davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

This is a complaint that is referring to a previous complaint # XXXX. I could n't find any way to update my original complaint, so I had to make a new one. In summary, my husband and I were given a letter by XXXX early in XX/XX/XXXX that our property taxes from XX/XX/XXXX were not paid through escrow by our mortgage company, Carrington Mortgage Services , LLC . We immediately informed them and asked them to pay so we would not lose our home to the auction process. 

By the end of the month, Carrington still had not paid, the deadline had come and XXXX XXXX was ready to start the auction process, so we had to use our savings, scrape together the money to pay the taxes ourselves. We then requested ( through writing/fax on XX/XX/XXXX ) that Carrington immediately refund our money. This is the money THEY should have originally paid through our escrow in XX/XX/XXXX. 

When I called today to ask about our refund ( now three weeks after my first request ), I was told that they must complete an 'Escrow Analysis ', and that they need 15 days to figure out if I am to receive a refund. This is ridiculous. They are making it our fault that THEY messed up our escrow account and did n't pay our taxes. We almost lost our house and are out {$2100.00}. Which we are just trying to get back. A year ago they bumped up our mortgage payments an extra {$250.00} a month to 'pad ' our escrow account! There is something wrong here. Very wrong. 

We just want our money back. If we were to have a family emergency, we would n't have the money now because we had to use it for this. 

I am attaching documents showing the delinquent tax bill. My proof of payment. As well as XXXX escrow documents sent to me by Carrington. One from 16 months ago, which I believe to be a 'falsified document ', showing that the tax was paid, and one that I requested last month showing that in, fact, the taxes were NOT paid in XX/XX/XXXX out of the escrow account. 

Please help us get our tax money/savings back. We always make our payments. We believed our taxes were being paid through escrow. We have done nothing wrong to deserve this.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HireRight Solutions, Inc. (CA)

Hireright.com cant finish my pre-employment report because they dont know how. They say theyre going to share my information with a third party locally to help them figure out how to do the criminal background check in the county where I live, but I dont want it shared. They shouldnt be getting paid for reports they dont know how to do. They also shared my info immediately because as soon as the process started, I started getting twenty robocalls a day from many numbers. This scam company should not be allowed to operate in this country! They already are causing me three weeks with no work when I shouldve started already, because they sold my prospective employer a report they didnt know how to do. They havent even tried.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After the XXXX  fiasco back in XXXX, I froze all of my credit reporting agencies. I paid to have them each frozen at that time. Evidently TransUnion released my credit report to an agency, XXXX on on XX/XX/XXXX without my written permission. How XXXX was able to attain my full credit report is quite disburbing to me, especially when I have my Credit Reports FROZEN so that no one has access by any means. 

I called TransUnion on Monday, XX/XX/XXXX at XXXX XXXX. and was told the agent, XXXX from SC that they have an internal policy that we the public are not aware of which states, " According to Federal Laws, there are situations and organizations that are exempt from the credit freeze. Examples include any person using the information for employment, tenant, or background screening purposes. '' This is against the law and an injustice to me while trying to protect my identity and my personal private information ( PII ). It is absurd that anyone can gain access to one 's credit report when it is frozen especially without a person 's permission to attain it. Isn't this " An infringement of my Rights ''? I exercised my right to place a freeze on my credit reports so that no one can get access to it. This is my right under the US Constitution 2nd Amendment that prevents the the federal government from infringing the right and other agencies on me. 

I want to live knowing that no one has a right to my personal private information when I took the liberty to freeze it. 

PLEASE get this fixed ASAP so that this does not happen to me again or anyone else. 

By the way, as an aside, I presented XXXX with the data they needed from the XXXX XXXX XXXX XXXXk and my Bank gave them my credit rating with my permission, NOT a full credit report. 

Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Garcadia Financial LLC (KS)

The company who has the loan for my truck, Foursight Capital, has tried three different times to ach my payment which I didn't approve and a {$30.00} charge was generated on my loan account with them. Each time I had made a phone payment and instead of debiting my account once, they attempted it twice. Of course the second attempt didn't clear and that is when they charged me a XXXX return check fee. I emailed their company on XXXX asking for a reversal of the XXXX in extra fees with no response from them. The dates of the fees are : XXXX, XXXX, XXXX. I am only asking to be refunded the XXXX and for this to never happen again! 

Sincerely Concerned Consumer
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation (GA)

I have an account with 1st Franklin Financial for a XXXX $ loan. That somehow became a XXXX loan. They also had me put my XXXX  up as collateral on the loan. Issued insurance on the vehicle that I had to pay, I had no idea that I would have to pay for. I had a previous loan with the company the balance was XXXX when I applied for the new loan.I make my monthly payments and I also make overpayments. When checking my payment history I noticed that my overpayments have been pooled as a partial payment. Which is not being applied properly which costs me more in the amount of interest being paid on the account. I spoke with the manager and she explained on XX/XX/23 that my per diem rate on the account was {$3.00}. That's about $ XXXX  monthly. Today when contacting the company I received information that my XXXX XXXXXXXX was {$3.00} on the loan. My problem is that my overpayments are not being applied to my account which keeps the interest rate higher than it should and prolong the life of the loan. At this point I am not paying any more money until we can get this situation rectified. Loan rate is XXXX % which is extremely high by any standard. And my credit score is in the XXXX.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX ACCOUNT # XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Consumer complaint received 2023-07-07
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-07-07
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. (GA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Management of my XXXX XXXX credit card account was transferred to Comenity in XXXX of XXXX. Under the previous management, my bills were paid in full every month via automatic payment. 

I received a letter from Comenity, dated XX/XX/XXXX, stating that the automatic payment arrangements on my account did not carry over to Comenity when the account was transferred and that because of this error, Comenity would not charge late fees to my account for the next two billing due dates. ( See Document 1 ). 

I reviewed my XXXX bill online and saw that there were interest charges to my account that resulted from the auto payment omission. I immediately contacted Comenity Customer Support and requested that the charges be removed. I was told that some of the interest charges could be removed but that a charge of {$110.00} could not be removed because it was related to my account balance exceeding my credit limit. ( See Document 2 ). This account balance problem was another consequence of Comenitys auto payment omission.

The Comenity Customer Support representative agreed that the charges were due to Comenitys error and offered to submit a claim for reimbursement on my behalf. I received a letter from Comenity, dated XX/XX/XXXX, confirming that this claim had been filed. ( See Document XXXX ). 

The confirmation letter asked that I allow up to 90 days to complete the investigation. The process took over six months to complete and would probably still be ongoing if I had not been calling Comenity Customer Support every other week to check the status and try to move things forward.

I finally received a letter from Comenity, dated XX/XX/XXXX, indicating that my request for reimbursement had been denied and that the claim had been closed. The reason for denial was that Comenity had received my XXXX payment after the due date and that the finance charge was valid. There was no mention of the original issue of charges related to my exceeding the credit limit. The decision also does not consider that late payments in XXXX were supposed to be forgiven due to the auto payment omission. In any case, the explanation is totally out of sync with the original claim. ( See Document 4 ).

I contacted Comenity Customer Support after receiving the latest letter and was told that since the claim had been closed, there was no way for them to look at it to see the original claim description or any notes that had been added to the claim. I was told that the only way to re-open the issue was to start over and file a new claim from scratch. 

I wrote a summary of all the actions that had been taken and submitted it to Comenity by mail on XX/XX/XXXX. In the letter I requested that the issue be re-opened and asked for a response within XXXX business days. As of XX/XX/XXXX, I have not received a response to my request.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

This company is acting as a debt collector, and I do not recall giving them permission to contact me ( which they have NOT ) But, under more scurinty they have placed this public debt on my records to bemlish and degrade my character as if I do not pay debts owed to me.

I request for admissions 1. The original wet blue ink contract with this 2. Consent I have given to you to contact me and put this alleged debt on a public record?

3. where do private people have public debt?

4. What law says that private people are debtors 5. Do you operate under Title 12?

I am a private living soul, discharged from my mother 's waters and I know private people can not have public debt, so there is nothing to. There's nothing to " discharge '' or to discharge with. This alleged debt, is causing an interference with my pursuit to enjoyment of livelihood refraining me from access to housing for my child, therefore interfering with my children 's well life and pursuit of happiness. 

If by any chance you can not answer all questions, that would be deemed as incomplete, and result in admission and default to the solution offered. If unanswered I will move forward with the filings of a 42 USC 1983 suit. 

WITH MUCH LOVE, WITHOUT RECOURSE WITHOUT PREJUDICE # 11USC109 # UCC3_603 # 12USC412 # UCC9_307h # 18USC8 # Art1sec8cl1
Consumer complaint received 2023-07-07
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/2022
Consumer complaint received 2023-07-07
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. (TX)

why and how is XXXX  reporting the balance on XXXX has increased when the account is charged off and closed. i asked 3 months ago for a breakdown an explanation of the fees and origin of the fees thats being added thats causing the balance to increase monthly on this charge off account from 5 bureaus still hadnt received anything and its been well over 60 days
Consumer complaint received 2023-07-07
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. (FL)

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.

has violated my rights. Or list of inquiries 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 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I bank with Chase and deposited over one-thousand dollars into one of their ATMs, but the machine malfunctioned and kept my cash but did not credit my account. I remained at the ATM as I called customer service. They opened a claim and said they'd be in touch when the investigationwas completed. I received an email this morning stating that they closed the investigationand determined that there were no issues with the ATM reported ; I was owed no money. When I called them about the response, they refused to investigate further. When I requested records on who, how, and when the research was conducted and completed, they said I would have to subpoenathat information. 
I was patient and understanding, considering that I'm not a wealthy man, and that was all the funds I had at the time. I went a few days without food, so I would have money for gas and wouldn't have to miss work. Now a multi-trillion dollar company, the fifth largest bank in the world, has taken XXXX dollars from me and refused to correct their mistake. I'm upset by this situation and the hardship and theircallous disregard for the unnecessary burden they've placed on my livelihood. 

They refuse to take additional action unless I have something that proves I was at the ATM, despite the fact that, their system shows me there. I asked them to Check the ATM camera to provide that I was there. They would see me inserting my card, selecting deposit, inserting the cash, and waiting. I stayed at the atm for about thirty minutes as I called to fill out the claim. I have tried to find an attorney that could help with subpoenas but so far consumer law practitioners are hard to find. 

If I expected there to be a problem, naturally I would have kept proof, but I never thought that this would happen. I can prove I received my paycheck that day, and cashed it at XXXX, I can prove I when straight from XXXX to the atm and reminded at that ATM until the claim was filed. I don't know what else to do. I need that money but Chase has made it clear they will not be investigating further. Please help me.
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. (CA)

Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using XXXX but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all XXXX credit bureaus ( TransUnion, XXXX, XXXX ) Regards, XXXX XXXX XXXX XXXXFCRA, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.