davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

Amerisave has negligently failed to correctly calculate and process my loan on several occasions. 

Currently, they failed to calculate and pay my property tax. A {$120.00} balance is past due to XXXX XXXX, VA as of XX/XX/XXXX. An additional {$2000.00} balance is payable in XX/XX/XXXX that Amerisave does not intend to pay. Amerisave 's next payment from my escrow account is planned for XX/XX/XXXX. 

The Amerisave Servicing department says there's nothing they can do, and that I have to contact my loan officer to resolve it. My loan officer, XXXX XXXX, doesn't answer his phone or his email, so I have no recourse if I follow the Amerisave process. 

This is only the most recent error of Amerisave. Previously, 1 ) they failed to underwrite my loan by the closing date and needed me to delay my closing by a week to allow them more time. On the morning of closing, their underwriting team was still sending me initial questions and initial requests for documents. 
2 ) they failed to correctly calculate the cash need to close, erring by {$2200.00}. On my second closing date, Amerisave " updated '' my closing disclosure to reflect that I actually needed an additional {$2200.00} in cash to close that day. 

Amerisave is clearly negligent in their handling of my mortgage and they have no regard for the harm they cause their customers.
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

The main problem I am having is with coinbase. When I first made coinbase back in XXXX, I chose coinbase over other platforms because it didn't require SSN which I don't have since I am an XXXX XXXX in the United States. Ever since XXXX, I spent about 700 $ ( including transaction fees ) on purchasing litecoin on coinbase. However, recently when I tried to log into coinbase, they locked my account saying that they needed " additional customer information '' and asked me to type in my SSN ( which I don't have ). Therefore, I'm currently unable to access my coinbase wallet, even though I wanted to pull out all my litecoins. I didn't gain any profit from my purchase so I just wanted to pull out at a safe point where I only lost about 50 , but due to coinbase locking my account, I'm no longer able to do anything but sit and watch my investment diminish.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-06-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

I contacted PHH Mortgage to pay off my delinquent HELOC and no one has been able to help me. They transfer me constantly and tell me " emails have been sent '' but there has been no resolution for over a month.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

Re : Account # XXXX payment history reported to all three major credit reporting agencies, which is encircled on the attached copy of XXXX   report. 
Based on my records, the 180-days past due occurrences reported as of XX/XX/XXXX through XX/XX/XXXX are inaccurate. These payments were suspended at Pennymacs recommendation during the process of setting up a trial loan modification and extension, as I was advised the payments must be delinquent and the loan in Default in order to qualify for the program and any missed payments would be added to the end of the loan. Pennymac then repeatedly lost the modification application paperwork submitted by us, requesting us to resubmit everything multiple times. We now know these activities were in direct violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Once regular payments for this modified loan commenced in XX/XX/XXXX, I established a very strong record of punctuality through all 16 months of payments since. Payment s during the setup of the modification program should not be reported as past due, as they really were not even due. Furthermore, this loan was not opened with Pennymac in XX/XX/XXXX as reported to the agencies, but in fact did not start inprocessing until XX/XX/XXXX. Any payments after that date were held up at Pennymacs behest and were through no fault of my own ; therefore, these past due payment items reported to all three major credit reporting agencies must be removed immediately. Also, I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. Pennymac has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine, and require more information of me instead ( examples attached ). To  properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. Pennymac has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o,  subject to a {$1000.00} fine for each instance.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

From XX/XX/2020 to XX/XX/2020, CaptialOne extended COVID relief on my Venture One credit card payments, but still piled up on high interest rates. No penalty. 

XXXX to now, CaptialOne refused to extend COVID relief, and refused to work with me in lowering payments or interest like XXXX XXXX did. XXXX XXXX immediately offered me much lower interest payments on two of my credit cards with them to about 5 % interest with fixed payments of {$180.00} and {$140.00} a month, a very manageable payment for SIMILIAR debt load with Capital One. 

Despite repeated calls to their hardship department, they tell me they have nothing to offer me except excessively high payments ( $ XXXX {$600.00} a month ) without any reduction in interest. They readily acknowledge that I have been an excellent customer until this particular situation. 

They keep sending me emails offering " lower payments '' but with every figure I enter, it is rejected. As a XXXX, XXXX person, my financial situation is taking time to improve, and despite my repeated efforts to explain to them -- especially when other credit card companies are more forthcoming in reducing interest and payments, I feel that their actions are predatory. 

They are preying on people like me who have seen my financial situation take a turn for worse during the pandemic. And out of all credit cards, they are the only one I have not made a payment -- and their actions are now forcing me to consider bankruptcy protection.
Consumer complaint received 2022-11-19
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. (CA)

I disputed an item on my report that was not mine. I asked to get the original loan document showing my signature to verify it was me and account was mine. They did not provide this information and continued to report it on my credit file.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Block the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}. Please remove this fraudulent account ASAP.
Consumer complaint received 2022-01-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

I had XXXX unauthorized transactions of about {$85.00} a piece, Venmo is making little to no effort to refund these charges and refuses to give me any direct answers on will I will be recovering my funds
Consumer complaint received 2022-01-15
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)

{$920.00} from consumer XXXX co Experian and XXXX and XXXX continue to report negative fradulent information on my credit report. They are in violation of the FCRA
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc. (KS)

I was made aware of an account in collections with Recovery Management Serv on behalf of XXXX University in the amount of {$3400.00}. I have not been contacted by the agency since this debt was listed on my credit report on XX/XX/XXXX. 

This debt appears to relate to an issue from XXXX where I was corresponding with XXXX XXXX and XXXX XXXX from XXXX University. The charges were for coursework that was not taken and dropped prior to the start of class which should have resulted in a full refund. 

XXXX XXXX originally advised that this account was in collections with XXXX XXXX, as shown on my credit report at the time. However, when it was removed and marked closed I considered the matter resolved. 

I am unsure of who Recovery Management Serv is and/or how to dispute this debt that has now been on my credit report for 4 months.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PROFESSIONAL DEBT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PROFESSIONAL DEBT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

I recently received a fraud alert on my credit report for 3 collections placed by XXXX XXXX for the following amounts : {$95.00}, {$130.00} and {$830.00}. I was a part of the XXXX  breach and previously had issues with identify theft. I sent out a letter to the company for debt validation on XX/XX/XXXX but did not receive a response back.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent in letters requesting an update on several accounts inaccurately reporting to my credit. This letter was sent XXXX days ago. There has been no update regarding the investigation. I have also sent ALL information needed to accurately identify and locate my credit file. No status update has been provided to me
Consumer complaint received 2022-09-15
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. (TX)

upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXXquiry date XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX XXXX date XX/XX/202XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX OF XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/202XXXX XXXX XXXXXXXX Inquiry date XX/XX/202XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 EXPERIAN - XXXXXXXX XXXXXXXX XXXX Inquiry date XX/XX/20XXXX XXXX
Consumer complaint received 2018-07-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Opened a new IRA account with XXXX XXXX ( XX/XX/17 ) and was supposed to receive a {$500.00} bonus for transferring in $ XXXX+ in holdings. Used promotional code XXXX. Have only been credited {$250.00} bonus instead of the full {$500.00}
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX  XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MN)

After a 30 day late payment last XXXX, Shellpoint Loan Servicing continually updates the loan balance incorrectly. I have disputed the incorrect balance with the mortgage company, and with all 3 credit bureaus.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JAN (LendUSA) Holdings, Inc. (NJ)

We recently purchased an investment property in XXXX ( GA ) and got a conventional loan from LendUS , LLC ( through XXXX XXXX XXXX  ). We have two complains to the loan company : 1 ) the loan cost was too high, there were clearly duplicating charges, see below : A. origination charge $ 2332.66 % point of loan {$0.00} Doc review fee {$690.00} Origination fees {$780.00} Process fees {$350.00} Underwriting fees {$500.00} 2 ) the loan officer was behind schedule, did not leave us time to question and shop around.
Consumer complaint received 2022-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

As requested by PenFed Credit Union, I forwarded the XXXXXXXX XXXX Installment # 2 tax bill on XX/XX/2022, the day I received it from XXXX. The bill showed both a gross amount due of {$4600.00} and a discounted amount of {$4400.00} if the bill was paid by XX/XX/2022. 
PenFed did not pay the property taxes on my mortgage prior to the discount due date. Since they did not pay by the discount due date, I have incurred an additional {$200.00} in tax payments. My account statement seems to indicate that they will pay in XXXX, by which time I may have incurred late payment penalties. I have asked that PenFed pay the additional {$200.00} and any previous additional amounts associated with missing the discount deadline dates. 
I have offered to take over the tax payments since I am clearly more responsible than the tax serving folks at PenFed. I have been told that " senior management '' will get back to me by about Friday, XX/XX/2022. This is not acceptable turnaround time.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (TX)

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 XXXX/Equifax/XXXX  XXXX 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 following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Consultants, Inc. (LA)

On Friday XX/XX/XXXX, an unknown number ( XXXX ) called my phone and left a voicemail seeking myself. I returned the call and they ( Diversified Consultants ) spoke on a past due bill with a cellphone company, XXXX XXXX. I stated, on a recorded line per the caller, that I do not have a contract with your company and as I have before I will go into one of the cellphone company 's locations and make the payment and representative stated ok that is fine. They ( Diversified Consultants ) have repeatedly called both of my numbers ( the second is XXXX ) as early as XXXX XXXX and as late as XXXX ( XX/XX/XXXX ). Furthermore, I do not believe the company is local to my city/state, therefore they are cloning a prefix ( XXXX area code ) and calling from several numbers ( XXXX, XXXX, XXXX ).