davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington Mortgages Services, LLC Account number : XXXX Property Address : XXXX XXXX XXXX, FL XXXX Carrington was servicing our mortgage at the time of closing The closing was handled by : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Office Phone # XXXX ( Contact XXXX XXXX XXXX XXXX ) Prior to the closing, which was scheduled for XX/XX/XXXX, XXXX XXXX requested a payoff quote from Carrington , Which was received and indicated {$260000.00} with a good through date of XX/XX/XXXX which allowed for the upcoming XXXX  day weekend, just in case the closing didnt occur in time for funds transfer on XX/XX/XXXX. The quote also directed the title company to call before the closing to verify the amount, this was done on XX/XX/XXXX, at which time the payoff amount was confirmed and the closing occurred as scheduled, completed by XXXX XXXX. on the XXXX finishing too late for a wire transfer, to Carrington that day ( Cut off is XXXX XXXX for wire transfers ), so the transfer was completed XXXX soon as possible after the holiday The wire was sent the morning of the XXXX, and was in Carringtons account at XXXX pacific time on the XXXX. For an unknown reason, Carrington did not attempt to apply the payment to my account until after their cuttoff time ; at XXXX pacific ( XXXX XXXX Eastern ) on the XXXX, a day and a half after receiving the funds, which is when they generated a new payoff quote and called us and said it was short {$1500.00} in legal fees. We not only paid the proper amount at closing verified as good through the XXXXtTHE AMOUNT WAS VERIFIED BY CARRINGTON THE DAY PRIOR TO CLOSING AND SUBMITTED WITHIN THE SPECFIED TIME FRAME. 
The title company contacted Carrington and they refused to negotiate ; saying that they were returning the original payment and generating a new one with all the additional fees that the claimed were due, since all funds had already been disbursed, there was no additional funds left to make up the difference, and since Carrington was unwilling to discuss or negotiate, the title company covered the difference as a courtesy to their client. I believe Carrington Knew that fighting this in court would cost us more than the extra fees they were claiming, and we are seeking the return of the extra fees.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

This is in reference to an existing complaint that was closed by CFPB but not resolved. Complaint # XXXX. Fraudulent charges were made on the Citibank Best Buy credit card and the company initially credited the $ XXXX but then opened up two new credit cards and transferred the fraudulent charges to these cards as well as additional fraud purchases. The company also mistakenly sent a check for the refund ( mistakenly per citibank ). This check was then sent back and never cashed ( reviewed bank accts to ensure ). Citibank is now looking to collect on this check that was not cashed. We have requested that the account be closed and that all fraud charges, late charges and misc charges be removed to get this to a XXXX balance. 

XXXX XXXX - son in law of XXXX XXXX is assisting in this process to gain resolution. 

We attempted to reconcile the accounts, but Citibank moved charges and fraud transaction to a point that it is nonsensical.
Consumer complaint received 2024-06-16
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)

This is in regards to the XXXX XXXX XXXXXXXX credit card account ending in XXXX. This account WAS INCLUDED IN MY XXXX XXXX BANKRUPTCY FILING on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX was informed of this by the XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX as per the CERTIFICATE OF NOTICE. I have been disputing the status of this account since XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) but Experian REFUSES to update the account and lists it as a Charge Off with a balance owing of {$11000.00} and at present there are 18 Potentially Negative Months of non payment. THIS IS INCORRECT as I do not owe this money -- it was included in the bankruptcy filing. The other two credit reporting agencies ( XXXX, XXXX ) HAVE MADE THIS CORRECTION. Experian 's continued reporting of inaccurate account information is a VIOLATION OF THE FAIR CREDIT REPORTING ACT. They must correct their reporting of this account as a Charge Off and indicate that the account was included in the bankruptcy filing and THERE IS A XXXX BALANCE.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

I have vall and mailed and showed to XXXX XXXX in XXXX XXXX told them they illegally gave my information to banks when I clearly said that only that dealership has my permission to look my information was passed around to several different banks on XXXX they gave it to, ally bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have demanded that the inquires be deleted all the banks and XXXX XXXX and XXXX all pointing fingers at each other and passing the blame and refused to delete the inquiries all have broke the congressional law 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I was made aware by a credit card company that my Experian Credit file has a freeze on it which when I originally requested it, I was advised that it would drop off automatically ( it has been many years since I requested it ) I followed the instructions on the Experian web site on having the freeze deleted, attached my US drivers license and other sensitive images of other documents and have not received a response of even receiving my email requests along with the documents. 

I have written 2 more times with escalation emails and have not had the freeze removed or any confirmation/response to my email. The Experian 888 number is useless to say the least and the number I was advised to call regarding my freeze deletion request is an international number in XXXX!!
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America Account # XXXX. XXXX XXXX of XXXX XXXX. Re : claim # XXXX Check # : XXXX Amount : {$85000.00} Bank names above with connection to named non-profit organizations XXXX. Opened and funded account # XXXX and issued a check from the Bank of America Account number XXXX route # XXXX check amount of XXXX. To XXXX XXXX. And open. Tread account with XXXX XXXX and traded on behalf of my good name to get service and goods without my permission or consent. Around XXXX  up to date. Still no resolution of my matters. And am seeking to resolve this issue. 

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Consumer complaint received 2018-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Protection Association, L.P. (ME)

A debt collection agency has repeatedly called me first thing in the morning XXXX waking me up ( I work the late shift ) seeking a debt collection from a XXXX XXXX? I have tried several times to call the number they provide ( XXXX ) to remove my number from their list but it brings me to a dead end and disconnects. I have an old answering machine so do not have a caller ID. Please make them stop. 
Thank-you!
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This complaint is in reference to Transunion credit reporting company. 

Due to security and fraud reasons, I lock my credit reports through all XXXX credit reporting companies ( XXXX, XXXX and Transunion ). Each of these companies allows individuals to unlock their individual credit reports via a XXXX XXXX capability. 

Transunion 's website does not offer consumers the ability to manage freezes to their individual credit reports, stating technical difficulties and provides a telephone number to contact their support service. When attempting to contact Transunion support, users are left on-hold for hours and hours with no resolution to this problem. 

This is basically hijacking personal credit reports and should be actively rectified by the Consumer Financial Protection Bureau and I would like to formally lodge a complaint against Transunion.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC (FL)

This loan from BMG for {$520.00} is closed and plaid. is still shows up on XXXX, it does nothing for my credit but shows additional credit loans, please removed this closed and paid off loans. 



XXXX is kiiling my credit with the inaccuracies and this is illegal.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan, credit cards, and any other accounts from Account Name XXXX XXXX XXXX with a balance of {$3100.00}, Account Name XXXX. XXXX XXXX with a balance of {$470.00}, Account Name XXXX XXXX XXXX with a balance of {$1100.00}, Account Name XXXX XXXX with a balance of {$0.00}, Account Name XXXX with a balance of {$160.00}. 


These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am writing to request a reinvestigation of the following items ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. XXXX XXXX XXXX  is an Unauthorized account I have never signed a contract or have any knowledge of this account. XXXX XXXX XXXX must provide the purchase agreement barring wet ink signatures of both parties involved, mine and XXXX XXXX XXXX. If this document isnt published this account should be deleted under the FCRA Act.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (TX)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-04-26
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)

After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: V and H Portfolio (CA)

Company has harassed every number associated in my household. I called and requested original contracts. Agent refused to give to me saying we already did which I have never received. She gave nothing but attitude and moved very unprofessional and hung up on me. The call was recorded for proof. Im unaware of the debt and refuse to take any action without valid proof of the debt.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/1982 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with Experian. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.
Consumer complaint received 2024-06-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant Mercantile Agency (IN)

They put it on my credit report through all bureaus without so much as mailing me a letter and I don't have to pay it because I have insurance and I never sign no papers I don't know the exact date because they never sent me anything they just called and said that they was going to put it on my credit report And now it showing up! I have insurance through hip healthy Indiana plan anthem XXXX XXXX XXXX XXXX I was never asked to go to the hospital I was forced to for mental reasons and my member ID is XXXX they should have paid for it this should've never happened I can not get anything with this on my credit report and I should not have to pay
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (GA)

No negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing non public personal information i.e.Late payments, charge offs, etc. can get a creditor 20 years for violating 18 USC 894. 

XXXX XXXX XXXX XXXX TEMPOE XXXX
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC (NC)

I am unaware of this debt. I did not have the opportunity to dispute this information. If in fact you believe you gave me the proper notification, then please send me the certified receipt with my name and signature on it as verification of the notification.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc. (MN)

On XX/XX/XXXX my credit score very abruptly dropped from a XXXX to the XXXX which made me look around for what could have happened. I found out it was a XXXX XXXX XXXX that had sent me to Kingston Data & Credit after I knowingly canceled the account more than a year ago now. I wasnt sent notice of any of this happening by either group. There is no information or receipts to identify what the debt is exactly but its more than {$300.00} and as a XXXX XXXX XXXXXXXX XXXX XXXX  its a lot. I looked around for the collection company to attempt to see whatever the debt is, I found I need a claims number and being I was sent nothing its just sitting there probably building interest. It is now nearing the end of XXXX and Im beginning to get worried about it and sent a dispute through XXXX XXXXa to try and get some kind of response back. I believe that the collections company or the original creditor did do something wrong though by not sending me anything before reporting me to the credit bureau or even informing me of any kind of debt.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (CA)

I am writing to formally dispute the inaccurate bankruptcy information that has been reported on my credit file. The bankruptcy reported is erroneous and can not be verified through reliable sources. I have diligently contacted XXXX, XXXX, XXXX, Innovis, and XXXX to validate the bankruptcy they are reporting, and each has confirmed they received their information from the Bankruptcy XXXX. 

However, according to the U.S. Bankruptcy XXXX, XXXX XXXX XXXX California, they explicitly state they do not report information to any credit reporting agency, as they lack jurisdiction over such reporting activities. This discrepancy indicates that the bankruptcy on my credit report is not valid and violates the Fair Credit Reporting Act ( FCRA ). 

I am enclosing a link to the U.S. Bankruptcy XXXX 's statement verifying they do not report or validate any information to credit reporting agencies, as instructed by their customer service, to support my dispute. Therefore, the information on my credit reports did not originate from the U.S. Bankruptcy XXXX and can not be validated through legitimate source. 

XXXX XXXX XXXX