davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I just recently divorced. Me and my ex husband both has credit cards with USAA. One card ( XXXX XXXX ) I'm the primary holder, the other card ( XXXX XXXX ) my ex husband as the primary holder, we both added other into the account for convenience during the marriage. I was not sure what term we added each other " joint holder '' or " authorized user ''. Now that we are divorced. We would like to get each other 's name off the cards but was told by USAA we are not allowed to do so. I requested to see any papers that shows we both signed if we were " joint holder '' or " co-signer '' as I know for both of us to be equally responsible for the cards we should at least signed something. But they couldn't provide such documents. I contacted them multiple times. I was told to get a call back never did.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

Me and my lender not able to pull the credit report since XX/XX/XXXX. We have closing of primary home for which Credit report is needed. I have been calling Equifax customer care and XXXX  consumer affairs since XXXX weeks. Also provided supporting documentation by Mail on XX/XX/XXXX and by fax on XX/XX/XXXX. After calling number of times every day there is no update from them. They say Credit file is missing and are not able to trace or restore it. A Master Case number was created to track the issue : XXXX. Could you please help in reaching Equifax and getting a resolution as this is delaying primary residence purchase.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TN)

I am writing again in hopes you can keep a hard-working single mother and her son in their home. I have been battling to keep afloat and a house above our heads for some very stressful, heartbreaking months. I submitted a claim to you before and yet again, Ditech is not doing what they should. 
I am a XXXX, and like I said already, single mother in a situation I am trying desperately to work out of. We got behind on our mortgage, due in large part to a predatory loan and fees that were added but never really explained to me. I was switched between one agent and another, and thought I was finally getting ahead because my file for a modification was in review. 
But when I called most recently to check in with Ditech, I found out my house is still in foreclosure! I am very clear on the fact that they can not have me in active foreclosure and in active review, which is in violation of the dual-tracking law.
Consumer complaint received 2023-02-24
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. (GA)

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. 
Accounts are XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX  ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX US DEPT OF EDUCATIONXXXX 1 OF 2 DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX 2 OF 2 DEPT OF EDUCATIONXXXXOPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Consumer complaint received 2022-05-02
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)

On XX/XX/2022 i've disputed erroneous information on my credit report with Experian. 
They refuse to investigate the matter. 
Account : XXXX XXXX XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the payment history is innacurate, the date last active is inaccurate, and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I have submitted a claim regarding Wells Fargo Mortgage department, committing many illegal acts on behalf of my mortgage. Including the fact they are acting illegally regarding dual tracking on my mortgage. Wells Fargo was in the process of a modification on my loan at the same time they are trying to foreclose on my mortgage. I was assured by Wells Fargo 's presidential office that rental/ contributor income could be used. Then was denied a repayment/ modification being told the opposite.

Wells Fargo has continuously lost documents including my quit claim sent to them a number of times, delaying and causing me to have a decision on a modification postponed numerous times over the past few years. Modification trial payments were made and all documents were sent in again and again and again upon request from Wells Fargo because they continued to lose documents. Wells Fargo sent me final documents with wrong information on the documents and did not follow guidelines per the quit claim. Wells Fargo assured me they would resend corrected document. I never received corrected documents. Wells Fargo has escalated to foreclosure on my mortgage.

I am able to catch up my mortgage in a reasonable repayment modification to keep my home of which I have lived in for the past 10 years with my small children. Falling behind only due to major unexpected XXXX. I am currently back to work full time. I have tried many attempts to make payments Wells Fargo refuses to take.
Consumer complaint received 2019-09-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (RI)

It all started with emails. XX/XX/XXXX I asked XXXX XXXX from XXXX Nissan south if there are ever incentives to turn in a lease to then buy a used car. I told him right off the bat that I need to get either my payments, gas, or insurance cheaper because our dog with XXXX has increased our bills significantly. I went into XXXX Nissan XXXX on XX/XX/XXXX to discuss in person with XXXX about my options. I still had 4 lease payments due for my XXXX XXXX XXXX lease. I asked him about purchasing a used XXXX and he informed me that if I did that, the remaining lease payments would not be paid for the XXXX and that my best option is to lease a new XXXX. We went back on forth on price quite a bit, me having to constantly remind him of the whole reason Im turning the XXXX in early ( too much dog debt ). We finally agreed on a price and eventually I signed for the new lease and I thought that was it. I clearly asked XXXX if my XXXX is now all set and remaining payments waived. He said yes, 2 are waived by Nissan itself and 2 are being covered bu XXXX Nissan XXXX. A week or so later I received my {$700.00} check for 2 payments on my XXXX. Paid that and assumed its over. Fast forward to XXXX and when I go online to check out my excise ( property ) tax bill for last year I see there are still 2 remaining payments due on my account! And even worse, after 2 months, the XXXX had not even been grounded, making me responsible for it still!!!! I would have owed over {$21000.00} for a car that is no longer in my possession. The lady I spoke with at corporate was very concerned and suggested I IMMEDIATELY get XXXX Nissan XXXX to ground the Pathfinder and release my liability. The next day after speaking with XXXX via text I then received a copy of the grounding statement from the finance guy. XXXX had also told me that the XXXX will be all set and i wont be held accountable. Well thats great its grounded but he never took off the remaining 2 payments!! I NEVER would have turned in my lease early if I still would have owed payments. Someone coming into a car dealership nearly crying that the bills are too high and I need to lower them would never agree to {$700.00} extra. I was absolutely take advantage of, and feel like XXXX Nissan XXXX is giving me the runaround for something that should never have been a problem and should not have been my burden to bear in the first place.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MO)

I reported a Fraud transactions to Chase Credit Card Conmpany on XX/XX/XXXX to XXXX XXXX XXXX, but Chase credit card company refused to get my credit back.
Consumer complaint received 2018-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (AZ)

I recieved a bill from a debt collector XXXX XXXX on XXXX XX/XX/XXXX for a emergency standing room visit on XX/XX/XXXX stating I owed XXXX past due at that time for services rendered. What they don't state is my insurance paid for said visit our obligation was a XXXX co pay which was paid at that time ... I sent certified mail stating this and requested a actual statement from XXXX XXXX stating actual charges..They sent a in house statement from their company.My concern is this is Medical Fraud .How did they obtain my info and why was I not notified prior to the Debt collector contacting me.Account number per XXXX XXXX XXXX XXXX   is XXXX
Consumer complaint received 2018-03-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

XX/XX/2017 I spoke to a representative and told the person them that this bill was inaccurate because their was a second insurane that should have been filed at the time of the visit and the man who i spoke to begin to tell me that i need to be responsible and pay my bills i told the rep that i was not going to go back and forth he then begin to make a threat to me and say that he was going to have it placed on my credit report because that would be the next step my concern is that it was placed due to threats this problem have causes a significant drop in my credit score. I will like for this to be resolved and removed off my credit report
Consumer complaint received 2020-09-18
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: ENCORE CAPITAL GROUP INC. (PA)

I have an account that was with XXXX and sold to Midland credit. I filed for bankruptcy chapter XXXX case # XXXX on XX/XX/20. I filed a dispute through XXXX as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the  information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the Consumer Data Industries guidance in the Credit Reporting Resource Guide or I  will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act. This dispute is for another XXXX account your reporting for a balance of {$3500.00}
Consumer complaint received 2018-02-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I have requested a mortgage modification with my mortgage company XXXX XXXX. 
My hardship is my son was shot though and criminal act in the city of XXXX Tennessee XX/XX/XXXX and he still is under doctor care. My adult son does not have insurance and I'm responsible for his recovery. 
I provided PenneyMac the {$58000.00} hospital bill stating the bill was self pay and it reflects my son was XXXX. The mortgage company is refusing to accept this documentation because my adult son 's address if different from mine. My son name is XXXX XXXX XXXX and he is currently living with me until he is able to take care of himself. My relationship manager is XXXX XXXX has refused to return my call or speak with me regarding the status of my modification request when I call, as of XX/XX/XXXX. I was informed by customer service she has closed my file. 
.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harvard Collections, LLC (GA)

Harvard Collections is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit and noticed this debt reporting. This debt is so old, it should not be reporting. In fact, it is past the credit reporting limit under the FCRA guidelines. This needs to be removed.
Consumer complaint received 2018-02-20
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: EQUIFAX, INC. (FL)

During the hurricane XXXX. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.
Consumer complaint received 2018-02-20
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)

During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Ive sent three letters requesting the removing of XXXX XXXX XXXX  inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX  they would know this account was reported as fraud. 

Also inquires XXXX XXXX and XXXX XXXX XXXX  was placed by a collection agency. When I contacted the collection agency on my account they stated no knowledge of this. 

Please remove them as I have no knowledge.
Consumer complaint received 2019-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I never received a bill and then I got negative reports on my credit that's effecting my credit..I called FED loan servicing and they said the report couldn't be reversed and it wouldn't show on my report because its a fed loan. was told this loan was going to be deleted off my report cause school went bankrupt.
Consumer complaint received 2018-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NY)

My complaint is with Statebridge, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ( Their phone number is XXXX ) I originally had my mortgage with XXXX and it was transferred to Statebridge over a year ago. 

The amount I am supposed to pay monthly ( Fixed interest rate ) is XXXX per a modified loan agreement that was signed about 4 or 5 years ago. However they are billing me for XXXX per month. 

When I called up to get more information I was told this was for insurance and property taxes. 

I live in a coop in XXXX XXXX XXXXXXXX. I pay insurance for the inside of my apartment through XXXX XXXX. Also the management agent for the coop pays insurance for the outside of my apartment. As for property taxes the management agent also pays my share of property taxes. ( There is not an individual tax bill for my apartment but rather a tax bill for all the apartments in the co-op and the management agent pays then bills us for based on the number of shares owned ). So every month when I pay my monthly maintenance charges ( of which I am current ) part of the payment includes property taxes and insurance.

However Statebridge claims they received an individual tax bill for my apartment when XXXX does not give individual tax bills for coops but a total bill for all the apartments in a coop which the managing agent then charges us for based on the number of shares in our apartment. 

Bottom line is I do not wish to be billed by Statebridge for insurance and property taxes when I am either paying for this on my own or through my monthly coop maintenance. Also originally I was a month ahead on my payments when my account was transferred to Statebridge but the extra payment was confiscated by Statebridge for its fictitious property tax and insurance payments on my behalf.. I would like this money ( One month 's mortgage payment ) that was stolen from me to be returned to my account or refunded to me )
Consumer complaint received 2018-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX I have received a total amount of {$1100.00} in Bitcoin ( XXXX BTC ). I sold the Bitcoin which came to an amount of {$1100.00} which was supposed to be wire transferred to my account with XXXX XXXX XXXX  and the funds should have been available on XX/XX/XXXX. The funds were never deposited to my account. 

I have contacted COINBASE a total of 47 times over the phone and email from XX/XX/XXXX up to today XX/XX/XXXX to no avail. They have created the case # XXXX which has been " escalated '' over 3 times, supervisors have added notes to it, so have representatives. No additional answer from COINBASE and it has been over 2 months now.

Additionally I have requested a letter from COINBASE explaining their wire transfer issue so I can show to my bank in attempts to have over 16 overdraft fees in the amount of {$34.00} each reversed. No answer from COINBASE.
Consumer complaint received 2022-05-03
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. (NY)

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 the 3 Credit Bureaus was XX/XX/2022, 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 proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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: I.C. System, Inc. (IN)

IC System Collections has been notified by XXXX, as well as me, on more than XXXX occasion involving account # XXXX from XXXX XXXX  to date of this complaint. Also XXXX XXXX XXXX XXXX has been notified as well. Most recentIy, see XXXX  Dispute Report # XXXX. However, IC Systems & XXXX XXXX XXXX XXXX keep reporting these accounts of {$180.00} & {$1600.00} past due ' to the 3 major credit bureaus. Last date reported was XX/XX/XXXX, XXXX i I have been a victim of identity theft and have no knowledge of these accounts. All of my personal info including drivers license number, ssn, d.o.b., address, phone #, etc has been compromised in at least XXXX major data breaches and has been sold on the dark web. I have already filed an identity theft report with the FTC a few years ago about this. This is not my account!
Consumer complaint received 2021-06-24
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. (OH)

I was going over my credit report today and I found quite a few inaccurate items. My name is XXXX XXXX XXXX my name is not XXXX XXXX XXXX or XXXX XXXX XXXX please delete these two errors in my name. 
I live at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX. Please remove all the following addresses they are not mine : XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

I am writing hoping you can keep a retired man in his home. I have been working with Chase Mortgage to attain a reasonable payment option and get caught up on my mortgage. Yet as my fees continue to stack up, I am being forced to submit the same form over and over. It has been sent to them over a dozen times, and though there are only four lines on the form, it is never acceptable! I have been in this loop of sending over this request for tax returns ( even though they already have copies of my tax returns ) since XXXX!