davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
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: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX began reporting this account derogatory in XX/XX/XXXX. It was only when I retrieved a copy of my credit report on XX/XX/XXXX that I noticed this erroneous, inaccurate entry on my reports. I have not received any correspondence from this company regarding this entry. XXXX did not provide a dunning letter as required by law thus violating my rights to dispute the validity of this claim. 

I have never did any business with XXXX nor have I ever entered into a contractual agreement with them. XXXX should have provided : *An agreement that states their authority to collect on this alleged debt ; *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of their bonding agent for collection agency in case legal action becomes necessary Further, XXXX should provide a copy of the financial responsibility page as well as any and all documents that bear my original signature and consents to XXXX having access to the alleged information associated with the alleged debt. Too, XXXX did not allow me to request that they cease any and all collection activities and reporting until I can validate the alleged debt. 

It appears that XXXX is in direct violation of my consumer rights and therefore, is negligent in reporting this entry on my credit reports. DELETE this entry immediately.
Consumer complaint received 2015-10-22
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Coinbase, Inc. (MN)

Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully.
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I faced some financial difficulties after going through a very traumatic divorce. Due to exigent circumstances, I had to stop paying my XXXX XXXX XXXX and XXXX XXXX XXXX, both owned by XXXX XXXX. Portfolio Recovery not only sent me numerous letters but harassed me via telephone calls daily trying to collect on the debt including calling during my work hours and on both my cell and work numbers. If I was available, I would answer their call. I also contacted Portfolio Recovery on numerous occasions ( some dates I documented and some I didn't ), explained my situation, and offered to settle the debt for what I was able to afford. My offers were declined every time even though I explained that I had taken a loan from my retirement account to pay what I could afford of the XXXX balances. XXXX XXXX XXXX had already gone bankrupt but Portfolio Recovery would not entertain my offers. I was so desperate that I contacted attorney XXXX XXXX to file for bankruptcy. At the XXXX XXXX XXXX XXXX and XXXX were the only XXXX collections I had not been able to settle. XXXX XXXX counseled me to try to avoid bankruptcy and offered to send them letters to try to resolve the XXXX balances but Portfolio Recovery completely ignored. They reported both collections to the credit bureaus and that has affected my credit negatively. As a single mom, I am trying to rebuild my credit but due to Portfolio Recovery 's actions, I have been unable to bring up my credit score. I have been denied credit on several occasions because of that. I hereby request Portfolio Recovery removes the XXXX collections from my credit report as I have made continuous good-faith efforts to settle these debts and they have refused. 
I have attached Portfolio Recovery Collection Letters and Attorney XXXX XXXX 's Letters to Portfolio Recovery. 
XXXX  debt amount {$4700.00} - offered {$1500.00} XXXX XXXX XXXX debt amount {$2300.00} - offered {$750.00}
Consumer complaint received 2019-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

There was this girl who had said to send {$40.00} on Saturday, XX/XX/2019to a PayPal account at XXXX. Then, upon completion of the payment proceeds to tell me that, oh yeah sorry that was a mistype, the real Email is, XXXX told me to just resend it to that one. But the payment already went through to the other Email, which I'm assuming is still hers, and I can't cancel it or get it refunded at all ... Paypal hasn't taken any action as they take forever to get back to people about serious problems like this which is incredibly unfair ... ..I need that money back, this is not ok ... Please help me
Consumer complaint received 2020-09-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My VA loan is with Nationstar aka Mr. Cooper I am or was in the process of doing a VA streamline refinance of my VA loan with my current lender Nationstar. I started the refinance process on XX/XX/2020. I was approved of the refinance and a rep from Mr. Cooper said, " it usually takes two weeks to complete a VA streamline refinance but because of the increase of refinance applications around the U.S., it  would take up to 30 days. '' On XX/XX/2020 i called mr. cooper to ask for a status update of the refinance. a rep said, " we are still behind, make a payment on the current mortgage again with the same rate. '' XX/XX/2020 ( 60 days of processing ) i call and i receive the same statement, " we are still processing the refinance again. make a payment and wait. we will call you when we have closing details. '' i wait ... XX/XX/2020 ( more than 90 days processing ) a new rep calls me and apologizes and stated, " I will have me closing in XXXX. Make another payment. '' I told him, no i want to speak with a manager. the manager says we have to write another refinance application. I said i disagree. You had everything you needed from me  in XXXX. After pulling my credit, asking me to make payments on the same interest rate while they were processing the refinance. And now we start all over again??? in XXXX? Please get me in front of a judge for fraud and to get my money back. Please help. thanks *below is more information amount of mortgage is XXXX at 4.25 int rate. they have already cost me thousands over the last four months. 
Actions taken ... in XXXX, the last time i spoke with a rep from nationstar, i told them about what happened about the refinance that was mismanaged and lost. they said, " we do not assist with that. make a payment. '' i told them to record or copy this statement. I will not be making another payment under the same terms and conditions because the contract was null and void. they had committed fraud and i want to speak with someone who can resolve the refinance problem. i have not spoken or received a phone call from Nationstar.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

In XXXX of 2019, my husband had lost his overtime at his job. We rely on the overtime to help us pay our bills. We have small children and I am a XXXX XXXX XXXX XXXX. At that point we were behind two months behind on our mortgage ( XXXX/mo ) and with no end in sight we started the loan modification process through Mr Cooper. We got all of our paperwork together, wrote a letter stating why we needed to go through with this, listed all of our expenses etc. We faxed the first set of paperwork on XX/XX/XXXX. We followed up with many phone calls each week to make sure things were going where they needed to be, but we never had the chance to speak to the same person. Multiple phone calls led to different answers from different people. We were given different information each time we called. This went on for weeks. Another phone call led us to a " specialist '' who told us in order for them to continue with the load modification, we would have to be current. We took every penny of our tax money and paid them in XXXX. A week or two after, we were denied the modification because we had become current. To say we were frustrated was an understatement. Here we are again, three months behind because we had lost the overtime once again. I spoke with a HUD counselor today that referred me to here.
Consumer complaint received 2015-08-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (TX)

Applied for loan XXXX XXXX with Rise Credit. I had used this service in the past but needed to change my bank account number for the funds to be deposited in. Spoke with a representative who told me to proceed with my application then immediately email a voided check so they could update my info. The next day funds were not deposited into my account. I called Cust. Svc. and the rep informed me the prior rep gave me incorrect information and I would need to cancel my previous application so they could change my bank info. I sent a cancellation request in writing XXXX XXXX as per their policy and they informed me the loan was cancelled, my bank info was changed and i could reapply within XXXX business days. XXXX XXXX I logged into the Rise website and it showed the previous loan attempt had been canceled. There was no mention or information showing they withdrew the {$310.00} from my bank account. I reapplied and funds were deposited to my bank XXXX XXXX in the amount of {$310.00}. Upon checking my bank account I noticed Rise withdrew {$310.00} on XXXX XXXX ( the amount of the previously canceled loan ). The only issue was they never deposited the original loan into my bank account. So now, I am missing {$310.00} from my bank account that was not Rise 's to withdraw. I spoke with a rep XXXX XXXX who was unable to help me and told me they do not show in their system that they made the withdrawal on XXXX, yet my bank statement shows otherwise. Due to their error I have now had returned transactions and have been penalized by my bank for insufficient fund charges. The rep on XXXX informed me they " had an issue ticket in the system '' but there is no guaranteed date of resolving my issue.
Consumer complaint received 2015-12-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to get a loan mod for a home equity line of credit that I got before the XX/XX/XXXX crash ... Bank of America had sent me a letter stating they can modify it through a Government Program HEMP since I can not afford my house payment to go from XXXX to XXXX a month. For OVER a YEAR now they have been playing games and have done little to nothing even after I went to the Federal Government and they told me to just go on line and file the necessary paperwork and submit it to Bank of America .... They still continue to play games even after I was told by the Federal Government that if I do n't qualify for the program NO ONE DOES! I am now at the end of my rope and the bank is raising the mortgage on XX/XX/XXXX which is after the Federal programs expire from what I 've been told ... I suppose me and my family will have no choice but to stay and fight when they come to evict us ... A sad epitaph for a former Elected Official and person who has ALWAYS PAID HIS MORTGAGE on time to a bank that was BAILED OUT with XXXX of Our Tax Dollars!
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

Summary : Two Incomm issued XXXX prepaid cards I purchased on XX/XX/XXXX and XX/XX/XXXX were either faulty or tampered with. Incomm had promised resolution of this case within 30 days but has exceeded that deadline, and have not even responded or confirmed that they have received my case documents. 
Incomm Provided Case Number : XXXX On XX/XX/XXXX : I purchased a Visa Gift card from XXXX. 
On XX/XX/XXXX : I purchased a second XXXX gift card from XXXX. I opened both gift cards and noticed signs of damage inside the packaging, including marks on the cards and used sealant glue. I attempted to use these two cards at a store and the magnetic stripes on the cards were not able to be read. I called Incomm customer support at XXXX and filed a case to report the cards as tampered with. I was provided with a case number and asked to email photographs of the cards and receipts to Incomm at XXXX, which I did immediately. Incomm 's customer support representative provided a timeframe of 10-30 days for the case to be resolved and replacement cards to be mailed. 
On XX/XX/XXXX : I had not received a confirmation of receipt of my email or any other contact from Incomm. I called Incomm at XXXX and asked them to confirm that they had received the requested documents from me that I had emailed already on XX/XX/XXXX. The representative said they could not provide confirmation that the documents were received. 
On XX/XX/XXXX : I received an email from Incomm requesting the documents for my case. As stated, I had already emailed the documents on XX/XX/XXXX. 
On XX/XX/XXXX : I resent the documents to the provided email address from Incomm and asked that they respond to the email, so I could confirm that they were receiving them. 
On XX/XX/XXXX : I resent the documents to the provided email address from Incomm and asked that they respond to the email, so I could confirm that they were receiving them. I enabled " read receipt '' of the email and got a notification the email was read. 
No other communication between us happened outside these dates.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00}
Consumer complaint received 2023-07-19
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I have been a victim of Identity theft and this account needs to be removed per federal law that states a consumer reporting agency or data furnisher must remove all accounts involved in Identity theft within 4 days after receiving their Identity theft packet and I will be uploading the whole packet in this complaint this ACCOUNT MUST BE REMOVED NOW!!!!! or this company will be facing a MAJOR LAWSUIT IN FEDERAL COURT IF THIS ACCOUNT IS NOT DELETED BY FRIDAY I WILL BE SENDING LAW SUIT PAPER WORK TO YOUR OFFICE AS WELL AS COLLECTING {$1000.00} PER VIOLATION
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act Account, CBA 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 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB officer, I have contacted both your department & the company ( XXXX  ) this month and I was being confirmed by the company, there had been NO credit reporting late for 30 days. Due to that, my credit went down to XXXX points while I am in the process of refinancing another home. 
Today, I have reported that XX/XX/2023 payment has been recorded late which is clearly NOT the correct case. I have sent screenshot of my credit monitoring page to show that later reported on my credit. 

I therefore am asking you to remove this credit reporting from my credit. Thanks!
Consumer complaint received 2019-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

In XX/XX/2015, I was injured in a work related accident. I was taken to the hospital for treatment. I told the hospital staff that there was a piece of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX area. The hospital staff disagreed, XXXX XXXX XXXX, and sent me home. A week later I returned to have the XXXX XXXX, and again informed them that there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They again disagreed, told me that the XXXX that I could feel was just a XXXX, and refused to further investigate. The following week the XXXX  had significantly diminished, and I was still living in pain from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I returned to the hospital a 3rd time, and they finally took XXXX, and found an 11.5 mm  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They XXXX XXXX XXXX, XXXX XXXX XXXX, and sent me home. The entirety of the treatment was to be covered under workman 's comp. 13 months later I became aware of a debt collection for {$240.00} that originated from the imaging department of the hospital on my credit report. I have called the hospital and the collection agency numerous times and informed them that this was to be paid by workmans comp, and gave them the contact information for my workmans comp   representative. When that failed to garner results, I disputed this debt with the credit reporting agencies numerous times. To date, the debt still remains on my credit report from at least on reporting agency.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-17
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. (NY)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (PA)

My name is XXXX XXXX and on XX/XX/XXXX my relicard account was switched To inactive. Id only been aware of it because I tried ordering food and was declined multiple times. Id been told that due to me changing my address I needed to send in my State ID and a piece of mail that had both my name and address. Thursday of the following week I sent in all the items they needed and was told to give them five business. They also said I could check in sooner because its possible it could be done before that. 5 business days go past and still theres no difference in the account. Ive waited for hrs and Ive talked to multiple different customer service reps and they give me the same answer. Ive been without my funds for 2 weeks now. There should be a better  process to things like this. This is wrong.
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.