davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

We signed on a mortgage with two other people. We never intended to live in the home. 
They could not qualify for the mortgage alone. agreed to sign with the and at first the mortgage was paid on time and everything was good. Then we learned that the mortgage was behind and facing foreclosure. We were able to modify the loan and take the two people off of the loan that lived in the home and we thought we would have been able to come off of the loan and the home would be in their name only. 
That they could and would be able to own the home with our names off of the mortgage. 
Well, that did not happen. they separated and finally divorced. After as i mentioned before we were able to modify the loan, we did not live in the home. We had an attorney and a real estate broker who came to us and convinced us to let them manage the property and collect the rent, they even selected the tenant and collected the rent. 
They were supposed to make the mortgage payments. They took all of the rent money {$48000.00}. that they claimed they did not collect. 
They would not give us possession of the property, we found got possession and now I am living in the home with my XXXX children. I am working and can afford to make the mortgage payments. All that I am asking is that the bank would work with me and give a chance to save the house. I am able to making a sizable good faith down payment if necessary.I ask that Chase would give me XXXX XXXX a chance to save the home and do what is right by making my payments for the home I now live in. Please help me and my children. At this point I never had a real chance to work with Chase. 
Thank You
Consumer complaint received 2017-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

Coinbase Inc.    XXXX  Every time the  XXXX  market price dips the Coinbase systems shuts down buying and selling of the currency. It makes it impossible for investors remain in control of their investment and ties our hands. It happens EVERY TIME the price changes and is not available for HOURS. Investors are at the mercy of the market and can only watch the price spike or plummet and have no control of our investment.
Consumer complaint received 2019-01-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC. (CA)

RE : PREDATORY LENDING COMPLAINT To Whom It May Concern : I am writing to file a complaint against ECMC because of their predatory lending practices. I mailed out two certified letters, the first letter was a debt validation letter via cert number : XXXX XXXX XXXX XXXX XXXX and the second letter titled Notice of Estoppel via cert number : XXXX XXXX XXXX XXXX XXXX. ( Please see attachments A & B ). I  started my credit restoration with a Certified Credit Counselor in XX/XX/2018, come to find out that I have a total of 6 collection agencies trying to collect on the same school loan from XXXX XXXX. Out of ignorance, I was forced to make payments to one agency titled XXXX XXXX that collected from my weekly paycheck. This withdraw from my paycheck has caused me a real hardship, having no choice to make payments or I couldnt stay employed. I too mailed out a debt validation letter via mail cert : XXXX XXXX XXXX XXXX XXXX to XXXX XXXX and the second letter titled Notice of Estoppel via cert # XXXX XXXX XXXX XXXX XXXX ; they finally stopped collecting after my second letter of almost 5 months of paid payments collecting {$1100.00} ( See Attachment C and D ). I went through the proper channels by asking Human Resources to provide me the Order for payments. You will see that ECMC is mentioned  within the order from XXXX XXXX, ( See Attachment E ). It clearly states that XXXX XXXX is the assistant company to collect on the debt for ECMC with a new loan number. ECMC created TWO loan numbers, trying to collect on two payments on ONE loan owed to XXXX XXXX. It was never announced to me that ECMC and XXXX XXXX are working as a brother company collecting on the same debt ; separately. XXXX XXXX is announced as a referred company assisting ECMC to collect debt. ECMC is now announcing the same attempt to collect payments dated XX/XX/XXXX from my paycheck ; without answering any of my  questions or concerns from my letter ( s ) ( See Attachment F ). Since ECMC can not produce any information or material to validate that I rightfully owe them the debt, responding back with frivolous letters ( See Attachment G ). They are now maliciously going after my income yet AGAIN but this time under ECMC directly, not mentioning that their referred company XXXX XXXX collected any payments in the past 5 months. Lastly, I mailed copies of all my communication with the creditors ( ECMC and XXXX XXXX to all three credit bureaus. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MI)

I am filing this complaint because DIVERSIFIED ADJUSTMENT have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 54 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2017-06-25
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. (FL)

XXXX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted XXXX regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (TX)

I have sent multiple letters to update my consumer report with no correspondence validating this information. I have received multiple notification that the report have been updated and came back as verified without any documentation. Only the consumer which is I can validate any debt. 
Pursuant 15 usc 1681g Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-27
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report duplicate my closed and paid XXXX XXXX XXXX card account monthly to XXXX, Experian and XXXX and XXXX XXXX. XXXX XXXX and XXXX XXXX 
This is an on going issue because the accounts keeps being reported fraudulently. It's bring reported more than once aka duplicated which hinders a fair Chance of increase fico score and financial help from financial institutions and creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is definitely a negative portrayal to be trusted for financial loans and or credit to start a possible business or get a loan to go to XXXX  school. These practice hurt and keeps the scores from ever going up. It just keeps fico scores deductimg every month.
Consumer complaint received 2017-06-25
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: U.S. BANCORP (WI)

Dear Elan Financial, I just discovered even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.
Consumer complaint received 2018-05-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc (TX)

When i contacted the company to make the payment of {$130.00} which states on all three bureau that amount, i was told it would be {$440.00} or renew loan. I wasnt able to do {$440.00}. My understating is that amount shown was that of previous settlemeant .i didnt make payments nor reset for s new loan wasnt sure what to do.
Consumer complaint received 2023-07-19
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: Prosper Marketplace, Inc. (FL)

Prosper Credit. I had a Prosper Credit Card. Admittedly, the account went late by a couple months. However, they closed the account and locked me out of their system. I tried to make payments four different times by phone. They claimed they couldn't find me in their system without my account number. The account was closed in XXXX. It is now XXXX and I have tried unsuccessfully to make a payment every month since XXXX. They would not or could not allow me to make a payment. Their collection people called me today and asked if I'd like to make a payment over the phone... with 4 months of late fees and over limit charges added on ... .as well as continuous negative reporting on my credit report. I'm furious that this is allowed to exist. They should be fined into oblivion. My credit is RUINED because of their inability to funcion
Consumer complaint received 2022-01-27
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: EQUIFAX, INC. (NY)

XXXX Bank XXXX XXXX XXXX XXXXnd XXXX XXXX XXXX XXXX XXXX  ) continues to report duplicate my closed and paid XXXX XXXX XXXX card account monthly to XXXX, XXXX and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This is an on going issue because the accounts keeps being reported fraudulently. It's bring reported more than once aka duplicated which hinders a fair Chance of increase fico score and financial help from financial institutions and creditors. As a woman of XXXX and over 5o this is definitely a negative portrayal to be trusted for financial loans and or credit to start a possible business or get a loan to go to law school. These practice hurt and keeps the scores from ever going up. It just keeps fico scores deductimg every month.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AL)

Dear Sir Ma'am Enclosed you will find the requested legible copy of my check that was paid to Synchrony Bank Conn 's account for my CONNS Furniture account which was Paid in Full. The check that you received to pay this account off had my wife name on it in the payoff amount of {$1500.00} which was sent from her XXXX XXXX XXXX XXXX account to pay off my CONNs Synchrony Home Account. All of my funds that was paid to my Synchrony Conns account was paid to a Credit Card account issued by Synchrony that never existed or was never opened and used. The card that was sent to me was never taken out of the envelope nor was it never activated. When all other monthly payments were submitted on Synchrony Bank Website to pay on my monthly Synchrony Bank Conn 's account, the funds were going to an account that never was opened or associated. All of the payments were for a CONN 's associated account that never received one made payment from Synchrony Bank. After looking at information on my Credit Report showed that there were monthly payments reported for a 12 months timeline by Synchrony Bank. Each one of the payments were at least the {$80.00} to {$100.00} paid monthly in addition to the separate payment of {$1500.00} check sent from my wife XXXX XXXX XXXX XXXX Checking account. Request that all funds be returned to me. I have also tried to reach out to one of the CEO 's with Synchrony Bank to get this matter resolve. 
Thank you
Consumer complaint received 2019-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MO)

I trying to opt out of XXXX on my online banking because i rarely use it i told the rep to opt out those emails and she refused and refused me to get a supervisor and i told her i want to opt out of XXXX i told her that i NEVER use it and I just don't want any emails about XXXX i want to opt out of these emails which states by law Opt-In Requirements and Permission. The CAN-SPAM Act allows direct marketing email messages to be sent to anyone, without permission, until the recipient explicitly requests that they cease ( opt-out ). Direct marketing email messages may be sent only to recipients who have given their prior consent ( opt-in ).
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WI)

# 1-Date reported XX/XX/XXXX amount is {$8200.00} XXXX XXXX XXXX- Date opened XX/XX/XXXX, date account closed XX/XX/XXXX. This belongs to XXXX XXXX XXXX I divorced him XX/XX/XXXX. I filed filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance. My XXXX  said that is illegal because I filed Bankruptcy. 

# 2-Date reported XX/XX/XXXX amount is {$3400.00} XXXX  XXXX XXXX showing also Derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also belongs to XXXX XXXX XXXX. I divorced him XX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My XXXX said that is illegal because I filed Bankruptcy. 

# 3-Date reported XX/XX/XXXX amount is {$15000.00} Chase Card showing also derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also is belongs to XXXX XXXX XXXX. divorced him XX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My XXXX said that is illegal because I filed Bankruptcy. 

these three credit cards that are reporting a balance illegally on my credit report total = XXXX 

# 4- XXXX XXXX- date reported XX/XX/XXXX, amount {$89.00}, date account opened XX/XX/XXXXI filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My XXXX said that is illegal because I filed Bankruptcy. 

# 5- XXXX XXXX - date account opened XX/XX/XXXX, amount {$170.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My XXXX said that is illegal because I filed Bankruptcy. 

# 6-XXXX XXXX- date account opened XX/XX/XXXX, amount {$100.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My XXXX  said that is illegal because I filed Bankruptcy. 

Please I had to pay a lot of money for a bankruptcy XXXX and paid my dues this is not fair these are illegally reporting on my credit report please help.
Consumer complaint received 2022-09-28
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. (GA)

I am sending again a complaint in regards to the inaccurate and unknown things on my credit report. It has been over many days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please remove these items. Do so, to comply with FCRA which requires all reporting to be 100 % accurate. 
Here are the list of items that needs to be delete in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kashable LLC (MI)

I am filing this complaint because KASHABLE have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2022-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I am currently participating in the cares act covid forbearance. My mortgage company, shellpoint mortgage has denied me the 18-month extension according to the cares act policies. 

shellpoint mortgage did now allow or provide me with the initial 6-months forbearance from the beginning of my cares act covid forbearance according to the policies. 

Additionally i never received my 2nd extension according to the cares act covid forbearance policies. 

I feel shellpoint mortgage has denied me my rights under the cares act by refusing to adhere to the policies for covid forbearance.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have provided Transunion with a dispute letter via certified mail on XX/XX/XXXX involving inquires and inaccuracies on my credit report. The agency has not taken on my dispute, but instead chooses to send me a letter of additional services that they offer as a company postdated XX/XX/XXXX. They also deny that the inaccuracies are present on my credit report, which is a lie. My credit report was reviewed from annualcreditreport.com for TransUnion on XX/XX/XXXX displaying the inaccuracies ; and reviewed again after receiving their notice on XX/XX/XXXX, showing the same inaccuracies they claim to not exist. The initial dispute letter was sent to the address posted on the XXXX website; TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX XXXX, PA XXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.