davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I have submitted my mortgage payment for XX/XX/2020 twice to the mortgage lender, Carrington Mortgage LLC for VA XXXX XXXX, and twice, the lender rejected the payment. The second payment was a teller check sent via XXXX, tracking XXXX. XXXX. Carrington rejected the payment and sent it back via regular mail without any form of tracking on XXXX XX/XX/2020 to XXXX. As of today, XXXX has confirmed that they have not received the returned check. XXXX can not cancel the check until after 90 days from date of issuance. Carrington now has notified me of an intent to foreclose my property despite my attempts to pay my mortgage. They are demanding a payment that I have already made twice and can not issue another check since the returned check is not in the possession of XXXX or myself. I spoke to the VA and was advised to file a payment complain here.
Consumer complaint received 2020-07-14
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: AMERICAN EXPRESS COMPANY (TN)

I contacted American Express in XXXX and advised I was affected by covid and needed assistance for a few months. I advised them I would make a payment and paid the amount in XXXX. After I paid the bill, the account was reported as late for XXXX and closed which affected my credit. I would like for the reporting to be accurate just as it was at first and the account reopened. Thank you!!
Consumer complaint received 2020-07-14
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I have made several attempt to address this account with the credit bureaus and creditor but they fail to fully investigate the account in question. The account is reporting inaccurate, incomplete and erroneous information. After reviewing my credit reports and comparing them I have found multiple inaccuracies, incompleteness and erroneous information being reported. The credit bureaus and creditor have received multiple disputes from me about the account but have failed to update or delete this erroneous information from my credit reports.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I paid off my loan and the mortgage company overcharged me by $XXXX. They charged me $XXXX   for recording fees in XXXX XXXX County. It should've been $XXXX only. Also they charge me for $XXXX for advance which they don't want to explain what is. On XX/XX/XXXX, I filed a complain and I called several times and they don't give an answer.
Consumer complaint received 2022-01-08
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy 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 2020-07-14
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$820.00} XXXX  XXXX {$640.00} XXXX  XXXX XXXX XXXX XXXX {$100.00} XXXX   XXXX {$7700.00}
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

I received multiple letters from Convergent Outsoucing asking me to pay a debt from a company ( XXXX ) with whom I have never done any business. Convergent stated that if I paid the debt, they would be willing to satisfy your account in full for 65 % of your total balance. I assumed it was a scam with the first letter ( and destroyed it ). With the second letter I contacted convergent but they kept passing me from one operator to another with long wait times between. No one would address me with the issue.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (PA)

I purchase my home for {$49000.00} on XX/XX/2005. I currently owe approximately 35,000 on the home the term was a 30 year fixed mortgage with about 4 % interest rate. Unbeknownst to me the money was applied to the interest on that note, then the principal on the note second one and then all of the other fees third early. After 15 years into the mortgage I realize that Ive only paid less than half of the mortgage. I would like to know my options this mortgage for me at this time I would have thought that a house wouldve been paid off at least halfway and its not.I am on able to get my house refinanced due to my credit score. I believe it was a bad mortgage in XXXX and its place me in a position according to my calculations that I have paid XXXX or ready on this house which is double the amount that its worth. The original bank I was national XXXX which is no longer in business the name to change to XXXX XXXX XXXX I believe. However Shell point mortgage services services the loan currently and they have been very transparent with the information that I have been trying to obtain for the past few years.
Consumer complaint received 2020-07-14
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY :
Consumer complaint received 2023-05-09
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. (NJ)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$5800.00} 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 2024-12-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (MD)

This fraudulent, inaccurate, and false information consists of two collections account named AARGON AGENCY INC opened on XX/XX/year>. These accounts are appearing on XXXX, XXXX and XXXX. They are reporting in the amounts of {$550.00} and $ XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

Once I noticed the false information on my report, I immediately sent a letter requesting validation and verification of the information being reported to my XXXX. The letters were went XX/XX/year> with no response. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (ME)

Hello, I spoke to XXXX at ConServe ( XXXX ) about a debt from the Department of Defense, which was transferred to the Department of Treasury, then sent to ConServe. 

She told me that multiple letters were sent informing me of this debt, I asked which address she had on file and she stated an old address which I have not lived at in almost 5 years. 

She informed me that because it has reached them, there is an extra {$2000.00} charge added onto the debt. I told her that I didn't believe that was right, because I had never received any letters of the debt owed because I no longer lived at that address. She told me that there was nothing they could do. I told them I would be looking at legal avenues to remediation of this issue.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (MN)

My company, XXXX XXXX XXXX XXXX and me were issued a credit card by Wells Fargo account number ending in XXXX. That account awards points based upon account activity. Account information is provided on the website. The website states on many points I have. In XXXX, Wells Fargo deleted XXXX points as expired. All of the transactions are viewable on the website for the account. Nowhere on the website that I could see did Wells Fargo warned me that any of the points would expire. Since all the transactions are on the website there is no need to look at statements. I note that statements posted to the website separate and distinct from the website pages contained in a small print that points would expire, which statement is separate and apart from the table that they provide for points earned and used and at the end of a long paragraph. Nowhere on the table for points earned is there any statement of points to be expired, no asterisk or footnote or any indication that points would expire. An obvious attempt to obfuscate the fact that points would expire with the obvious intent that cardholders not use their points. The failure to state points to be expired on the website, was fraudulent and misleading and contrary and contradictory to the statements published on the website. As result, Wells Fargo should reinstate the expired points or pay me the value of the expired points. Even if the statements would otherwise arguably be sufficient, note that Wells Fargo made the effort to highlight the amount due, but never did the same for the number of points to expire. A further indication of an attempt to obfuscate the fact that points would expire and therefore attempted to defraud the cardholder from the use of their points.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

XXXX an approved XXXX was charged by me as I authorized that charge with the business to my XXXX XXXX/CHASE BANK . 
This was the maximum allowed on this credit card. 

XX/XX/13 the same business attempted 2 charges - XXXX and XXXX Those transactions were 'pending ' and I called both the bank and the charge card company. 
At that time I tried to file a dispute but they would not accept due to 'pending ' status, I was told that they had to wait until the status was changed but 'they would be there for me ' Of course the transactions went through and then I could file the dispute. 
I locked the card via the bank website. 
Now my card is locked and shows a XXXX balance ( well over the agreed upon maximum ) Simultaneously : The same business had been 'fishing on another XXXX XXXXXXXX for multiple amounts. 
XX/XX/13 XXXX, XXXX and XXXX - all were declined 'transaction reviewed ' was the status. 
XXXX assisted me in locking that card and we changed my password. 

I informed the Chase XXXX this was going on ( they say they are taping all calls. ) All of this mess has resulted in me exceeding my credit limit and not being able to set up a payment plan on the initial XXXX. 

XXXX put the transactions in a review status because they exceeded the maximum balance. And it appears they were on top of the fact that multiple transactions were being denies. 

I will be canceling the CHASE/XXXX  card but I'm sick of these companies not protecting me immediately upon notification but waiting for the 'system to process '.

Rather than opening the 'dispute ' when the customer calls- they appear to favor the scammers rather than the credit customer. 

I try not to use online sales or credit cards, because I have a person using my SSOC and attempting fraud on a monthly basis. 

The banking/credit card industry is not set up to protect the consumer and is complicit in mangling peoples finances. And of course the credit bureaus ( which add nothing of value to any business transactions ) are complicit.
Consumer complaint received 2022-06-30
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: Experian Information Solutions Inc. (CA)

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. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHS US DEPT ED # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 


15 U.S.C 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 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2022-01-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (MD)

The company Bridgecrest has repossessed my car without validating that the debt belongs to me. I had communicated with them over the phone and sent a certified mail addressing the need for them to verify the debt that they claim I allegedly owe. So now, I do not have my property, my car, as they illegally repossessed it. I received a mail saying that if I do not pay Bridgecrest, they will sell my car.

According to 15 USC 1692G, it states that " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor '' I have not received either of the following from Bridgecrest, so they have violated this Congress law.