davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

The United States Treasury Department and other federal agencies established the Home Affordable Modification Program ( henceforth " HAMP '' ) as part of the Making Home Affordable Program as authorized and enable by 12 USC 5201 et seq. The HAMP are incorporated in the terms of the subject contract between parties. The Making Home Affordable, Handbook for Servicers of GSE and Non-GSE Mortgages, 4 2MP Process and the Supplemental Directive 13-05, G. Section 4 of Chapter V, 2MP Process state in relevant part : " When a borrower 's first lien is modified under HAMP ( Tier 1 or Tier 2 ) or a Standard Modification by XX/XX/XXXX. The 2MP servicer must offer to modify or extinguish the corresponding second lien ... .. In addition, if the borrower 's first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrower 's second lien.

On XX/XX/XXXX, I enter into a loan modification agreement, therefore as per the mentioned Treasury Rules, the second lien holder One west Bank was supposed to either offer a loan modification or extinguish the debt. Ones west bank failed to do either and instead sold the loan to XXXX XXXX to enforce the debt.

These actions are in violation of the precedent stipulated Rules set forth as part of the Loss mitigation Resolution by the treasury department. The record reveals that i entered into a loan modification agreement prior to XX/XX/XXXX, and that the lien holder one west bank failed to abide by the Treasury Rules in regards to the debt. At this time debt collector and its affiliates XXXX XXXX, can not enforce a debt that should have been extinguished at this juncture.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

We booked an XXXX XXXX. When we got there the XXXX  XXXX host was not answering and didn't provide us with a code to get in. We finally got them after an hour. It was late we all dried off and went to bed. Next day we were gon na all day. So third day in we noticed a lot of things wrong. I notified host told her the issues she said she fix for next guest. Called XXXX  XXXX they put in for a refund and a safety issue. We left the house but left some of our belongs. My handicapp and young son both couldn't stay in the house. Electrical wires all over yard. Not clean. Infested with bugs. I had sent all this proof to XXXX. Takes them forever to respond. Bottom line is the house was not was she said. Lots of issues. Chime denied my refund after receiving all the info. Not fair I was charged for a play for XXXX days and only stay 2. Then the host leaves a bad review accusing his of stealing. Which was completely untrue and I got her on a conversation lieing about it. Since we asked for a refund our account got closed and no further contact with a XXXX dollar credit on the account. XXXX XXXX is not fair and even they admitted the house was unsafe. Offered to move us out the night before checkout. Before our account was closed we rented a different XXXX. We get a notice at XXXX we r having a party to leave the house right there and then. We were in bed watching tv. I am disgusted with the issue. And now I am out XXXX dollars and I find chime and XXXX  XXXX wrong.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (LA)

1. XX/XX/XXXX, attempted to make a purchase with my debit card with 'XXXX ' for $ XXXX and was declined. Recieved email from XXXX and a battle ensued about the racketeering activity they were conducting. 

2. Filed a complaint with the XXXX  about that transaction.. 

3. Response was slow and still pending with XXXX  against XXXX, so I attempted to make another purchase/transaction on XX/XX/XXXX ; also got rejected and for the same frivolous reasoning. 

4. I contacted my bank, XXXX, and requested explanation and they told me that the Merchant 's processor ( Well Fargo ) took the funds from my acct and held them. 

5. I am leveraging this financial institution 's action to the CFPB for immediate action for this racketeering activity, working in concert with their merchant XXXX to extort funds and as shown in the attached " Dear XXXX '' XXXX sent to me ; XXXX is working with Well Fargo XXXX XXXX to hand deliver cash $ $ when there isn't a problem with my preferred method of payment. 

6. Per the attachment ; XXXX is telling me the justification for this action is my bank, XXXX has declined the funds, which they have not ... Additionally, I have overdraft protection on the acct ... SOOO DOUBLE, XXXX  is a fraud!!
Consumer complaint received 2021-11-18
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (TX)

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 {$420.00} 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 2021-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I received a notification that my credit report had changed on XX/XX/2021. I logged onto XXXX and learned that a collection company called Wakefield & Associates had filed collection items on my credit report. I pulled my reports with XXXX and with XXXX and Wakefield & Associates was on all 3 reports. I placed a dispute on each report on XX/XX/2021, because I was never served any communications prior to them reporting on my credit, which is a protected act in the Fair Debt Collection Practices Act. 

I then called their office on XX/XX/2021 to speak with someone in charge. I was told I would have to leave a voicemail and wait for a return call. As of XX/XX/2021, I have yet to have the company return my phone call. Another violation of the Fair Debt Collection Practices Act. 

I am now searching for an attorney to sue Wakefield & Associates for fraudulently reporting inaccuracies on my credit report ( 2 instances ), no communications ( 2 instances ), not returning my phone call ( 1 instance ), defamation of character ( 2 instances ) and any other violations that may have been violated in both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

In XXXX, during the pandemic and economic downturn, I was unable to pay my auto insurance bill with XXXX, and switched insurance carriers to XXXX. XXXX didn't properly terminate my insurance and continued to bill me. I spoke with the insurance agent and they adjusted the bill accordingly. CCS, the collection company that was assigned to this debt, didn't give me adequate time to properly dispute the debt on my credit report. Even after I was employed and payment was made, they reported it to the credit bureaus by violating the FCRA 's 30 day debt dispute window. The amounts were reported to all bureaus as of XX/XX/XXXX, ignoring my requests. 

They did not consider the COVID lockdowns, Cares Act reporting requirements by not reporting this instance, or reporting it as paid until the Cares Act expired. I have contacted the company several times to try and resolve the matter to no avail. 

In XXXX, even after I was able to pay off the balance in full, they still will not acknowledge the past violations of the Cares Act and FCRA 30 day debt validation window and will not remove the item from my credit reports. This is causing financial harm and I am unable to find good rates on mortgages and other loans.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HEARTLAND PAYMENT SYSTEMS INC (NM)

I consolidated my student loans in the Fall of 2017. I had been in default on my student loans for over 14 years, and none of them reflected on my credit report. After consolidation all but one of the Department of Education servicers correctly reported my status to the CRA 's. For unknown reasons Heartland Educational Computer Systems Inc. ( ECSI ) incorrectly listed the loans as delinquent for 3 years ( XXXX ). I disputed the information with all three credit agencies and Heartland ECSI did not retract the ineligible information. I've contacted Heartland ECSI repeatedly and they acknowledge the data is incorrect and advised that a " Supervisor '' will contact me at a later date. No one from Heartland ECSI has ever attempted to contact me. At this point the negative reporting is preventing my credit rating from rising to the Prime rate. I'm currently a XXXX  in the XXXX XXXX here at my University. This may inhibit prospective employers from hiring me. I would rather not file a complaint, but I don't see any other alternative to correct the problem.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (NY)

I was contacted by Credit Karma fraud prevention on XXXX XXXX indicating unusual activity on my card. It was disheartening and troublesome to hear this report. After Confirming with them it was not me and not having possession of my debit card, they blocked the card to further prevent fraud and use. I received text notifications of multiple attempts being made in different amounts which was outrageous. It was clear then my card was lost/stolen and someone evil gained access to it. We can not locate itanywhere! It appears however there were a bunch of little charges and a large one amounting {$1900.00} which hit my account from XXXX knows who or where! I was unable to open a dispute that day and was told I had to wait for them to settle or drop off. On XX/XX/2024 I called Credit Karma to initiate a dispute ( dispute ID XXXX ) after noticing the charges settled and removed from my account. On XX/XX/2024 Credit Karma contacted me for more info such as when my card went missing and what was the last transaction I made. I provided them this information to the best of my knowledge however Credit Karma neglected the facts, fraudulent charges, declined attempts by these terrible people. Credit Karma closed-denied my dispute and brought trouble to my life of XXXX. I don't use this card for anything and the only transactions was my deposits. Requested Credit Karma reopen this matter and properly conduct a thorough investigation and they'll see that this is clearly fraud and unauthorized transactions! I am protected against things like this per Reg XXXX and they shouldn't neglect this. I don't make much money and this is hard to swallow. I am seeking help please regarding this matter, this is very much wrong.
Consumer complaint received 2021-11-18
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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

Fed Loan Servicing is the worst loan provider imaginable. Every year we are required to resubmit repayment plans but every attempt is cumbersome and the forms are not easy to find or are convoluted. If they don't feel like talking to you they will just hang up, leaving you feeling hopeless ; if you don't get the papers filled out in time, your whole repayment can be thrown off, not counted, cause a credit score drop, or be put into collections. 
You can wait on the phone for hours ( you can select an option to have them call you back but they never do ) and they never respond to any other form of contact. 
XXXXvoid Fed Loan Servicing at all costs! Every one of the agents are incompetent and do not deserve your time.
Consumer complaint received 2021-08-24
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the lists of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2022-03-25
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. (GA)

I have lived in XXXX al of my life and i have never filed bankruptcy. I believe someone else has been using my information. I have used my credit before but no one ever told me i had a bankruptcy until recently. i have included the accounts in this complaint i also will list the fraudulent addresses that are listed on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-08-24
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. (TX)

In XX/XX/2021 XXXX XXXX reported I was 30 days late on my credit card. I spoke with the bank who acknowledged they were experiencing systems issues, but assured me they would immediately address my complaint, the bank rep also advised my to dispute the late payments through the credit reporting agencies. I called Transunion, XXXX, and XXXX. They all conducted and investigation and all determined there was an error in reporting the late payment. All three agencies undated my report and removed the late payment. 

Transunion then began reporting the late payment again after it had already been updated and removed. I called Transunion to inform them that inaccurate late payment had returned to my credit, the representative stated I had to submit another complaint, I asked to speak with a supervisor, and was transferred to Mr. XXXX XXXX who identified himself as a supervisor for Transunion. Mr. XXXX  acknowledged the late payment was once removed and Transunion could not control the bank making the same mistake over again. I advised Mr. XXXX it was not appropriate to report inaccurate information on my credit and their investigation concluded the late payment was not accurate. I informed Mr. XXXX I would escalate the complaint to the CFPB, he showed no concern and advised me by stating " do what you have to do ''
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CT)

I HAVE ACCOUNTS WITH DEBT IN MY NAME THAT I HAVE NO KNOWLEDGE OF WHICH I REPORTED MUTIPLE TIMES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX IN THE AMOUNT OF XXXX {$12.00} XXXX XXXX XXXX XXXX IN THE AMOUNT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTEMENT OF EDXXXX XXXX XXXX
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Trans Union, and XXXX credit reporting bureaus incorrectly reported US of The Treasury Account as Delinquent. When XXXX Reinvestigation results shows Not Currently Reporting.
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a second complaint against this bank. previous XXXX OnXX/XX/XXXXI sent a check to Bank of America at their XXXX Post office box for XXXX for myXX/XX/XXXXmortgage payment with a note attached that said " do not deposit this if you have already drafted my payment '' as they usually do. I was concerned they would charge me with another late charge of {$40.00}. Well they did draft {$830.00} on XX/XX/XXXXWhen I called customer service they said that check recipients do not read anything attached to a check. They just deposit it. To get my overpayment back I was told I would have to send a copy of my bank statement to verify the check was paid. I complained that I do my banking on line and do not receive bank statements. I'm XXXX years old and do not have time for this nonsense and need my money back to pay other bills.
Consumer complaint received 2021-11-18
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. (NY)

XXXX, XXXX XXXX, and Experian credit reporting bureaus incorrectly reported US of The Treasury Account as Delinquent. When XXXX Reinvestigation results shows Not Currently Reporting.
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

I have been trying to withdraw funds from my Coinbase.com account ( Cryptocurrency ), for the past month. Currently, my Litecoin, Bitcoin, and Ethereum Classic are sitting in my Coinbase vault accounts. In order to transfer the cryptocurrency from my vaults to regular wallets, I need to approve the transfer of funds from a secondary email/phone number which are both no longer active. Because I don't have access to my vault 's secondary email or phone number, I can not approve the transfer to my regular wallet or approve the withdrawal of funds to my bank account. I have tried contacting Coinbase via email and phone, and have not had my issue resolved. They told me they could manually transfer the funds from my vault to my regular wallet and then delete the old vaults. This would allow me to withdraw my funds. They had me authenticate my account, but I have not heard anything since. The company continues to say they are working on the case, but I have not had any resolution or update. 

I have contacted them via phone on XX/XX/XXXX XXXX. 

I have contacted them via email on multiple dates, they have not responded : The latest contact was XX/XX/XXXX. 
The original date of contact was XX/XX/XXXX.
Consumer complaint received 2021-11-18
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: National Credit Systems,Inc. (GA)

The Preserve at XXXX XXXX was filled with rodents. Apartments was filled with infestation of nets, rats, and trash. This property also been on the Televison News station viewed on air publicly for these rodent problems. 
It was reported the whole short period of time, in the beginning and end of 3 months span. Maintenance never fixed any issues This needs to be deleted and removed from my credit report immediately due to the inaccurate reporting.
Consumer complaint received 2015-11-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (LA)

I am a cosigner on a private student loan for my daughter attending a XXXX university. In XXXX of XXXX, I was sent a letter notifying us that the loan was fixing to go in default because my daughter graduated in XXXX XXXX from the university. Payments for the loan was to begin in XXXX XXXX. A billing statement was received with the loan with monthly notes at {$410.00} at 10 % interest for {$25000.00}. My daughter and I both contacted the loan institution to see if refinancing was a possibility in lowering the monthly payments for her since she did not have a full time job as yet. Since XXXX of XXXX, my financial picture had significantly changed. My job required me to relocate XXXX hours away from my permanent residence resulting in purchasing temporary housing, added expense in gas and expenses to live away from home. We applied for financial hardship and payment assistance through the loan institution where they asked for additional documentation that we collected and faxed to them more than once in the timeframe requested.. We were denied the assistance. It was difficult in contacting the person in charge of our account and now the balance is increasing. I can afford to pay XXXX half of the payment amount that is required. My credit rating is reduced because the institution refuse to negotiate the monthly payments until our financial situation becomes better. My daughter attended XXXX University in XXXX, Texas.