davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

We recently just finish the forbearance. Now, we were looking to start making the payment. We were confuse about the Process. We didn't know there were 2 different payment options. Carrington contact us by email they said please, please contact us the Completion letter, I was confuse. I receive a call from XXXX XXXX. Thought this and Carrington were one. He then explain each one. XXXX  XXXX XXXX also said we hadn't made a payment in 2 and 1/2 years. A lady from Colorado at Hud call. I told her we built our house in XXXX. She corrected me and said it was XXXX. I corrected her and said it was XXXX. She said XXXX XXXX I'm looking at the screen and it was XXXX. I said oh my gosh!! This is how XXXX people losing their houses. I'm waiting for XXXX  XXXX to produce Payment Histories for year XXXX, XXXX. Carrington and XXXX XXXX XXXX violated " Real Estate Settlement Procedure Act. Failure to make timely payment out of borrower 's escrow. This loan has {$18000.00} dollars sitting in escrow right Now!! Why?? .Our house in Auction " now waiting for XX/XX/XXXX '' Mortgage Service are required to work with you and tell us about all available option to avoid Foreclosure That didn't happen! That was a secret. This house has {$200000.00} XXXX dollar in Equity. This is an investor Dreams. I had 6 calls this weekend to tell me our house would be Auction XX/XX/XXXX
Consumer complaint received 2023-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am in the process of buying a house and I would like to file a complaint against these below due to defamation of character and my livelihood. Furthermore, it is against the law with law 15 USC 1681. 

Hard inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXX- charge off capital one- charge off XXXXXXXX XXXX XXXX- agency name ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- agency name ( XXXX XXXX )
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AL)

I filed for bankruptcy 2 years ago XXXX XXXX XXXX are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.
Consumer complaint received 2023-07-08
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. (NJ)

I had an XXXX XXXX XXXX XXXX for about 6 months or so. On XX/XX/2022 I called Commmenity Bank to get a FINAL payoff figure - I got and paid the final payoff figure of {$260.00} on XX/XX/2022. I was assured the account was closed. A month or so later I got a bill for {$2.00} cents ... .. i refused to pay anything more on an account that was CLOSED. Now these monthly bills and harassing 4 to 6 daily phone calls say i owe {$110.00} - on an account closed XX/XX/XXXX. I called the company again today and was told there was " nothing they could do to credit any of the interest charges because my account was closed ''????? But I can continually get charged monthly for an account that is closed? I am understandably angry. I have other credit cards that are all in excellent standing. I would appreciate any help with this issue. Thank you.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I ve been victim of identity theft and I have tried to alert the companies of my issue as well as the bureaus of credit and no one is giving me an answer I have submitted letters to the bureaus stating that I dont recognize this inquiries but they are still in my report
Consumer complaint received 2023-07-08
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. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under XXXX XXXX. I told Experian, XXXX, and XXXX to reinvestigate these accountsEhanced Recovery COL # XXXX, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( XXXX ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2023-05-22
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (IN)

This is some type of load that was part of identify theft. The original creditor is XXXX XXXX XXXX which sold the dept to Vanchehuffman. The items has already been removed by XXXX and XXXX. Need to be removed by XXXX
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I tried to deposit {$480.00} at the XXXX XXXX XXXX XXXX ATM using my Huntington Bank debit card. There was an error with the ATM machine and it didn't register my cash deposit or return my cash. I immediately contacted Huntington Bank and they said they would investigate. They did not credit my account the {$480.00} and it has been 56 days. I have not received any communication beyond the communication received about the initial investigation. I contacted Huntington Bank 2 more times and they said they were waiting on XXXX XXXX to send them a check. I contacted XXXX XXXX XXXX XXXX and they claimed to never have received a request from Huntington Bank.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Complaint Summary : I have set up automatic payments with direct deposit with confirmation multiple times via portal and customer service. However, auto-payments haven't continued past 1 month each time, leaving interest compounding without my knowledge XX/XX/XXXX : Direct Deposit approved for automatic monthly {$100.00} deposit said to start XX/XX/XXXX XX/XX/XXXX : I noticed no money has been deposited since XXXX I am told by customer service that my account is fine and that adjusted automatic payments will work now ( XX/XX/XXXX : {$1000.00} paid to catch up {$640.00} goes towards interest ) XX/XX/XXXX : Direct Deposit approved for automatic monthly {$210.00} deposit said to start XX/XX/XXXX XX/XX/XXXX : Successful deposit of {$210.00} XX/XX/XXXX : I noticed no payments were made after XXXX ( XX/XX/XXXX - XX/XX/XXXX : {$1000.00} paid principal only dented by {$170.00} ) Loan Information : Total ( XXXX XXXX ) : {$27000.00} 3.88 % average interest IDR plan approved XX/XX/XXXX XX/XX/XXXX - Loan forbearance ends : + {$2600.00} capitalization XX/XX/XXXX - + {$120.00} capitalization
Consumer complaint received 2019-06-23
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. (OH)

I have been requesting validation of this account XXXX XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score. 

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through XXXX  system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a capital one secured card on XX/XX/2019 And they did a hard credit check inquiry on me on XXXX , XXXX and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019 and they did another Hard credit check inquiry on me on XXXX , XXXX , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, XXXX, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.
Consumer complaint received 2019-06-23
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: EQUIFAX, INC. (IL)

I wanted to let you know that Equifax is reporting fradugelent things on my credit report. I sent them a police report as well as an identity theft report to let them know these things are FRAUD for XXXX   XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, and all the accounts with Merchants.
Consumer complaint received 2023-04-10
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: Synovus Bank (GA)

i have been incarcerated since XXXX and i was released XX/XX/XXXX to come home to find many accounts open in my name and my bank account empty.my home was broken into shortly after i was arrested and alot of personal information came up missing and that how i believe this started
Consumer complaint received 2023-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (WI)

Hello, I purchased my first home XX/XX/XXXX  and I have had a terrible experience with my new mortgage company, Planet Home Lending. The previous owner had {$1500.00} in delinquent utilities, which were put on the 2022 tax bill, making the total tax bill {$3900.00}. My property taxes for 2022 ( without delinquent utilities ) was {$2400.00}. My mortgage company is making me pay my escrow account based on the taxes including the delinquent utilities. I have called at least 5 times to have this issue resolved, yet every time they cant seem to figure out the difference even though I can clearly see the breakdown on the XXXX of XXXX taxes website. My mortgage company is overcharging me and the last time I called, I received a notice that now my escrow account increased by {$130.00} instead of decreasing like it should. This has been such a frustrating experience. I have been fighting with this company for a couple months now. I am a XXXX  woman who pays my mortgage on my own and planet home lending is making my mortgage unaffordable. My mortgage used to be {$1400.00} ( which was already more than what it is supposed to be due to the delinquent utilities ) and now it is {$1600.00}. This is absolutely ridiculous, this has been the most unprofessional experience I have ever had. I really hope you can help because I can not afford my mortgage to be increasing due to someone else not paying their utilities.
Consumer complaint received 2019-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I got today a new balance different as the last week this new company fraudulent charges are goin out of control shell point new mortgage company when XXXX transfer me to XXXX XXXX XXXX their balance increased by with out explanation but theirs their corrupted numbers when they gave me the loan modification the last one signed force by court or signed or get out of the house thats what my lawyers said at the time they says to the government that they help me to keep my house when in reality they where increased even more my loan with lawyers fees house watching services I live in my house and I never saw no one court fees a new loan 2 loan into one all this new charges where all the way to {$110000.00} plus that was the help I told my lawyers about not been agreed but the say that no choose im in XXXX an my income it is limited so I did have a choose I got family and I can afford to move and at the time I paid my own lawyer to screed me up but the told my lawyer they will be given me a new loan modification with in a year I needed to keep making my payments for a year so far I didn't but that why this is my second complaint with in a month with 2 different amounts I called the costumer services from shell point mortgage services and they claimed I owe them they dont know which mouth or where this charges comes from but I owed them 6 mouth I send them 6 month prove from my bank but so far nothing but a increased amount from XXXX to XXXX With new principal of XXXX XXXX when in my supposed loan modification isXXXX at this point Im making a complaint about a new mortgage company for the same issues they do increased mortgage so I can not afford to pay it and then rob or my real state my family house Since I got my loan modification and been charged {$110000.00} more on my new balances I was suppose to started I paid from 2015 mortgage every month with out missing any payment some times more or letter in a month but never missed any monthly payment since I got my loan modification which it was supposed to help me to stay home no to sell my mortgage and this new loan company to increases my balances again by the way my complaint are about the abused an corruption and fraudulent way to steal real state lies evil fraudulent ways
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (VA)

All three credit bureau 's are reporting inaccuracy and not giving fairness. 

They will not updated my billing address, they still have a inaccurate address of XXXX XXXX XXXX XXXX VA XXXX it been 30 days now and still nothing begin updated I notice it's been 30 days still no proof given. Regarding a dispute for XXXX XXXX XXXX XXXX sent me email back showing Proof of someone else name. They Have not showed any proof with my name listed giving me proof of inaccuracy I want to report they have damaged my credit report
Consumer complaint received 2023-07-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have written letters via certified mail to notify XXXX that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for XXXX to update my address and personal information. My XXXX file should only show XXXX address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
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)

I sent a letter on XX/XX/2022 to XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-07-08
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. (MI)

I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Consumer complaint received 2023-07-08
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. (MS)

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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX 'S Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 2019-06-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dream Center Education Holdings (MD)

The University that I was completing my XXXX XXXX in XXXX I had all of a sudden been accessed with a {$7000.00} bill owed that was 3 /4 years prior. I contested the amount owed directly to the school stating that it would not take 3/4 years to realize I owed a private debt beyond the Student Loans owed. The School has  since had their accreditation revoked due to misappropriation of federal Funds and stealing from the students without returning said funds. Thus, that was a scam attempt to collect more funds from the student.
Consumer complaint received 2019-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CASHCALL, INC. (CA)

Cash Call have listed a charge off on Credit Reports.Cash Call is reporting accounts are invalid and unverified. I have sent multiple letters asking for my signature on any loan application they are indicating that is mines. Cash Call have sent me a billing statement. they did not send an application with my orginal signature that I have request more than once. 

if they can not produce a application with my signature on it, I want Cash Call to remove the item from all my credit reports they are reporting incorrectly per the FCRA/FDCPA. This reporting is causing me anguish and slandering my good name. 
Account Name : CASHCALL Account number:XXXXXXXX Amount : ( {$5000.00} )