davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (CA)

My son went to the XXXX XXXX at XXXX XXXX and incurred charges with a copay of 15 % of the reimbursement. As is the practoce for some reason in XXXX XXXX XXXX XXXX California hospitals and medical providers attempt to collect more than the coinsurance amount. In this case, the charges were {$10000.00} but the allowed in network charges produced an overall copay of less than {$700.00} divided between the hospital and the XXXX. Both of these were paid. Since then the XXXX  has been trying to collect an additional {$30.00} and the hospital an additional {$250.00} on top of what my insurance paid and the {$700.00} I already paid.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I deposited this pay checks from my job in XXXX, everything was good, I noticed the amount available for XXXX checks {$1200.00} and {$1800.00}, but suddenly that amount disappeared from my balance amount, I never get it and in the next days I received a notification that my account would be closed and the checks would be sent to the company from my job with the amount on each one but my boss never got the money. 
So my question is where was the money. 


Check deposit for {$1200.00} Check deposit for {$1800.00} Check deposit for {$1400.00} Closing account notification on XX/XX/year>
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tsarouhis Law Group, LLC (PA)

I have been trying to fix my credit and settle old debts. When I contacted the company that previously had this account, they advised me that they no longer had the account and that I had to now contact Tsarouhis Law Group. I got in contact with them to try to settle the debt which is old and figured they'd offer me a decent, manageable amount. The debt is originally from XXXX on XX/XX/XXXX. The last payment was made on XX/XX/XXXX. The amount owed is {$11.00}, XXXX. They offered me a settlement of about 80 % of the balance due which would be more than {$8000.00}. I told them that I do not have money like that. Then they offered monthly payments for the entire amount due. They said they would email me papers outlining the settlement offer. What they sent was some legal paperwork for me to sign admitting that I want a judgement against myself to be entered. I didn't receive any legal paperwork before so why would they send me this and why would I agree to this. In the past, when I have made a settlement on old debt it was for a much, much lower amount and I just received a letter from the company stating that the matter was considered settled. I called to ask about all the legal paperwork and they said there's a judgement that will be there against me. Then today they sent an email stating that if I did not make an initial payment that they are proceeding with legal action and the judgement. I don't know anything about a legal case or a judgement.
Consumer complaint received 2017-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I filed with Bank of America Appeals Intake, fax XXXX Re : request for reevaluation of loan # XXXX on XXXX/XXXX/17 ( despite auto update of fax date on copy of letter ).
This was consistent with the request on p. 3 of the attached letter dated XXXX/XXXX/17 ( the denial letter ). I maintain that my fax of the letter was consistent with the BOA request that I send my information by fax and my desire not to communicate with BOA over the phone since there have been numerous inconsistencies between what I have discussed and what is actually done.
Now BOA is saying they had no requirement to respond since I did n't make the phone call as specified also on p. 3. I believe this continuing the practise of BOA to despite the ruling of Case Number : XXXX Filed : XXXX/XXXX3/2017 in the US Bankruptcy court which held in Doc # XXXXthat loan request were " routinely either lost or declared incomplete or stale or in need of resubmission or denied without comprehensible explanation. ''
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Had an Experian report mailed to me and noticed that my oldest credit card is completely missing from my report. Its a 4 year old   XXXX   XXXX    account that I still have opened and is in great standing. This account only has three 30 day late payments in  XXXX ,  XXXX  and  XXXX . No major delinquencies at all. I called Experian ( XX/XX/XXXX ) to notify that it was missing and the rude representative stated it was a delinquent account so they removed it. The   XXXX   XXXX   account still reports to   XXXX   and  XXXX  perfectly. If they just remove delinquent accounts at their leisure, then why do n't they remove my student loans??? Everybody knows that   XXXX   XXXX   reports to all  XXXX  bureaus! To make matters worse, the mentioned account appears on my fiancees Experian as we share the same account. We also share another ( younger )   XXXX   XXXX   account and that account shows on both of our reports but the oldest account does n't show on mine. Apparently the name of the game is to keep the bad accounts and mysteriously delete the good ones? This is beyond ABSURD!!!!!
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (NC)

I XXXX XXXX XXXX Loan # XXXX address XXXX XXXX XXXX XXXX XXXX nc XXXX applied for an loan modification with selene finance on XX/XX/year> for the XXXX time bc I was advice the first one submitted on XX/XX/year> was ineligible with no explanation by the end of XX/XX/year>. I was told to reapply which I did so and they mixed all my new documents in with the new application for the loan modification I was applying for they stated bc you have 10 days to appeal.this had nothing to do with me if I followed what their customer service rep told me. I emailed all doc bc of thr fact I couldn't submit on loan but called each day and was told they received it. I have all email acknowledge in my gmail of what was sent and received. Therefore had to submit again several times until they finally received my application on XXXX XXXX XXXX.i have been getting the run around each time I submit documents it takes several days until I am told what else is needed. While doing this process my account is in active foreclosure and I have been receiving notices from the lawyer and when I called do to not getting the response I am needing from my servicer in a responsible time frame. My reinstatement notice expired on XX/XX/year> as well as the doc to submit all documents.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion   XXXX   XXXX   XXXX    XXXX , CA   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX , TX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX    XXXX   XXXX   SOC SEC #   XXXX   DOB XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XX/XX/XXXX  Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL   XXXX   Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
  XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern  XXXX    XXXX   XXXX   XXXX    XXXX , CA  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX , TX   XXXX   Equifax   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XXXX ,   XXXX   SOC SEC   #   XXXX   DOB    XX/XX/XXXX      XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE   XX/XX/XXXX  H ave enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
 XXXX ,   XXXX    SOC SEC  #   XXXX   DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX
Consumer complaint received 2017-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (WY)

To whom it may concern, We are contacting you, with the hopes that you will assist us in resolving a very unfortunate matter that has happened between us and our lender, Midland Mortgage.
As a result of a medical hardship and defaulting on our mortgage, back in   XXXX   of 2017, we applied for mortgage assistance with Midland on  XX/XX/XXXX . We heard NOTHING from them, until  XX/XX/XXXX  when I received a denial letter.. with no explanation.
When I called Midland, I was told that our home had been sold on  XX/XX/XXXX .
On  XX/XX/XXXX I received a letter stating I still had time to save my house.
I received NO Notification of Sale, I also never received Notice of Publication and when I looked on my own, I only found 2 publications. the requirement is publication, being 4 weeks in Wyoming.
When we spoke to Midland on  XX/XX/XXXX , we told them that the sale of the house must have been done illegally - and they hung up on us. We called back on  XX/XX/XXXX  and when we brought up the improperness of the sale, Midland hung up on us a SECOND TIME.
To complicate matters even more - this sale was conducted in   XXXX   XXXX   County. We live in   XXXX   XXXX  . I 'm not an attorney, but I do believe that makes the sale null and void. They are currently being represented by  XXXX  and   XXXX   and we are getting little to no cooperation from them either - they have hung up on us, when we called on  XX/XX/XXXX  for information.
This complaint is being filed, not only with the Consumer Financial Protection Bureau, but with the Consumer Complaints division of the Wyoming Attorney General 's office.
Please contact us immediately, so that we may resolve this matter and go back to the table in good faith negotiation with Midland Mortgage.
Sincerely,   XXXX   XXXX     XXXX     XXXX
Consumer complaint received 2017-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NM)

I applied for a modification, my mortgage balance was aroun d 130K at the  time, by the time the mortgage was approved, the arreerages were around another  20K,  I did the 3 trial payments which were around 100 dollars more than the payment of my house before the modification. They denied it after the third payment because they said I had put my daughter on the title and I did that to had that house in her name when I died, and they said that she had a lien on her house at a different address and that because she had a lien on a different address for  XXXX  dollars that they can not approve the modification on my house and that they are proceeding to foreclosure when I called them today, they never sent me a letter or nothing since the month of  XXXX .
I called today and they faxed me something. Iam attaching it. I asked them to give me time to pay this and to modify my house and they told me that no they are proceding to foreclosure, how can that be????? They need to give me time to pay the debt of my daughter who is NOT no longer on title on my house, she was in 2016 and at the request of carrington, I took her off my house title she owns her own house in another place and the lien she owes to the department of workforce solutions is for unemployment pay back which is also a mistake she has to clear out as she does not owe that. she is working on clearing this out. The company should send me a modification package tome right away to honor my request for modification since they are waiting to   XX/XX/XXXX   so that they do not have to modify us according to thehope or harp or whatever the situation is for the tarp funds the banks received and force me out of the house I worked for. I am a   XXXX   year old  XXXX , and I worked for my house and I bought it for a lot more than it is worth and paid a lot of years for it. I also bought a substandard house built with bad materials and I paid thousands of dollars to make it livable.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Ocassionally I want to remove a security freeze on my equifax account but everytime I have tried to log into my equifax account I am not able to. I can not reset my password, no message ever reaches my inbox, and therefore I have to call. I have called 3 times this year already, and twice today, spending more than one hour. When I could not answer a question about a car loan I paid off years ago, I was told that my identity could not be verified and that so sorry, no one can help me. 
Security breaches happen all the time, meaning security is not that good, yet I am kept from accessing my own account.
Consumer complaint received 2017-07-18
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. (TX)

My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX ,  XXXX , nor Equifax has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX ,  XXXX  and Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : CAPITAL ONE : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late and was not paid in full. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (AZ)

I went into wells fargo where I currently have an account and cashed my checks and they provided me XXXX fake XXXX dollar bills I returned to the bank to advise the manager and have them pull the camera and the manager offered me no help n told me to call the secret service, i phoned customer advocate for wells fargo they said I needed to handle it in the branch so now I am out XXXX
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (IL)

My account was initially set up as a central billing account which i did not want. I requested to have this removed which they did. They did not inform me that in removing the central billing account, all the rewards would be lost. In addition, I had no way of using the rewards since I earned majority of them during the account switch.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

In XXXX, I discovered several inaccuracies on my credit reports provided by XXXX and XXXX, specifically concerning late payment entries inaccurately reported by XXXX. Despite multiple disputes filed with both credit reporting agencies and direct correspondence with XXXX, the issues have not been rectified. 

Initial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late payment entries on my XXXX credit report and submitted a dispute. XXXX  had previously confirmed these entries were reported in error. 
I sent further communications to XXXX on XX/XX/year>, emphasizing the urgency of correcting similar errors on my XXXX credit report. 
Copies of my identification, a complete payment history from XXXX, and utility bills were provided as part of the dispute documentation. 
XXXX  's Response : XXXX  acknowledged the errors in reporting late payments but has not provided adequate documentation to the credit bureaus to correct these errors, as confirmed by direct communications. 
Lack of Resolution : Despite providing all necessary documents and following up, as of today, there has been no adjustment or removal of the inaccurate late payment entries by either XXXX or XXXX. 
Repeated disputes and the provided evidence have been seemingly ignored, leaving the incorrect data on my credit reports, continuing to impact my credit score adversely.

Requested Resolution : I seek the CFPBs intervention to ensure that XXXX  and the concerned credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) by investigating and rectifying the inaccuracies reported in my credit files promptly. 
I request the removal of all inaccurate late payment entries from my credit reports and a written confirmation from XXXX  and the credit bureaus stating that the corrections have been made.