davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My mortgage loan was sold to Carrington Mortgage by XXXX XX/XX/XXXX. I was told my first payment to Carrington would be due XX/XX/XXXX. When I finally spoke with Carrington I was told I owed them for XX/XX/XXXX and XX/XX/XXXX. When I tried to make a payment I was told I could n't make a partial payment. XX/XX/XXXX I paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and told my next payment due XX/XX/XXXX. 
When I called to make the payment I was told I was told I owed for 2 months and could n't make a partial payment. So I contacted Keep Your Home California to apply for the Mortgage Reinstatement Program. I called Carrington to inform them I applied for the program I gave them the Homeowner ID and was told okay. Because of the dates I deposited my checks KYHC said I had a income increase instead of a decrease. KYHC informed me XX/XX/XXXX. I called Carrington XX/XX/XXXX and informed them I wanted to bring my mortgage current I was told I owed a little over {$12000.00} and attorney fees but they could n't give me an amount for the legal fees and asked if I had the full amount I told them yes. I was then told they could n't accept the payment until after they contacted the foreclosure dept. to find out how much the legal fees amount and because it was the holidays they would send me a letter and an email the beginning of the year. On XX/XX/XXXX I received a letter from Carrington stating A Notice Default has been filed on XX/XX/XXXX.
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (FL)

In 2013 a have singed off my paper work for withdrawal from XXXX XXXX college in XXXX XXXX XXXX, this was a recommended procedure from carrier services because I have a job offer in a different city, at that moment I was confirmed/ instructed by this school the indicated procedure to avoid any charges, I have financial aid to cover my tuition, I 'm paying on time every month for it. XXXX college have put in collection amounts about my tuition, the information provided to me at that time is completely different today. 

I did contact with the school and I 'm still waiting they contact me back with any information, contacted the collection company the ask me to contact the school. 

1. - I had completed ( on time ) my paper work for withdrawal from the college. 
2. - I had done the procedure the school recommends me to do. 
3. - Amount mentioned do not make any sense, since I only had attended to XXXX chases. 
4. - actually I 'm paying for government financial aid for XXXX dollars. 
5. - Every month ( 3 month ) at school I did a payment for the difference between what the financial aid on my tuition. 
6. - They have in my files all my paper work including my official withdrawal ; I have never stopped attending to School. 
7. - A company is calling me and sending letters about collection from this school, I have asked to dispute the amount but they say I had 1 month to do it, this company called my about 2 years and 1/2 after and they stated they do n't have nothing to do If I ca n't dispute this case because the time is expired.
Consumer complaint received 2024-08-15
Product: Credit reporting 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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control
what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (AZ)

Credit Line reduced from {$2500.00} to {$500.00} immediately following payment in full of the credit card balance. I contacted Barclay Card to determine ( per XXXX XXXX ) that the credit limit was reduced due to balances on other lines of credit. I advised her that such credit reports do not indicate current information regarding such balances and I offered to provide account statements ( including checking account activity ) which confirms that other such balances have, in fact, also been paid in-full. My request for consideration of alternative account balance verifications was declined. The reduction in the Barclay Card credit limit affects the available credit reported on the various credit bureaus, and thus has a financial impact ( damages ) resulting in otherwise higher interest rates and other adverse credit actions. I feel this scenario clearly indicates that Barclay Card is engaging in unfair practices by not providing an alternative resolution protocol in this matter. This issue has happened previously ( XXXX 2014 ) in which Barclay Card restored my credit limit following receipt of my prior complaint filed with the CFPB in that matter. I am requesting that the CFPB conduct a full investigation into possible unfair actions being conducted by Barclay Card.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was notified of negative activitiy in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, XXXX and TransUnion " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A XXXX balance report did not address the fact that I did not use the credit card and was not responsible for the late payments report. I have not made any payments to XXXX XXXX XXXX, by their reporting a XXXX balance it suggest to the credit reporting bureas that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a XXXX balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintained. Thanks for your support in this endeavor.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (CA)

I asked, DEBT VALIDATION to XXXX XXXX thiscollection account.They do n't have a any evidence belong 's to me. 
XXXX reported on XXXX Credit Bureaus on XXXX/XXXX/2014.I requested remove wrong item more thanXXXXtimes, XXXX times called.My Credit score or credit statement is damaged now
Consumer complaint received 2016-01-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WI)

Loan Modification denials after 2 attempts. Underwriters not on same page I contacted Wells Fargo XX/XX/XXXX to explain to them that I lost my job and was in fear of falling behind on my mtg. I was offered nothing and was told that my loan had to be in default before I could do anything. I turned to XXXX XXXX to help me with the process of gaining a loan mod or forbearance, upon completion of the paperwork I was offered a position and was told that I would no longer qualify for the unemployment forbearance. I gathered all of my documents and stressed that my grandparents ( both in XXXX, XXXX under XXXX and the other suffering from XXXX XXXX ) we on the loan however, they have their own residence and do not contribute to the household and I also have a transfer upon death deed filed with XXXX County. I was told by one of Wells Fargo 's underwriters that if I could submit an affidavit to this affect that my grandparents social security income would not be needed. Needless to say I was denied a loan modification, I appealed as I took on a part time permanent position and also had a contributor to the mortgage and utilities within the household, I supplied Wells with all of this information, just to be called XXXX/XXXX/XXXX to say that I was denied again! And was told that the current underwriter required my grandparents information. I stated why would they need this when the first underwriter stated that the affidavit that I had signed and notarized would be sufficient and that their income is in NO WAY used for any mortgage payments or bills at the home. This process has been going on for several months ( almost 6 to be exact ). I can not get a straight answer from Wells Fargo as to the documentation that they require and why they require it for my grandparents. I have been paying this mortgage on my own since purchasing the property and unfortunately I fell several months behind after losing my job.
Consumer complaint received 2015-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I have signed up with XXXX XXXX XXXX due to financial hardship. One creditor has called my job twice for me and was told that we not accept personal calls and to please not call back. Same creditor called my wife at work and she told them the same thing. Since XX/XX/XXXX this creditor has called my cell phone 14 times. I spoke with XXXX and they faxed a notice of harassment document to them due to them calling my job. I am not sure anything can be done but I use my cell phone for my job and I ca n't have it ringing while I am at work.
Consumer complaint received 2016-01-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mandarich Law Group, LLP (CA)

I have been receiving collection letter from mandarich law group for over four years trying collect on a debt that I do not believe is mine and even if it was mine statue of limitation on it has passed. even though I have been asking for debt validation on this account I have not been receiving no information on it. Also every time I look at my credit report I see illegal credit inquiry by mandrich law firm. What mandrich law firm is doing harassing me by their tactics to lower my credit score.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX/XXXX/2015 I visited the XXXX XXXX store in XXXX XXXX Ohio at XXXX to purchase a no contact phone ( prepaid ) for my teenage daughter forget birthday that day. I found the product that I wanted and upon check out and activation the sales person asked for my drivers license. He said it was protocol - I found it odd, he was in the " post sale '' screen, the rep had to ask for help over six times in the transaction - my checkout took over 50 minutes to check out. The rep then told me that in order to complete the " sale '' I needed to input my social security number - he told me that XXXX XXXX XXXX required it. I input the requested info and then I discovered he ran my credit ; I never gave them permission to do so and furthermore to purchase a prepaid / no contact phone a credit check is not warranted. When I complained to a manager and asked if my credit was run he said no it was n't - he said the rep did n't get that far ; he lied. Later that evening I received an alert that XXXX XXXX had in fact ran my credit ( without my consent ) I contacted XXXX XXXX the next day spoke to a manager who apologized for the mishap but nothing was done about it. I have been trying to raise my score so that we qualify for a home. I was told that it was illegal for XXXX XXXX to take advantage of me ; through out the " check out '' the rep kept trying to push me into a contract phone - I continued to explain I did n't want a contract - I believe he attempted to tak advantage of the transaction - if I would have gotten a " contract '' phone then he would have gotten commission. My credit score dropped as a result of their negligence and I believe they should pay for what they did to me
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NM)

A fee of {$35.00} plus {$2.00} taxes labeled " financial/insurance '' but when I spoke with a " banker '' at Wells Fargo I was told that I would be refunded this amount when it was discovered that I " qualified '' for free checking. It's fraud!
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

On XX/XX/19, my tax refund was sent to cash app account and deposited in the amount of {$11000.00}. Once the funds was made available in the cash app screen, I made one transaction to move {$51.00} from my cash app account to another cash app acount. It was accepted but customer could not use the funds applied. Then I moved tried to send money again and my card was disabled right after the first withdrawal was made. The next day XX/XX/19, my payroll check in the amount of {$370.00} was deposited and company stated that wouldn't be able to receive or send deposit because account was closed. I have been emailing customer support since XX/XX/19 and got a response from them on XX/XX/19 just confirming to me that the account was closed and I needed to contact my tax preparer to get funds recalled on their end. I reached out to tax preparer and the bank that issued the tax refund and they said that cash app had to reject the funds in order for a check to be reissued. Since cash app allowed the funds to deposited into the account and it shows up on the account its nothing they can do until the funds are rejected. I have filed a claim with IRS tax preparer bank, XXXX and now you all. You can only email customer support can't talk to anyone directly but XXXX is the representative who I have had correspondence with.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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.

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.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On numerous occassions I have disputed the account XXXX XXXX XXXX Account number : XXXX. You keep reporting inaccurate information on this account. I can prove in the court of law that you are reporting incorrect information on this account. Because of the constant dispute of this tradeline and you ignoring the Federal Credit Reporting Act that only accurate information be reported on my credit file, for the VERY LAST TIME, I need you to do your job and either correct this information or delete it for inaccuracy. I will not be disputing this account again after this complaint as I will be filing for in court for violations of the Federal Credit Reporting Act and asking for damages for for willful and negligent violations. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and if not corrected removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. I have attached a copy of my Passport and Social Security card for identification purposes.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-01
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: EQUIFAX, INC. (CA)

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

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 2016-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX Instead of XXXX. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied a credit card through XXXX and was denied due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous account with the XXXX which is paid up. It is frustrating dealing with and attempting to dispute and clarify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent by mail and not through the internet as I then have a copy for reference, particularly if I do not have the luxury of a printer or if there is an issue with obtaining the copy. Once the information is lost, it is lost. Also, have tried to find the credit reporting agency that submits the information to the bureaus in order to expedite and correct these issues with no luck. Please advise. Thank you for your understanding and assistance in this matter.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am disturbed that you continue to list the voluntary dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the FCRA ( Fair Credit Reporting Act ) mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed.