davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MT)

We started dealing with Carrington Mortgage in about the middle of this summer and ever since they have bought our mortgage from XXXX it has been a complete XXXXXXXX XXXX. The main reason I am filing a complaint, is because of the lack of knowledge this company seems to have to even be capable of dealing with people 's loans. Since XXXX my husband and I have been dealing with issues involving our home insurance. In XXXX we started getting letters from Carrington stating they would be " buying, '' us home insurance at a significant price since our home was not insured. After multiple calls, emails between Carrington and our insurance company XXXX out of XXXX, XXXX, I was told Carrington hadn't uploaded paperwork right to show we had insurance. So I want you to understand, we were getting threatened from Carrington that they were going to buy us home insurance when I kept stating to them we had home insurance and they had been notified by XXXX XXXX XXXX XXXX XXXX  we were insured under them. Now, note in XXXX I start getting e-mails from XXXX insurance XXXX our home policy is about to get cancelled because Carrington hasn't payed our policy of {$1300.00}. I e-mail their advocates department because nobody else in their company seems to know what is going on, and when they finally call my husband, they tell them they would be happy to pay the bill if XXXX 's would send them the bill. Excuse me? So now this week, after I have given BOTH companies information to communicate between each other and to get the bill payed, I get an e-mail from XXXXXXXX XXXX our home insurance policy is now pending termination if payment is not received by XX/XX/2023. Yesterday, XXXX XXXXXXXX  got a hold of someone, I'm assuming a manager named XXXX, who was very RUDE and I'm assuming new to the position since she couldn't even find the right address for XXXX XXXX to send the payment to and than she said they had been trying to get a hold of XXXX XXXX XXXX for payment who we haven't even been through since this summer. I have more to complain about with this company as I'm sure XXXXXXXX XXXX does XXXX XXXX XXXX out of XXXX, XXXX. I also would like to bring up no over payment checks with our escrow being sent out or our mortgage payment going down with a cheaper insurance... where is all this money going? Hopefully this gets the ball running and I absolutely expect this to get checked into as this has caused us a great amount of stress and undue hardship dealing with this company.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022 and XX/XX/2022 but the bureaus did not remove them nor prove proper validation. 
Sec. 602. States " I have a right to privacy '' 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 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 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 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 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 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 XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2020-04-01
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. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

US DEP ED XXXX {$9300.00} XXXX  XXXX {$2600.00} XXXX   XXXX {$110000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$3100.00} DEPTEDXXXX XXXX {$7100.00} XXXX  XXXX 'XXXX  XXXX {$1600.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX   XXXX  XXXX {$3100.00} XXXX/XXXX  XXXX {$500.00} XXXX   XXXX {$750.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX  XXXX {$3500.00}
Consumer complaint received 2023-05-02
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. (PA)

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS
Consumer complaint received 2022-12-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WV)

My mortgage is through Carrington mortgage inc. Back in XXXX my local tax department had my property taxes coded wrong and was charging double taxes on my property for that tax period. I went to my local tax department on XX/XX/XXXX and had it corrected. I called my mortgage companies tax dept and sent a copy of the correction. They still charged me an extra {$300.00} for the month of XXXX I paid it. They said call back in XXXX weeks and the system would be updated. I've called every XXXX weeks and still have told me the same thing. I was charged an additional {$300.00} for the month of XXXX and now again for XXXX. My house payment should be XXXX a month not {$850.00} a month. They tell me they see where the correction has been made but saying the escrow hasn't been updated. I can not afford XXXX a month. That is why I bought a low value home within my budget and can not afford to make a 850 monthly mortgage payment that is over half of my family 's monthly income. I tried to make my regular {$550.00} payment and it will not go through. Says they will only accept a minimum payment of XXXX. Please help me.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (FL)

IN XX/XX/2023 I OPENED AND GOT APPROVED FOR A CREDIT CARD WITH XXXX XXXX XXXX  AND THE CREDIT CARD FROM SYNCHRONY BANK CREDIT CARD. SINCE I HAVE NOT RECEIVED THE PHYSICAL CREDIT CARD OVER THE MAIL, I CONTACTED THE CUSTOMER SERVICE DEPARTMENT AT SYNCHRONY BANK, I EXPLAINED THE SITUATION AND THEY TOLD ME THEY WERE GOING TO SEND A NEW CARD, BUT I NEEDED TO ANSWER SOME QUESTIONS. I AGREED, AND THEY STARTED ASKING THE QUESTIONS AS IF I HAD LOST OR IF THE CARD WAS STOLEN, THEY ALSO ASKED IF MY WALLET AND GOV ID WAS STOLEN OR LOST. I EXPLAINED TO THE LADY THAT I HAD NOT RECEIVED THE CARD OVER THE MAIL, AND THAT IT HAD NOT BEEN STOLEN. THAT THOSE QUESTIONS WEREN'T RELEVANT TO MY CASE. SO I ASKED TO SPEAK TO A SUPERVISOR, THE SUPERVISOR BASICALLY TOLD ME THAT IF I WOULD NOT ANSWER THOSE QUESTIONS, I WOULD NOT GET THE CARD. THEY MADE ME WAIT OVER AN 30 MIN AND THEN THE CALL GOT DISCONNECTED. MY CONCER IS THAT I WAS APPROVED FOR A CREDIT CARD IN THE AMOUNT OF {$12000.00} AND NOW I DONT HAVE A PHYSICAL CARD.
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (TX)

Hi, I used a Self Credit Builder Loan to build my credit report. The Self.Inc company claimed that the product was a bank-held Certificate of Deposit and I'll get back money after pay-off the loan. I opened a Self Builder Account on XX/XX/XXXX and then paid-off the loan on XX/XX/XXXX. According to Self company terms, They'll send back my loan totaling {$1600.00} to my bank account but since then they blocked my account and never pay me back. I've been trying to contact them for two months and they are just going around but never intend to pay back my money. I ALREADY SENT ALL DOCUMENTS VERIFIABLE BUT THEY STILL KEEP MY MONEY!!!
Consumer complaint received 2022-12-23
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MD)

On XX/XX/year>, I purchased and mailed a {$500.00} money order through Western Union to XXXX XXXX  which was later confirmed to be cashed on XX/XX/year>. Upon learning it was cashed, I contacted XXXX XXXX, who confirmed they hadnt received it. I initiated a tracing request with Western Union on XX/XX/year>. After multiple follow-ups, I received a photocopy of the cashed money order by email over 70 days later, revealing that the payee and other fields had been altered. 

There have been long delays and conflicting information from representatives, with instructions that varied. One instruction was to submit a notarized affidavit form by mail to the Forgery Department, which I did. On XX/XX/year>, I received an email from the Forgery Department stating they received my documents and that the forgery process would initiate the following week, with an estimated resolution time of 90-120 days. 

However, in several calls with representatives, I was informed that my refund check was processed on XX/XX/year>, and should have arrived by XX/XX/XXXX, XXXX I have not received it. 

So far, this case has cost me {$26.00}.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-29
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. (NC)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-11-29
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. (NV)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-23
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)

XX/XX/2022 I had been struck with several hard inquiries across my credit reports at all reporting agencies. I have been disputing these inquiries as I did not provide any authorization for my information to be shared, My car is paid off entirely, with no lien holder. How would I had received is not even in my name. XXXX, XXXX, Equifax and other credit reporting agencies have not been compliant and have denied me the disputes relating to hard inquiries on XX/XX/2022. This has been completely unethical and illegal.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated. 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. 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!