceased. I have paperwork coming from XXXX to confirm the report. What can be done about this?
Consumer complaint received 2017-10-12
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: Bread Financial Holdings, Inc. (CA)

XXXX XXXX,2016 Comenity Capital/XXXX had pull a hard inquiry on my XXXX  Credit report. I have no knowledge of this inquiry nor did I give the authorization to pull my credit report therefore this is invalid.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OK)

I received a flyer in the mail stating that Ocwen was part of a {$2.00} XXXX settlement. I have a mortgage with Ocwen on my secondary lake home at XXXX XXXX in Oklahoma. I contacted the XXXX number as was told since XXXX owned my asset and that they were exempted from the standard Mortgage banking rules, that I had to default on our monthly payment to be recognized for the reduced rate. I do not believe this is true. Please confirm.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was living with a friend and he went through my personal belongings and I found pictures of my ID, social security card, and my credit report on his computer. I checked my credit report and their was a credit card maxed out. my bank accounts have suddenly been closed due to fraud investigations. the banks tell me it is my fault for leaving my purse out in my own home where I thought it 'd be safe, but apparently it was giving him permission to go through my belongings. my signature has been forged on checks from his account deposited into my accounts and he is saying I did that. I ca n't open a bank account anywhere. I ca n't even get a job.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Our mortgage company is not working with us on trying to get a resolution on our past due amount owed. They are not workign with us and will not let us know what we can do to save outr home. I am trying to get something since I was laid off back in XXXX. I am working now but no one will call me or work with me on a resolution No matter what I try to work out or file for I am always told by SPS that we do not qualify.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have/had a credit card with American Express for a long time. They bill me using my email address. They changed something and the bills went into my trash and I did not see them. After two month they called about the bill and I paid the bill at the same time they wanted a additional XXXX dollars for me t to keep the credit card when they are offering the same card for free. I declined the XXXX dollar fee and elected to discontinue. I had many years of points ( which are like money ) which after XXXX or XXXX customer service representatives telling me I could get them finally said I could not get them because I was behind in my payments which was their fault. What can I do to get my points?
Consumer complaint received 2016-09-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (CA)

I have been unable to communicate with the company regarding how my payments are being applied to principal and interest. I have not been able to get an updated amortization schedule of my payments, even though I 've contacted them by both phone and email several times. The customer service center has been unable to even tell me how my upcoming payment ( s ) are going to be applied. I 've been told when speaking to the customer service center by phone that there is no department available for me to escalate this to by telephone and that I must email. I have emailed the address they provided four different times and have received no response whatsoever. The company tells me that because I changed my payment date ( allowed one time during the life of the loan ) that they no longer have the ability to amortize my loan and I can only find out how my payments are being utilized ( P & I ) after the payment is processed. The level of this company 's apathy to my requests is unbelievable. I make my full payments, I 'm not concerned about the amount of the payments as I was aware of that when I took the loan ; I am just trying to understand where my money is being applied so that I can better manage and understand when and how much is going to work best for me if I can make an extra or larger payment to help me pay this off sooner. 

The company did send me a transaction history, but this has no future payment schedules showing. This was in response to my request for the amortization schedule. I just find it hard to believe that as a financial company, selling financial products, that they have any kind of inability to see an updated amortization schedule. They have one - they just are not willing to share it - as they know and have calculated how much they can make from the loan they gave me. Please help me get the requested information from them.
Consumer complaint received 2024-02-16
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. (MO)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

I purchased a small amount of cryptocurrency from Coinbase.com about two years ago or so. I lost access to the account once because I didn't remember my password and had to follow their steps to regain control ( to include taking a photo of the front and back of my license and to take a selfie so they can confirm I am truly the account holder ). The first time I did this it took a few days but I was able to get back into my account. 

Recently I tried to access my account so I can complete my taxes. I was not able to gain access so I followed the steps as before. However, this time, no matter how many times I took a photo of my license I would instantly get a message that said the system could not confirm it was me. I called their customer service line a few times and the people who were helping me said they would manually review my documents when I forwarded them, to include the selfie I sent. 

Each time I sent a photo of my license, which was crystal clear ( I used my straight out of the box XXXX XXXX phone to take the photos and it is known for its picture clarity ), the system would not let it go through so the staff weren't able to verify the information. It literally gave me the instant message that it could not confirm me. If someone is manually reviewing the documents it could not possibly have gone that fast. 

Further, according to the last staff member I spoke to, because of this issue there is literally nothing I can do to access my money. I know it's a nominal amount because I have not been in the system for quite a while. I find this practice questionable because the issue is with their platform that won't let me in, not with the documents I sent. 

I understand and very much appreciate the safeguards Coinbase.com has in place to avoid fraud because of all the issues around cybercrime today, but I didn't do anything different this time to get reconnected than I did last time. I do not feel like this is my fault and would like it resolved. 

Ultimately I would like to cancel this account immediately if at all possible. Thank you. XXXX XXXX
Consumer complaint received 2022-08-09
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$23000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account.
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (AK)

Commonwealth claims to be collecting on a 4.5 year old debt. I am unaware of any unpaid medical debt, I never authorized this company to possess any medical data on me. The are reporting a wrong address. They also state that the amount may be different because it does not reflect any payments made after the service date. So they are collecting on money not owed because I owe no medical debt. Failed validation attempt.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

my statement says total amt, due XXXX..my monthly payment is XXXX..plus late charges XXXX. ( .i was told there was no interest on late charges .... ) you can check your quality assurence recordings for this ... so XXXX -XXXX= XXXX XXXX-XXXX= XXXX left what is this XXXX for and am i paying interest on it ( if so what is the % ) ..and if so, how much interest has " accrued '' ..and how much charged on a daily basis? is this reflected in my '' estimated " payoff balance?. or are you going to tack this with interest on to end of loan like I 've seen so many people complain about? your numbers are shady and I 'm going to keep disputing them every month if need be
Consumer complaint received 2016-04-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IL)

RE : Santander Consumer USA - Account # XXXX To Whom It May Concern : I am writing this letter to in regards to my car loan with Santander Consumer USA. I am concerned that when I submit my payments the correct amount is not being applied toward my principal. For example my XXXX payment of XXXX was due XXXX XXXX, XXXX and the payment posted on XXXX/XXXX/XXXX. When reviewing my payment history XXXX was applied toward my Interest and {$31.00} was applied towards my principal. 

Original Loan Amount : {$15000.00} Interest Rate : XXXX Loan Started on XXXX/XXXX/XXXX
Consumer complaint received 2021-06-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have received a copy of my credit report and it shows company PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2016-08-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Complete Collection Services, Inc. (AZ)

Complete Collection Service continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.