davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (NJ)

Please help my family stay in our home. I have tried to work out a modification agreement with Hudson City Savings Bank. The loan servicing department does not have any interest in being reasonable. Clearly now that they have been given approval for their merger they no longer care about the homeowners that they are servicing mortgages for. I am sure a bank like XXXX XXXX XXXX does not condone this type of behavior. I have proven without a shadow of doubt that I am back on my feet and able to make a mortgage payment. All I ask is that I be afforded a modification to get out from under the arrearages I have accumulated. I am not trying to run away and I know it is late but it is only now that I can afford this. We paid for on this loan for years, this is not a case of a XXXX payment default or early payment default. I am even suggesting that a mod be put in place that is completely beneficial to the bank. I am asking that you extend this term which will bring you more in interest income. I am sure once your stockholders read this they will be confused as to why you would not want to create income for the bank. We had problems, like many others, in our lives. I have shown my income versus the monthly debt obligations and I am well below the needed DTI or XXXX requirements that Hudson City has in place. Please help me do something here, I can afford the original mortgage payment again but I can not bring all the back due amount to the table right now. I am asking that you place the arrearage on the end as a balloon or even as an extended term. My family lives in this house and I have a sheriff 's sale in a few weeks. I do not have the ability to move everyone somewhere else. How can Hudson City, in good conscience put me and my family out on the street knowing that I can now afford the monthly payment. They intend to make us homeless in time for the holidays. What can we do? Please, we ask that anyone that can, help us!! 

Regards,
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM TRANSUNION & XXXX DATE OPENED-DATES DIFFER FROM TRANSUNION & XXXX BALACE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM TRANSUNION & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DIFFER FROM TRANSUNION & XXXX DATE LAST ACTIVE- DIFFER FROM TRANSUNION & XXXX DATE OF LAST PAYMENT- DIFFER FROM TRANSUNION & XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION & XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp XXXX XXXX reported XXXX XXXX that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to XXXX. XXXX. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during XXXX crisis. 
I can not obtain a loan for home repair until XXXX XXXX remove this erroneous error, reflected on my XXXX XXXX Experian XXXX and XXXX reports dated XX/XX/2023. 
Also, XXXX XXXX had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXX XXXX. I receive 3-5 junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all XXXX reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX 180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX  is proof to me of the unwillingness to accept the 40-60 point credit points drop reflected on my credit reports. I have called XXXX as recent as this afternoon requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella of XXXX
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have wrong addresses and phone numbers on my credit report, I have not lived at all these addresses. There should only be one address on there and that is XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX that's it. Please remove them from my credit report because they are inaccurate.
Consumer complaint received 2022-05-16
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. (IL)

I have wrong addresses and phone numbers on my credit report, I have not lived at all these addresses. There should only be one address on there and that is XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX that's it. Please remove them from my credit report because they are inaccurate.
Consumer complaint received 2023-10-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (CA)

I applied for an assumption for our mortgage in XX/XX/2023, ( at this time they verified my mortgage was assumable and assured me that it would not take longer than 90 days for the entire process ). The mortgage company verified that they received my documents on XX/XX/2023. Since then, I have attempted to contact the company. The first time I called, they verified that they received documents and we should get the next step of the process within 7-14 days. Once that time had passed I, again, attempted to follow up. This time the customer service Rep said they would put a ticket in for the assumption dept to call me back within a week. After 2 more weeks, I followed up and they refused to escalate the ticket and refused to allow me to be transferred to the assumption dept or to talk to a customer service supervisor. Since then, I have followed up regularly with the same responses of pushing a ticket to be called back, and to give it more time. The last time I spoke with a customer service rep she even said that it was ridiculous that I haven't received any further communication or follow up from the assumption dept. Customer service said there is nothing else that they nor I can do to move this along any further. 

I feel as though Freedom Mortgage is breaching our mortgage agreement. I also feel as though they are breaching our verbal contract that the process would be completed within 90 days. They are not allowing us to have our mortgage assumed.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (CO)

My account was compromised and someone began making fraudulent transactions on my account. I received a phone call from the fraud department letting me know that fraudulent transactions were taking place. My debit card was cancelled and a new one was sent out. I called to ask whether the thief took my debit card number or had hacked my account, I was told it was the debit card and a new card would solve the problem. Fraudulent transactions continued. New debit card was canceled and this time, the representative claimed the thief had taken my account number. I set up a new checking and savings account over the phone with a manager. As I was setting up the new account, my account was actively being hacked by the thief. I was also told that this person ordered a new debit card to his address and changed all of the contact information on my account somehow. This second account was then hacked as well, despite there being no way the thief could have taken this new information. My account has been frozen off and on for approximately a month and two weeks now, and most of my money has been stolen. I have not had access to my money for such a long time, my bills are piling up and Ally won't answer the phone. I have never received a debit card or checks to my new account and have never had online access either. Now I am trying to close my accounts and receive a check with what remains of my balance, but Ally is refusing to return my money and refusing to close the accounts.
Consumer complaint received 2022-05-16
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: Maximus Federal Services, Inc. (TX)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working on my credit since XXXX this year and I have sent mail to the TransUnion, and TransUnion mailed me letters stating I was a credit repair agency and could not resolve the issue. I have been in the dark about my personal credit since XXXX XXXX, XXXX. I have not heard anything and they have violated my rights. I need these negative items removed from my credit report. They have violated my legal rights! It has been well over 60 days with no communication via mail, or email. 

Accounts listed below & Dates of letters sent on XX/XX/XXXX, and XX/XX/XXXX : XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX / XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capio Partners, LLC (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 : states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency CAN NOT furnish an account without my written instructions. 

15 USC 1666B : a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late and for purpose.

To whom and all this may concern :
Consumer complaint received 2016-01-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I recently moved from my previous home of 4+ years to another city in Michigan . I acquired a different home area code and phone number. I moved from a home to an apartment in XXXX, 2015. Since acquiring a new phone number, I started receiving voicemail messages from a debt collector called Portfolio Recovery at XXXX. I received the messages daily, until XXXX day I was at home ; I picked up the line. The representative stated that they were a debt collector attempting to collect debt from someone who has my name. Note : I have a common first and last name. The representative asked if the last XXXX of my SSN number was XXXX. I told her no, and did not provide her with the correct last XXXX of my SSN. She apologized and said she must have the wrong person, and stated that they would remove my number from their call list. That was approximately one month ago. I received a call again today from the same company, and I picked up the line. She said and requested the same information as the last rep., but this time she requested that I confirm a completely different last XXXX of my SSN than the other rep. I told her the number she provided was NOT the last XXXX my SSN. She told me her company will stop calling because they obviously had the wrong person. I told her that 's what the last rep. said. I became irritated and felt I was being harassed. I work extremely hard and am a very responsible citizen! I do not need stupid debt collectors calling me with false information! This a company who are clearly phishing needs to be stopped. The last rep. said I was " cutting her off '' and that 's when I got louder and extremely upset. She was yelling and trying to over talk me. I have every right to yell at someone who is accusing me of something that is not mines or did not do. I am disappointed that these people are harassing innocent people. Again, if the information they are requesting were true ; the last XXXX of the SSN should at least match the consumer 's. I feel sorry for people who actually believe viscous companies like Portfolio Recovery when you are aware of all of your finances.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I was a customer of American Express for over 30 years. In XX/XX/XXXX, I encountered a problem with a prepaid rental car reservation through a 3rd party vendor ( XXXX ) that was unfulfilled by XXXX. This reservation was paid in full in XX/XX/XXXX on my American Express card in the amount of {$290.00}. The rental period was to have begun XX/XX/XXXX, but when we want to pick up the car, there were no cars available. Since my contract was with XXXX, I tried to obtain a refund from them, but they refused. I immediately filed a dispute with American Express and uploaded all relevant documents. I should mention that, in addition, I also incurred {$280.00} in alternate transportation expenses. American Express was very polite and said they " had my back, '' but they ultimately denied my dispute, siding with rentalcars.com, who falsely claimed I was a " no-show. '' The dispute process dragged on for almost 2 months. I became so frustrated with American Express, that on XX/XX/XXXX, I called to cancel my account. My call was routed to an automated system, and although I would have preferred to speak with an agent, no human took my call. The automated system indicated I would receive a {$100.00} credit for the unused portion of my annual membership card fee. Shortly thereafter, I called American Express to demand a full refund of the {$250.00} annual fee, as their customer service was so deplorably lacking. They opened an inquiry, but no outcome was communicated to me, and at a minimum, I never received the {$100.00} pro-rated credit as indicated by the automated system. After repeated phone calls to follow up with American Express, I was told conflicting outcomes : That I would receive the full {$250.00} as well as {$0.00} credit. In reality, I finally ascertained that I would not be receiving a credit for any portion of the {$250.00} membership fee. On XX/XX/XXXX, I spoke with an agent who suggested that I reinstate my card and use it for the remaining 4 months of the membership period. I realized this might be the most practical solution under the circumstances, and requested that my card be reinstated, but the agent was unable to do so, indicating that I would, in fact, have to apply for a new card. This likely would have required the payment of another membership fee, which I certainly would not do. Therefore I am out of pocket {$830.00}, not to mention the many hours I spent between XX/XX/XXXX and XX/XX/XXXX trying to resolve these compounding issues, which were all resolved in favor of American Express and their vendors. At the same time, they continued to assure me that they " had my back, '' which couldn't be further from the truth. American Express is clearly profiting by misleading their customers, to their financial advantage.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery purchased debt According to 15 USC 1692 ( 2 ) a debt collector may not state such consumer owe a debt. I have not consented to the selling of my private information in disclosure of my place of dwelling, I have no bonded contractual agreement with the company in pursuant to an alleged debt. This is also a direct violation of 15 USC 1692f unfair practices I have never consented nor have done business with this company who is reporting inaccuracy to my consumer report which is a threat to my moral character and procurement of consumer report for the resell without written consent 15 usc 1681 A ( e ). The furnishing of this inaccurate reporting of information is fraudulent
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

There is information thats on my consumer report that is a result of identity theft. The identified transaction is not information related to any transaction by me as the consumer. 
I am requesting that the reporting of this information be blocked and deleted. 
I have Filed a report with FTC, dispute with Experian. Supporting documents were sent to Experian on XX/XX/2024. Experian has not blocked or deleted the fraudulent account they are required to block the transaction from being reported to my consumer report within 4 days from the date of the receipt from the notice.
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

I withdrew some crypto to my CoinBase account. It's left my other account, but it still hasn't shown up in my CoinBase account. It's been over 6 hours. I've sent multiple messages on multiple platforms, but I can not get anything besides an automated response. They tell me to submit my issue online and they will send me a Case ID number, but I've submitted four requests, and I have yet to receive a Case ID number.
Consumer complaint received 2021-10-29
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$3300.00}
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

We have a XXXX checking and a XXXX credit card account at XXXX XXXX as we are frequent travellers. Using the card for online purchase ( e.g. flight tickets ), at the time of payment after being redirected to the XXXX interface, when the pop-up windows appears to elect the second authentication method ( SMS or voice call ) I am always presented three time the same phone numbers in the drop box instead of showing us our three different phone numbers. Although we have well entered our various phone numbers in the bank-account, in the personal detail page ( see attachment ), it only reflects one single option repeated three times. We keep always three different operational numbers to make sure we are not stuck in case of roaming issue with one telecommunication operator while abroad or in case of excessive delay for the XXXX  bearing the 2FA code to reach us. We escalated the problem twice over the past 12 months but it has not been corrected since. It has to be noted that before this was working well two years ago. Attached are a screen copy of the issue showing the duplicated same number in the drop list.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Unable to reach live representative, unable to retrieve six digit passcode via text, apparently Experian inputted wrong telephone number into their system. 

In a nutshell, unable to lift freeze. Unable to reach live representative. 
XXXX XXXX XXXX XXXX XXXX XXXX