davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from PA HOUSING FINANCE AGE, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the PA HOUSING FINANCE AGE borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from Pa Housing Finance Agency . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan.

whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from PA HOUSING FINANCE AGE because iam on the Deed ... and was the only option we have to sabe our home.

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.
Consumer complaint received 2017-12-20
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. (NC)

I was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I was a XXXX XXXX credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in 2015 a  charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC. (RI)

My ex boyfriend and I had an apartment together. His pay check paid the rent I paid the electric and groceries. He up and left me with the apartment. I gave the landlord a written 30 day notice. The only communication that I received from her was that she used my security deposit to clean the bathroom, wipe cabinets etc. I am now learning about four years later that she has put over {$8000.00} in back rent on my credit. I have spoken to an attorney who told me that she would have had to seek a judgment which she did not because I checked the courts and nothing exists. I was never served anything from the courts either.
Consumer complaint received 2017-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My husband and I recieved a mortgage in XX/XX/XXXX from Bank Of America to purchase our home. Because of the price it required 2 mortgages, One was a balloon mortgage due in 10 years ( XX/XX/XXXX ). We never missed a payment on either note, When the balloon note was due we just assumed they would refinance it for us as we could not pay it off at that time. They would not refinance because the value of our home decreased. I called BOA for advice and was turned over to their debt collection department. I was told to do a loan modification but to keep making the payments on the loan. We sent in 3 payments which were returned to us and was told pay the balance or nothing. I did as the my account manager asked, sending in documents regarding our income etc, For a period of 5 months I dealt with several different personal account managers and underwriters. Nearly every week the account managers would call and say that the underwriters wanted more information about our finances etc. Just when I was told that was probably it, the account manager would call back the next week with more questions from the underwriter. All this went on from XX/XX/XXXX to XX/XX/XXXX. This caused us to be in default on the payments of 5 months! We did finally get the loan modification but at a higher monthly payment and interest rate. I was told in the beginning the monthly payments and interest rate would be lower. 
BOA sold our first mortgage a few years ago to XXXX but BOA retained the balloon mortgage. We asked XXXX ( now XXXX XXXX ) if they would combine the 2 mortgages and at a fixed rate. ( The mortgages we have are not at a fixed rate. ) We were denied because of the missed 5 payments to BOA. We are both in our XXXX and even if we tried to sell our home now it would have to be a " short sale ''. Not something we want to do at this point in our sunset years. 
We feel these missed payments were not our fault. The BOA underwriters did not have their act together in my opinion. There was no reason this loan modification could not have been done in a few weeks not 5 months! I would appreciate it if BOA would issue us forgiveness for the missed payments and report this forgiveness to the credit bureau.
Consumer complaint received 2017-12-20
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. (GA)

On XX/XX/XXXX and XX/XX/XXXX I submitted disputes to Equifax - XXXX XXXX and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!
Consumer complaint received 2017-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OR)

XXXX/XXXX/XXXX I opened my Coinbase account and bought {$1000.00} of XXXX and {$1000.00} of Ethereum with money transferred from my XXXX XXXX XXXX account online. 

The XXXX was n't available to trade for well over 2 weeks, and of course with several attempts to inquire ... no one was available to answer me. 

XXXX XXXX, XXXX I tried to sell my bitcoin at a posted price of {$19000.00} but their system was down. There was nothing I could do but watch my money disappear as the value steadily dropped. I tried several times to log in but the system was down all day. Now it says my account is locked. I ca n't get into my account and access my money and I have tried to call them hundreds of times. I found phone numbers off of the local phone listings, their own customer service number, their main switchboard, as well as dialing random extensions within the company. I sent emails to their support email, contacted them through their customer support twitter, I sent messages to many people at Coinbase through their linked in accounts. Nobody, and I mean NOBODY is responding to address the issue. And I know there are XXXX 's in the same boat. 

They are an exchange built to process transactions but their system is not able to handle it and they are unwilling to address the issues while locking people out of their money and not accountable. They should be fined if not banned. Lawyers, regulators, and politicians should be all over them. They are VERY DANGEROUS and a SIGNIFICANT LIABILITY! If XXXX XXXX randomly didnt let people access their accounts for weeks and didnt answer ANY customers.there would be a national uproar. This is on that scale!! How many people are involved and how much money is involved in bitcoin and through Coinbase??? This is massive and must be addressed immediately! 

And out of all the calls made and people contacted on various platforms, NO ONE answered or returned my calls/messages. 

Please : 1 ) Read comments on @ Coinbase and @ Coinbasesupport on XXXX XXXX ) Read comments on Coinbase and Coinbase Support on XXXX
Consumer complaint received 2017-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (RI)

Diversified Adjustment is reported on my credit report and amount is for {$3200.00}. I sent Diversified Adjustment a debt validation on XXXX XXXX  2017 and Diversified Adjustment has not responded
Consumer complaint received 2017-12-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (TX)

On XXXX I went in to work and was told that a man named XXXX had been repeatedly calling and asking for me. My co workers stated they would tell him that I was off, and he would call back an hour later. He called several times a day over the course of 2 days that I was off. He called around XXXX pm, and I answered the phone. He told me was with XXXX XXXX and he was trying to collect a debt. I asked him to not call me at work, and he stated he was unable to get a hold of me on my personal phone, and he was left with no option. I told him I would call him after I got off work, asked for his phone number. I then hung up. He immediatley called back to my work, and said if I take care of this today the calls would stop. I am steady asking him not to call my work. He continued to say he would call as often as necessary to get this debt taken care of. I literally begged him to leave me alone, I said I can not do this at my job. I agreed to the terms he requested for repayment and said I will call after I get off to set this up. I told him I do not have my bank account information with me. He said that he would not get off the phone until he had set up payment arrangements. He then started to read my credit report to me, and asked what my employer would think about it. At this point I am XXXX, and said you are going to make me XXXX XXXX XXXX. He responded, that 's not necessary, just take care of this and the calls will stop. I did not have my banking information to set this up, and I could not hang up or he would call right back. All of my co workers and boss were looking at me, I just stopped talking. He eventually hung up on me, and did not call back that day. He had me on the phone at my work for over 30 minutes. I can not lose my job, and I am terrified the calls will start again Monday.
Consumer complaint received 2017-12-09
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 — Their investigation did not fix an error on your report
Company: Riverwalk Financial Corporation (LA)

My name is XXXX XXXX. I have never been married and never have legally changed my name. I was born on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I submitted an official dispute with XXXX XXXX for reasons including possible fraud/i.d theft. I also sent the management company a letter asking to provide me with any proof or information that would help delete the incorrect info on my credit profile. XXXX XXXX or company have yet to resolve or provide any info regarding this investigation.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-12-09
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: WELLS FARGO & COMPANY (WI)

I opened this account in XXXX through Wells Fargo. It was for XXXX XXXX XXXX XXXX XXXX only. I made my purchases with this card at XXXX for home improvement. At the beginning of XX/XX/XXXX I paid off my credit card with check # XXXX which cleared the bank on XX/XX/XXXX. Shortly thereafter I received a new credit card from Wells Fargo stating the account would now be a XXXX credit card instead of just a card for home improvement through XXXX. On XX/XX/XXXX, I sent a letter to Wells Fargo advising my account was now paid in full and I wanted this account closed at consumers request immediately. On XX/XX/XXXX, I received a " Notice of Right to Cure Default '' from Wells Fargo.I contacted them immediately to find out what was going on. Wells Fargo never closed this account after I requested that by mail in XX/XX/XXXX Someone was able to gain access to this account and used the XXXX credit card number to make unauthorized purchases from XX/XX/XXXX through XX/XX/XXXX.They maxed out the credit card and changed the account to paperless billing so I would n't see it. Formal dispute letters were sent to Wells Fargo and the three credit reporting agencies. Finally on XX/XX/XXXX Wells Fargo completed their investigation and confirmed the charges were fraudulent and unauthorized. Their letter of XX/XX/XXXX states " ... we have closed your account, and instructed the consumer reporting agencies to remove this account from your credit file. '' They never removed the negative reporting and when I went to apply for a credit card I was declined due to late payments reported by Wells Fargo. I have been trying to get them to remove the late payments on my credit reports since XX/XX/XXXX! I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX! They tell me it will be corrected and yet it still remains on all three of my credit reports. I need someone to please help me in getting this negative reporting removed from my credit reports.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

I was a chase business credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted chase. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though chase owed me money and they were refusing to pay me so I refused to pay them. 
Chase started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with chase but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted chase to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XX/XX/XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.
Consumer complaint received 2016-04-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

This property has been in and out of foreclosure since 2010. Because of this, the owners refuse to pay any of their HOA dues and/or maintain the property - citing that its the banks problem. They still live there and owe over $ XXXX. There are now holes in the side of the home and the property is a complete eyesore.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

I live in XXXX, TX and was impacted by Hurricane Harvey in XXXX XXXX XXXX. 
On XX/XX/XXXX i entered into a Federally Declared Disaster temporary forebearance agreement with my mortgage company ( Ocwen Loan Servicing, LLC ) due to my wife being XXXX due to her place of employment being destroyed in hurricane harvey, i also was out of work for 1 month due to clean up efforts at my home. The terms of the temporary forbearance agreement were as follows : -monthly payment was suspended between XX/XX/XXXX and XX/XX/XXXX -Ocwen would continue to accept payments if i was financially able to do so -Ocwen would not assess late charges to my account during this period -During the term of the agreement Ocwen would suspend all credit reporting -Upon the expiration of the temporary forbearance agreement my payments would increase to reflect any unpaid monthly payments. 

I was unable to make a mortgage payment for XX/XX/XXXX, as per the FDD forebearance agreement ocwen should have suspended all credit reporting. However, in breach of my temporary forbearance agreement with Ocwen, on XX/XX/XXXX Ocwen reported to XXXX  the my account was " Not more than 2 payments past due ''.

I was thankfully able to make my regular mortgage payment of {$1000.00} on XX/XX/XXXX. Ocwen once again ignored the FDD forebearance agreement and on XX/XX/XXXX they reported my account as " 30 days past due ''. Their explanation for this was that they mistakenly applied my XX/XX/XXXX payment to the unpaid amount from XX/XX/XXXX, even though the agreement states that no payment is due until after the expiration of the agreement. 
On XX/XX/XXXX Ocwen once again breached the agreement by reporting to XXXX that my mortgage account was " Paying under a partial or modified paying agreement '', which impacted my credit negatively. 
On XX/XX/XXXX i made a double payment {$2000.00} to bring my mortgage account current. I also requested to be removed from the temporary forebearance agreement. I also voiced my concerns over the erroneous credit reports but as of this date Ocwen has made no effort to fix the problem. 
Ocwen also refuses to release a {$25000.00} insurance claim check from my flood claim so that i can pay for repairs on my home.