davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

As usual, Carrington Mortgage Services is publishing bad or incorrect information to the credit bureaus and my mortgage payment has fluctuated again. Please contact Carrington and have them remove, from my account, that I was late paying my mortgage in XXXXXXXX XXXX XXXX, as its being reported to the credit bureau as being late on XX/XX/2022, and that shouldnt occur until the 30 days. This company is rogue and continues to collect erroneous late fees after being fined by CFPB for their dishonest practices. They also reported XXXX payment as being late on XX/XX/2022. My mortgage payment also went up to XXXX from XXXX without cause. I dont trust this entity as I have stated to the CFPB before and I need your help. I appreciate your assistance in advance.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Fir the last 4 months citizen bank mortgage department has been putting road block after roadblock up while I was applying for an equity line of credit. I should have qualified, but they continually asked repeatedly for documents I already sent ; then they had me send documents to many different people ( via email ) Each time I have sent them information, they kept asking for the same information in a different way. 
I am a long time premier customer, who has been treated like I dont have any money to back up my qualifications for this loan. 
I feel they are dragging their feet because of my age, and gender, snd marital status. 
There is plenty of documentation that should allow me to qualify. 
They have made plenty of money from my accounts, over the years from Mortgages and pension program I started there. 
I have a great credit score and money to back up the equity line of credit. 

I feel their mortgage department should be investigated especially denials to customers, who are older, female, and single.I
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Report act XXXX account # 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 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 a account without my written instructions
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

This is my XXXX email attempt to find out why my BofA account has not been reactivated. I have called both XXXX and BofA multiple times to discuss this matter, but have yet to have it resolved Recently I received an email from BofA, where they updated my email account, and today I received an email from XXXX to verify my identity with ID.ME. My identity information has been uploaded into ID.ME account since XXXX and has been verified. 

This is now going on XXXX weeks that myself and my family have had to endure without my much needed XXXX XXXX. We have had to beg and borrow in order to survive. Our phones have already been disconnected once, and are do to be again soon. My car is currently delinquent and will soon be out for repossession. 

At this point I am due XXXX back payments, and coming up on a XXXX, in addition to the {$300.00} federal stimulus that is due. 

I am begging for assistance and would appreciate any information to help me move this process along. I've been informed that as of the XXXX of XXXX my ID has been verified, and that the request for a back payment check and authorization for BofA to reactivate my account. Today is the XXXX and still nothing. I am begging for someone to please get my account reactivated XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX # XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2020-07-06
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-12-04
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC (CA)

Today, I received a text on my cell phone saying this : XXXX, contact MRS BPO LLC regarding a matter with XXXX XXXX. MRS is a collection agency. 
Visit : https : XXXX call : XXXX opt-out : reply XXXX XXXX : XXXX 

I am not XXXX! 
I called them at ( XXXX ) XXXX because no one answered the number above provided in the text, and I disputed this. The man who answered sounded like he was in a call center of sorts, and he stated that they had nothing for me in the XXXX category, aka office, under my real name, XXXX XXXX. They kept asking for my middle name, which I declined to give. I have no business with XXXX ; I am with XXXX XXXX XXXX. 

When I text STOP in response to their text, I get this response : " Your phone number can't be located. Please call XXXX. '' This text is from MRS BPO LLC, a debt collector. 

This communication is a scam of some sort; please handle this and stop this from happening to others. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Having a credit card with Citi bank, I received an offer to open a new checking account online. This offer included a {XXXX} bounce if I deposite {XXXX} within 20 days of opening the account. If I kept the funds above {XXXX} for 60 days I receive the {XXXX}. I opened the account on XX/XX/2022 and within a few days there was more than {XXXX} in the new checking account with Citi bank. 60 days passed and I didnt receive the {XXXX}. I called the bank on XX/XX/XXXX and requested to speak to supervisor who credited {XXXX} into the account. On XX/XX/XXXX I realized that {XXXX} taken back by the bank, I called on the same day to find out the reason. The supervisor answered that the bank decided that because I transferred the funds through XXXX that I didnt meet the requirements and for this I will not get the promotion. The offer doesnt state that I couldnt transfer the funds electronicly. The supervisor at Citi further mentioned that the only that I could have received the bounce when I physically took the funds to a branch and deposited with a teller. Again, this isnt mentioned in the offer. I believe that I was misled by Citi bank and Id like to ask you kindly to help me obtain the {XXXX} back. 
Many thanks.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY (TX)

I refinanced a property with Interfirst. Loan only, no escrow. Made XXXX payment and then they sold it to another firm, also called Interfirst ( but the loan number changed ). Once I had made a payment, I set up online access and checked my account. I found I had a past due amount of {$2400.00}. I called to complain, and eventually they discovered that my mortgage had incorrectly been flagged as escrow, so they had sent a check for {$2400.00} to my property insurance company. Once they realized it, they called that a balance due and wanted me to send them a check in the same amount to cover it. ( But one person there, in their insurance department, said that the escrow flag had subsequently been removed, so if I sent the check they wouldn't be able to handle it, and would just apply it to principal ). Another person said, no, send the check- it'll be fine. So I sent the check on XX/XX/22 and they cashed it on XX/XX/22 ( see attached ). Today I received a statement ( attached ) showing a past due balance of {$2400.00}, and indeed, the XXXX I sent them had been applied to my principal. They are generally incompetent, in my experience. I want them to apply the payment I sent them to the past due balance that they caused me to have through their own incompetence.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

It took an excessive amount of time to clear up all of the addition and incorrect fees that had been put onto my account. But in XXXX I was finally able to speak with a customer service rep and they agreed to take off the fees. I paid off the credit card immediately and they agreed that they could not report me payment as 30 days late, because # 1 it was the fee amount that I had been disputing that made it late and # 2 I had in fact made payments. The credit card only had and available charge amount of {$250.00} and they had accumulated fees even after the account was closed. They agreed to clear up my credit back in XX/XX/2020. 
I am trying to buy a house and that issue STILL appears on my credit report. I tried to call to discuss the matter and was told that the only way to reach that department is to mail a letter to the PO BOX and that it may take several weeks to get a letter back from them. I do not have several weeks. I believe that it is unfair that they will not allow someone in customer service to address the issue. It is also unfair that it has not been corrected since XX/XX/2020. Lastly, it is extremely unfair that my mortgage is hinged upon a store credit card that charges outrageous fees and does not have a way for members to remedy concerns. They will not allow a payment in store, and if you pay by phone they charge a fee. 

I need this off of my credit score as they promised.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I opted in for a forbearance with my mortgage company XXXX XXXX earlier this year due to COVID19 however, I NEVER stopped paying my month 's balance due and was never late. On XX/XX/2020 I requested to be taken off of forbearance under my account and credit reports. It has been over a month now and XXXX XXXX still has not notified the credit bureaus of this and it is heavily impacting my credit reporting. I have called them and asked to expedite and remove this however they are giving me the run around. It has been over a month and this continues to hurt my ability to take out new loans.
Consumer complaint received 2020-06-30
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)

I disputed the account XXXX ( XXXX   XXXX XXXX ) {$1000.00} with Equifax, XXXX and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX  XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX  XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  ( {$3500.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with Equifax, XXXX  and XXXX   and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with Equifax, XXXX  and XXXX   and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX ( {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist
Consumer complaint received 2022-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One I reiterate my concerns about disputes and rebilling when done, no explanation I try to go thru cfpb because site has no email to Capitral One and no way to dispute except by physical snail mail When a credit is given, maybe two months l ; ater often a rebill of the amount is charged and no explanation whatsoever Here is prime examples XX/XX/XXXX credit $ ( XXXX ) and rebilled same month?? WHY?? 
XXXX XXXX {$14.00} rebilled for credit given on XX/XX/XXXX transaction date {$14.00}, why?? 

Capital strategy is rebill without explanation after few months in hopes customer forgets and does not t notice rebill I hope Capital becomes more oriented to customer otherwise I will use my other credit cards that communicate well, file disputes DIRECT and can see statements on line going back a year or so Capital only allows the present month statement to be viewed on line, all previous statements are blocked from viewing, WHY??
Consumer complaint received 2020-08-13
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: Shellpoint Partners, LLC (FL)

Since COVID-19 pandemic I entered into an agreement with my mortgage co into a forbearance. They reported to XXXX XXXX that I was delinquent on my XXXX payment. I'm on a forberance plan with them which states I will not be reported to the credit bureau. I called XXXX because my credit score dropped XXXX pts. and was told my mortgage company reported I was delinquent on my XX/XX/XXXX payment and that I was in Chapter XXXX bankruptcy. I was discharged from my bankruptcy 1 year ago after having it on my credit report for 10 years. Shellpoint can not add a statement in my credit recordabout being in bankruptcy when I did my part and have a record on my credit report for 10 years and being discharged 1 one ago. I started a dispute with XXXX XXXX. I immediately call my mortgage company to find out why this happened and they apologized and would fix the problem. I waited one month for the dispute to be over. I called today XX/XX/XXXX to XXXX  to ask about the results from my dispute and was told my mortgage company came back with a no change status results. I called my mortgage company and spoke to a supervisor and he told me that Shellpoint did response as of XX/XX/XXXX but I would not see the results for a couple of weeks. I again on XX/XX/XXXX called back XXXX to ask when the results of my dispute would be updated. I was told results are updated immediately and Shellpoint did respond with a no change status. I started a new dispute. After I called Shellpoint again to complain about my situation and was told by customer service that my dispute/complaint would have to be sent to them in writing. I don't understand why and how SHellpoint can get away with this. I have excellent credit history and now my score in XXXX pts less. I did have a bankruptcy that started in XX/XX/XXXX and ended in XX/XX/XXXX I was discharged. I did not add my mortgage in my bankruptcy. I have been paying it ever since until I lost my job during this pandemic. Shellpoint can not add anything having to do with my prior bankruptcy or missing a payment as Im in a forberance plan with SHellpoint. Please help
Consumer complaint received 2022-08-15
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. (CT)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to the day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these terms within 30 days gives a reason to immediately remove those items from 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 2022-12-13
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. (NC)

XXXX XXXX XXXX has unlawfully used unlawful PHI which is a violation of HIPAA and they have broken the law both on federal and state level demand in investigation and also how they were able to falsify and purge themselves over 30 times to this web portal
Consumer complaint received 2022-06-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (KY)

XX/XX/XXXX I send a Notice of Dispute letter out certified mail # XXXX asking LVNV FUNDING LLC to provide information to support their claim that a debt was owed and proof that they have a valid contract with XXXX XXXX. I have yet to receive any evidence that I owe LVNV FUNDING LLC a debt and for the record I have never contracted with LVNV in association with any services including any debt. They continue to report misleading and false information to the credit bureaus which has affected my credit score tremendously. My next recourse will be to file suite against them for identity theft because I never consented to them using any personal information that could cause harm to me. This is pursuant to 15 U.S. Code 1692g ( b ) and section 809 ( b ) of FDCPA.This includes XXXX XXXX XXXX as well, whom I believe handles some financial aspects of the company.