davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

I have been working with Carrington mortgage to finish my refi to a different bank. after having a very hard time to get them to work with my new provider i had to make my final payment to the company. the approved payment on XX/XX/XXXX that i was able to document and send to the new mortgage company. on XX/XX/XXXX i was advised by the title company that the payment had not been made. after talking to Carrington it was revealed that they had left an old account on file that had been removed 18 + months ago and that was the account that was attempted to charge. this led to NFS fees and having to make a last minute call to resolve this issue. after explaining my case to the CSR i had to ask to have a supervisor to reverse the increased fee to do the payment over the phone. Since they felt that i could still use the online portal ( which led to this issue ) they would not waive the fee that is implemented. i was not allowed to talk to the supervisor but provided an ID * XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have filed multiple disputes with Experian in regards, to addresses on my consumer report that do not belong to me. It states that I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX Experian has XXXX of the same addresses on file for me which I have never resided at. Experian has lead me to believe every investigation they have done is unfair and improper. Per consumer law experian is in violation of consumer law 15 U.S. Code 1681e ( b )
Consumer complaint received 2023-05-28
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. (PR)

Equifax has been ignoring all my recent disputes and answering with the same thing over and over. The Results Of Our Reinvestigation >>> We have reviewed the identification information. The results are : N : MEMBER NUMBER SUBMITTED NOT REPORTING AS INQUIRY ON CREDIT FILE PLEASE VERIFY THE MEMBER NUMBER AND RESUBMIT YOUR DISPUTE ONLINE. 

They are ignoring my letter and stalling my process to fix innacurate info I demand a proper investigation on all of my letters.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act XXXX Account : I have two accounts with this company. A late payment has been reported that I do not recognize. 

Account 1 : XXXX Account 2 : XXXX XXXX has violated my rights by reporting a late payment. 

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

15.U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-05-28
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. (PR)

I recently received an Experian alert regarding a credit inquiry made by XXXX  XXXX XXXX on XX/XX/2023, without my consent or authorization. It is crucial to note that my Experian report includes a fraud alert, which mandates that any company attempting to access my records must first obtain my approval, as stipulated by Section 1681b ( c ) ( 2 ) ( E ) of the Fair Credit Reporting Act. Unfortunately, XXXX XXXX XXXX failed to comply with this requirement. As a result, I have the right to request the removal of this unauthorized inquiry from my credit report.
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (IL)

After reviewing my latest consumer report, I have identified the inclusion of bankruptcies that reporting. I am aware of a violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be on my credit report, and furthermore, it appears that my personal information has been used without my consent. The use of my information without consent is identity theft. I am a victim of identity theft, and as such, there are criminal and civil liability associated with these discrepancies. I will pursue to next elevated action against you.
Consumer complaint received 2023-05-25
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. (PR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$27.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The issue is causing me significant XXXX and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

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 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

PHH Mortgage Company has repeatedly refused to allow me to change my auto-draft payment amount, date and preferences, during the instances when i attempted to change auto-draft settings online during the month of XX/XX/XXXX and during phone calls I initiated on XX/XX/XXXX and XX/XX/XXXX. I have been trying to change my payment account due to a change in my banking account provider. The account that is currently identified as the auto-draft account no longer exists, yet PHH representatives have informed me that I may not change the auto-draft preference since it is past the XXXX of the month - however my payment is not due until the XXXX of the month. This has impacted me negatively because PHH has penalized my account with late fees added to my mortgage amount due during the month of XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-04-12
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. (PR)

In accordance to the fair credit reporting act this creditor has violated my rights; under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666 b a creditor may not threat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC (NY)

In XX/XX/XXXX we were offered general terms of a Mortgage Modification from LoanCare with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/XXXX and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

XXXX became our loan servicer effective XX/XX/XXXX. XXXX is saying they never received the paperwork from LoanCare ; LoanCare is saying they sent everything in XX/XX/XXXX. 

Our loan in now being reported as delinquent. It is not yet our credit scores have decreased over 100 points due to their combined incompetence.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (MI)

I want to make sure your team has the whole story as the customer service rep was very short and dismissive This morning around XXXX, when I woke up, I checked my phone and saw numerous notifications from Current Bank at all hours of the night for both charges and then declines. Thank God for daily limits or I fear my account would have been emptied. Unfortunately, I still found that thousands of dollars had been taken from my account in just the one night alone but I also found older charges from earlier in the week. These charges range from XXXX dollars with a majority of it coming in XXXXne night. They all say it was in XXXX XXXX Michigan at some Casino/Hotel. I have GPS proof that I was no where near XXXX XXXX last night or ever for that matter. As soon as I saw the charges, I turned my card off and started to look for my wallet. I have searched everywhere but I have not been able to find it. I cant say if I lost it or if it was stolen but someone has used the card on the other side of the state. When filing the dispute, the representative said that my card was being used, again, I can prove that I was no where near XXXX XXXX MI all week with GPS data, witnesses, even pay stubs. 

I would also like to add that the following night and Sunday, more attempts were made using the same card, multiple times throughout all hours of the night. Luckily I have now paused the card and blocked the vendor but they are still trying to use my card. I am sure you can see this if you check my account notifications. 

First thing I did after turning my card off, was call the Current Customer Service number which told me to call back XXXX and then hung up on me. As soon as I was able to leave my house, I went to the local police department and filed a report. I explained to them what happened and I showed them evidence of the charges and my location during the time of the charges. They gave me with a case number XXXX and then sent an email for me to upload all of the evidence that I showed them. 

At this point, I am not sure what else that I can do. I am still combing through the charges, there may be more but these ones listed are the most alarming to me and it won't let me dispute atm charges on their site. Unfortunately I have to continue to work but will do my best to dispute everything. 

Not only did current deny the claim above but they have yet to send me any documents to support their decision. As mentioned above there are more charges i havent even been able to dispute but i doubt their customer service team even read my statement. Now that I am filing a complaint here, I expect they will shut down my account, as it is common practice for them.
Consumer complaint received 2023-04-12
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. (PR)

In accordance to the fair credit reporting act this creditor has violated my rights; under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666 b a creditor may not threat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX XXXX Balance : {$40.00}.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: RentDebt Automated Collections, LLC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RNT DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NJ)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, MD XXXX RE : Experian Boost Product Issues Dear CFPB, I am writing to report an issue with Experian 's product, Experian Boost. This product is advertised as a way to raise your credit score by factoring in your on-time payments for certain utility and phone bills. 

Attempted Use and Error Message : I have repeatedly attempted to utilize Experian Boost to add my on-time bill payments to my credit report. 
Unfortunately, each time I try to use the service, I receive an error message stating : " We ran into an unexpected issue. We're working to fix this issue. Try again later. '' Continued Attempts and Unresolved Issue : I have made numerous attempts to use Experian Boost, retrying after the suggested delay, but the issue persists. 

Concerns : This ongoing problem prevents me from taking advantage of a service that Experian advertises as a way to improve my credit score. 
The lack of functionality raises concerns about the reliability of the product and the potential for misleading information reaching consumers. 

Request for Assistance : I kindly request the CFPB to investigate this issue with Experian Boost. 
I would appreciate it if you could look into why I am unable to utilize the service and whether this is a widespread problem. 
Additionally, I would like to know how Experian ensures the accuracy of the information factored into credit scores through this product. 

Attached Information : I have attached screenshots of the error message encountered while trying to use Experian Boost. 

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 


Enclosures : Screenshots of Experian Boost Error Message
Consumer complaint received 2023-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have just been XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Been in since XXXX, when i reviewed my credit report with my XXXX XXXX XXXX they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you
Consumer complaint received 2023-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/XXXX, I had to pay around {$900.00} for fees accrued in a loan with Popular Auto, Banco Popular of XXXX XXXX branch for vehicle loans. Merchant phone XXXX and XXXX I had already paid my vehicle loan and was a bit confused as to why I had never received the title. 

Upon contacting them, they told me that they have not sent me the title because I owed them $ XXXX as accrued fees for an extension they gave me back in XXXX when XXXX XXXX XXXX XXXX XXXX XXXX 

I explained that I never requested an extension or for them to stop my recurring car payments, as the payments were set to be deducted automatically every month. 

Their reply was that, back then, they did this across the board, even if the client wasn't informed that such action was being taken. 

Granted, most Puerto Ricans didn't have ways to communicate for months. That said, I never received a letter or a call letting me know that this action was being taken unilaterally. 

I had to pay the $ XXXX because I needed the title of my vehicle, but I had no chance. Otherwise, they told me that I was not going to have that said title. 

Right after I made the payment, I requested to be transferred to dispute the fees I had paid. It has been close to 3 months today since XXXX disputes the {$900.00} fees which, again, I paid with restraint, but haven't received a letter informing me about the decision. 

If my dispute was denied, I still want the $ XXXX I paid to be reimbursed. I don't believe it's fair for me to pay fees for an extension I did not requested. 

Silver lining : I did receive the title of the vehicle. 

Name : XXXX XXXX Last four of bank account : XXXX Contract # XXXX Plate : XXXX Cel XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

This is what you are currently reporting on my credit report please verify the debt. 
MIDLAND CREDIT MANAGEMENT INC XXXX {$170.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$170.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$170.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Consumer complaint received 2020-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (IL)

My complaint is against the company Square. They are a merchant settlement company. I signed up for their services, in XXXX, because I have a XXXX  XXXX  company. The account was opened right away, and I started using the account. After a few days, they asked me to provide more information, which I did, like bank account information, and some other things pertaining to my business. After I provided what they asked for, they sent me an email stating that my account would be closed, because it is considered high risk. I had already processed about five thousand in transactions. Then sent an email stating my account would be closed, and my funds would be held for 90 days. This is my second complaint regarding this. There was nothing done, due to the first complaint. The reason I am filing this second complaint is due to the Covid 19 Pandemic. I also have a fulltime job, and my job just like many others, I have been effected by this pandemic. I have been laid off from my job. I work for a company that prepares XXXX XXXX XXXX XXXX. I am filing this second complaint, because I need my funds to take care of my family. TI am a XXXX  XXXX XXXX, and I would like for this company to release my hard earned money. I can not afford to wait until XX/XX/XXXX. I need my money right now.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just see my credit report and found a fraud car loan opened on my name without my knowledge. I have been in the hospital sick and people stole my identity to commit fraud. This fraud car loan was not authorized or sign by me and shall delete from my credit report.