davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

We have a mortgage with OCWEN Loan Servicing LLC . We got behind. Now its out of control. Received Pre-Forclosure Letter dated XXXX/XXXX/2017. I called spoke with XXXX ( since our assigned customer service rep was again unavailable ) We discussed the account, to do a repayment plan we needed to pay half of the arrears, plus late charges. The amount was {$3900.00}. It would require {$1900.00}. Which we did not have. I informed the csr that taxes were filed and due no later than XXXX XXXX, 2017. Without the {$1900.00} we would need to file a request for modification. At this time I was told Foreclosure had not started. I went to the web site and had issues getting to the forms. I made our payment of {$970.00} on XXXX/XXXX/2017. Then on XXXX XXXX, I called OCWEN back. I got a csr XXXX, the amount was now {$4900.00}. We discussed a 5 month repayment plan {$1000.00} down and payments of $ XXXX.Again no foreclosure in process. XXXX would put the paperwork for approval. On XXXX XXXX, I called back, and was connected with XXXX. XXXX informed the repayment plan could not be accepted since we were in active foreclosure. The amount in arrears is now {$5900.00}. In order to stop foreclosure proceedings we need to file a Modification Request. XXXX explained the process, we prefilled forms out and he would e-mail them to me. I have received the forms and its proving to be nightmare getting them out of PDF so we can fill them in/sign and return. As of today XXXX XXXX, 2017 we have not received anything in writing from OCWEN on the status of our mortgage. We did a modification 7 years ago after I lost my job. In the end, according to the paperwork we will owe a balloon payment at the end of our 30-year mortgage of {$180000.00} Which basically is where we started. I am so confused, We do not want a modification, but a repayment plan to get back on traack. We can not afford to loose this house. We do not have the funds to move 20+ years of stuff, nor time to do so, at this accelerated process.
Consumer complaint received 2021-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Consumer complaint received 2020-10-16
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: Experian Information Solutions 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 2020-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

I've been paying extra principal on my mortgage for last few years. I never had a problem with that, I've called mortgage company and explained that any money above the monthly payment need to be applied to principal. Last few months they started to split my payment and started to apply for extra monthly payment. I've called them and explained that I don't want to do extra monthly payment and that everything should be applied to principal, but they don't want to quit. I've just received monthly statement and they did it again.
Consumer complaint received 2015-03-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I made a payment on a {$69000.00} loan of $ XXXXXXXX3.62 % they applied {$960.00} to finance charge and {$230.00} to principal. This is wrong. I called and was told they will look in to it. My first call was XXXX/XXXX/15, they have still not resolved this. I do n't know who this Co is Specialized Loan Servicing LLC, they said they got this loan from XXXX XXXX XXXX XXXX to witch I have been making payments for several years.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

There are so many little collections listed that go away and come back, they are unknown, requested several times from ALL the companies and nothing has been received. I want this removed CAPIO PARNERS LLCXXXX Balance : {$200.00} Capio Partners LLC XXXX Balance : {$200.00} Capio Partners LLCXXXX Balance : {$200.00}
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NC)

I am a long time customer of Belk 's, a department store in XXXX, N.C. I have had a credit card with this company since XX/XX/XXXX. Last year Belk 's credit card was bought by Synchrony Bank. I have always paid my bill on time and I have always paid by check. On XX/XX/XXXX I received a letter from Synchrony Bank that falsely stated it had reviewed my account and " discovered a number of dishonored payments '' and based on this was " suspending your charging privileges ''. When I called to complain about this false statement and to demand proof of their statements, the bank rep refused to produce any evidence. The rep falsely claimed that I paid by credit card with an incorrect account. This assertion was false. Accordingly, I offered to produce my cancelled checks. They continued to assert that I had paid by credit card. I demanded to know if they intended to report this false statement to the Credit Bureau. They admitted I had not paid late and therefore could not report these false assertions to the credit bureau. In addition, this bank called numerous times falsely accusing me of having paid with an incorrect credit card account. We closed the account. Although I ultimately will not suffer harm from Synchrony 's false statements, I believe this bank should be investigated for false and fraudulent conduct. Also, Belk 's should understand what the bank is doing and how it is harassing customers and how it is engaging in false consumer loan practices.
Consumer complaint received 2017-04-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (VA)

On XX/XX/2016, I requested a cease and desist letter with the lenders of my car loan, Consumer Portfolio Services. I have also requested that I do not receive and text or automated call from this company. I have never been over 15 days late on my car loan and while I understand that this company has a right to inquire on a debt but the numerous calls, sometimes 3 or more a day is simply out of control. This company has continued to ignore my request and I want it to stop.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Payoff process — 
Company: Army and Air Force Exchange Service (MO)

Military star card complaint. 
Background, The military star card allows you to purchase items through AAFES exchange stores and outlets with a decently low interest around 10 %. the same card also allows you to purchase military clothing with a 0 % interest. 
Lets say I spend XXXX to purchase military clothing in XX/XX/XXXX and purchase XXXX in the AAFES store. 
I do not want to pay interest so I pay XXXX to the military star card. Thinking since they must apply the XXXX to the highest interest. Well they do n't they end up applying around XXXX to the interest side and XXXX to the non interest side and this is my problem. XXXX are being ripped off because of this and they should n't be.
Consumer complaint received 2023-04-05
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

This is regarding a money laundering compliant against coinbase.com for cryptocurrency worth around $ XXXX XXXX. Coinbase helped criminals facilitate crime who extorted me of a large amount of cryptocurrency. Coinbase aided and abetted criminals. Their customer service took over a month of countless followups to respond. They responded with a generic copy pasted response and DID NOT EVEN OPEN MY LETTER OR ATTACHMENTS. They are incompetent and I need help with getting a hold of a XXXX XXXX that will admit they have broken AML laws and owe me a full refund for my damages. I've attached a letter with all the details. 

In addition, they are not cooperating with law enforcement to reveal the identity of the of user who is the owner of the COINBASE COMMERCE MERCHANT account.
Consumer complaint received 2017-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ideal Collection Services, Inc. (FL)

I disputed this already and if I need to write a formal letter I will. Yes, I signed the lease but never stepped inside his apartment due to being hospitalized for XXXX months. XXXX the treatment center I was that wrote a letter and XXXX said I was not living there anymore. She also said she was not living on there anymore. It is XX/XX/XXXX and I 'm just finding out that she has been living there and got a XXXX did and I never properly was taken off the lease. I have tried talking to the apartment company but they have sold the debt to the collections agency and this needs to be removed. I will not stop hassling until it gets done because of the legally I signed a lease I was physically unable to move in and she was falsely representing me. I have tried to contact her and I have no idea where she is and she also caused any eviction which goes on my record as well. This is not right and I do not have the money to pay for something I was told she was not even living there anymore so I was not having to worry about the lease. I physically never lived here although I signed the lease. I was in the hospital and she lied and represented me and was pretending like I was living there with her. This debt is not mine this is her responsibility. This was back in XX/XX/XXXX and I am just now finding out about it because it was supposed to be removed from the lease since I was in the hospital and she said that she was not moving in.
Consumer complaint received 2016-01-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: National Credit Systems,Inc. (TX)

This debt was acquired by a individual who I was going to move with, so we filled out the forms for the apartment and he gave a deposit check/ by the way his name is on that account only, not only that the apartment application was denied because of debts on his credit not mine soooooo I don ; t understand why they think they cn naow put this on my report when i was not denied the apartment as well as i did not give them the check so how the XXXX is this legal?
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Select Portfolio Servicing refused to put " this account is being disputed '' on my credit reports with XXXX credit bureaus even after 30 days and 60 days expired. Called me at night XXXX XXXX Said would pick up money from my house and job. Caused me to lose jobs, not get car and business loan, my credit score went down.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I HAD RECEIVED A VISA CREDIT CARD # XXXX FROM CAPITAL ONE AND ABOUT XX/XX/2016 THEY PLACED RESTRICTION ON MY ACCOUNT & NOT ALLOWED ME TO USE THE BENEFITS THE CARD GOT TO OFFER UNDER CASE # XXXX. I HAD SUBMITTED ALL DOCUMENTATIONS FOR PROOF OF MAILING & PHYSICAL ADDRESS AND THEY INSISTING ON THREE WAY CALLS WITH MY FINANCIAL INSTITUTION TO INQUIRED PRIVATE BANKING INFORMATION ABOUT THE ACCOUNT WHERE THE PAYMENT ARE MADE ELECTRONICALLY. THEY ARE VIOLATING ALL MY FEDERAL PROTECTION RIGHTS IN REGARDS BANKING. I NEED TO HAVE MY ACCOUNT RE-ACTIVATED IMMEDIATELY PLUS ALL REMEDIES ARE AVAILABLE FOR ALL THE E-MAIL & PHONE CALLS.
Consumer complaint received 2015-09-30
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Account Recovery Specialists, Inc. (KS)

Arsi garnished XXXX $ from my savings account due to my mother 's debt to them she was a secondary signer due to me being underage for the account. She had no access to my funds nor did she make any transactions in my account it is only mine and they seized all my hard earned money I have no gas for car food or bill money due to a wrongful action from a debt company.
Consumer complaint received 2024-02-13
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried numerous times to have a bankruptcy that is reporting on my file removed as it is not mine. The company reporting it to you XXXX is frozen to my personal information due to fraud. So how is it possible this wrong information is reporting on my credit report. This is my last attempt to have it removed or I will be taking legal action.
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I received a call from this phone # saying that they were from card services, tthe person stated there is nothing wrong with your account but you have anopportunity to receive 6 % interest rate. problem being the person could nottell me what bank card company I was with and they are saying that theygot my number & info from XXXX. I called my card company and they saidthat this is not them.the number in which was on my phone was ( XXXX )
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX 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 2020-09-09
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$7700.00}, {$2800.00}. 
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 ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: QC HOLDINGS INC (NE)

XX/XX/XXXX I was contacted at my workplace by a co-worker stating that she received a call from this company stating she was going to be faced with a civil suit in XXXX XXXX XXXX on a legal matter that involved me. She gave them my work number. The company identified themselves as a service that needed to advise me that there was a pending civil suit against me and the male voice then transferred me to a company that announced themselves as XXXX - her name was XXXX. she stated QC Holdings were going to file a civil suit in XXXX XXXX for breach of a contract back on XX/XX/XXXX. I advised I have never heard of QC Holdings Company. I asked that they please not contact me at work and told them that this must be a spam. She then talked over me stating this was the number that was listed on my contract and said other things that I did not catch all of the conversation as I was caught off guard, at work, upset with someone threatening a civil suit for a breach. I verified with her my cell number. I asked what this company was? she then sent me to a gentleman named XXXX. I ended call before he came on. I then received a call on my mobile XXXX. He identified himself. I again asked questions of who they were and why were they calling me. He was very pushy and I asked to please send me proof of the contract that they stated I breached. He said he did not have that info. I finally got out of him it was a check cashing loan place that was stating I had not paid an amount of {$280.00} and the statute of limitations for his client would be running out soon and they needed to collect this. He stated it occurred on XX/XX/XXXX. He identified my last 4 of SS # and my bank name but account number last XXXX was not correct. He also stated the address of the pay day loan company here in XXXX. I had settled with a check cashing company that I used back in XXXX with the address that he stated this took place in XX/XX/XXXX. I settled this debt through the assistance of a credit advisement company that is in here in XXXX Called XXXX XXXX  I told the gentleman this, but he again stated I would be subjected to a civil lawsuit including filing and attorney fees. He stated he would send me a settlement contract via email. Which he did. But the amount of the breach was {$280.00}. the fees and fines made the total to be {$780.00} but he could settle this today for {$440.00}. I advised that I need to see the amount of the contract he kept referring to. He stated he did not have that, but he was sure it was correct as his client would not have sent it to him. I have not signed the agreement and I am seeking help. This company has not provided me anything in writing of the contract they state I breached.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Management added unnecessary insurance to my mortgage, which led to a shortage in escrow, resulting in an increased mortgage payment. The company was made aware ( proof was provided ) that my home was from the requirement for flood insurance due to flood zone : AH. Rushmore failed to rectify the matter on a timely basis. They have failed to apply my payment appropriately, and they then started foreclosure proceedings and refused any of my payments as per their letter dated XXXX XXXX, 2015. 

They have ruined my good credit history under the affordable housing programs, for which I am to receive a yearly credit of {$1000.00} for making timely payments. They have also ruined my credit history, and have started foreclosure proceedings. 
My attempts to resolve this issue by contacting the company has failed miserably! Instead, I continue to receive dunning letters and phone calls. 
I 'm asking that Rushmore reinstate my payments under the agreed terms, allow me to make my payments, remove negative reports from my credit history from XXXX 2015 to XXXX 2015, and reinstate my good payment record so that I may receive the yearly incentive of $ XXXX you for you assistance in this matter.