davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

My financial hardship began when my husband which I am now separated from abandoned me on XXXX XXXX, 2015. My soon to be ex-husband relinquished all rights to the property which we resided by quit claiming his interest over to me. My husband no longer supports or assist me in any way financially. I obtained the assistance of a housing counselor in order to help me submit a modification request to my Servicer Penny Mac in order to assist me with getting the loan modified to an affordable monthly payment along with getting the account current into my name only. I submitted the modification request with the assistance of my housing counselor XXXX XXXX, 2015. I was approved for trial modification on XXXX XXXX, 2015. I was approved for the Final Modification on XXXX XXXX, 2015 after I successfully completed the trial modification payments. But, the modification papers included me having my separated husband sign the modification documents. The modification request clearly states that I was applying for the modification to have my separated husband removed from the loan along with obtaining an affordable monthly payment which I could afford to pay with my income only. The servicer requested the quit claim deed to show proof that my husband had released his rights to the property. I provided the quit claim deed to the servicer on XXXX XXXX, 2015. Presently, the servicer underwriter removed my Final Modification Approval because my separated husband would n't sign the modification agreement. The Underwriter stated on my denial that I notified the servicer to state that I did n't accept the offer which is a lie. I completed my modification trial plan based upon the fact that the loan would be modified into my name only. He was never suppose to be on the modified loan. The modification was submitted in my name only.
Consumer complaint received 2017-10-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (FL)

While reviewing my credit files. I noticed a collection from Optimum Outcomes. I have never had any contract with this company. I have written to them several times to send me validation of said debt and have received nothing. Their negative information is affecting my credit.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, XXXX $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt collectors net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship Trans Union XXXX and XXXX are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX,, Contiued Issues,, Never Got Solved,, Never Received Settlement Payment That Was Issued XXXX Thru XXXX ( XXXX ) Based Upon New Information That I Received Thru,, The Wells Settlement Website,, My Claim Form Was Lost Or Misplaced From Their Data Processing System, So I Never Received Any Payments At All,, When Checked The Website,, It Stated That Is Was Already Included?? So What Happened??,, This So Unacceptable And Very Messy
Consumer complaint received 2021-04-29
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AP)

I got a email stating I owe a debt but I dont remember even signing up for this particular loan and this supposed senior recovery attorney is asking I pay it in a one time settlement and if not then Ill be sued. Im not sure if this even real or if this is a scam. I have only been contacted by them once.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I had tow account in collection that are on my credit report with Midland Credit management that are over 8 years of age and no responce from XXXX and one account is not mind XXXX
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

For almost a year now, I have been requesting that the credit bureaus perform a reasonable and thorough investigation into several unverifiable accounts that they are inaccurately reporting on my credit report. I have asked for verification of their legitimate authority to CONTINUE reporting INACCURATE, UNVERIFIABLE information and they have failed to respond to over 10 requests that I have made. When I check my report every month the notes on the accounts states that the accounts meets FCRA requirements, but have failed to supply proof substantiating that claim. These errors are preventing me from being able to obtain suitable employment, and have impacted me being able to obtain credit and financing.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (MA)

On Friday, XX/XX/XXXX at XXXX XXXX  EST, I executed a trade of XXXX DNT  ( XXXX ) tokens using the Coinbase App. At this time the spot price on Coinbase was XXXX USD. As communicated through the Coinbase App, when I agreed to sell my tokens, my portfolio was valued at XXXX, XXXX USD. As the transaction was completed moments later, my portfolio, then in USD, was valued at XXXX USD - an evaporation of XXXX, XXX USD having been given XXXX USD per token, while DNT was still trading north of XXXX higher. I fully understand slippage is to be expected while trading cryptocurrencies, especially on Coinbase, however a delta of north of 20 % is not slippage but an error ( at best ) and one that hopefully is corrected swiftly.

I've attached screenshots of the transaction as well as a video illustrating the sudden, instant, drop in my portfolio value.

Please see the attached for reference : Image # 1 & # 2 : DNT 's Coinbase Spot Price on two different views showing that at XXXX XXXX EST, 1 minute after my transaction was executed, the spot price was still XXXX - XXXX USD. 

Image # 3 & # 4 : My personal Portfolio balance at XXXX XXXX  EST on XX/XX/2021 and my personal portfolio balance at XXXX XXXXM EST on XX/XX/2021 after I had sold my DNT. 

Image # 5 : This video illustrates the above ( similar to Images # 3 & # 4 ) and clearly shows the evaporation for XXXX USD in portfolio balance.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Hello, You have been quite helpful in getting PHH Mortgage to take action but unfortunately the issue of getting my escrow payments made has not been resolved. 

This will be my 3rd ticket to get assistance. XX/XX/XXXX, I reported that PHH had paid my escrow tax money on the PIN numbers of another unit in my building. ( Taxes due XX/XX/2021 ) They keep reporting to you and me that the issue is resolved but it is NOT. I have submitted tax papers showing the correct numbers and confirmed them verbally yet I received a letter yesterday saying all is well, you are paid up and it continues to show the wrong tax numbers. I can not actually speak to anyone at PHH on the phone and they have not called with an update in 3 weeks now. 

thank you for your continued help XXXX XXXX
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I requested Bank of America to cancel my PMI. 

I received a letter stating my investor requires a current market value. This is not true see letter from Bank of America. 

I received an email from XXXX XXXX stating my investor requires an appraisal. This is also not true. 

On the letter it states an agent or broker will contact me to schedule the appointment to provide an appraised value. 

Real estate agents and real estate brokers are not licensed to provide appraisals in Georgia. Since they are not licensed to provide appraisals, what service are they providing. 

The letter says they will be providing the current appraised value. Bank of America could use an AVM, automated valuation model to do this.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

DEPT OF EDUCATION/XXXX XXXX  # XXXX is reporting as a delinquent student loan account across all XXXX  bureaus XXXX, equifax and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-24
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (CT)

I have an account with Rushcard and I 'm sure you know why I 'm sending this complaint. I have not received mymy direct deposit from my employer due to the " technical glitch '' they suffered. It 's quite obvious I 'm struggling to get by I jus want wages and dealing with these representatives for 10 days has made things more stressful. Yesterday I called and they said my funds are showing but there 's a problem from it to deposit on to my card. The lady said that she put in an escalation ticket to a higher up to deposit my funds. I wake up today to find no funds in my account still. I called to find out what happened and they told me my deposit is not showing. From there I asked to talk to a supervisor and they came to the resolution of sending an email to her supervisor or board to handle the situation. I 've been demanding a certified check and they told me that the higher ups will make that decision. Everything is recorded I just hope I get my money soon.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address the ongoing failure to comply with the law regarding removal of inaccurate information from my credit report. Despite multiple requests, your company has neglected to take appropriate action. 
Your persistent disregard for these requests constitutes a clear violation of the FCRA. 
The accounts listed below require immediate attention : XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (VA)

Currently, I am having my money deposited on my Rushcard. About two weeks ago, Rushcard stated that they 'll be updating their system and within 3 hours we could n't view our accounts nor withdrawal money. A couple of weeks have gone by and I still can not access my funds. I 've called customer service numerous times and have gotten hung up on. When I finally got a hold to customer service they tell me they ca n't do anything about it, and to give them my number and have yet to receive a phone call. At this point I 'm wondering if my direct deposit will even be deposited this week.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Principal reason Im writing this complaint is to have the 30 day late removed from XXXX XXXX Equifax. 

XXXX credit card reported a 30 day late for the month of XX/XX/2020. 

This was during the pandemic and since we in NYS were under a stay at home : " On Sunday, XX/XX/XXXX, all non-essential businesses statewide closed when Governor XXXX announced the " New York State on PAUSE '' executive order. '' It made it extremely difficult to make a payment, XXXX was under seige by the cornavirus with people XXXX everywhere. 

Below is the order issued by Gov. XXXX. : https XXXX XXXX I tried to explain and also written a letter to XXXX regarding the situation and they would not remove the late from all the credit bureaus. 

This is unfair for a lender and credit bureaus to report a late during a city and state lockdown. I would like it removed as its damaging my credit score. 

Note : Account is currently open and in good standing.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (IN)

XXXX XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX  i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX  Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (AZ)

close to End of XXXX of XXXX I asked the details about the process at Lexington Law Firm... just as they advertised on the phone that it takes 90 day to get things removed. said they are 100 % sure they can take care of this for me. I informed them i need this done in 6 months during that time frame I fixed my one of my reporting on my own i informed them and they asked me to send the paperwork to them. Next thing you know i get an email saying THEY had success removing an item of my credit report. and listed the one I sent to them in the first place. I paid {$120.00} per month for 6 months straight with ZERO Success on their part. All lies. I than read the review, it was 3.2 on XXXX. i spent money on and expecting ANY type of results which I never got. I disputed the item in XXXX and they reached out to give me one month free RE Explained the process to me, which by the way was totally different they what they first told me. At this point I was just fed up. I have went back and forth with them never being able to talk to an ACTUAL ATTORNEY. instead the paralegal who have no idea what they were doing. Now my bank says its past the 90 day so they refuse to help me and thus why I am reaching out for help. I spent {$770.00} not including XXXX ( free month ). My credit score is still the same, no changes. i have attached the reports showing XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - its still the same. ZERO CHANGES. I work hard for my money and I had been so let down by a company who I was not even allow to talk to an actual attorney. I was so let down by them and taken advantage by. I don't know what more I am capable of doing to resolve this.