davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

XXXX XXXX XXXX is trying to sabotage my mortgage by refusing 2 payments that I made through XXXX XXXX in the amount of {$2700.00} on XX/XX/XXXX. 

I would only be one payment behind and one payment currently due but if they are allowed to refuse my payments then it will put my home into foreclosure. 

I have spoke to them in the past and they have admitted that they have the right to refuse my payments. They are therefore deliberately trying to force me into foreclosure. 

I spoke with XXXX the supervisor at XXXX XXXX and she stated on XX/XX/XXXX that it was returned because it wasn't enough money. 

I only owe for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX On the back of my statement I boxed in the amount that I am past due. 

With the payment amount of {$2700.00} that I made I would only be late for XX/XX/XXXXand XX/XX/XXXX which I was paying an additional payment in the next week. 

I have attached proof of letter from XXXX XXXX of rejection and a scanned copy of my recent XX/XX/XXXX mortgage statement for XX/XX/XXXX. 

Let it be known that I stated in my previous complaint recently about Carrington MS that they were going to do something like this to push my family into the streets and foreclose on our home.
Consumer complaint received 2024-11-07
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 2018-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (NC)

sent validation notices to OPTIMUM OUTCOMES INC,  they never responded. Also they are listed on my credit report as the original creditor for a medical bills ; plus they have the wrong address listed on the accounts for contact information an number.So when I found the right information I sent notices and telephoned the agency. Spoke with a super visor who said they were send the copies of the original contact, never happened.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My son has tried to cancel his TransUnion membership he accidentally signed up for for 4 months now and they will not stop taking XXXX out of his account. What can we do
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I've sent a wire transfer to their bank ( XXXX XXXX XXXX ) in NY coming from XXXX NY last XX/XX/2017 to fund my Coinbase account. I followed all the instruction stated in Coinbase website how to deposit through wire transfer. My bank has confirmed that XXXX XXXX XXXX has XXXX the {$5000.00} wire transfer.. I opened a file with case ID # XXXX dated XX/XX/2017. I tried to contact their customer support numerous time on phone, email, XXXX, XXXX & internal messaging, but no response whatsoever. It's been over 2 months now & I missed so many buying opportunities in cryptocurrency trading. Please help me get my money back to my XXXX account or deposit to my XXXX account. 

Thank you very much. 

XXXX XXXX
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MO)

Money wire deposit not received. 

I sent a wire deposit to Coinbase in the amount of {$26000.00} on XX/XX/XXXX, It is now XX/XX/XXXX. They state on their website that money wires typically take 1-2 days. This fiasco cost me {$94000.00} and counting on just one investment. I am utterly disgusted with them and they make me wan na XXXX every single day. If they cant handle to take on extra business then they should not allow new customers until they get properly staffed. I absolutely hate incompetence. It wasnt till after I read all the other complaints on XXXX about customers with the same issue before I realized I had a real, and even more serious problem. Some customers havent received their money going on two months! Im hearing rumors that Coinbase is a Ponzi scheme, that they are borrowing our money as long as they can interest free, etc. Im going with fraud/scam though because I havent received it as promised. 

People involved are XXXX XXXX and Coinbase. XXXX XXXX confirmed that Coinbase received the wire, but when I call Coinbase they tell me they have no record of it. I also have no record of any pending transaction on coinbase. So either XXXX XXXX   blatantly lied, Coinbase has it but dont want to release it to me, or XXXX has it. Thats for you guys to figure out. In this case I really hope XXXX has it because I heard if you give, you shall receive 10 fold. That would give me my losses back and some. 

My next step is to file a complaint with the BBB and FBI. If you suggest any other avenues of approach please let me know.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2024-11-07
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. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 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 XXXX XXXX
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (WI)

I received an offer from American Express XXXX XXXX XXXX, 0 % introductory APR through billing period that ends in XX/XX/XXXX on balance transfers. Since opening the card in XX/XX/XXXX I have been charged interest on this transfer amount every month. Over the last four billing cycles I have been charge {$210.00} interest on a card that offered 0 % APR until XX/XX/XXXX. I have contacted American Express on five separate occasions, each time they tell me they are aware of the problem and it will be corrected. It has not been corrected, I am still being charged interest and no credit for the interest has been added to my account. I think they are defrauding me.
Consumer complaint received 2018-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc. (GA)

This company sends a statement with billing info included once a month on the XXXX via email. That is their only correspondence with the consumer. My bill is due the XXXX of every month, and I did not pay until the XXXX because I was not notified of my payment being late. When I spoke to a customer representative she told me that they only communicate via the statement sent every month, but they do not communicate via phone or email after the due date has passed. The only time they communicate in those methods is when you are approaching the 30 days past due time frame to be reported to a credit bureau. This lapse in communication does not keep consumers reminded of their payments. Not to mention the statement she is referring to that is sent monthly on the XXXX is sent after the bill is paid the XXXX. So how can someone be notified if a payment is late by statement via email if the statement is sent out after the due date of the bill?
Consumer complaint received 2018-03-30
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. (TN)

I had a credit card with the worst company, XXXX XXXX. I had trouble making the payments but ended up paying this credit card off. Well this company continues to state on my credit report - charged off as bad debt. Not even stating that it was paid off. I have tried to go through the credit bureaus to no avail. I know I paid this off around XX/XX/2015.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

I called MOHELA at approximately XXXX XXXX  on XX/XX/XXXX. The automated system prompted me to input my SSN and last four digits of my phone number, which, despite having an account, it did not recognize. I was placed on hold for approximately XXXX hour and XXXX minutes before being connected with XXXX at approx. XXXX XXXX. I find the length of the hold as well as the fact there were no time estimates on how long the hold would be to be unacceptable. I was about to hang up a few minutes later and likely would have if I didn't connect to XXXX when I did, which would have wasted a significant amount of my time. I asked XXXX questions about three different topics, two of which did not make complete sense to me. First, I have noticed that payments from my recent PSLF application used for employment certification were listed as " XXXX - XXXX XXXX. '' I asked about this because I have been making payments since XX/XX/XXXX and wanted to make sure this was not a reference to the previous XXXX emergency special waiver. XXXX told me it is due to the XXXX waiver and the information is correct. This is strange to me and I would like additional clarification. Second, I followed up with XXXX about the date of my required IDR renewal, which was the topic of a prior CFPB complaint ( CFPB complaint XXXX, which is also attached for reference ). In that complaint, I noted that the MOHELA web portal and a physically mailed letter from MOHELA both have different deadlines for XXXX certification. As a result of the differing information, I asked XXXX about this. She gave me a third date for IDR re-certification, a soft deadline of XX/XX/XXXX. I find this extremely concerning because 1 ) this date is earlier than the renewal dates on both the portal and the prior letter, 2 ) XXXX stated that this is a " soft '' deadline to allow me to meet the real deadline ( which she was unable to provide ) but which was based on a processing timeline of 80 days, and 3 ) these dates keep moving forward over time, for which I believe there is no reasonable explanation. I am concerned because if either of the other two deadlines are my hard deadline, then based on an 80 day processing window, submitting my IDR renewal on or near this new soft deadline would cause me to miss the recertification deadline. I would like accurate information on when I am required to recertify my XXXX payments so that I can remain at a reduced SAVE payment rate. I do not want to risk missing a deadline, but with MOHELA staff unable to provide clear information, I am not sure when to actually recertify my XXXX. XXXX also helped on a third topic, which was me asking for an in-school deferment waiver form. She told me it would take a few days to receive one - we will see if that happens and I will file a new complaint if I do not.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NE)

I have attempted multiple times to reach out to the company Coinbase. the first attempt on XX/XX/XXXX,  then again on XX/XX/XXXX, and finally again on XX/XX/XXXX regarding the death of my father and his bitcoin account. I explained to them I don't know the passwords to the account only email associated with account. I have been trying customer support and no one has answers on the phone and keep saying a specialist will get to me yet never does.
Consumer complaint received 2018-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (PA)

I am a single mother of XXXX currently receiving unemployment because I got fired from my job. The good news is that I have received employment offers however these offers get rescinded because of a charge offs on my credit report.

I called the credit card agencies to work with me and remove the charge off as well as the credit reporting agency so I can get a job and pay these cards however they will not remove the charge off which in turn does NOT allow me to get a job.

The reason for these 3 charge offs was because my husband at the time lost his job and we were unable to pay.

I am a well educated professional with over 20 years of experience yet I can't work because a credit card company says so? What law allows that? A credit card company that charges 26 % in interest. What law allows these companies to dictate policy on my life?

I am a law abiding citizen who pays taxes and is just trying to get a job to support my family.

PLEASE PLEASE PLEASE help me. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have addresses and telephone # s and names that do not belong to me reporting on my credit report I had fraud and identity theft I will be sending a copy of my identification of where I have resided for the past 15 years I will like them to be deleted from my credit report please
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I was XXXX in the Arizona Department of XXXX I was not XXXX into XX/XX/XXXX, 4 years later. When I return home I want to my Wells Fargo bank to make sure all my money was still intact and deposit in the bank. I found out that my account had been depleted by fraud using a pin number ATM access. I filed a complaint to have a resolution specialist look at my account and see if I can get the money refunded to me due to identity theft and fraud. I was denied the first time due to not having proof of XXXX. I filed a second time to reopen the case and was granited {$800.00} out of {$3700.00}. Wells Fargo is telling me that they withheld {$2700.00} of my money due to regulations E. Ive seen several documents and several videos and it clearly states that the banking laws say you can not use regulation E even if its after the 180 days of expectation due to special circumstances! When I found out my accounts were depleted four years later I had no way of knowing about it. So could you please help me get my {$2700.00} returned to my account?
Consumer complaint received 2018-02-14
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: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX is incorrectly reporting an account on Chexsystems. I have reached out to the company for resolution and provided a police report number for identity theft. The XXXX PD Criminal Report case number is XXXX. The account needs to removed from my Chexsystems report immediately. It has been proven to be fraud and the police are investigating. My identity was stolen, including GA ID and SSN. Both had to be replaced and both requests can be proven by the Georgia State Department of Driver Services as well as the Federal Social Security Administration.
Consumer complaint received 2018-10-30
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)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX****, XXXX XXXX   XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Consumer complaint received 2018-02-14
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. (TX)

There is an account that is older than 7 years and should NOT be listed as this was when I was married and have been divorced more than 7 years, requesting this be removed ASAP XXXX XXXX XXXX past the statute and stating XXXX XX/XX/2012 is 110 % NOT accurate data
Consumer complaint received 2017-06-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MD)

My father XXXX XXXX XXXX entered into a mortgage with quicken loans in XX/XX/XXXX. In XX/XX/XXXX my father was admitted into XXXX care at home as the doctors said that he was terminal and all they could do is keep him comfortable. My father was put on XXXX, XXXX and other medicine to keep him comfortable. I was my fathers power of attorney. This loan happened while I was at work. My father was not supposed to sign his name while under the influence of XXXX and while under XXXX. He was XXXX and XXXX years old. His social was XXXX. His loan # with Quicken Loans was XXXX. The comps that was used for his home was not in our neighborhood and they were not comparable to his home. I had the house appraised in XX/XX/XXXX and the house appraised for {$230000.00}. I contacted quicken loans when my father passed away and told them he had passed and they told me that I could make the payments which were {$2300.00} per month, remodify the loan and get a lower payment, mind you keeping the {$300000.00}. I could n't do either of those, I ca n't afford {$300000.00} and the house was not worth this and I would n't have gotten a mortgage since the house was n't worth that amount. I decided to do a short sale on my fathers home. I was living with my father, my mother passed away, he was n't well and someone needed to help him with every day stuff. I tried to keep my dads house and quicken loans would not work with me. They had the house appraised inXX/XX/XXXXagain using comps that should not have been used. They used comps that had been totally renovated, my fathers house needed work. Someone purchased my fathers home for {$250000.00} and we settled XX/XX/XXXX. This was the house that I grew up in and should have been my home. When my father passed away, I heard of 3 other people that this happened to with Quicken Loans. I thought that people were protected from predotory loans. So sad that this happened to me and my father and all Qicken Loans did was call me and harass me about my fathers house. They would not let me buy his house on the short sale nor was anyone in my family aloud to purchase the house. Very sad how they operate. I tell anyone thinking to go with them what happened with my father and to not go with them.
Consumer complaint received 2018-10-30
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. (GA)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP