davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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. (FL)

My problem is with Equifax. It is over many months that they refuse to correct MULTIPLE items on my report that have significant adverse affect to me for NOTHING that I did. I have 3 separate accounts ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX ) that report me as 60 days past due. It is IMPOSSIBLE. They should only be 30 days and they are CURRENT now. They refuse to delete a collection despite multiple notifications and email from the collection agency to delete the account. They are showing another account ( XXXX ) as having a 60 & 90 day late payment in XXXX when it was IMPOSSIBLE. In addition they are impossible to get on the phone, when you do connect they are rude, dismissive and obviously of no help. Whenever I do try to get a resolve I get a monotone response that it is you must wait 30-45 days. My concern is this could go on for 9 months until it is corrected and at an expense to me. I am being held accountable for NOTHING I did wrong and at a time that I need this to report correctly.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is reporting an unpaid collection account for {$1500.00} on my personal credit report. I contacted them to inquire about the debt and was informed that the charges are somehow related to an apartment rented by my ex-boyfriend, XXXX XXXX XXXX. 

During my conversation with the agent, which would certainly be considered a " communication '' as defined under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692a, I was not given the mini-Miranda as required by the Act. I explained to the agent that I temporarily resided at this apartment with my then boyfriend, but that I had no contractual obligation under the lease. However, the agent refused to accept my dispute for investigation. I then requested validation of the debt ; asking that they provide me with an itemization of the balance being charged and some sort of documentation showing my own contractual liability, such as my signature on the lease. The agent refused to honor my request, told me to call back when I was " ready to pay '' and hung up on me. I've sent a written request for this same validation yet they have continuously refused to provide it, in violation of 15 USC 1692g 809. 

Further, their refusal to adequately investigate my dispute, while continuing to adversely report it to the credit reporting agencies, is a blatant violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and its subsequent amendment, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ). Under these Acts, I have the right to dispute inaccurate information and the data furnisher has an obligation to investigate that dispute. Inaccurate or unverifiable information must be corrected or deleted by the furnisher. XXXX XXXX XXXX continues to refuse me these rights as required by law. 

This is not my debt. This apartment was rented strictly in the name of my ex-boyfriend, XXXX XXXX XXXX. I never signed any lease for this apartment and have no contractual obligation for this debt if it is even legitimately owed ; which still has yet to be determined. 

My attempts to correct XXXX XXXX 's records and restore my credit with regard to this item have been in vain. Research on this collection agency shows that they are not an active member of XXXX XXXX, nor an accredited business with the XXXX, and that their standard XXXX  complaint responses are both dismissive and uncooperative ... so I guess my failed attempts are not surprising. I have also attempted to remedy the situation by filing indirect disputes directly with the credit reporting agencies, themselves. However, XXXX XXXX continues to verify the information as accurately reported without conducting a proper investigation. 

My hope is that the CFPB can assist in getting this resolved before I'm forced to engage legal counsel and pursue this matter through litigation.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I have asked the credit reporting agency to verify this bankruptcy and to give me the name of the representative at the court. This bankruptcy should've BEEN OFF my report. Experian is the only one showing this information
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

Dear To Whom It May Concern, On XX/XX/XXXX, I have contacted Discover about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their XXXX XXXX/online charges. When I notified Discover they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.
Consumer complaint received 2021-09-22
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: Thaxton Investment Corporation (GA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2020-12-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harpeth Financial Services, LLC (ID)

Notification was given to me through legal affiliation that I was being notified by a local attorney and debt collector of a debt owed to an online lamp company in the amount of XXXX dollars for a XXXX dollar loan. 
A response was sent in the form of a validation of debt request in my behalf. 22 days later a response was sent back with a generic arbitration outline, a generic statement of charges and a letter from the representative stating the debt " appears '' to be valid and that " I should contact '' thier office and they would continue to pursue collection actions which " could include legal actions. '' The requirements of the FDCPA and FCRA minimums were not met as per the FDCPA. 
No contract with a wet ink signature provided, generic statements with no banking information provided. 
Further validation with valid information must be provided.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (IN)

THESE COMPANIES WILL NOT UPDATE THAT THE ACCOUNTS WERE COVERED UNDER A CHAPTER XXXX BANKRUPTCY THAT THEY DID NOT FILE A CLAIM TOO AND NOW THEY WANT TO CONTINUE TO HOLD ME HOSTAGE BECAUSE THEY FAILED TO RESPOND TO THE BANKRUPTCY COURT IN A TIMELY MANNER CREDANCE RESOURCE MANAGEMENT FOR XXXX XXXX Original creditor : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX THESE ACCOUNTS WERE COVERED IN MY BANKRUPTCY PLEASE REMOVE THEM FROM ALL 3 CREDIT REPORTING FILES
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I have 3 accounts through Comenity bank - Wayfair, XXXX and Victorias Secret. I have contacted Comenity Bank on multiple occasions to release the cease and desist order on my accounts, after having to seek an attorney for prior issues with this company. I have sent them a written, mailed letter AND I have sent a letter via the message portal through my account login. Every time I call back to verify the letters were received, no one can locate them. I need to arrange a hardship payment plan due to COVID 19. Comenity Bank is now preventing me from bringing my account current all because they do not have an effective method of receiving items they ask for. Please pull all the calls associated with this request and you will see that Ive been calling for months now. RIDICULOUS!
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

Selene Finance LP Payments are submitted timely, at least 5 business days before the 1st of the following month 's due date. Records are not adjusted accordingly, therefore, late payment fees are incurred. Endless hours are spent on the telephone and the mortgage service company does not correct the records. Increase ( s ) in the escrow fees are not mailed, so the payment amounts are not sent properly by me.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MA)

On XX/XX/2021, I contracted with Western Union Financial Service to send money to my sister-in-law in XXXX. In our contract, it was agreed that I would pay {$4900.00}, plus a {$2.00} fee, to have XXXX XXXX reals deposited into my sister-in-law 's bank account. I paid the money. My Tracking # ( MTCN ) was XXXX XXXX XXXX. But Western Union only deposited XXXX XXXX reals into my recipient 's account. The transaction was deficient XXXX XXXX  reals. I contacted Western Union 's customer service to have this rectified, but was only told XXXX ) transfer rates are subject to fluctuation and/or XXXX ) it must have been taxes taken out by the recipient bank. I feel as though Western Union refuses to actually trace the transaction and actually SEE what was indeed deposited. The deficient amount was XXXX XXXX reals, which is approximately over XXXX % of the total transaction. This is WAY too much to be explained away by simple market rate fluctuation. As well, the recipient bank says nothing was deducted for taxes at the time of deposit, that is not how taxes are paid in XXXX ( they are paid later at the end of the year in a tax return. ) The bank says they deposit exactly the amount that Western Union sent. My spouse had the EXACT same issue on the EXACT same day. Western Union was able to look into her problem and determine that an error had occurred on their end and issued a partial refund for the deficient amount that was not sent by Western Union. My spouse 's issue with Western Union that Western Union successfully resolved was Western Union incident number XXXX. I am enclosing screen shots of our contract and what was actually deposited. The amount deficient is WAY MORE than any XXXX  % tax that Western Union previously alleged.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (AE)

We are a military family XXXX. We purchased a home in XXXX XXXX XXXX in 2006. 3 years later we were sent XXXX. We could n't sell the home because the value had depreciated. We rented out for a few years, but after finding we would not be able to return to XXXX XXXX we began the short sale process. We have stayed current with our payments but our home has been vacant for a year. We 've used up all of our savings and are struggling to make ends meet. We currently have an investor who has made a reasonable offer on our home. We have XXXX lenders servicing our loan, unfortunately, XXXX of them, 21st Mortgage continues to increase the amount they 're willing to accept from the short sale. A couple of months ago we presented an offer to XXXX for the amount they asked for. We just spoke to a representative from the company and were told the lender increased the amount they 're willing to accept by more than half of what was previously asked. Letting the home go on foreclosure is not possible because of our status in the military. At this point we do not know how to proceed.
Consumer complaint received 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Good Morning, Here is the story of where I am now with Carrington Mortgage and why I am submitting a complaint. 

I was granted a 3 month forbearance period which started on XXXX XXXX with Carrington mortgage due to the Corona Virus. I was notified of this decision by mail with a letter dated XX/XX/20. This letter stated that " you will not be required to make a monthly payment for 3 consecutive months ''. It all also stated " By accepting this forbearance plan, you are affirming that you have been personally impacted by the Covid 19 '' and " Acceptance of this plan is defined by not making payments during the forbearance period ''. 

I received a second letter dated XX/XX/20 telling me I needed to submit some financial documents by no later than XX/XX/20 to Carrington to see what type of repayment plan they can offer me. I faxed over all the required documents on XX/XX/20. They confirmed receipt of the paperwork by sending me a letter dated XX/XX/20. 

I called them today, XX/XX/20, to see if I could set up some payments to get caught up on my account and they are telling me that they will not accept anything but the past due amount paid in full. How do they expect me to have 3 months of payments when I am really just getting back to a full time work day due to the Covid-19? 

After being transferred 4 times I finally got a Carrington Mortgage supervisor on the phone and he wants me to resubmit all my paperwork on XX/XX/20 so they can re-evaluate the application. He said that since I submitted an application for mortgage assistance that it cancels the forbearance plan putting my mortgage 3 months behind even though Carrington requested the documents. 

I also spoke to a housing counselor who told me that this is happening all across America. Please don't let these banks ruin America. It time for the little guy to win one. 

P.S. I do have copies of all the correspondence between Carrington and myself if needed. 

Hoping for help
Consumer complaint received 2020-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

Company promised to defer my payments for 180 days ( I have the call recorded ) with no negative impact on my credit, and that they would just move the payments to the end of the loan, I was able to make a payment anyway, but they put my account in " loss mitigation status '' without my consent this is going to ruin my credit and is not what we they promised or what they are required to do as directed by HUD and the federal government.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

In XX/XX/2022, while on XXXX XXXX with the XXXX  XXXX XXXX XXXX, I applied for and was approved for, the American Express Platinum Card. While still on XXXX XXXX American Express charged the {$690.00} annual fee to my account. I immediately contacted American Express and and requested it be removed pursuant to the MLA. They denied it. I have since contacted them XXXX more times and asked for the fee to be removed. They continue to claim they checked the MLA database. However, they have not provided the MLA database report from XX/XX/2022 that is generated when a service member 's name is searched. Now, I am no longer on XXXX XXXX. However, when I applied for the card, was approved for the card and was charged the {$690.00} fee, I was on XXXX XXXX. The MLA applies at the time the credit is applied for. My XXXX XXXX status at the time I applied for and was approved for the card was greater than 30 days thus triggering the MLA. I hereby demand AMERICAN EXPRESS provide me the Department of Defense Manpower Data Center Status Report that would have been generated in XX/XX/2022 if the search was conducted.
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I did a credit application with Fifth third bank. They denied me credit which is impossible when credit is a right. 

EQUAL CREDIT OPPORTUNITY ACT Title 15 U.S. Code 1691a - Definitions ; rules of construction The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.

I am demanding an audit trail of the credit application & all documentary evidence with my name and social security number on it, On the public and private side.
Consumer complaint received 2019-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I received a payment from a company I work with and it was sent to the email address associated with my paypal account. Before that I tried to send money from my bank account to another paypal account, a feature that is provided by PayPal, but the payment was declined after 7 days and that same day paypal limited my account which means I couldn't buy, send or transfer money with my account. When I contacted paypal, the asked me to verify my information which I did and I was old to wait 2 business days before I could access my account again. Less than 24 hours later I received an email, from Paypal saying my account was closed and I will only be able to receive my hard earned {$50000.00} after 180 days. 
Paypal has no legal right to hold customer funds for more than 10 days, paypal is abusing its customer, more specifically its sellers and there ; s nothing we can do. 
I don't care if Paypal closes my account, I just want to be able to withdraw my money and so I don't have to ever deal with a such shady company.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (MA)

I see no changes for the last account that I've filed last month. I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, my Bank of America debit card was compromised and used to commit fraud in a series of three transactions. Within a matter of hours, there was a fraudulent ATM withdrawal equal to {$1000.00}, and there were two other fraudulent purchases in the amounts of {$300.00} and {$550.00}. All fraudulent transactions occurred in XXXX CA. BofA sent me a fraud alert and reissued me a new card. I then submitted a fraud claim with BofA for the 3 transactions. BofA has since denied all of my claims without providing any sort of documentation or reasonable explanation. It has been almost two months and I have been out {$2000.00} during this entire time. This has created a significant financial hardship for me as I am currently unemployed due to COVID-19. I have contacted BofA multiple times and they have been extremely UNHELPFUL. Please note that I was not even in the state of CA when these fraudulent transactions were completed. I was in NV on vacation. I dont know what else to do. Can you PLEASE HELP ME? I strongly believe that BofA is acting in bad faith by not providing any transparency regarding my claims and by not allowing any sort of due process or recourse to me as a customer. I believe there actions equate to A MISAPPROPRIATION OF FUNDS and they have be held ACCOUNTABLE. 

My name is XXXX and I can be reached at XXXX. I hope to be contacted soon. 
Thank you in advance. 
XXXX
Consumer complaint received 2020-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

I no longer want my Chime account. If they will close the account asap! 

I read local news article about hackers getting into Chime accounts and Chime did little to help recover funds for Chime customers. 

Chime seemed like a nice bank or alternative years ago. I just don't find their bank useful to me anymore. 

Maybe one day they will improve services. It is currently hard to reach customer service by phone or email so have no objection that once Chime receives this complaint that they may close account.