davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I received a notice dated XX/XX/2016 from XXXX notifying that they made a claim for payment on the FHA mortgage insurance. The notice also stated that FHA sold my mortgage loan to XXXX and that Carrington Mortgage Services, LLC ( " CMS '' ). 
The notice further stated that as a result of the assignment of my mortgage to HUD, the payment by FHA of the FHA mortgage insurance claim and the [ mortgage insurance ] was terminated and not further premiums are due by me. 
I have been experiencing financial hardship so on XX/XX/2016, I completed the CMS 's Request for Mortgage Assistance ( RAM ) package seeking to modify my current mortgage loan. 
On or about XX/XX/2016, I received a Trial Period Plan Agreement letter dated XX/XX/2016 ( " TTP Letter '' ), whereby the following modification was offered : TTP Schedule TTP Amount Due Date Good Faith Payment {$10000.00} XX/XX/2016 1st Trial Payment {$2100.00} XX/XX/2016 2nd Trial Payment {$2100.00} XX/XX/2016 3rd Trial Payment {$2100.00} XX/XX/2016 The TTP Letter further states that once the Trial Period Plan begins, if I do not meet the terms of this Plan and your are not eligible for any other loss mitigation option, CMS may, without further notice to me, terminate the Plan and commence or continue collection and/or foreclosure proceeding according to the terms of my Note and Security Instrument. 
On or about XX/XX/2016, I have received a Notice of Intent To Foreclose dated XX/XX/2016 if I did not pay {$160.00}, XXXX. 
The Good Faith Payment in the amount of {$10000.00} is tantamount to a down payment in order to get a loan modification. CMS knowingly and purposely offered a trial period plan that failed to modify my monthly mortgage loan payment to an affordable amount in order to avoid foreclosure and is demanding that I pay down payment of {$10000.00}, which I clearly can not afford.
Consumer complaint received 2022-03-08
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. (GA)

On XX/XX/2022, I sent a letter to equifax about items furnished on my credit report without my consent. I am furious as these items are damaging me as a consumer XXXX cant even purchase a house because of it. It has been over 30 days and I have yet to receive a response!!! This is absurd
Consumer complaint received 2018-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX I made a transaction with Coinbase.com. I made each transaction of {$1000.00} to buy bitcoins. They promised money will be available to withdraw in 5 days. Since 9 days left funds are still not available to withdraw. Their telephone people are basically robots and they don't answer their email. That charged my checking account for {$1000.00} and I think I will never get it back. I also contacted my bank, but since it's a transfer they told me I have zero chances to get money back.This company is a scum since they don't communicate in any way. my account with Coinbase is XXXX. Thanks for your help. XXXX XXXX
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

Freedom Mortgage acquired my loan, which was originally held with XXXX. While my loan was held with XXXX ( from the start ) I had automatic withdrawal set up on my account. My payment history was impeccable being that the payments were on auto withdrawal. Unfortunately, when the acquisition of my loan took place ( from XXXX to Freedom ) XXXX cancelled my automatic withdrawal. This cancellation caused my loan payments to default. 

Details I had no idea the acquisition of my loan took place, and I also had absolutely no idea the automatic payments were cancelled. Up until XX/XX/XXXX I was operating under the impression everything on my loan was the same as it had always been. I ONLY became aware my loan was in default because I received an alert from XXXX credit bureau stating my score had dropped over 120 points ( based on missed payments from this loan ). Upon receiving the alert from XXXX I called the number provided on the credit bureau, which is when, I became aware XXXX no longer held my loan. Once getting in contact with Freedom Mortgage I was able to sort things out. I immediately paid the outstanding balance, and brought the account current. 

Some facts regarding the failed communication need to be put in consideration. I moved out of the property XX/XX/XXXX. Upon moving I had a savings account ( outside of my other personal and business accounts ) set up for this payment. At that time everything on my account was as it should have been excellent payment history, auto withdrawal was in place etc. The fact I had a separate account for this loan is the reason I didnt notice the payments had stopped. Furthermore, due to the fact I no longer lived at the property I never once received a letter or call relating the loan acquisition/cancellation of my autowithdrawl for payment. See attachment for communication notes your representative provided me. Per the notes in the attachment youll see mail was listed as returned to sender and there was no contact made via phone- they had multiple wrong numbers and called them multiple times. Again, had there been any communication this wouldnt have happened. Ive also attached my credit report to highlight the negative reporting that needs to be removed. This horrendous scenario is product of failed communication due to a business acquisition ( Freedom Mortgage and XXXX ) I had nothing to do with. My credit was XXXX prior to this incident, and now Im facing potential business hardships with the drop in my credit.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TN)

I worked hard to pay off debts and remove inaccurate information from my credit report. My credit report is showing I dont have any collections and I still can not get a credit card due to a card I settled with in the past. I made a mistake I was XXXX in XXXX  XXXX  and didnt understand the importance of credit. I made a mistake and I corrected my mistake. I just want another chance with this great company. I feel like I shouldnt be punished for a mistake I corrected. I have XXXX collections/charge offs.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I have had a Kohls Charge Credit Card for 9 years. For the 9 years of having this credit card I either went to the store and made a payment in person, or I called on the phone or did a one-time payment on the website. 

In XX/XX/2021 I forgot to make my payment by a few days, once I remembered I called Kohls, they reversed the late fee no problem and I processed my payment for the minimum due. After almost forgetting to make that payment, I decided I should just sign up for automatic payments so this didnt happen again. My bank account information was already saved in my account so all I had to do was set it up for the automatic payments, which I thought I had done. Next payment for XX/XX/2021 was suppose to be automatically drafted from my account, and then XX/XX/2021. Apparently the automatic payments didnt process. The 9 years of having this charge card this was my first time setting up the automatic payments and for some reason it didnt go through, possibly could have been an error on Kohls end. I was unaware of the XXXX and XXXX payment not going through, until I received a call from Kohls saying I was 2 months late, which I thought was a mistake and this was a scam caller because at that time, which I had thought I made my automatic payments. The rep. Told me I didnt make the payments, He told me if I paid the balance in full he would waive the late fees and the late payment wouldnt be reported. The late fees got waived but the late payment was reported which drastically dropped my credit XXXX points! 9 years I have never had an issue like this with Kohls, and after the late payment got reported I reached out several times to kohls and they said they cant do anything, even though they said they wouldnt report the late payment especially since this hasnt happened to me before and Ive never called them with a problem like this. This late payment is the only thing affecting my credit score, I havent had a late payment like this in 6-7 years and because of their website thats already difficult enough navigating through and didnt process with my automatic payments, I have to go through this. Not hard enough that at that time it was still COVID-19 and considered a natural disaster like everybody wasnt struggling enough, they couldnt even do a 1 time courtesy, or a good will adjustment due to all the circumstances.
Consumer complaint received 2021-06-08
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. (CA)

The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX  XXXX
Consumer complaint received 2018-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I mailed letters to every collection agency on my credit report. I had insurance and am being charged for medical expenses. I tried to call and fix the issue, I mailed letters. When I go to dispute every one on XXXX it doesnt allow me to go through because it says I answered the security questions wrong. They are questions like who did I open a car loan with in XX/XX/XXXX and what bank account did I open in XX/XX/XXXX and I dont know if someone is using my name, but I answered all of the questions right and it said my answers dont match their records. This is crazy. I am XXXX years old and XXXX and trying to clear up these crazy and unknown debts and collections and I cant even go through with it. Please someone help me.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NE)

I went to open a checking account and was denied because of the information contained in my ChexSystems record. It says I owe money to XXXX XXXX for a checking account. I've never opened any type of account with XXXX XXXX. I disputed the information and never received any response from ChexSystems yet the incorrect information remains on my ChexSystems report.
Consumer complaint received 2022-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (IL)

I have XXXX XXXX who informs me when I have a negative mark on my credit. A collection agency I believe it is Central Portifolio Cont with sending me anything to dispute this debt has shown up on my credit as an unpaid bill. By law the are required by law to send you written notification on a debt which in this case they did not. Which you then are allowed to dispute.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (AZ)

Received a collection letter from alltran financial stating that I owe {$860.00} to XXXX XXXX. I have verified that I do not owe XXXX XXXX   anything. 

I did ask alltran financial for verification of the debt but they refused unless I verify my social security number and other personal information. ( I will not provide any information of that nature over the phone ) I Am also looking into litigation against them as it feels like a scam.
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (WI)

I had no problem getting the alerts for statements and due dates till last XXXX 2014. THey stopped emailing me. I didnt know when the due date and how much the payments for XXXX, XXXX, XXXX and this month. they charged me with the late fees and harassed me by calling me and sending letters, THey threatened me with filing for code of default. I emailed them and told them I never got the alerts. They replied back and falsely accused me for changing my email address and blocking the alerts. I never did that. And XXXX of their employees sent me a letter and still accused me. He was very narrow minded. And they refused to listen to me. When I called the bank customer service, they required that I should use the XXXX or XXXX. I am XXXX. But I do n't have XXXX or XXXX anymore. I only use videophone. They were so rude and disrespectful. I told them that they need to apologize to me but they refused. The bank 's name is synchrony bank ( Amazon store card ). My lawyer wrote letters to them to stop harassing me and they have to pay off the balance. It is not my fault. You need to talk to them. And they discriminate against XXXX people.
Consumer complaint received 2023-08-14
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: Mercedes Benz Financial Services (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-05-24
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. (MI)

On XX/XX/XXXX and also on XX/XX/XXXX I sent a debt validation request to transuion XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX both via certified mail. The account in question is XXXX XXXX for the amount of {$290.00}. According to the fair credit reporting act I have the right to have this inaccurate information removed from my credit file after not receiving adequate validation of this debt in question. I have disputed this information to transuion 3 times to no avail. Transuion 's unwillingness to assist me I'm this matter is a violation of my request and I am asking that this inaccurate information be removed. I have received a response from transuion stating that this information will remain on my credit file as they have verified it as accurate. Transuion 's verification does not constitute as validation, which is required by law once I have requested it. The debt being reported by TransUnion / XXXX XXXX is inaccurate and it does not belong to me therefore I have requested validation for this account which I have not received. This is a violation of my rights according to the fair credit Act and the debt collection practices. I have NOT RECEIVED ANY VALIDATION OF THE ACCOUNT IN QUESTION. And the required time by law has passed.
Consumer complaint received 2024-02-21
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. (GA)

I have been waiting for months after reporting fraudulent accounts on my consumer report to Experian, expecting the Fair Credit Reporting Act ( FCRA ) to be followed promptly. This is my third time reporting information about my dispute of fraud identity theft to the Experian fraud department. I have diligently provided all necessary documentation, including the Federal Trade Commission ( FTC ) identity theft report, which details each fraudulent account, and police reports. Additionally, I provided front and back copies of my state photo identification card, along with all other required related information to support the fraud claim, to be handled accordingly with the laws of the Fair Credit Reporting Act. 

Despite providing all required documentation, Experian has failed to take action to block or remove this information. The FCRA requires companies to comply with removing or blocking all accounts within four days of receiving documentation of identity theft. However, Experian did not adhere to their word to do so and instead provided me with information stating an update to the accounts. 

This delay has caused significant distress and financial harm, as I am relying on Experian to conduct a thorough investigation and remove the fraudulent items from my report in accordance with the FCRA. As outlined in the FCRA, consumers have the right to dispute inaccurate or fraudulent information on their credit reports and expect timely resolution from the credit reporting agencies. 

Experian 's failure to promptly address this matter not only violates my rights under the FCRA but also prolongs the harm caused by the fraudulent accounts appearing on my credit report. I urge Experian to prioritize the resolution of this matter and promptly block or remove the fraudulent accounts from my credit report as required by law. Additionally, I request that Experian provide me with updates on the status of the investigation and any actions taken to address the fraudulent activity on my account. 

Thank you for your attention to this matter.
Consumer complaint received 2022-03-08
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. (MO)

On XX/XX/XXXX I contacted chase bank due to fraud on my account. Chase told me not to worry and then sent out a new card. Come XXXX XXXX XXXX I notice an unauthorized charge from XXXX and they tell me it somehow processed on my old card and not to worry because I would not be responsible for this charge. XX/XX/XXXX I get a letter stating that I told them this charge was valid and that is a flat out lie. The charge was for XXXX which is a significant amount. My fear is that now I need to get legal representation because they say had an investigation but never asked me for any information. Everytime I call I am hung up on or transferred and transferred and transferred and then that person will tell me not to worry and that I am not responsible for those charges.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

REF CFPB XXXX. Both XXXX  XXXX  and Fifth-Third Bank " the company '' response in the above complaint/case failed to answer and resolve the original complaint/question regarding XXXX XXXX  and/or the company having jurisdiction and/or authority in withholding insurance proceeds received in regards to a recent damage claim.
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XX/XX/2018 I went to the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX to withdraw {$40.00} from the ATM machine. When I perform the transaction no money came out of the ATM machine. When perform the transaction again {$40.00} came out of the ATM machine. A few days later I checked my account at USAA Federal Savings Bank and found out that the transaction was duplicated. I called USAA Federal Savings Bank and told them what had happened and they started an investigation. A few days later I received an email from my bank stating that no error had occurred. Again I only received {$40.00} from the XXXX XXXX XXXX ATM machine.
Consumer complaint received 2024-02-04
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.