davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Dear CFPB, I am writing to formally file a complaint against Carrington Mortgage regarding what I believe to be retaliatory actions concerning my mortgage account and previous complaint XXXX Details of the Complaint : Retaliatory Actions : Today XX/XX/2024, Carrington mortgage is returning my mortgage payments for XXXX, XXXX and XXXX in the amount of {$1500.00}. After expressing concerns about my loan terms and seeking clarification on my account, Carrington Mortgage has indicated they wish to increase my payoff amount for XX/XX/2024, which I did not request for MAY since they FAILED on last payoff. This seems to be a direct response to my inquiries and is causing significant distress. Today I received certified letter with a Notice of Intent to Foreclosure if I don't submit a payment of {$1600.00}. Furthermore, they have an unapplied amount {$1500.00} and I informed the supervisor to apply the amount to my loan and she stated NO. 

Lack of Communication : I have attempted to resolve this issue through customer service and supervisors, but my inquiries have gone unanswered or been met with vague responses. This has left me feeling unsupported and confused about my options.

Impact on My Finances : The sudden increase in the payoff amount will severely impact my financial situation, and I believe this action is unjustified especially since they failed and didn't HONOR the last payoff which was returned to me on XX/XX/2024. 

Desired Resolution : I am seeking assistance in resolving this matter. Additionally, I would like assurance that I will not face further retaliatory actions for exercising my rights as a borrower. They failed me back on XX/XX/2024, for my last payoff {$4000.00}, even with phone calls to Carrington Mortgage if my payoff had been received on XX/XX/2024, which they hadn't received, XX/XX/2024, same they will research and finally on XX/XX/204 they said oh funds were returned back to you since there was an adjustment. An adjustment I was NEVER made aware and again they failed to inform me. 
Today I spoke with Carrington Advocacy XXXX XXXX, and she informed me that Carrington did fail on notifying me of adjustment and will ask to apply unapplied funds back but will inform me of any changes and updates.

Thank you for your attention to this matter. I hope to hear back from you soon regarding the steps I can take to resolve this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX is not doing their job in regards to investigations : XXXX XXXX XXXX  30 Day Late XXXX XXXX. Personal Information That's Reported Fraudulent 1c. Removal Of Fraud Statement On Credit Report.. 

XXXX ' Own Company Website Reports Correct.. 
Payment On XXXX
Consumer complaint received 2024-05-21
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (VA)

There is 2 accounts with fraud activity on them it's a pay pal account and a pay pal mastercard, these accounts are now closed but they are reporting against my credit report as late payments but these transactions on the accounts were not authorized, I have contacted customer service and have done all I can do and I can't get a response out of pay pal to resolve this, I need them to stop reporting these accounts as I didn't make these transactions
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (MS)

i checked my credit report and i don't recognize the things listed on the report i was also in packed by the date Brach so can the list below please be removed from my report account with regional acceptance crop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

DEAR CHEXSYSTEMS ; XXXX XXXX XXXX XXXX ; Sir/Madam, see attachments. I am writing to formally lodge a complaint against ChexSystems concerning an inaccurate report on my checking account history, which has caused significant issues for me. I have experienced considerable difficulty resolving this matter despite multiple attempts. 

Complaint Summary : Inaccurate Information : ChexSystems is reporting that I have a charge-off balance of {$1400.00} on a checking account opened with XXXX XXXX XXXX XXXX XXXX XXXX ) that was allegedly closed in XX/XX/year>. This information is incorrect. I never opened such an account, nor do I have any knowledge of this charge-off. 

Attempts to Resolve : Dispute Requests : I have submitted several dispute requests to both ChexSystems and XXXX regarding this erroneous information. Despite these efforts, I have not received any satisfactory resolution or response from either party. 
Account Opening Issue : I became aware of this issue when I attempted to open a deposit account with XXXX in XXXX. During this process, XXXX informed me that they could not open a new account due to an unresolved charge-off from XXXX in my name. This inaccurate report has prevented me from establishing new banking relationships and has raised concerns about the security of my personal information. 
Concerns : XXXX XXXX XXXX : Given the timing of this issue, I am concerned that my personal information might have been compromised during the COVID-19 pandemic. The inaccurate reporting of a charge-off could indicate potential identity theft or fraud. 
Lack of Resolution : Despite my multiple attempts to rectify this issue through disputes, I have not received any resolutions or confirmations that the incorrect information has been addressed or removed from my report.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> a series of fraudulent charges were charged to my account. 
Wells Fargo was able to investigate the charge but denied my claim saying the charges were valid. I was not given any opportunity to dispute or provide further evidence.
Consumer complaint received 2024-05-21
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. (CA)

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, CA XXXX XXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. 
I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I also found fraudulent collections, names, inquiries, and employers. 
FROUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$3900.00} Balance updated : XX/XX/XXXX Credit limit : {$3000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Credit card XXXX Balance : - Balance updated : - Credit limit : {$1300.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Charge Card FROUDULENT AUTO LOANS! 
XXXX XXXX XXXX XXXX : - Balance updated : - Original balance : {$19000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Auto Lease XXXX XXXX XXXX : {$12000.00} Balance updated : XX/XX/XXXX Original balance : - Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Auto Lease FROUDULENT INQUIRYES! 
XXXX XXXX XXXX IN Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX FROUDULENT EMPLOYERS! 
XXXX FLOORS AND MORE FROUDULENT NAMES! 
XXXX XXXX FRAUDULENT COLLECTIONS! 
XXXX XXXX I Balance : {$30000.00} Balance updated : XX/XX/XXXX Original balance : {$24000.00} Account number : XXXX Date Opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$30000.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX XXXX : {$540.00} Balance updated : XXXX XXXX, XXXX Original balance : {$540.00} Account number : XXXX Date Opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$540.00} past due as of XXXX XXXX. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2300.00} Balance updated : XX/XX/XXXX Original balance : {$2300.00} Account number : XXXX Date Opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$2300.00} past due as of XX/XX/XXXX. 
XXXX updated : XX/XX/XXXX 2023
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-11
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. (IN)

Iv called multiple time to get all these inquires removed do to that fact that I don't recognize any of them and these inquires was not giving approval by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX Location XXXX XXXX  XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX Location XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Individual XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX And on 15 USC 1681b these have no permissible purpose to be on my credit report anyways.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-21
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. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

The account LVNV Funding LLC is reporting income to the credit reports via the charge off/certificate of indebtness/ income purchased.It is a charge off which is considered a certificate of indebtness and must be removed. it is ILLEGAL to report income Account Reference Numbers : XXXX, XXXX The following qoutes are from a response they sent to me. 

LVNV Funding LLC and servicer Resurgent Capital services are considered debt collectors and have admitted to such in their recent responses " LVNV Funding, LLC ( LVNV ) currently owns the XXXX accounts referenced in the inquiry. 
Resurgent Capital Services L.P. ( Resurgent ) is the servicer of these accounts. " " This account charged off on XX/XX/XXXX, with a balance of {$750.00}. LVNV acquired this account on XX/XX/XXXX, XXXX " " The second account, account number XXXX, reference number XXXX, originated with XXXX XXXX XXXX XXXX on XX/XX/XXXX. This account charged off on XX/XX/XXXX, with a balance of {$580.00}. LVNV acquired this account on XX/XX/XXXX ''. 

This is also a Violation of privacy act of XXXX.
Consumer complaint received 2024-05-21
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. (NJ)

It has come to my attention that you are not removing items when sent with an FTC report. Since it is required by law under section 605B of the FCRA, I am sending this complaint by certified mail to establish a legal record. If you do not remove the items listed below, which are inaccurately reported due to unauthorized inquiries, I will provide my documents to my attorney to initiate legal action. I prefer to avoid legal action, so please adhere to the law. Please remove the inquiries, as they are fraudulent and were made without my consent or knowledge. If you claim this inquiry and the addresses are 100 % accurate and verifiable, I need you to provide me with copies of any documentation associated with these items that bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please note that you have four business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent inquiry. I do not consent to XXXX or any means of automated verification. I expect your immediate attention to this matter and a response within four business days.
Consumer complaint received 2023-09-14
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. (MN)

Despite multiple written requests, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am in a XXXX XXXXXXXX I have some stuff credit report XXXX XXXX XXXX account for XXXX account number XXXX a XXXX XXXX XXXX account number XXXX a XXXX XXXXXXXX XXXX acount XXXX. And a XXXX XXXX account number XXXX. I asked all three credit reporting agencies for the letter. I need from the XXXX XXXXXXXX Trustee that says I can have a credit card. I have not received a copy for that letter. The next steps I will take is a court order to comple that letter. If not received from XXXX XXXX. They are in violation ilof federal laws.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-21
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. (MS)

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from an incorrect reporting but I still have ITEMS left that needed to be removed. I recently conducted a review of my recent credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. I contacted the companies listed below and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request, and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX KY XXXX. Please remove these inquiries at your earliest possible convenience, as I am going to be applying for a mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.