davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Hi! 

I have a mortgage with Carrington Mortgage on XX/XX/2018 I set up automatic payment arrangements to catch my mortgage up, because I missed my XX/XX/XXXX Payment due to being off work for a medical emergency without pay. These payments were scheduled to come out automatically on XX/XX/XXXX, XX/XX/XXXX and then I would have to call in for the XXXX payment. The payments came out as suppose to for XX/XX/XXXX, however the XX/XX/XXXX payment did not come out on XX/XX/XXXX so on XX/XX/XXXX when I realized it didn't come out I went into the payment portal and made the payment online myself. Well on XX/XX/XXXX, Carrington tried to process that payment as well as the one originally scheduled which caused my bank account to go into overdraft for one of the payments and it was returned. The payment that was automatically scheduled was paid with funds in my wells fargo account that day. That amount was XXXX. I found out in XX/XX/XXXX, that Carrington is now saying they received no payment in XX/XX/XXXX, and that it was returned. This is not the case. Only the payment that I tried to make when the original payment they were suppose to pull didn't come out on time. The payment that Carrington automatically deducted did come out and I have a bank statement showing that deduction. I have contacted Carrington numerous times about this payment and have told them and explained what happened, and I was given a fax number for their research and investigation department. I sent them a letter explaining what happened and a copy of my XX/XX/XXXX bank ledger directly from the bank. As of today XX/XX/2018 they are still saying they have no record of that payment at the mortgage company and that it is being researched. I am making a payment today, but because of this it is still showing me one payment behind which is not true. Thank you for your help.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (IN)

I have disputed this debt over and over again. It is not my debt. The debt is a result of ID theft. I have already filed a report on this with the ftc. I am continuing to be affected by this debt through my credit report and it has caused me a huge financial hardship. This debt needs to be validated with my signature and a proper verification.
Consumer complaint received 2018-12-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I requested that Ad Astra validate debt XX/XX/XXXX via XXXX XXXX XXXX and on XX/XX/XXXX they sent me a statement for payment in the amount of {$180.00} but still nothing validating that I owe this debt. This information is reporting to my credit reports inaccurately the Date of loan per the statement shows XX/XX/XXXX.
Consumer complaint received 2018-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc (MO)

I recently obtained a copy of my credit reports and noticed that Medical Commercial Audit has added a collection account that is not owed on Acct # XXXX. That was paid prior to being reported and is now reporting on my credit report which is unfair collection practices. This company is also reporting inaccuracies such as last payment date and date of first delinquency Please delete and remove this account # XXXX from my credit reports.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been having issues with the information on my credit report. 
My only address XXXX XXXX XXXX, XXXX, OH XXXX. 
My Current Employer is XXXX Please delete/remove this following address, I do not live at XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mines please delete/remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-12-18
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: Diversified Consultants, Inc. (CA)

XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-18
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: CL Holdings LLC (AL)

XXXX XXXX XXXX is still reporting to XXXX when I have the deletion letter that they have sent me on XX/XX/2018! I have faxed this deletion letter to XXXX  showing proof but they told me XXXX XXXX was still reporting! If this does not get fixed I will be taking XXXX XXXX and XXXX  to small claims for damages!
Consumer complaint received 2017-10-02
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: EQUIFAX, INC. (MD)

I am writing to express my dismay and anger over the recent security breach at Equifax, and their response to it. 

It is bad enough that these private entities are allowed to profit off of MY credit history information, but then to have them handle that information with such negligence is infuriating. 

After the fact, their attempt to profit off of their own mistake by enrolling people in a credit monitoring service is just icing on the cake! 

The gall of these people! 

Please consider ways that you can provide better protections to the little guy, people like me, from abuse, negligence and fraud on the part of these banks, credit organizations, and others.
Consumer complaint received 2018-07-22
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. (NJ)

I have a Federal student loan in which has been in forberance for years now and i was currently enrolled in this program due to lack of funds over the years. Now on XX/XX/2017 i was still enrolled in this program, Nevertheless this company XXXX reported me as 90 days late payment in which completely ruined my credit alltogether. And to make matters worse they're increasing my student loans by thousands of dollars it was orginally XXXX and now its changed to XXXX thats makes absotely no sense. XXXX increase in interest over a matter of months is unheard of and beyond me. I've on numerous occasion called and called and they even verified they had my wrong contact information and phone number, basically stating it was an company error, however they refuse to report the correct infotmation to the credit bureuas and have these late payments removed!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (TX)

They contacted my husband about my debit dont know how they got his number and gave him information on my debit that he has nothing to do with his name or phone was not on account they never contact me they are calling other people that know me XXXX XXXX  cause problems between me and my husband
Consumer complaint received 2017-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX " XXXX XXXX '' sent me a regular quarterly report on my rating by the 3 major credit agencies ( XXXX, TransUnion, & XXXX. As to TransUnion, they showed credit activity of someone named " XXXX XXXX XXXX '' ( my name is XXXX XXXX- no middle initial ) ; it also showed employers, etc,, for XXXX XXXX XXXX where I was never employed, and similar errors arising from the mistaken consolidation of my records with his. I called TransUnion last week and told them about it, and they said they would correct it and send me a correction. The sent me a correction which dropped all reference to " XXXX XXXX XXXX ''. BUT the purportedly corrected report showed a number of credit accounts where the account numbers are not mine, and it also failed to show a number of my own accounts at the same banks, etc., I called them again this morning, told them about it, and they said they would transfer my call to " special handling '' -- but they did not transfer its=, hung up ( after a half hour on " hold '' ), and I finally realized that this outfit is just hopeless. If there is some way to get these people to pay attention to correcting their own sloppiness and behave responsibly, please help!
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

XX/XX/XXXX I called and sent via email to show that we paid out of pocket all taxes. I have requested and followed up for an overage of {$2400.00} owed back to us for paying out of pocket. 
I called again on XX/XX/XXXX and XX/XX/XXXX after being told we would receive an updated analysis of our escrow by XX/XX/XXXX, never received as well as a check for reimbursement. Seemed like it was resolved. 
Our account online shows they sent us a check on XX/XX/XXXX, yet did not receive it as of XX/XX/XXXX. 

Our account shows they sent us our bills for more money and showing funds were removed and not put back into our account of {$2400.00} - tax rep from our county/township/school has sent back money to our escrow and they are not returning money back to us from our savings account we borrowed from. So we are not out over $ XXXX due to bank keeping funds. 

I spoke to XXXX on XX/XX/XXXX who said this would be resolved and sent out analysis corrected and saw as well we were sent a check? Never got it it was never sent. 

I called again on XX/XX/XXXX to be told by XXXX that they are keeping the funds into our account. 
there have been a one or two other calls called by my husband as well. 

We are getting a run around over money kept in excess in our escrow well over the amounts after we asked again and again to run an anaylsis for funds needed to be paid and correct our XX/XX/XXXX payment to {$1500.00} ( + ) not {$1300.00} since they cant seem to correct our bank account mortgage. 

We have an account with the post office that shows us what mail we receive. Since that call in XX/XX/XXXX we only received two pieces of  mail the XX/XX/XXXX payment due since we now have over {$600.00} sitting in escrow for next year and XX/XX/XXXX payment due not corrected ... yet missing our {$2400.00} refund for overage of taxes we paid from our personal savings account for taxes due due to shortage in our escrow at that time of taxes due. 

I can provide copies as well showing post office and online documents received, etc ... if need be. 

It just seems there seems to be an excuse after excuse and nothing receive back to us except incorrect mortgage/escrow bills ... and money now missing in our account and told it went back into our account. I tried to log back in and now I am locked out of my account online? 

In 30 years of having a mortgage I never experienced such a run around and mess like this ... can I find another bank without points, etc..? What are my rights?
Consumer complaint received 2018-12-18
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BMW Financial Services NA, LLC (CA)

XX/XX/XXXX we filed a chapter XXXX! The BMW was not included at all in the bankruptcy! I turned in the BMW in XX/XX/XXXX! And yet they are still dinging my credit without my approval! This is definitely hurting my credit rating! I feel like I'm a Target I work very hard to have very good credit and yet they're still dinging me! This is America which is XXXX, I'm sure there's many XXXX people who experiencing the same situation! Trying to destroy us for no other reason than the XXXX of our skin! 
XXXX XXXX XXXX
Consumer complaint received 2018-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

I called in XX/XX/2018 to get a fee waived for late payment. I advised the representative the payment had been made a week before its due date. He indicated I had to many fees waived in the past, and I would have to pay the full amount because it was received late. I advised the representative I would pay, but to cancel my account. I sent in a payment for the amount noted. Sears went bankrupt and turned over collections to Citi Bank. I start receiving robo calls from Citi Bank in XXXX. I wrote a letter to Citi Bank XX/XX/XXXX asking for the calls to stop, and noting the account had been paid in full and canceled. I received a letter back stating to call their collections representative. I called and have not been able to speak to an individual. All the numbers listed go to a touch tone service for arranging to make payments. Since I do not have a Citi Bank account, the number for them simply cuts off. The collection agency reported the incident to the credit bureaus, and it has negatively impacted my credit rating.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

On or about XX/XX/2018, I opened a Citibank Account Package ( checking account and savings account ) with a promotional offer for {$400.00}. The terms were : " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' On or about XX/XX/2018, I deposited {$15000.00} of new-to-Citibank funds. I allocated {$10000.00} to the Citibank checking account and {$5000.00} to the savings account. 

On or about XX/XX/2018, I had held the {$15000.00} minimum balance continuously for 60 days. 

On XX/XX/2018, 120 days from meeting the promotional requirements, I have yet to receive any promotional funds.
Consumer complaint received 2018-11-01
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. (MI)

On XX/XX/XXXX I disputed the inaccurate date of deliquency with Experian and this company responded on XX/XX/XXXX with no correction of the information provided to the credit bureau. I have emails stating the first date of deliquency for loans sequence XXXX was XX/XX/XXXX and XX/XX/XXXX prior to me filing a Chapter XXXX bankruptcy in which these loans were included. I spoke to the company and they stated they sent a request to the owner of the loans and hadn't received a response however XXXX still reported inaccurate information to Experian that is negatively and inaccurately reporting on my credit report. XXXX also sent me information on XX/XX/XXXX showing the current loan status for each loan and it states " claim paid '' but this is not what is showing on my credit report as of date. These loans are beyond the 7 year reporting period, no payments have ever been made by me for any loan. I dont have a contract with XXXX and never have held a contract with them regarding these loans. My credit report payment history legend is incomplete and missing payment data.
Consumer complaint received 2018-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

Says I owe {$1100.00} for a XXXX XXXX mobile home park but I dont know where this came from and from the look of things they have the wrong year for my date of birth and it keeps disappearing on my credit and popping back up.
Consumer complaint received 2018-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NC)

The company claims I owe {$490.00} for XXXX but this is not my account and I dont know how it got on my credit because the social security numbers dont match. My social and the social for this debt is totally different.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan 1 and student loan 2. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation (MD)

I XXXX XXXX desire to work out a payment arrangement with XXXX XXXX XXXX XXXX directly. As a public utility this company is governed by a public service commission, not protected by the Fair Credit Reporting Act. In addition, this account has been sent to two collection agencies to illegally cloud my personal credit rating, without written consent or assignment to collect being sent to me directly. Accordingly, this collection must comply with the legal collection process as mandated by FTC v. XXXX XXXX XXXX XXXX. These collections need to be deleted and as I stated, I will work out any payments, if required to XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-12-16
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. (GA)

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. Experian failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track  record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, Experian, and XXXX. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX - XXXXXXXX XXXX
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (CO)

On XX/XX/2014 I appeared in XXXX XXXX County Court to settle a dispute with XXXX XXXX XXXX. Case # XXXX was heard by Judge XXXX and DISMISSED. The matter was resolved on the spot and closed. After repeatedly being turned down for employment and credit extensions in the last few years, I requested my free credit reports to discover negative information reported from Professional Finance Corp as collection on behalf of XXXX XXXX XXXX? I called them directly but received no direct answer or call back from messages left. I disputed the information TWICE with the credit bureaus directly to have them refuse to remove this false reporting? I have provided copies of the court dismissal documentation issued from XXXX XXXX County court and the are still non compliant.

I do not owe Professional Finance Company anything. The issue between myself and XXXX XXXX XXXX was resolved directly, in court!!! 

This negligence has cost me employment and is hindering my ability to survive as a result.
Consumer complaint received 2018-11-30
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: Medical Data Systems, Inc. (ME)

XXXX XXXX XXXX is using MEDICAL DATA SYSTEMS to report a negative account for the amount of {$360.00} dated as opened XX/XX/2018. I have been unsuccessful in communicating with both agencencies XXXX  and XXXX that this debt does not belong to me, i did not open or sign this account, it has not been properly verified as accurate as i was not ever at XXXX XXXX XXXX and I have never been serviced or obtained a debt from XXXX XXXX XXXX therefore MEDICAL DATA SYSTEMS needs to cease collection of this account.