davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

I have a foreclosure sale date on XX/XX/XXXX because Carrington has never reviewed my paperwork and never checked to see that I have the ability to pay my loan. I got sick from Covid and was unable to work and Carrington gave me a three month forbearance to help my family out. At the end of the forbearance I tried to make my mortgage payment and they told me not to, because they were going to review me for loan modification. I have spent close to 2 years going back and forth with them. They have never reviewed my documents that I have sent over and over and they would not accept my mortgage payments and now I owe them $ XXXX and if I don't pay all of it in two weeks they are going to foreclose on my house I live in with myself and three children. This is wrong. I should not lose my home because I became very ill during the pandemic, because I am back on my feet and can afford my payment, I just need help with the missed payments. 

I bought my home in XX/XX/2020. I work as an assistant manager at XXXX and when Covid hit in XX/XX/2020 I became very sick. I had bad chest pains and cough for several weeks but I kept working because I needed to pay the mortgage and feed my family. Eventually it got so bad that I could not breathe and I got tested and found out I had Covid. I wanted to go back to work but kept testing positive and since it was a restaurant job I had to quarantine. I missed a lot of work and was having issues with my XXXX and XXXX and XXXX XXXX XXXX. The doctors found that I have some scarring in my XXXX and I am still suffering side effects today. 

When I called into Carrington to explain the situation they offered me the XXXX month forbearance which was very helpful. At the end of the XXXX months I was back at work full time and my son was also working at XXXX as a shift manager so our family had the ability to resume making our payment. But the people at Carrington told me NOT to make the payment because they were going to give us a modification. For the past XXXX years I have been sending in my documents over and over and they say sorry, you are missing documents and we can't review. I kept telling them that I wanted to start making payments again because I did not want to fall further behind, but their people said not to pay because they did not know how they were going to handle the modification with the late payments. I was told more than once that I had a complete package and that I was going into review, then a few days later they would say I was missing something. I am very confused and do not understand why they make me go in circles. 

Now I am facing foreclosure sale on XX/XX/XXXX because Carrington never actually reviewed my finances and ability to pay. We have the ability to pay, we had it when the forbearance ended and we have it now, but Carrington has never given us a chance.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

This is my second complaint I am opening due to the last one being closed by Ally Financial without providing the document I have been requesting. There has been zero resolution to the issue. 

The original consumer complaint # is XXXX XXXX Here is a timeline : Prior to XX/XX/year> - I called originally to have it mailed and faxed to a XXXX XXXX. 
The XXXX XXXX never received the fax. 
I called two more times to resend fax. 
Never sent the fax. or the paper mail version. 

XX/XX/year> - I explained that I never received the document- said they would send it. 
XX/XX/year> - Received document tor a vehicle I do not own. ( Which Im sure this is a privacy violation ) XX/XX/year> - I explained they sent document for a vehicle I do not even own. I requested the correct doc be overnighted. He got approval to overnight it and assured I would receive it in the next few days. I never received it. 
XX/XX/year> - I once again explained situation + that never received it from last call. She got approval to express mail it and once again, I did not receive it. 
XX/XX/year> - Allys executive customer service department called me to say they received my consumer complaint and said they would get the document express shipped out immediately. She also said she would call to verify it has been sent and would leave a voicemail if I missed the call, with as much info as she could within company policys in a voicemail to let me know it has been sent. 
XXXX complaint to attorney general of Texas and Pennsylvania. 

I have not received it to this day and they just closed my complaint. 

I have never felt so hopeless or frustrated. I need this document to submit to the DMV so I can receive my title and sell my vehicle. My car is just sitting there, depreciating for months on end due to Ally Financial.
Consumer complaint received 2023-05-11
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. (PA)

Great, here is the revised letter with the information added : Dear XXXX, XXXX, and Experian I am writing to dispute the account information related to my XXXX account, as it contains inaccuracies and discrepancies. The information provided by your credit reporting agency regarding this account does not accurately reflect the payment history and status. I request a thorough investigation and correction of the following discrepancies. 

Experian : According to Experian 's report, there are six potentially negative months associated with the XXXX account. The account is shown as closed, with a charge-off status and a balance of {$0.00}. The report indicates multiple past-due amounts, including 30, 60, 90, 120, and 150 days. However, the data regarding past due 150 days is unavailable. The status is listed as closed with a {$310.00} write-off. The last payment date is reported as XX/XX/XXXX, which contradicts the reported charge-off status. This discrepancy requires investigation and clarification. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. There was a 30-day late payment in XX/XX/XXXX and two full payments in the following months, except in XX/XX/XXXX, when there was a XXXX late payment. After XX/XX/XXXX, all payments were late, leading up to a 150-day late payment in XX/XX/XXXX and a charge-off status in XX/XX/XXXX. 

XXXX : XXXX 's report for the XXXX XXXX XXXX account indicates one late payment in XX/XX/XXXX. The account is shown as closed with a charge-off status and a balance of {$0.00}. The status was updated in XX/XX/XXXX. However, the report does not provide information on the highest balance. The discrepancy between the reported late payment and the charge-off status requires investigation to ensure accurate reporting. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

XXXX : XXXX 's report for the XXXX account shows a closed account with a charge-off status and a balance of {$0.00}. The account type is listed as a revolving account, and there is no payment history available to display. The status was updated in XX/XX/XXXX, and the highest balance is reported as {$2000.00}. However, the discrepancy lies in the absence of payment history and the charge-off status, which needs to be resolved. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit reports accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy. 

I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give XXXX, XXXX, or Experian written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. XXXXXXXX XXXX XXXX XXXX XXXX  this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX XXXX XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... .DEPT OF EDUCATION ACCXXXX XXXX XXXX in the amount of {$1100.00} This account has three different account status types across each agency. XXXX has the account listed as refinanced Experian has the account listed as paid and XXXX has the account listed as derogatory. Payment status is listed as current with XXXX Experian has the account listed as a collection/chargeoff and XXXX has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this account
Consumer complaint received 2023-05-11
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. (TN)

I sent several letters to all three credit bureaus- however, none have returned responses or had investigations. This is hampering my ability to get credit. I have great credit and these small, inaccurate items are affecting my ability to obtain credit.
Consumer complaint received 2023-05-10
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. (MI)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
Consumer complaint received 2023-05-10
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. (IL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-05-11
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. (PA)

Dear Sir/Madam, I am writing to bring to your attention an issue that has caused considerable concern. Upon a thorough review of my Transunion credit report, I have identified 23 inquiries that do not seem legitimate. Specifically, the hard inquiries made by XXXX XXXX on three separate occasions in XX/XX/2022, and other inquiries from entities such as XXXX  XXXX, XXXX and XXXX indicate potential fraud or unauthorized activities on my account. Additionally, other entities like XXXX, XXXX On The XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX made similar unauthorized inquiries around the same time frame causing significant damage to me unnecessarily regarding creditworthiness issues. I must also state that similarly unauthorized requests were made by XXXX XXXX XXXX  XXXX ( on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX ( on XX/XX/XXXX ). Having successfully disputed these attacks against my XXXX report in the past has given me hope for a quick resolution for a complete investigation with immediate initiation into this matter by Transunion. knowing high urgency drives results. I expect confirmation upon cessation of review & their respective removals, renewing confidence extending good faith towards quick resolution while standing willing to share further exchanges at XXXX. Thank you for your prompt attention devoted actively disarming unlawful third party predators stand warrantied deflagration completely & professionally resolved making things right again.Sincerely, XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I've notified Experian I was the victim of identity theft a year and a half ago and had locked and frozen my credit at that point. This weekend I had received notifications that my file was unlocked and there were applications that resulted in credit inquiries today. I called Experian and found out that my entire online profile had been taken by a fraudster they had changed the security question, email, and phone number leaving me with no access to my account with no contact from Experian. I have 2 active monitoring services and thanks to them I was able to catch this. I tried to question Experian on the changes made to the account and they had no answers other than it was a hack, how a credit reporting agency would accept substantial changes from a known fraud victim without a single question is beyond me. I have mailed and faxed them the identity verification bbut in the next 30 days that it takes them to validate I am myself I have no control over my own credit report and am unable to get a copy if I tried. I just feel they must be held to a higher standard as a financial institution of their size and influence or they will hurt other consumers badly. I had 2 applications come in this morning because this bad actor was able to unfreeze my credit and apply for a loan on a XXXX and an XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

On XX/XX/XXXX when making a payment online I noticed my available credit balance was {$0.00} though my credit limit is {$3200.00} and my balance was {$1100.00}. I started an online chat to find out what was going on and found that my account had been closed on XXXX. I did not receive a letter as to why. I was then transferred to a specialist who informed me my account was closed due to Discover not being able to verify my personal information. I then was asked to call XXXX to get additional information. I was told I was sent 2 emails and they had called me in XXXX to verify my personal information though I did not receive any communication so was unaware of said request. In the meanwhile, I'm making payments well above the minimum payment and there has been no issues or reach outs to me for anything. 
XXXX {$3.00} Online Cashback BonusRedemption Payment XXXX {$500.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$1500.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ending XXXX XXXX {$21.00} Online Cashback BonusRedemption Payment XXXX {$170.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ending XXXX XXXX {$250.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$62.00} Automatic Payments XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ending XXXX XXXX {$360.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ending XXXX XXXX {$48.00} Online Cashback BonusRedemption Payment XXXX {$1.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX I have been a customer since XXXX and do not believe permanently closing my account is warranted when I did not receive any communication on needing to verify my personal information in XXXX, did not receive a letter that my account was closed in XXXX and clearly from the payments I have made above I am fulfilling my obligation and then some in order to have my account in good standing. In fact, as wrong as this is I just paid my balance in full. I am a real person and if something was needed from me I should have been contacted. 

Thank you for reviewing this situation. 
XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (TX)

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. 


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 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.

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.