davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

The mortgage was purchased by Carrington Mortgage on XX/XX/XXXX ( transferred to Carrington Mortgage on XX/XX/XXXX ) from XXXX XXXX XXXX. We paid XXXX XXXX XXXX  the XXXX payment of {$1800.00} on XX/XX/XXXX with it showing as accepted by a transactions document ( sent from XXXX XXXX XXXX ) on XX/XX/XXXX. Carrington mortgage, who we did not send a payment to until XXXX, is stating they did not receive XXXX 's payment due to a return for non sufficient funds, which is false, because we did not submit a payment to Carrington Mortgage until XXXX of XXXX. We have contacted XXXX XXXX XXXX  and they say everything is good on their end, they received XXXX 's payment. Carrington does not see it at way and we have sent the documents to Carrington Mortgage from Amerifirst showing that the payment was accepted. We did not receive notification from Carrington on this matter, I caught it when I went to pay XXXX 's payment to Carrington that we were overdue for XXXX 's payment. Being it is a transfer of a mortgage, we had 60 days of no credit reporting/late fees according Carrington. We submitted documentation via email of history of transactions from XXXX to Carrington on XX/XX/XXXX via email with bank statements showing the payment as valid. They stated it would take XXXX business days to credit our account if the investigation was valid. We paid 2 payments on XX/XX/XXXX in the amounts of {$1800.00} for each payment to cover XXXX ( which really was not late but was in investigation still according to Carrington, who said over the phone they would credit the Payment of XXXX after investigation ) and XXXX payments. XXXX received a credit, via over the phone we were told, and then we paid XXXX 's payment on XX/XX/XXXX in the amount of {$1800.00}. In XXXX, we had a hit on our credit for XXXX being past due by over 30 days, because the credit did not happen according to " payment history '' on Carrington 's website. They then applied XXXX 's payment to XXXX 's payment. Every time we call, they seem to be lost at what has happened and do not see conversations logged in their system. We paid, what we consider XXXX 's payment on XX/XX/XXXX in the amount of {$1900.00} ( payment increased due to escrow increase ), which they will I assume apply to XXXX 's payment, which will also hit our credit report due to be " 30 days late '' according to Carrington. So now, we will have two reports on our credit report showing " 30 days late '' due to their inability to apply payments correctly, along with communicate to XXXX  on the matter, even though I have given them proper documentation from XXXX.
Consumer complaint received 2022-12-12
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. (GA)

Hi I am submitting this 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 XXXX XXXX over XXXX has me at a score around XXXX. 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 .This 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-11
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-11
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. (MS)

I asked that the credit agency remove negative collections accounts from my credit report because they have no right or permission to collect from me. From XXXX to XXXX of 2022, I have been going back and forth with this agency. I sent the agency the following letter : I, XXXX XXXX, am requesting these items to validate the collection of this debt on my credit report : -notarized, original contract with XXXX XXXX XXXX XXXX with my signature XXXX XXXX XXXX XXXX information : name, address, phone number -payment history, itemized billing associated with the account -proof of ownership : proof that XXXX XXXX XXXX XXXX is actually authorized to collect the debt from me You have 30 days to send information. This debt must be removed if items can not be verified. If you do not follow, you will be reported to the Bureau of Consumer Protection, will be found in violation of correctly validating this debt, and fined {$1000.00}. 

They have failed to remove the following collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC (TX)

Since XX/XX/2022, they have tried to charge my debit card 21 times. They have sent txt and call to family members letting them know they are reaching looking for me because of a debt. Unknown family members do not need to know. They call me about 10 times a day after i told them i can no longer pay them.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian hello, my name is XXXX XXXX, and my SS is XXXX. Experian has been operating outside of the mandate of the United State Congress granted to Credit bureaus. for over 5 years I have contacted Experian about the incorrect information on my credit file by mail, about 5 times, and by phone 2 times and they refuse to make the necessary correction. on my credit, they have closed accounts and charged off accounts, as an open credit line. At present, I only have XXXX open credit card account for {$1500.00}, but Experian is showing all my charges off and closing account open lines of credit. 
They have over XXXX different addresses I have not lived to in the past 5 years. This is one of the most dishonest outfits I have ever seen.
Consumer complaint received 2022-12-11
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: Global Lending Services LLC (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a Account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I contacted XXXX XXXX via XXXX XXXX to purchase XXXX XXXX badges from a XXXX girl scout group online. I made a transaction via Paypal ( shows up as XXXX XXXX XXXX ). XXXX weeks after " purchase, '' I have never received a tracking number or badges purchased. I reached out via Paypal to an individual seeking a tracking number, which was never received. I attempted reaching out via XXXX XXXX, but all messages are unavailable, and XXXX XXXX can no longer receive notifications. I have filed a dispute with PayPal and through my bank, and reported this individual on XXXX. I saw this scammer cross-posted on social media by many names, such as XXXX XXXX, XXXX XXXX, etc.
Consumer complaint received 2023-04-20
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: Resurgent Capital Services L.P. (MO)

Approximately 4 weeks ago I realized some erroneous/ derogatory information was being reflected on my credit reports. I first called to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. These accounts do not belong to me and I never opened or applied for credit with these companies/ banks. Was it done in-store or online? Is there a photo id or signature verification? What City and State did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? I had a primary residence for 15 years ( XXXX to XXXX ) ; then lived at a friend 's house for XXXX XXXX ; and have been at my current address since XXXX ( XXXX XXXX ). This can be substantiated with change of address status thru USPS as well as filed tax returns. I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop, order or conduct business with these companies/ banks. Those falsely reporting against me are : XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

My original complaint included two pre-paid XXXX  gift cards. I filed a complaint with the CFPB, complaint number XXXX. I was contacted by US Bank prepaid services at the end of XX/XX/XXXX regarding the two pre-paid XXXX  gift cards. The first complaint was completed and they sent me a new gift card based on their review, the second gift card required further information, so I sent them the additional information via their email provided and they informed me that it would take additional steps to complete their investigation. In the meantime the CFPB closed the original complaint and now US Bank prepaid department will not respond to my phone calls or emails regarding the second pre-paid XXXX  gift card. This is in reference to the {$100.00} pre-paid gift card with card number XXXX XXXX XXXX XXXX. I sent via email the representative XXXX who was assigned to my file the pictures of the original gift card and my government issued drivers license for them to re-register the card to me as it was assigned to another name and address. I would like US Bank to finalize their investigation on the second pre-paid gift card as I believe it has fallen through the cracks on their side and I have attempted to email and call to follow up with out any response. 

My original complaint for the pre-paid gift cards can be found below. 

We received two pre-paid XXXX  debit cards for XXXX XXXX and both of them have no money on them. These prepaid XXXX  debit cards reference the XXXX Each instance is outlined below for each card we received that we suspect fraud/theft on. Card number XXXX XXXX XXXX XXXX I opened the packaging for this card on XX/XX/XXXX and went to XXXX to see the balance of the card as this was the first time I was going to use it. The card balance was a {$1.00} which seemed odd for a balance of a card never used. I then went to the balance inquiry for the month of XX/XX/XXXX and it showed the card being loaded in XXXX NC XXXX on XX/XX/XXXX for {$150.00}. My wife 's sister lives in XXXX NC so this transaction makes sense. We live in XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, OR XXXX. Then the transaction history shows a purchase of {$140.00} in XXXX XXXX CA XXXX which is a place I have never heard of or have been too. The transaction happened for a purchase at XXXX. This is clearly a scam in terms of hackers and we never received the benefit of the {$150.00} gift card. Card number XXXX XXXX XXXX XXXX I opened this card a month ago in XX/XX/XXXX and tried to use it in the store. This card was a {$100.00} prepaid XXXX XXXX XXXXd. I have tried the card several times and tried to see the card balance on XXXX as instructed by the sticker on the card. I enter the card number to log in to their website and the website won't recognize the card. The card does not work and may have never worked as i suspect the card number was stolen during the holiday season of XX/XX/XXXX.
Consumer complaint received 2022-09-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

I sent you a question about why my mortgage company hasn't taken their money out which in drawing on on the XXXX of each month an has been since XXXX of 2020. 
Got a letter saying I'm late. But nothing about what I asked you. Why didn't they take their money on the XXXX. 
That's been my payment date since 2020. 
I'm still waiting and I will not pay a late fee for them not doing their job. 
Thanks. 
XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.

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 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 2022-11-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (NY)

After being alerted by XXXX about a collections on my credit report, I called AMSHERE COLLECTION SERVICE at XXXX XXXX on XX/XX/2022 lasting for 11 minutes. Upon being directed to the XXXX department I was greeted by one of their representatives. I did not assume any direct responsibility for the debt but simply asked for information concerning the debt and if there was a pay for delete option. After, the representative said they did not offer such services I said I would need to think about it and call back. Part of the reason being I was not entirely sure about the details of the debt but considered paying in order to save my credit. The representative said to wait a minute and a second later, a man started speaking, and announced himself as the manager over-watching the trainees callhe did not announce his full name. Following this, he began to speak in a very aggressive tone and stated that the only reason I considered paying was because it was impacting my credit and that if I cared about my credit in his opinion and years of experience the best way to settle this was to not allow a bad matter get worse. If I were not to pay this now it it would have a detrimental impact on my credit. The quote mentioned above is almost verbatim what he said. If anyone were to review the call they will find that not only did he use an aggressive tone ( and I dont use that adjective easily ), he would not allow me to even get a single word out to explain the situation that the debt might not be mine. If I said any words he would just continue to shout above my voice and say that in his opinion, in order to prevent further harmful damage to my credit I should pay the debt that is owed and that once referred to as a settled account this will be better for my credit. The man continued to use an aggressive tone with me and I said that threatening me with credit repercussions and doing so in the aggressive tone of voice would not illicit a potentially invalid payment from me. After hearing my dispute he said regardless of your reaction of shock regarding the collection, the facts are the facts and this debt is yours. I said I did not want to continue this conversation and he said you can hang up now if thats the case. Afterwards I called back Amshere Collections XXXX  department at XXXX XXXX, lasting 3 minutes, to collect the mans full name to file a complaint. His name is XXXX XXXX. I had no issues with the initial representative because she was kind and respectful. A simple review of the recorded phone call will certify my complaint. Thank you for your time.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

Ive tried reconcile with the credit bureaus but no one wants to help me out. I have hard inquiries on my account that I do not recognize at all. I am currently still not looking to apply for anything so I dont understand why are they there. Ive gave them evidence stating I did not give these companies to check my credit at all. 
Inquires are : XXXX XXXXXXXX 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 2022-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diaz & Associates, Inc. (MO)

I got a call from the company around XXXX and asked for them not to contact me that the debt is over XXXX XXXX XXXX and it was paid off. Starting XX/XX/2022 I started getting text messages from a XXXX which is a local number to me from the same company. I called the company and spoke with someone about this and told them I told them to stop contacting me and explained the dept was paid and to stop contacting me. The gentleman gave me his word he would delete this debt from his system. as of XXXX I am still getting text messages from this company.
Consumer complaint received 2022-12-11
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: CCS Financial Services, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (UT)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Checked Credit Report And Do Not Recognize These Hard Inquires 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX