davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (MI)

Loss Mitigation on a recorded line on Mon XX/XX/XXXX made a payment agreement with me and 8 hours later changed the terms. I am almost in foreclosure. 
I am filing this complaint because BSI is going to take my home an put me in foreclosure with the way my case is being handled I am almost 120 days delinquent. 

Through all of this, The Loss Mititgator handling my case initials XXXX  on a recorded line ( XX/XX/XXXX ) made an agreement with me for payment to get caught up on my loan. The next thing I know it was changed. I am sure you can listen to the recording whomever handles this case at BSI. In addition, I sent all of the documentation and proof showing loss contractual XXXX XXXX job. 

I have been ill since XX/XX/XXXX and on leave without pay now from my Full Time Employer. I have only been working XXXX  XXXX. I was promised a course that was cancelled due to low enrollment in XX/XX/XXXX. This would have given me an opportunity to catch up on my mortgage. At the end of XXXX early XXXX I was struck with XXXX. I was told to stay home and tough it out from my Physician on the phone. I have XXXX  issues and still recovering. My husband is in the same condition. 

I sent everything asked of me by BSI documenting my loss of income. On the recorded line it was specifically mentioned by XXXX  the terms, but when I asked her to document the agreement she did not. Later that night I got a lengthily 2 page loss mitigation document. This was not the agreement. I am TOO SICK to even fill this out and can barely XXXX. 

This institution is notorious for taking peoples houses. I am asking for the original agreement I made with this mitigator to be documented and acknowledged and work with me as she stated on the phone. 

In reading complaints about BSI on consumer affairs website you will see the same kinds of complaints about them. Something needs to be done about their unfair and unjust practices. 

In addition in reviewing all of my bills, I see that additional fees have been added with no explanation. Nor have I received credit for my payment I made in XXXX on the bill. 

PLEASE LISTEN TO THE RECORDING ....
Consumer complaint received 2017-07-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On XXXX the XXXX I withdrew exactly XXXX XXXX to my personal account from Coinbase via a XXXX  transfer, since then coinbase has not responded to any of my support tickets and has now been over a month. The lack of communication and lack of support makes me to believe this company is withholding my XXXX for their own benefit and completely lacks any customer care or support. I have contacted my bank ( XXXX ) and they have responded that the transfer was actually returned to Coinbase themselves. So therefore they need to credit my account with exactly XXXX XXXX. I 'm frustrated and angry with this lack of communication as it 's a lot of money, I 'm hoping you can help resolve my issue.
Consumer complaint received 2021-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

After a having a look at my recent credit report I noticed that XX/XX/XXXX, EQUIFAX &XX/XX/XXXX are reporting I was late paying my XXXX credit card ( XXXX - Card Service ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card ( XXXX  ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities
Consumer complaint received 2021-01-12
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: CCS Financial Services, Inc. (NY)

On XXXX XXXX, 2020, CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WA)

On XX/XX/2023, through USPS Registered Mail I sent Discover card a Payment. of {$18000.00} tracking number XXXX. 
On XX/XX/2023 Discover Card received my payment. via USPS registered mail tracking number XXXX. 
on XX/XX/2023 they posted my payment to the account and closed my account due to a reported fraud issue I had in XXXX. 
On XX/XX/XXXX I called after noticing my payment had been posted to my account and I had an available balance of XXXX but I was unable to use my card. 
Discover card then informed me that they closed my account due to reported fraud in XXXX. I was not aware that Discover Card closed my account. I asked them due to the current payment I made in the amount of {$18000.00}, I would like this addressed and either open my account back up and or send me my payment back to me via USPS delivery of my original payment method I had sent to them. Or they could send the payment back to my bank account currently on file. 
They opened a new account and informed me it would take 7-10 days to transfer the payment to my account. 
The {$18000.00} was never made available on my new account nor was it returned to me like I requested VIA-check sent through USPS. I have requested this multiple times for Discover Card to either return the physical payment that I sent to them or issue me a check for that amount and send it to my address on file. 
I still have not received my payment back nor have they credited my account. They continue to call me to try to receive more payments from me, even though I have explained this situation multiple times. 
DISCOVER CARDS Failure to honor, process and credit the intended account has caused loss injury and harm. An offer Of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. Itis their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

The Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ) ,3-104, 8-102 ( 9 ) ,9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ) .15 USC
Consumer complaint received 2021-01-12
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: JPMORGAN CHASE & CO. (OR)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, BK OF AMER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX XXXX am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a XXXX of XXXX XXXX and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the XXXX  of my iXXXX to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing inaccuracies on my credit report for almost 4 months and the credit bureau 's never sent me a credit report. All of my information is being updated and I am sending the documents that are asked and they refuse to investigate the following accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX These are all collection agencies that Ive been asking XXXX  , Transunion and XXXX  to investigate and to make sure they have signed contracts with these companies where I singed and each dispute has been ignored.
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-12
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. (SC)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

To whom it may concern : I am writing this letter of complaint against Helvey and Associates, Inc for falsely claiming a debt is mine and they took extreme action of reporting the balance to all 3 major credit boroughs while the dispute was still active. Helvey and Associates have never provided me an itemized bill of why I owe this supposed debt and they are unable to provide dates, times and itemization for the amount they say I owed. I did start to make payments during the dispute to avoid a negative mark on my credit but they breached their agreement and falsely reported the debt to the 3 major credit boroughs. My initial plan was to avoid being reported on my credit report and I would dispute the charge later. Helvey and Associates have no documentation or proof that the debt is valid and I know that my insurance covers 100 % of my medical treatment.
Consumer complaint received 2020-04-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

My XX/XX/XXXX Statement shows a refund of {$4600.00} from the county taxing authority on XX/XX/XXXX. On XX/XX/XXXX, after not receiving the refund, I called my Lender, Amerihome, to inquire about the refund. I was told during that call that it had been mailed on XX/XX/XXXX, and that I should wait 30 days, before calling back. I called back on XX/XX/XXXX, and was then told that the check didn't actually go out until XX/XX/XXXX, and that I had to wait 30 days from that date. Well, I called today, XX/XX/XXXX, only to be on hold for 20+ minutes. In these lean times that everyone is having to deal with, why am I having to chase down Amerihome to get my refund? Now that I have inquired about the refund, why aren't they being aggressive in keeping me informed? What are they doing with my money? In two weeks, it will be at least two months since they received the refund from the taxing authority.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

To whom it may concern, XX/XX/2020 I was on vacation in XXXX, and I looked at my accounts online with Chase bank. I noticed on my credit card had a purchase that I NEVER made that was for {$2100.00}. XXXX so I called Chase right away. 

Customer service canceled my card and sent me a new card once I got back. So XX/XX/2020 they put the charge {$2000.00} back on my account blaming me providing me with no explanation. 

Im not able to communicate with anyone because customer service keeps saying fraud department is not available and the number they gave me says no one is available to talk. 

I filed a claim with XXXX  and FBI so I can get this fixed. The police recommended I filed a claim with FBI. 

The purchase was made from a place called XXXX for {$2100.00} on XX/XX/2020 on my credit card a Chase Bank. The address is XXXX XXXX XXXX XXXX Delaware XXXX XXXX This is number they gave me to call but no one ever picks up. XXXX. I have emailed the fraud department for chase five times and they send me letter stating they will close the fraud case and blaming me. 

Please help me. I will fight this because I am a victims of fraud and my bank Chase will not help me! They have not given me any reasons, no affidavit, no reasons how they investigated, no comment except a letter blaming me for a charge I did not make. Thank you please help
Consumer complaint received 2021-01-12
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. (FL)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MA)

I am representing my client who has a mortgage with PHH Mortgage Services. In XX/XX/2019 her loan transferred servicing from XXXX to PHH Mortgage Services. As of today, XX/XX/2019, she has never received a mortgage statement from PHH Mortgage Services. She has also been denied access to her account on line at XXXX. She and I have continuously called XXXX, to spend an average of 1 hour on hold each time, and we are only able to speak with the collection department. When we request to speak with someone in Customer Service, we are conveniently hung up on. 

Our largest concern is on XX/XX/2019, XXXX mailed the borrower a letter stating that " at this time, you have a suspense balance in the amount of {$580.00}. The total amount due is {$1700.00} ; therefore, an additional {$1100.00} is required to complete your payment. '' On XX/XX/2019 the borrower paid {$900.00} towards the arrears. Now XXXX Mortgage is stating that the suspense account only has a balance of {$900.00}, where as the balance should be {$1400.00}, with a balance due for XXXX in the amount of {$580.00}. PHH 's collection dept. states that she needs to pay {$880.00}. The true balance due for XXXX, and to bring the account current is {$240.00}, not the {$880.00} as they state. 

The borrower needs to make her scheduled XX/XX/2019 payment to XXXX but she can't until she gets answers. The borrower and I have yet to be able to get assistance on the phone.
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (CA)

I am an existing client with this company. I put in a request for additional funds. After 2.5 weeks of continuously asking me for one new item after another, they declined my loan saying, " Unable to verify income ''. This is FALSE. I uploaded my XXXX & XXXX 1040 's, I also uploaded my XXXX 1099 from my employer ( Have not filed XXXX taxes ). I was approved on my previous loan with Sofi using the same 1099 's for years XXXX & XXXX from my same employer. 

Sofi was also in possession of my XXXX 1099 for well over a week before making their decision. They only made their decision after I uploaded a Profit & Loss showing a XXXX expense, for the entire year! My Debt to Income Ratios are below 25 %, My Fico is a XXXX, and my income was almost 300k the last 3 years running. My unsecured debt is {$8300.00} and I have been with my current employer for 4 years. 

I have been around lending and for over 26 years. Sofi has denied the loan saying they were unable to verify income when all income was provided. They have been misleading and vague since I started the process with them.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MA)

Chase JP Morgan Bank opened a credit line/account without my permission or knowledge. The new account appeared on my online banking services, which I first noticed on XX/XX/23. Today, XX/XX/23, a credit card along with associated paperwork arrived at my mailing address. 

At no point did I sign up for, gave permission to open, contemplated signing up for, let alone knew about this card/account option existed. 

Chase 's XXXX hotline gave no good explanation as to why this was opened. They gave no dates the account was applied for, nor by what means it was applied for ( in person or online ). 

They had no direct number which I could call should I have further issues with this specific incident.