davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

On XX/XX/2018 I received a letter from XXXX  XXXX indicating that my mortgage loan had been sold to Carrington Mortgage.

When I went online to make a payment to Carrington Mortgage, I noticed that they charge a {$5.00} online fee for me making a payment to them! Why do I have to pay to pay them when XXXX XXXXXXXX and previous to that XXXX XXXX did not charge? 

This is insane to me, how can a mortgage company sell my loan to another company with fees like this? I understand loans can be sold but I feel victimized and helpless about this additional {$60.00} I have to pay per year! I am trying to pay off a huge loan, not make it worse. This feels like it should be illegal, what if the next company that it's sold to charges {$10.00} to make payments? Do i really need to go back to mailing payments? I have to pay it no matter what fee they charge at their discretion, and I never agreed to this!
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I filled a BK Chapter XXXX on XX/XX/XXXX XXXX. In the course of this Bk their lawyer stipulated on behalf of the Lenders, XXXX XXXX  XXXX XXXX XXXX, as Trustee for XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX 'S, to stipulate the terms of the loan to be a secured agreed amount of {$260000.00} plus {$14000.00} for escrow advances to be amortized over 30 years at 5.0 % per annum. Payments were to begin XX/XX/XXXX in the sum of {$1500.00} plus regular monthly escrowed payments of taxes and homeowners insurance. In the event that the Debtor defaults under stipulation, a 30 day letter shall be sent for each default and a {$100.00} shall be fined to cure. None of this took place.I sent a payment every month for the past 6 years, first to XXXX servicing, then to SLS servicing. During this BK a notice of default was filed, XX/XX/XXXX, a notice of sale filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I continued to make the payments at times the amounts requested were irregular but I made them anyway. My BK was confirmed on XX/XX/XXXX and the final degree was granted on XX/XX/XXXX along with an order of discharge on XX/XX/XXXX " stating that a complaint objecting to discharge of the debtor was filed and, after due notice and hearing was not sustained '' " Any judgement heretofore obtained in any court other than this court is null and void '' Beginning in XX/XX/XXXX SLS refused by payments saying that I was in default from XX/XX/XXXX.They say I missed 6 payments. I protested by asking for a QWR on XX/XX/XXXX asking for an accounting of my payments beginning with the court stipulation XXXX XXXX. They responded but not to the original date and not simply understood, I sent another QWR on XX/XX/XXXX requesting an accounting of my payments beginning from the court stipulation beginning on XX/XX/XXXX. I have not received any response. I want to keep my property and I want to be treated fairly by the servicer/lender.
Consumer complaint received 2023-08-17
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-06-21
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: DISCOVER BANK (NY)

Good Morning. Last week I took advantage of requesting a copy of my free annual credit report. Everything was in order except the inquiry section. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX inquired in my credit 82 times between the dates of XX/XX/XXXX and XX/XX/XXXX. I do not have an account with Discover. I tried to contact them by phone on XX/XX/XXXX, and because I do not have an account, the representative could not " help '' me find answers, and they referred me to a credit reporting agency. I tried to call XXXX, but none of the phone prompts would bring me to someone I could speak to. This week I received another mailing from Discover, and because of what I have learned about their inquiry methods, I opened the offer of credit and logged onto a site they referred to in their mailing called XXXX. I am furious that Discover " hit '' my credit report this often and most likely affected my credit score and thus increased interest rates I am paying on legitimate trade lines I have applied for and use.
Consumer complaint received 2018-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

I received my mortgage statement for XX/XX/XXXX with a payment amount of {$9800.00} and when I add up what the document says I owe it doesn't add up. 
1. principal- XXXX 2. interest- XXXX 3. escrow- XXXX 4. other- XXXX regular monthly payment- XXXX total feels & charges since last statement- XXXX past unpaid amount- XXXX This adds up to {$8000.00} According to the statement I owe {$9800.00} I called to question the discrepancy and was informed by employee ID XXXX XXXX XXXX that she couldn't give me any information. 
Today I paid {$8700.00}. Where is the difference coming from? I also don't see an explanation for the fees totaling XXXX. This company doesn't answer my question but refers me to the bankruptcy attorney and they don't give an explanation. I really believe they aren't trying to assist me with keeping my home on any level. I need answer and cooperation with keeping my home through modification and forbearance.
Consumer complaint received 2023-08-17
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. (MO)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

About a month ago, a {$120.00} debt showed up in my credit report. It is called XXXX XXXX XXXX and the original creditor is XXXX XXXX. I am a XXXX XXXX customer, although I have never had any outstanding debt with them. I have never heard of this charge, have never received a bill for it, and I have no idea what it is for. I can log in to my XXXX XXXX account and it shows a {$0.00} balance, and the entire payment history comprises only my regular monthly bills and payments of {$43.00}. There is no record of any {$120.00} bill, nor does any combination of anything total {$120.00}. I called XXXX XXXX, and after a confusing conversation, they looked up some things in their computer and said that the charge was a mistake, and that they would credit it to my account. I did not receive any credit in my XXXX XXXX account, which is OK because there is no record of any debt to be credited, but the amount on my credit report dropped from {$120.00} to {$21.00}. On my credit report, it now appears that I paid the difference ( {$100.00} ), which I did not, because this debt never existed, and this apparent payment seems to legitimize this otherwise completely fabricated debt. I submitted a dispute for each amount but the debt was upheld each time. I still have never received a bill for either amount and have no idea what it is for. My only guess is that XXXX XXXX sold a fake debt to XXXX XXXX XXXX in bad faith as a nefarious means of generating revenue.
Consumer complaint received 2018-06-21
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: EQUIFAX, INC. (CA)

EQUIFAX continues to report unauthorized credit inquiries on my my report even though i contacted the companies and got no respond. Equifax stated that they will not investigate inquiries. 

Name of Company Date of Inquiry XXXX XXXXXXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX : :XXXX - XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

On my XXXX XXXX ending in XXXX. Customer Service Representative promised to remove late fee on XX/XX/2016. I was looking to remove to a death in my family of unforeseen circumstances. I was told by the representative they would remove the late fee for being a loyal card member. They have yet to do so. Just looking to get this resolved.
Consumer complaint received 2023-08-14
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. (TX)

XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

25 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (OH)

I have Sent several letter 's asking for GLA Collections to provide me with proof that the debt they are trying to collect is in fact mine, Made pursuant to the ( Fair Debt Collection Act and the ( Fair credit reporting Act ) First Letter 's were sent Certified Mail onXX/XX/XXXX allowing them 30 days to provide proof.. On the 31st day following no proof i preceded to send a second set of letters Certified as well Mailed on XX/XX/XXXX to be exact .. I have followed the Law as provided by ( FDCA, & FCRA ) I  have never done business with XXXX XXXX XXXX and the Fact remains they have not provided me proof and as far i can see Such as my signature .. The HIPPA Law has been broken as this company should not now or ever have any medical information on any test i may or may not have done. I would like for them to remove any negative / derogatory comments they have submitted to the collection agencies  as they are in violation of the FDCA/FCRA acts.
Consumer complaint received 2018-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Items purchased from XXXX XXXX XXXX, supposedly in XX/XX/XXXX, were paid for by check, dated XX/XX/XXXX in the amount of {$350.00}, marked " payment in full ''. In addition, according to XXXX XXXX XXXX, an additional credit was issued for merchandise returned in the amount of {$52.00}. Those two amounts equaled the total purchased and paid for/ and or returned. To the best of my knowledge no other charges were due on this account. 
While the purchases were made in XX/XX/XXXX, no payment was made until XX/XX/XXXX because no bills from  XXXX XXXX XXXX were ever received by me until XX/XX/XXXX. I had moved temporarily to another address and put in a request for the US Post Office to forward my mail. Since I received mail from other senders, I had no explanation as to why I received no bill from XXXX XXXX XXXX until XX/XX/XXXX. In any event, on XX/XX/XXXX, on the check issued in payment, I provided the new address to which any future bills should be sent. Again, I received no follow up bills until XX/XX/XXXX!!! The one bill that I received in XX/XX/XXXX showed a balance due of {$320.00}!! I had purchased nothing from XXXX XXXX XXXX since XX/XX/XXXX, and had paid in full for all purchases made. Nevertheless, Capitol One Bank continued to assess both late fees and finance charges since that time ( XX/XX/XXXX ), according to my discussion with the Bank 's representatives. I offered to pay any late fees/finance charges from the date of the original purchase until the date that payment in full was received by XXXX XXXX XXXX, ie until XX/XX/XXXX, even though XXXX XXXX XXXX/Capitol One Bank failed to send bills to me on a regular monthly basis. My offer was refused ; the Capitol One collection representative insisted that I settle the matter by paying {$290.00} now. I requested a detailed transcript of my account. Capitol One has no right to continue to charge late fees and finance charges in perpetuity once payment in full has been received by their merchant XXXX XXXX XXXX. This is simply harassment and an attempt to extort funds from innocent consumers and needs to be stopped!
Consumer complaint received 2018-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to XXXX  after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity. I have filed affidavits and done all the proper steps under federal law for BBVA to handle this accordingly but has failed to do so, my attorney has filed a complaint with the Attorney Generals office of California - XXXX XXXX against BBVA Compass Bank for Banking negligence resulting in the loss of funds of claimant - XXXX XXXX. In the last CFPB response from BBVA Compass Bank all that was stated after a TWO WEEK investigation was dispute it ... I am asking BBVA once more to investigate and return my funds that are due to me under federal law. 


I contacted their dispute department at the number they provided me XXXX, I got someone who knew absolutely NOTHING. He said they arent able to dispute it and that they dont have to abide by Federal Trade Commission rules / laws and same for the CFPB, it was oblivious the man did not care about my situation and simply said oh its late so you know ... after ONE HOUR on the phone. 


I am asking BBVA FOR THE LAST TIME to return my funds that are FDIC FEDERALLY insured against fraud. This is not my issue, and will seek to obtain my rightful money.
Consumer complaint received 2023-08-17
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Late Open : XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$160.00} XXXX XXXX  XXXX Balance : {$460.00}
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

My husband and I received a letter from I.Q Data international stating that there is an unpaid balance from our old apartment complex. 

I am not sure if this is a scam? This account has been paid since XX/XX/2023 and there are records of it. So to receive this letter is alarming. 

If this is a true letter I am requesting this company be penalized for not conducting a thorough review before reaching out to us and causing undo stress.
Consumer complaint received 2023-08-24
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-17
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. (AL)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX  XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$25000.00}
Consumer complaint received 2023-08-17
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)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have reached out to XXXX, Transunion and also XXXX about XXXX this amount that is appearing on my credit report is inaccurate first of all the amount is incorrect!! They are still reporting late payments which is an error or a lie so how was the information verified when I dont even have the vehicle so how is late? According to the FCRA, Nevada statute of limitations this was a credit sale its being listed an an installment loan!! I have enclosed the documentation and I have reached out to the bureaus as well as well as XXXX and also XXXX XXXX!! I have enclosed the documentation as well to show the amount is inaccurate therefore the amount being reported is absolutely inaccurate!! The balance is wrong!! They have been paid and they are reporting an error or a lie!!!
Consumer complaint received 2023-08-17
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX