davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I currently have a mortgage with Carrington Mortgage Company. I am currently a 100 % XXXX veteran. I live in a state, XXXX XXXX, that offers property tax exemption to 100 % permanent and totally XXXX veterans. I became 100 % on XX/XX/XXXX. In XXXX, XXXX, I followed Carrington 's advice and went to my XXXX XXXX office and Carrington was notified of my exemption. My tax office reimbursed me previous taxes taken out. At that time we emailed and faxed a copy of my Department of Veterans Affairs Award Letter and NJ Tax Exempt Letter. However, it has come to light that Carrington is still paying my taxes out of my escrow, when I am exempt. My Tax office continues to return payment as over payment. It didn't seem like an issue until on XX/XX/XXXX, when I went to pay my mortgage, and there was in increase of {$2000.00}. When I immediately contacted Carrington, they deflected and put blame on Tax office and they would investigate. 
1 week later I contacted Carrington for an update. Once again I was told, " we are waiting on your tax office '' This is not true. I then went to my XXXX office on XX/XX/XXXX and we called Carrington and nobody answered. Tax office provided me with invoice showing that they sent back {$6200.00}, due to over payment. As I have contacted Carrington on 7 occasions, each time I'm told its the tax office.I can not pay my bill, since this issue is preventing me from doing so. I do not believe Carrington is equipped to handle veterans loans, especially in this type of scenario. How many other veterans are getting screwed over.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

XXXX deactivated for no explained reason by Wells Fargo rep or XXXX customer care rep. Just another way Wells Fargo has kept timely funds or access to the account from this XXXX veteran. 

multiple issue with accessing his funds in a timely manner resulted in the following as stated below - Loss of extended stay Temporary homelessness - Borrow funds and unexpected travel. 
- Credit score drop affected by lack of auto-payment and funding See past complaints have been targeted by Wells Fargo on numerous occasions declining transactions and collaborative actions from multiple accounts displaying refusals of corrective action for lack of funds. 
Note : XXXX XXXX currently have a good condition card in hand that he was forced to replace ( pending ). He is currently borrowing money or food and has XXXX XXXX.He has a card that he was forced to replace due to declining action of the bank. ATM recognized card but would not give funds. See pic of card currently in possession.
Consumer complaint received 2024-08-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I emailed the management team with no response according to Texas law 91.006 Ending a lease early they continue to owe the landlord rent under the lease. They stop owing rent once the lease ends or a new tenant is found. I moved out XX/XX/2023 and a new tenant moved in sometime in XXXX. Because I received a XXXX  notification on XX/XX/XXXX and also a phone call from the leasing agent to retrieve the code for the new tenant. I contacted the office to have this matter resolved before collections was done but received no response.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX XX/XX/XXXX States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXX 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please CORRECT and UPDATE the following accounts : XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I just recently looked at my credit report and I saw some hard inquiries that did nor have PERMISSIBLE PURPOSE. I also attached evidence. 

Lists of unauthorized inquiries that dont have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (OH)

I have no knownledge of this debt. This collection never sent me anything to give the opportunity to this dispute. The debt collector is not allow and is not license to collect in my state THIS should be reported to the attorney General and the secretary of State AS WELL of the FTC. 

FIND MY COMPLAINT LETTER BELOW. REQUEST TO VALIDATE THE DEBT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAKEFIELD & ASSOCIATES Dear Sir or Madam, I'm reaching out to ask for a detailed verification of the debt listed below, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). I would like you to provide evidence that I am indeed responsible for this debt. 

Creditor : WAKEFIELD & ASSOCIATES Account Number : XXXX Claimed Amount : {$790.00} This request should not be seen as an admission of debt or a refusal to pay what's rightfully owed. It's simply a step to ensure the validity of the claim. 
Under the FDCPA, please provide : XXXX. 
The total amount claimed, including any additional fees. 
XXXX. 
A thorough explanation of the debt, with the original creditor 's details and a breakdown of all transactions. 
XXXX. 
Any contracts or agreements signed by me that substantiate the debt. 
XXXX. 
Evidence that the debt is not beyond the statute of limitations. 
XXXX. 
Your company 's license number in Ohio and the name of your registered agent. 
XXXX. 
Details of any court judgments, if applicable. 
XXXX. 
Confirmation that you're authorized to collect debts in Ohio. 
XXXX. 
Proof of your licensing in Ohio, along with the license numbers. 
I kindly ask for these documents within the next 30 days for my review. Should there be any reporting to credit bureaus before validation, I expect it to be paused until the matter is resolved. If you can't prove the debt or your authority to collect it, please stop all collection activities and remove the information from my credit records. 
If I don't receive the requested documentation within 30 days, I'll have to consider further action, including filing complaints with legal authorities. 
Please send all correspondence to the address above in writing. 
I appreciate your attention to this matter and hope we can sort this out quickly. 
Best regards, XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2024-05-06
Product: Credit reporting 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. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANCO POPULAR DE PUERTO RICO (PR)

In 2019 Banco Popular, Creditor XXXX, inquired my credit in two times this year. Those inquiries were identified as Hard Inquiries rather than Soft Inquiries. The reason to understand that must be a soft inquiry is because my mortgage loan is under a Loss Mitigation review to achieve a loan modification because my unemployed. 

The inquires were performed in XX/XX/2019 and XX/XX/2019 

I request to change the inquiries to a soft since the process working with Banco Popular is for a Loss Mitigation and not to request new credit. 

Below are the definitions as CFPB link. 

Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit. 
Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score. 

Additionally, Banco Popular must change the internal guidelines to any borrower who is working under the loss mitigation program all credit inquiries be identified as soft inquiry. 

Thank you!
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to provide an update on my ongoing efforts to correct a late open account listed on my credit report. Despite numerous attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that this inaccuracy is promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$75.00}.
Consumer complaint received 2023-06-25
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts, inquiring creditors, and consumer reporting agencies/bureaus below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
Consumer Agencies : XXXX XXXX XXXXXXXX XXXX Transunion.com TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX ( TransUnion SmartMove ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 c. ( 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 antidotes 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 2023-07-03
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 am writing this letter on my behalf to request the prompt removal of the extended fraud alert that is currently on my credit report. I have attached the necessary documents, including proof of my identification, proof of address, and proof of social security number. Please take immediate action to remove the fraud alert from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I ensure my payments are always made on time. Yet, I'm baffled by the sporadic instances where this company reports late payments, contradicting my meticulous record-keeping. USC 1666b mandates swift correction of billing errors and accurate payment documentation.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-07-03
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)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.