davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

On XX/XX/2020 I suffered a water damage loss which was paid out by my insurance company for approx XXXX. The check was made out to both myself and Carrington Mortgage Services who recently purchased my mortgage from XXXX. Carrington deposited the check instead of returning it to me so I can cash it and pay out the Construction companies that are working. Instead they have made me acquire W9 's lien waivers, licenses etc from my contractors. 2 contractors did not think it was worth the hassle and walked away withdrawing their bids. It is now XX/XX/XXXX and my GC contractor have been waiting for additional funds for weeks and wants to stop working. I have 1 toilet and a shower with a slop sink in my kitchen. No usable kitchen for weeks!!! 

I have submitted inspections, asked for monies, some of which were denied causing me to lay out cash that I now need to live. My account owners voicemail does not work. the Supervisor I have been dealing with is on vacation. I have even spent money to send the a prepaid XXXX XXXX label to mail a check because they want to use the USPS 1st class mail form California. I have done everything I can to work with Carrington. I am now considering refinancing to get away from them. 

My Account Owners voicemail is not working, the supervisor is on vacation and I have spent over an hour so far today with 4 calls that have been incorrectly transferred and being disconnected waiting for another supervisor after 43 minutes. I am again on hold as I type this message. 

My family just wants our house back together from our loss " 3 MONTHS AGO '' PLEASE HELP US!!!!!!!!!!
Consumer complaint received 2021-01-19
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. (NY)

Please be advised that XXXX XXXX XXXX is a loan broker, that XXXX years ago I acquired a loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX  to XXXX XXXX, XXXX XXXX XXXX XXXX lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XXXX, XXXX  and Trans Union respectively through a XXXX Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, XXXX XXXX XXXX must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that XXXX XXXX XXXX is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. XXXX XXXX XXXX must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX
Consumer complaint received 2020-10-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

Navient is currently showing my loans as 30 days late, even though they are deferred by the Cares Act. The deferment from the act is automatic, so there is no reason they shouldn't correct and update this information on my report immediately.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Been asking them to remove extended fraud alert every time I call they say my information doesnt match I have sent in documentation certified mail with return receipt which I have got back and still no changes also none of my credit files are reporting mostly everything is inaccurate
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I can not acquire another bank account due to XXXX XXXX  sending me to collections. A transaction occurred through a third party payment solution company called XXXX. This transaction put my account in a negative standing of about $ XXXX in XX/XX/2020. I was completely unaware about this until I received a letter in the mail in XXXX stating that if I dont pay I will be sent to collections so I immediately took action and payed the negative balance along with a late payment totaling about {$400.00}. Once, I paid in full I decided to close the account at that time. I then found out in XXXX of 2020 that XXXX XXXX  had put me in Chexsystems. This has hindered me from getting a checking account and to further my credit. I paid the amount owed and the late fee the same day I received a letter warning me. I need this to be removed. Ive contacted XXXX XXXX  and they said it shouldve never got sent to XXXX XXXX.
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (VA)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-10-26
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: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

On XXXX XXXX Fair collections and outsourcing, added a derogatory mark on my crredit report per XXXX XXXX, upon further research, this account was transferred /sold and iam no longer responsible for the account.Debtors creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, aFair collections and outsourcing has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-10-26
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. (VA)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Please investigate and remove the following inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I have over {$5000.00} in fraud charges on the BofA edd debit card! I have been trying for days to get in touch with BofA disputes dept on hold for hours and they are not answering the phone. They will not do the dispute at an office my only option is the phone disputes dept. By law they have 10 days to return the money to my account but that starts when they accept the dispute if they don't accept the dispute then the clock doesn't start! Please help. Thanks
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

it has been more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify me and not close this complaint out by saying i didnt send this complaint or this is not authorized by me XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (AR)

In XX/XX/2020 I spoke to a rep at Well Fargo Auto and I told them I was having trouble with making my payments due to my work situation. 

I made arrangements and everything was ok until this past week XX/XX/2020 I was to make a payment on my loan and I spoke to a representative at the bank letting them know that my account was compromised and that I would be sending in a payment by wire transfer rather than through my checking account. 

Because the bank closed my account due to it being compromised. Before I submitted the transfer I called to get more information to make sure it was correct and they stated that it was too late to make the payment and that I was told the wrong information from the previous Well Fargo auto rep I spoke to on the phone.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I had applied for a loan modification with Ocwen in XXXX of XXXX, and I was approved for a loan modification with 3 trial payments, I was approved for a Principal reduction for {$150000.00} that was to be given in 3 parts over the next 3 years, I completed my trial payments in the month of XXXX as planned, and I was told by Ocwen that I would receive an agreement to sign and return, I waited for the agreement for the whole month of XXXX, and no agreement ever came, made repeated calls and asked them to send me the agreement and they just made me wait each time, I even tried making payments during this time but Ocwen would not accept my payments, they kept saying that they won't accept any payments until and unless they have received a signed agreement, and finally they sent me an agreement on XX/XX/XXXX of XXXX, I returned the signed agreement the same day and cleared all the missed payments as soon as they received the agreement. 

I have been fighting Ocwen and now PHH ( as they were taken over by PHH in XXXX ), but I have been turned down the {$150000.00} without any mistake of mine, I need PHH to correct their mistake and give me my {$150000.00} discount as I have never been late on my mortgage ever since.
Consumer complaint received 2020-10-26
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 (DC)

On XXXX XXXX Portfolio recovery Associates, added a derogatory mark on my credit report per XXXX, upon further research, this account was transferred /sold and i am no longer responsible for the account.Debtors creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Portfolio recovery associates has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-15
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. (TX)

COLLECTION, CHARGE-OFF ACCOUNTS APPEARING ON CREDIT CLOSED AND CAN NOT HAVE LATE PAYMENTS. THESE COLLECTION ACCOUNTS MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THESE COLLECTION ACCOUNTS DOESN'T BELONG TO ME BUT THESE ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT IS CLOSED. 
1. XXXX 2XXXX XXXX 3.XXXX XXXX  4.XXXX 5.XXXX IN THESE ACCOUNTS ARE REPORTING INACCURATE ALONG WITH DATE OF LAST ACTIVITY AND DATE OF LAST PAYMENT
Consumer complaint received 2021-01-15
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: ALLY FINANCIAL INC. (MI)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-01-19
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. (NY)

Please be advised that XXXX XXXX XXXX is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX  to XXXX XXXX, XXXX XXXX XXXX XXXX lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, Experian, XXXX  and XXXX XXXX respectively through a XXXX Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, XXXX XXXX XXXX must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that XXXX XXXX XXXX is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. XXXX XXXX XXXX must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (GA)

I have completed numerous disputes with XXXX in regards to my XXXX XXXX Amex and pay XXXX accounts. I sent all information that they requested because it was fraud. XXXX and XXXX both removed items. XXXX removed the items then placed it back. Not to mention they are repeatedly showing Amex as a open delinquent account.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

XX/XX/2020 I received an email from Lexington Law and theyre making up lies and charging fees that I was never aware of. I will NOT be paying any of those fees due to unethical and deceptive practices pertaining to my credit repair case.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I needed help paying my student loans so called XXXX to set up a reduced payment plan with them. After all my expenses I had {$50.00} left. My monthly rate was {$200.00}. 

After paying the first payment and subsequent payment, they still reported my account as late to credit agencies even though I started making arranged payments.
Consumer complaint received 2018-08-04
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: AES/PHEAA (PA)

About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, XXXX, and XXXX ) refuse to remove bankruptcy on all my closed fedloan accounts. They claim the loan provider fedloan verified it was discharged in bankruptcy. This is not true. My loans where discharged through XXXX from XXXX for being a XXXX veteran. I called XXXX  numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
Consumer complaint received 2020-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (FL)

This company XXXX XXXX XXXX XXXX XXXX keep sending me bills and trying to collect a debt that is not mine, I already dispute this with the credit report companies and I already made a complaint in consumer finance and results were positive to me and negative information was removed from my credit reports but I just find out that they send this account to collections again, Im about to take this to the legal side because I just have a XXXX XXXX and my doctor told me was because the stress and the only stress I have is because XXXX XXXX XXXX XXXX XXXX ... XXXXthis is the last effort I making to fix this situation thank you
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (TX)

On all 3 credit bureau reports, Lobel Financial is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to Lobel Financial and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". Lobel states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from Lobel so my concern is the company is not reporting correctly. I do not know what to do from here.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NV)

Equifax I opt out and receive offers after i opt out. This has happen several times with Equifax. 
Equifax mails out missing pages or not a complete credit report.