davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Please see attachments. 

Reference : XXXX XXXX Acct # XXXX XX/XX/2022 Late Charges To Whom This May Concern : I was accessed a late fee of {$42.00} for my XX/XX/2022 mortgage payment. 

Ever since Carrington began servicing my home loan, I have paid my monthly mortgage via my bank Bill Pay feature ( see attached ). 

Both XX/XX/XXXX and XXXX fell on a weekend, outside banking business days ; XX/XX/XXXX was a Saturday and XX/XX/XXXX was a Sunday. 

Per my XX/XX/2022 statement Carrington stated Late charge full payment not received by XX/XX/2022 which was a Sunday. Neither Carrington nor my bank, XXXX, does business on a Sunday ; business days are Monday Friday. Furthermore, I made my online payment via my bank Bill Pay prior to XX/XX/XXXX. 

This never happened to me when I was with XXXX Mortgage for over 11 years. In addition, I found the below regarding mortgage payments when the due date falls on the weekend or on a federal holiday. 

All payments are effective dated for the scheduled date of the draft. For example, if you schedule a payment for the XXXX and the XXXX falls on a weekend or holiday the payment will be withdrawn the next business day. The payment will be effective dated back to the XXXX and a late fee will not be charged. 

If an online payment is scheduled on a weekend or bank holiday, the payment will be withdrawn on the next business day. All payments are effective dated for the scheduled date of the draft. For example, if you schedule a payment for the XXXX and the XXXX falls on a weekend or holiday the payment will be withdrawn the next business day. The payment will be effective dated back to the XXXX and a late fee will not be charged. 

Please explain why I was charged a late fee because my payment wasnt received by Sunday XX/XX/XXXX. I do not understand. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # XXXX
Consumer complaint received 2022-06-06
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)

I have tried on several occasions to have Experian explain to me why there is such a great disparity in the credit score they show for me and the one 's the other two agencies are showing with no success or answers. 
The last straw was this month when my score actually went down after a hard inquiry fell off!!! My score with Experian was XXXX, but today it is XXXX. XXXX has me at XXXX and XXXX is showing XXXX ( it will update on XX/XX/XXXX ). 

Why is there such a vast difference in my credit score with Experian? Is this Legal? My credit usage is very low, my payments, on all accounts, have never been late. I have attached a copy of my credit scores as of XX/XX/XXXX. As a consumer who works very hard to maintain my deserved high score this is very stressful. There is absolutely no reason my score should be in the XXXX 's. And to add insult to injury ... to have them drop my score instead of increasing it after an inquiry falls off is totally ridiculous! I have been trying to purchase a new automobile but have been waiting on Experian to rate my credit fairly. Please assist.
Consumer complaint received 2022-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority (IL)

Department of Education contacted OSLA and told them to hand over All of my loans to TOTAL AND PERMANENT DISABILITY SERVICER. They told them they had 120 days. OSLA ignored them and has not even acknowledged what they were told to do. They have poor customer service and discrimination.
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-15
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-06
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: Experian Information Solutions Inc. (CA)

I filed a complaint with CFPB on XX/XX/2022 because the 3 credit reporting agencies was violating the law in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Acct # XXXX and 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 a account without my written instructions Also, I asked the reporting agencies and the creditors in these cases to validate the loan with any paperwork with m y signature on it, that proves this debt belongs to me. According to 15 U.S.C. Sec. 1681i ( a ), they have to show what methods they use and who they talk to regarding this debt, but I have not received any verification of debt and it has been over 90 days of disputing and requesting accuracy on my file, this has been exhausting and taxing on my mental, emotional and physical well being. 

the 2 accounts on my report are : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2022-12-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

Credit Systems International , Inc never notified me in regards to a {$100.00}. medical bill that was placed on my credit reports for collections. When I contacted XXXX  XXXX XXXX XXXX on XX/XX/XXXX and spoke with a representative named XXXX he stated I was never billed {$100.00}. I requested to have an invoice sent to me for the {$100.00} bill and as of today I never received an invoice. 

On XX/XX/XXXX I contacted XXXX  XXXX XXXX XXXX again in regards to the {$100.00} and the representative informed me they are not able to locate a bill for that amount in their system. I also disputed this with both credit bureaus and they stated the account is valid not sure what that means. I'm not sure if the medical bill is valid because I never received the bill and Credit Systems International , Inc never notified me via mail or via phone. 

However, I did receive a letter from Credit Systems International , Inc in regards to another medical bill for {$330.00} and that bill was paid in full on XX/XX/XXXX with agent XXXX ( XXXX ). Attached are copies of the invoices that I paid in full with Credit Systems International , Inc . 

I'm requesting to have these collections removed from all my credit reports and to send copies of the bill that I never received from XXXX  XXXX XXXX XXXX which will reflect if the {$100.00} is actually my bill or if its a bill that I already paid in full. By law the collection agency is required to notify the consumer before they place collections on their credit report and Credit Systems International , Inc failed to follow the law.
Consumer complaint received 2022-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis Credit Management has reported a {$660.00} debt they claim I owe to them.

I have never had any business dealings with Genesis Credit Management.

I have never purchased any goods or service, whether on cash or credit from Genesis Credit Management.
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Venmo user name : @ XXXX XXXX I initiated a transfer of {$700.00} on XX/XX/XXXX Transaction id # XXXX, which was supposed to arrive by XX/XX/XXXX. I never did arrive. I submitted tickets to VENMO customer service, uploaded proof that for 8 days the transfer never showed. Here is their last correspondence:5/26 " XXXX here from Venmo Support to help you with your {$700.00} standard transfer that happened on XX/XX/XXXX. 
I am sorry for the last communication & the confusion this may have caused. 
I see the standard transfer was created on XX/XX/XXXX and approved the same day. I then see it was issued at XXXX PM on XX/XX/XXXX. The transfer completed successfully to bank ending in XXXX the same day. 
I do not see any errors or declines XXXX. 
I understand how important it is that you receive these funds as soon as possible, so Ill do what I can to help. 
Im going to escalate this issue to the appropriate team. They can provide a trace number ( like a tracking number in shipping ) to help your bank locate the transfer. To help with their investigation, pleaseclick on the upload link belowandprovide a digital copy or photo of a statement from the bank account. 
Feel free to cover sensitive information such as full account numbers, and please ensure to provide the bank name, the last XXXX digits of the account number, your running balance, and all the charges that took place between DATE_BEFORE_TRANSFER and SEVEN_DAYS_LATER. " As you can see it is stated a " tracking number " would be provided, so my credit union could find where it put the transfer. They never responded after this above response. Their lack of response with the tracking number, and the fact that I sent a small transfer later on which posted the next day to my credit union account, tells me the problem is not with my credit union It appears they just hope to ignore my problem I willl go away. wrong. Please help! XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX Account # XXXX DEPTEDXXXX Account # XXXX XXXX XXXX XXXX  ( XXXX XXXX  ) ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) ACCOUNT # 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 a account without my written instructions
Consumer complaint received 2022-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Experian is in violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I submitted XXXX dispute to Experian for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously submitted disputes before with this company for these same accounts. According to law 15 U.S Code 1681i ( a ) ( 1 ) ( A ) these accounts are suppose to be removed from the consumer report while under investigation. Also, both of these accounts have proven to be inaccurate, which states in 15 U.S. Code 1681i ( a ) ( 5 ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Experian hasn't done either one which makes them in violation of the law. I have attached evidence along with this complaint.
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

I am writing to explain the details of my communication with Moneygram since doing the transaction on XX/XX/21. 
On XX/XX/21, I used the moneygram app to send {$2400.00} to my mother, in XXXX to cover her health insurance. The money gram gave me the option to pay it into her XX/XX/XXXX bank account and on doing so, informed me that the transaction was successful and complete. It gave a reference for the completed transaction. However on my mothers end the money never showed up. On waiting for a week I called moneygram and they said they would start an investigation that can take up to 90 days. I would frequently call to check on any progress and after being put on hold for at least an hour or more would always be told they are still investigating and not to call but wait for an email.I was not allowed to talk to anyone in the investigation department, it would always be customer service that would have no further information and would rudely say you need to wait the 90 days, why are you calling I finally did hear back from them end of XXXX and was informed by email that the money did reach my mothers bank account although delayed and they would return back the {$1.00} transaction fee. On checking with my mother, the money was still not in her bank account. 
I called moneygram back and they said they would start another investigation, which could take up to 90 days again. 
In the meantime my mother went to her bank, XXXX XXXX and was told they do not accept money directly from moneygram and it usually goes through a smaller bank that then sends it to them. The bank confirmed that the money was never received. 
I continued to call moneygram to be told its under investigation but the last time I called I was told they had no information on me or the transaction. After going through a lot of departments and managers. I was told my account had been closed and there was no explanation on why. Finally I was told they would investigate and send me an email in 2-3 days on why the account was closed. It had been over a month and I was still to hear from them. I called them back today and was told my account was closed because I had gone to my financial institution XXXX XXXX XXXX XXXX Bank ) and should now communicate with them and get the money off them. XXXX & XXXX were not able to help me. 
It has been very frustrating and upsetting as this money was really very important for my mothers health and having had the run around for over 6 months has been overwhelming. It is not a small amount of money that can just be ignored, moneygram must be held responsible for it and not be able to just wash their hands of it. 
Please find enclosed the receipt of the moneygram transaction as well as a bank statement from my mothers XXXX XXXX bank showing the money was never received
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My query is with Equifax mishandling of my credit file..I have two updated reports which displays account closed with XXXX balance from creditor XXXX XXXX XXXX  XXXX XX/XX/2022 confirmation # XXXX XX/XX/XXXX, XXXX # XXXX Creditor responded to dispute with attached documents sent from equifax..As of XX/XX/2022 account now has balance and late notation..The Fair Credit Reporting Act requires credit reporting agencies to report 100 % true and accurate information on a consumer file ... The information listed is misleading and false..I have included a copy of credit report displaying the account as closed XXXX balance never late from the creditor..This information needs to corrected on my file.with all.haste... I am trying to.refinance my house..The information currently showing on.my file is not true and needs to be correct or deleted..Thank you
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

{$890.00} is missing from my TD Bank Checking Account. On XX/XX/22 & XX/XX/22, I deposited money to my checking account bringing my balance to {$3700.00}. I got a teller check in the amount of {$1200.00} to pay my rent leaving me a new balance of {$2500.00}. On XX/XX/22, XXXX XXXX credited {$65.00} back to my Checking Account bringing my balance to {$2500.00}. On XX/XX/22, I paid my {$60.00} prescription with my TD Bank card lowering my balance to {$2500.00}. On XX/XX/22, I deposited {$1300.00} to my account. My new account balance after this deposit should have been {$3800.00}. Instead after making this deposit, my balance was only {$2900.00}. A difference of {$890.00}. I have no idea where this money went. I didnt withdraw it or charge it. So I sent an email to the Vice President of TD Bank. I want this amount restored to my account
Consumer complaint received 2022-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MORTGAGE SOLUTIONS OF COLORADO (WA)

We submitted payment on XX/XX/XXXX for our mortgage payment. 5 days later the money was still in my bank account so I inquired with the mortgage company and they said they got a generic kickback of the payment from the bank. I then submitted payment on the phone with the representative. She stated that the account would not be marked as delinquent since payment was processing. 
Two days later I am notified by email that I have a late payment. We am going to lose our current home loan as we are in the process of purchasing a new home.

I tried to talk to the lender and resolve issue. They refused to transfer me to any other person. I called three times. I eventually got an address to send a letter overnight.

I asked for an investigation based on the conversation I had with the agent on the phone and I do not know how the process will be resolved with me. The agent told me this happens a lot. This is an unfortunate practice that is going to financially impede a home purchase.
Consumer complaint received 2022-06-06
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. (FL)

In Accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. In accordance 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 
These addresses does not belong to me
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (TX)

I got an alert late in the evening around XXXX XXXX. That there was a hard inquiry on my credit by them. They told me the system does those inquiries for banks to do credit checks. I told them I didnt recognize. They mentioned they were going to put it under observation. But now I know that does not exist. That means they will not take it off. Im really upset with something hurting my credit without my consent. I spoke to XXXX they told me that I just need a letter to show that I made a report with you. Then send it by mail to them so they can have report of this and take that inquiry with my consent off my credit report. Please help me get this letter from you so I can send to them