davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

XXXX, XXXX XXXX XXXX XXXX contacted me to refinance my home to get a lower interest rate and to lower my monthly mortgage payment. With the recent loss of my husband and Covid which both caused a decrease in my income I thought this would be great for me. I did everything on my part with XXXX XXXX XXXX and Carrington Mortgage ( my original lender for 20yrs ) to get my home refinanced. XXXX XXXX XXXX not only called Carrington Mortgage ( which is noted on my account, XXXX XXXX # XXXX with Carrington Mortgage and also XXXX XXXX # XXXX stated ) and made themselves power of attorney without my consent. They also created an online account for not only myself, but for my deceased husband and changed the mailing and email address on my account so I would not receive any information notifying me that my mortgage was late and not being paid for months! The first month I realized I wasn't receiving statements from Carrington is because I had thought XXXX had took over the loan from Carrington that's why they were requesting monthly payments from me. I did not hear from Carrington for 9 months until my home was in foreclosure with an auction date! I've told Carrington that I've been paying the third party XXXX XXXX XXXX the company that they were aware of me paying that was suppose to refinance my mortgage, I asked what I could do to stop my home for being up for sale. They told me I need to either pay {$25000.00} or fill out a mortgage assistance form. I filled out the form with all the documentation I needed before the deadline and I got denied due to missing one bank statement for XXXX- XXXX for the account that my social security is deposited. The only reason that one document was missing was because my bank had not yet had those statements ready. I did not receive it in the mail yet and when I went to the bank they were not ready, so that was out of my control which I told them, so I had to send it in like that before the deadline. I also spoke with a representative when I finally was able to get those bank statements and I was told after I sent it over that my account was closed and my house was sold. The only thing that saved my home from that auction was that I filed for bankruptcy that morning before the sale was made. Since then Carrington and XXXX XXXX have both been giving me the run around! I've had my granddaughter help me fill out another Mortgage Assistant Form with all the documentation needed by fax and email and they are still saying they did not receive it and now I have another sale date for XX/XX/XXXX. This is not right at all! I can't believe I've been scammed from not only XXXX XXXX but Also from Carrington Mortgage after Ive been loyal and paying them on time for the past 20 years!! It is very unlike me to not pay my mortgage XXXX amnestying always on top of my bills so why after 20 years wouldn't Carrington contact me directly instead of sending my information to the third party that they knew were not paying them.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TN)

I am not liable for this debt with XXXX XXXXXXXX XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

My name is XXXX XXXX and I am a former customer of PenFed Mortgage. In XXXX, I purchased a home using PenFed as my mortgage company. We closed on the house in XX/XX/XXXX. Fast forward to XXXX, I had the opportunity to refinance my house at a lower interest rate while shaving off 4 years off the note. I began the refinance process in XX/XX/XXXX. My monthly mortgage payment was always paid via auto-deduction. I paid my mortgage in XX/XX/XXXX like normal. However, for XX/XX/XXXX, I stopped auto-pay because the house would be refinanced. I informed PenFed of the refinance process when I stopped the auto-pay. My XX/XX/XXXX mortgage was officially due on XX/XX/XXXX. The house was paid off via refinance on XX/XX/XXXX. I provided PenFed with proof ( documents ) to show that they received the entire balance pay off yet they are reporting to the credit bureaus that I was over 30 days late. Again, my payment was due XX/XX/XXXX, and the entire house note was paid off on XX/XX/XXXX. They are falsely reporting that I was " 30 days '' late when that is not possible. I made contact via email with various executives at PenFed and they have ignored my request to remove this from my credit reports. In fact, they have not bothered to respond to my email at all. Persons contacted include XXXX XXXX, Executive Vice President and President of Mortgage Banking, as well as XXXX XXXX, Senior Vice President of Mortgage Servicing and XXXX XXXX, Chairman of the Board for PenFed. I filed a complaint with XXXX  Credit Reporting and they advised that PenFed confirmed that in XX/XX/XXXX, I was 30 days late. Thus, the credit reporting agency is also refusing to correct this information even though I have proof that the entire mortgage was paid off in XX/XX/XXXX. Address of the property was XXXX XXXX XXXX, XXXX, TX XXXX.
Consumer complaint received 2021-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (OH)

This is my second dispute it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Incident XX/XX/2021, $ XXXX+ lost,, No account access to Coinbase. Basically I was part of a sim card switch fraud where my phone was taken over for a period of time. During that time they gained access to my Coinbase account by using the XXXX  authentication since Coinbase uses your email address as the username and that is easily obtained by almost anyone. My Coinbase account was wiped out and they even attempted to transfer funds from my linked bank account. I notified Coinbase on XX/XX/2021 and they gave me a case # however as of today, XX/XX/2021, Coinbase has not given me access to my account and there is no response from them since XX/XX/2021.
Consumer complaint received 2021-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

I filed for bankruptcy in XX/XX/2019 and have remained in bankruptcy. My payments went up about {$400.00} but kept going up within the next year and after 1 year went up almost {$1000.00} which I couldn't afford anymore. 

I called my mortgage company at the end of XXXX to see if I could apply for a loan modification and was told I did qualify. I was informed I would receive my paperwork 7 business days and would have 14 days to return them signed and notarized. Over the next 9 weeks I have called US bank at least 9 times to try and get the paperwork mailed to me or my bk attorney 's office with no success. I made the payment they verbally advised me to make and now at 10 week, I have not received my paperwork. 

Please help.
Consumer complaint received 2021-08-11
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. (MI)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-11
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. (FL)

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, XXXX, Transunion are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX
Consumer complaint received 2021-08-05
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. (FL)

ORIGINAL COMPLAINT I purchased a new car from XXXX XXXX XXXX in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXXXXXX XXXX where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a XXXX XXXX XXXX. I can only assume that the mail was returned to XXXX by the USPS. I went to the dealership who told me that XXXX would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a 147 point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value. I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help me. 

Supplemental Complaint with Evidence This complaint was investigated and ruled against me with documentation. This documentation shows an incorrect address which the USPS has advised would have been returned to XXXX. During the time that the bills were sent my mail was being forwarded because of a house fire and the address on the bill shows XXXX XXXX XXXX XXXX when in fact it is XXXX XXXX XXXX XXXX which the forwarder machines would return to sender as an invalid address. Furthermore XXXX shows my second payment as missed which is not true as no payments were made until the first request was received by me in the mail.
Consumer complaint received 2021-08-11
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. (NC)

Hello, I am having an issue with all 3 credit bureaus NOT investigating my accounts. Even if I send certified they may not even respond. I sent VERY SPECIFIC letters to the credit bureaus and they have not responded to ANY OF MY REQUESTS. No updates no letters no mail no anything. Please MAKE them investigate so that I can move forward with my life. I will include the letters I sent ... thank you!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, I am writing to formally dispute a late payment notice I recently received regarding my credit card account # XXXX XXXX XXXX XXXX. As a diligent cardholder, I have reviewed my records and found discrepancies that I believe warrant further investigation under the provisions of 15 USC 1666b of the Truth in Lending Act. I received a notice indicating that my payment for the billing cycle ending on XX/XX/2023 was received after the due date. However, upon reviewing my records, I found that I made the payment on XX/XX/2023, which was well within the grace period specified in my cardholder agreement.

Enclosed with this letter are copies of the following documents for your review and consideration : A copy of my credit card statement for the billing cycle ending on XX/XX/2023, clearly indicating the payment made on XX/XX/2023. 
Proof of payment confirmation, such as a bank statement or transaction receipt, verifying the payment date.

Based on the information provided, I respectfully request that you : Conduct a thorough review of my account and acknowledge the receipt of the payment made on XX/XX/2023. 
Correct any inaccuracies in your records that led to the issuance of the late payment notice.

Provide me with a written explanation of the findings of your investigation and any adjustments made to my account.

Furthermore, as per 15 USC 1666b, I would like to request that any negative reporting to credit bureaus resulting from this dispute be suspended until the matter is resolved.

I appreciate your prompt attention to this matter and expect a timely resolution within XXXX  days of the receipt of this letter, as required by law.
Thank you for your cooperation in resolving this dispute. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. 
Sincerely XXXX XXXX [ Enclosures : Copies of credit card statement and proof of payment ]
Consumer complaint received 2021-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

On XX/XX/2021 Aragon agency sent me papers after I made one dispute with the XXXX. It is an account with a balance of {$7400.00} that they reported to my credit. The signature page shows the signer was the patients father and not me. I called Aragon agency and advised them of this and they still refused to remove it from my credit. They still said basically Im the responsible party when the signature is clearly not mine.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (LA)

I've been disputing inaccurate accounts with Equifax the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX, XXXX, XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX  account 6 months now with Equifax and it still reports an inaccurate Open account status, an inaccurate open account rating, an inaccurate Late 120 days payment status, an inaccurate past due amount. Equifax remains in non-compliance.This XXXX  account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity XXXX  Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, and Equifax XX/XX/XXXX , XXXX XXXX still reports a payment pattern to XX/XX/XXXX which leaves Equifax in violation thereof ... .Equifax records both XXXX accounts inaccurate, I've been disputing these XXXX  accounts for 6 months now with Equifax, and it still reports an inaccurate Open account status, an inaccurate open account rating, an inaccurate Late 120 days payment status, an inaccurate past due amount. Equifax remains in non-compliance. Both XXXX  accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I booked a room on XX/XX/XXXX with my webster checking debit card. On that same day I canceled and it was explained to me by the vendor that I would not incur any fees for canceling since it was same day. I did incur a {$12.00} cancelation fee which I disputed with Webster Bank. I was instructed on XX/XX/XXXX by XXXX at Webster customer service to send an email to XXXX requesting to dispute this charge as I did not consent to it. On XX/XX/XXXX I sent another email for a follow up and just recently on last week. I did not consent to this charge and my banking institution is follow up with me.
Consumer complaint received 2021-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

OTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2021-08-11
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. (NY)

My identity was compromised. I think it started from XXXX XXXX XXXX XXXX. My account on XXXX XXXX was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from XXXX XXXX website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from XXXX XXXX, and I didn't even receive any updates for someone trying to update my email or phone number. I hope XXXX XXXX had the real people to handle the issue like this.
Consumer complaint received 2021-07-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (NY)

This debt was a result of identity theft but I was unable to dispute it as both XXXX  and XXXX  verified it as accurate. The debt was then paid through a collection agency in XX/XX/XXXX, as of XX/XX/XXXX the debt is now back on my credit report under a new collection agency even though it was paid in full.
Consumer complaint received 2021-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, 15 US C 1681a ( 2 ) ( B ) right of exclusions and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.