davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

My USDA mortgage loan is currently serviced by Carrington Mortgage Services ( CMS ). CMS claims that the total amount past due is {$14000.00}. The alleged claim is for 14 payments. CMS alleges that {$3400.00} were transferred in late fees from XXXX. XXXX has advised there were no late fees compiled when the loan was transferred in XX/XX/XXXX. CMS is clearly trying to over collect on the amount due, so they can push the bill to the USDA for payment. I have also applied for a loan modification on numerous occasions and CMS has refused to submit the modification requests for underwriting to the USDA. Since the USDA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the USDA is unaware of the partial claim, they were clearly in the dark on the loan modification process. CMS is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. CMS also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. CMS has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (CA)

I have an Axos Bank account with their Axos Invest product. I never opened the account, but it was created after a previous bank ( XXXX ) was acquired. I immediately disliked Axos 's customer service and responsiveness, so I closed my Axos Invest account by selling off all securities in the account in early XXXX. 

Fast forward to XXXX and receiving tax filing documents. Axos sent me a 1099-Combined that omits the tax basis for the sale of nearly {$17000.00}. This means my tax liability will be much higher than it should. 

They have been completely unresponsive to resolving this issue, and the tax deadline is approaching. 

I have called Axos Bank on the following dates this year to resolve : XXXX XXXX ( x2 ) XXXX XXXX ( x2 ) XXXX XXXXXXXX ( x2 ) -XXXX  XXXX My customer portal interactions with Axos in XXXX have been on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( x2 ) XXXX XXXX See Case # XXXX Every time I message or call, Axos marks the conversation as " closed '' while saying they have no ETA on when they will deliver the cost basis. 

I have 2 friends who used this service and are experiencing the exact same issue. If consumers aren't carefully reading the documents Axos sends them, they will not realize the potentially XXXX XXXXXXXX in incorrect tax liability, especially if using a tax filing website like XXXX. What Axos is doing is criminal.
Consumer complaint received 2022-03-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

We have on numerous occasions submitted modification documents for our home loan number XXXX, XXXX XXXX XXXX XXXX OH XXXX. XXXX is in name XXXX XXXX. Each time we complete what they ask us to send and they keep changing what and where we need to send documents, how we have to send documents. We send the documents by the date they give us and then they change what is required. We keep trying to complete a loan modification with Carrington Mortgage Company but they are not consistent and are giving us the run around on how and where to complete our documentation.
Consumer complaint received 2022-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to TransUnion on XX/XX/2022 about inquiries on my credit report that are not accurate and are not mine. I never received a response and this is causing me to be stressed emotionally and financially. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these inquiries to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to improve my credit and these inquiries are holding my score back.
Consumer complaint received 2022-03-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Forbearance In XXXX of XXXX, I started a forbearance under the CARES ACT since I have a USDA loan and I was not working my full hours due to COVID-19. I was told by the person initiating the forbearance that once it was over the bank would either put the payments at the end of my loan or help us come up with a payment plan to repay the payments missed. The forbearance ended and I made my first payment XXXX of XXXX. I spoke with someone from BB & T trying to get things figured out on how we were to repay. I was told I to make my current payment every month until the bank figured out how I was going to repay the forbearance. I was sent a package in the mail to apply for a forbearance. I called them and told them I didnt need to apply for one we were trying to figure out what we were supposed to do concerning the payments missed. I was told that was the paperwork I needed to fill out. I filled it out and sent it in. I received a letter stating that I forgot to send in one of the pay stubs requested. I found the paystub and sent it in. Some time passed and I received a letter saying my forbearance request was denied. I called again and was told that someone had put it in the computer that I was applying for a forbearance. They said they would fix it and send us out more paperwork to fill out. It was the same paperwork and I was told that I still needed to fill it out so they could figure out what my repayment options were. I filled everything out and sent it in. I got a letter saying that I was missing a paper, even though I filled everything they sent and mailed it to them. I was sent a letter saying they could not verify my income even though I sent in more paystubs. I called again and was sent out the same paperwork. I filled it out, and mailed it to the address they gave me. I received a letter in the mail with a check in the amount of the house payment I had made in XXXX and I called them. I was told they never received my paperwork and they had closed my mortgage account. I asked her what was the address I am suppose to send the paperwork to and she told me she did not know. She then told me I had until XX/XX/XXXX to pay the entire past due payments from the forbearance including fees and interest ( {$10000.00} ) plus an additional {$700.00} to reopen my account and any payments missed since the closing of my account. My payments during the forbearance was about {$560.00}. I have made every payment on time since the forbearance ended with the exception of the payment they returned ( XX/XX/XXXX ) and the one they refused to take ( XX/XX/XXXX ).
Consumer complaint received 2021-09-24
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. (IN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-03-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Two charges for XXXX shipments appeared on our Bank of America  XXXX XXXX statement which we did not authorize ( {$530.00} on XX/XX/XXXX and {$250.00} on XX/XX/XXXX ). We informed Bank of America of the fraud. They removed the charges and cancelled the VISA card. On XX/XX/XXXX they wrote to us saying they did not approve our fraud claim and that they " confirmed the charge was made by an authorized person on the account. '' In phone conversation with B of A we asked that they send us copies of the information that lead them to this conclusion. We never received this information. We wrote them asking them to reopen their investigation. They agreed but denied our claim, giving the same reason.After we reported the fraud, we received a copy of the invoice for one of the shipments. The invoice and the air waybill associated with it showed that the package was picked up in XXXX XXXX, XXXX, signed by someone named XXXX XXXX to XXXX, XXXX. We live in XXXX XXXX, XXXX and know no one named XXXX XXXX nor anyone in XXXX. The invoice has one of our names and address correctly, but the phone number and e-mail address are not ours.We have filed a police report ( XXXX no. XXXX ) of this fraud. We sent all this information to B of A, but they still denied our fraud claim. They have never given us any specific information about their reasons.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-08-17
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: JPMORGAN CHASE & CO. (SC)

XXXX 's client XXXX XXXX is an identity theft victim, his information was used to apply for several credit cards without his consent. Those application resulted in fraudulent inquiries, disputed were sent to those creditors to have those inquires removed however Chase has not removed the inquiry. A recent letter was received by Chase confirming an account ; the account was never in dispute, the fraudulent Chase inquiry was. Chase is now in violation of the FCRA by reporting and verifying fraudulent credit information.
Consumer complaint received 2022-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RentDebt Automated Collections, LLC (GA)

Rent automatic debt LLC saying I have XXXX evictions I owe XXXX XXXX. Same apartment complex XXXX  at XXXX XXXX in XXXX tx with XXXX different account numbers I had a bounced checks and pets don't have checks our pets never could provide documentation with my signature or a copy of the bounced check no point of contact.
Consumer complaint received 2022-03-20
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. (FL)

XXXX, XXXX, and Experian are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes XXXX time status and responding with the correct information
Consumer complaint received 2022-03-20
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. (FL)

XXXX, Transunion, and XXXX are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes tom time status and responding with the correct information
Consumer complaint received 2022-03-20
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: MOHELA (NJ)

MOHELA/Dept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NM)

On XX/XX/2021, I successfully sent XXXX HEX tokens ( valued at ~ {$20000.00} ) to my virtual wallet operated by Coinbase Global , Inc. Upon receiving my funds, I was told by Coinbase that I could not access the funds. Furthermore, Coinbase would not return or refund the tokens. This is clearly fraudulent activity on behalf of Coinbase who knowingly accepts funds for which they will not provide access to, especially when there are simple means to provide returns or refunds.
Consumer complaint received 2022-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (SD)

I have made several purchases with Affirm which acts in a similar way as XXXX, they offer you revolving lines of credit to use at various online retailers. 

I made Affirm aware that a purchase I made via XXXX was from a fraudulent seller and that XXXX cancelled the order. I received an email from Affirm acknowledging the cancelled purchase, and stated I would get a refund. I have never seen the refund. They then flagged my Credit Report for non payment, despite the proof that the order was cancelled and therefore I should not have been charged. That was back before XXXX of XXXX. I have still yet to see the return, despite showing proof from XXXX that the order was refunded to Affirm months ago, and that Affirm confirmed the refund. 

They have reported a second purchase of mine as being 90 days past due to my credit report, despite the fact that has ALSO been paid in full. I have several emails and screenshots and recorded calls between myself and the company showing that I have provided significant proof of emails dating back 6 months ago.
Consumer complaint received 2019-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2400.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently by my ex-wife. I did not give her permission to open this account nor did I authorize this account to be opened. The incorrect reporting of a collection/charge-off an account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2022-08-30
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-20
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. (FL)

For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX  update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.
Consumer complaint received 2022-08-30
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$870.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-20
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (CA)

XX/XX/XXXX I phoned Ally concerning a late payment that was reported on my XXXX Credit Report dated back on XX/XX/XXXX. I was a co-signer on a vehicle for my ex wife. It has now been XXXX XXXX and XXXX XXXX and I called Ally Financial to reference this negative mark on my credit ( it was on all three bureaus but was taken off of XXXX ) when I wrote to Ally Finanical but it was not removed from XXXX. During that phone call with Ally Financial I was told that they had no record of my Name or Social Security number for this. I asked if they had any info and they said they could not find any info. I asked then that it be removed. I was told I need the the Vehicle in question that was bought in XXXX by my ex wife who paid it off and does not have that vehicle or any information on it. My issue is they don't have any information regarding me and the negative mark that was put on my XXXX credit report. I have wrote and phoned Ally Financial. I have the account number and they ran it in there system and said it was incorrect but the account number shows up on my credit report. Can Ally be contacted to fix this issue.
Consumer complaint received 2022-08-30
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$870.00} XXXXXXXX XXXX**Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX**Balance : {$0.00} XXXX Balance : {$0.00} XXXXXXXX XXXX**Balance : {$0.00} XXXX***Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}