davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

XX/XX/XXXX we had to go on covid forbearance and it was approved. when our va covid forbearance ended in XX/XX/XXXX I tried to apply for a streamline loan modification. I lost my job but was receiving social security XXXX for life now. we could afford our mortgage payment but we could not pay the {$79000.00} Carrington Mortgage was demanding from us. I called every week ( I have proof of every person I spoke to ) inquiring about our modification. I uploaded to the Carrington portal and emailed Carrington all the documents they requested. we were denied in XX/XX/XXXX for no reason stated and no one at carrington could give me an answer. I appealed we were denied. I applied for a VA Partial Loan Modification I found from the CareAct on the White House website that we were protected due to a world wide pandemic. We were denied again with no reason given but we could appeal the denial. I did not know how to appeal this with no reason given and no one at Carrington able to help me but I appealed it anyways. We were denied in XX/XX/XXXX and told we were not in the foreclosure process. Carrington reported in XX/XX/XXXX to all credit agencies we were in foreclosure. In XX/XX/XXXX we received a letter that we owed over {$100000.00} to save our home from being foreclosed on XX/XX/XXXX. I called Carrington immediatly and XXXX told we owed attorneys fees, over $ XXXX in interest along with the behind payments and she could not tell me why we were denied despite the CaresAct. We put our home up for sale and I called out VA rep for help XXXX XXXX XXXX and she called her contact at Carrington. Our VA rep emailed me and told me to submit for a VA Partial Claim Modification again. On XX/XX/XXXX I heard from Carrington through the mail and they asked me to submit paystubs to thier email and they will let us know the approval status. On XX/XX/XXXX we were approved for a VA Partial Loan Mod. I received the documents to signed 3 different times because they spelled my name wrong every time. Buy this time our home had a buyer and we were in contract and could not get out of it. Finally on XX/XX/XXXX I receive the corrected loan docs from Carrington and I sign them and XXXX XXXX them back. Its too late - our home is in contract and we are being threatented to be sued by the buyer and our realtor if we dont sell. we are homeless now! I have faxed and pleaded with Carrington to tell me why all of the sudden we were approved with the same exact documentation from 3 times before and denied. they do not respond.
Consumer complaint received 2024-04-22
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. (PA)

Hello, I am writing to have the following information in my file deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ND)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-04-22
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. (KY)

I checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on XXXX XXXX  account payments - XXXX XXXX Investigate and provide evidence with statements showing these payments were late if they can not be provided evidence I demand that these payments be updated on time as they should, as I have NEVER been late. Thank you Consumer information at its best with XXXX
Consumer complaint received 2024-08-16
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 (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

SYNCB/PPC XXXX
Consumer complaint received 2024-04-22
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. (NY)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : account name XXXX account number XXXX Accont name XXXX  account number XXXX Account name CREDIT XXXX BNKaccount number XXXX Account name : XXXX XXXX account number. XXXX. Account name XXXX account number XXXX Account name Capital XXXX account number XXXX Account name XXXX XXXX account number XXXXXXXX XXXX  XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-04-22
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. (IL)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

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 2023-05-04
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing this complaint to express my concern and frustration regarding TransUnion 's inaccurate reporting on my credit report. Specifically, TransUnion is reporting a fraudulent XXXX XXXX account that is also a duplicate account, which is causing significant harm to my life. I have never authorized or opened a XXXX XXXX account, and this fraudulent account is having a negative impact on my credit score and ability to obtain credit. Additionally, the fact that TransUnion is reporting a duplicate account is further compounding the problem and causing further harm to my credit and financial well-being. 
I have repeatedly disputed these inaccuracies with TransUnion, but they have failed to correct their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me undue stress and hardship. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion corrects its reporting on my credit report. I also request that TransUnion be held accountable for their failure to correct these inaccuracies in a timely and appropriate manner. 
Furthermore, I request that TransUnion provide me with a corrected credit report that accurately reflects my credit history, as well as any documentation or evidence they used to verify the fraudulent XXXX XXXX account. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I was in contact with XXXX XXXX XXXX and Amex since XX/XX/23 about the transfer of my total miles of XXXX from account # XXXX to account # XXXX connected to my Amex card which only has XXXX as of today. This conversation took place as stated back in XX/XX/23 and the miles never reached the account connected to the Amex card after doing what I was asked to change my last name so the transfer could be completed. I continue to receive updates on account # XXXX but never communication about the transfer of the miles being transferred over after updating my last name as I was told to do to receive my miles.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

On or about XX/XX/XXXX I Iogged a dispute report with Experian ( # XXXX ) to have incorrect information corrected on my credit report. I had been an authorized user on my parents XXXX card from XXXX to like XXXX and was removed as an authorized user in XXXX. XXXX sent an update to all XXXX credit bureaus in XXXX. Experian updated nothing at that time and left this credit line incorporated into my score for XXXX  years. Furthermore, I had to correct my name as Experian reversed my first and last name, and this report now only reflects my request to change my name. Experian never responded to the dispute report detail and closed the dispute without providing any reason for their illegal processing of my sensitive financial information. 

Due to some potential identity theft, I froze my credit at all XXXX bureaus. XXXX sent Experian an update on or about XX/XX/XXXX removing information regarding the credit card I was authorized to use from like XXXX to XXXX. Experian in violation of the FCRA, did not correct this information rather they automatically processed XXXX 's correction to my PII without any further investigation into the dispute. Their automatic XXXX generation system downgraded my score by XXXX points because I corrected incorrect PII on my credit report. This is only happens at Experian and not the other XXXX credit bureaus. Experian inaccurately reports my credit to my detriment and refuses to correct this information against the FCRA. 

On XX/XX/XXXX I called Experian XXXX times to correct this information because it is inaccurate and is a detriment to my credit that I have worked so hard to build. I was hung up on XXXX  and Experian has since blocked my number so I can not speak to a person. Experian refused to correct this information telling me that I can purchase their credit monitoring services or Experian boost to boost my credit score. Experian 's lack of adherence to consumer protection is XXXX  and completely out of line with other credit bureaus.
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (NC)

Conns Acct # XXXX & XXXX Has violated my federally protected consumer to privacy & confidentiality under 15.USC1681 I saw on XXXX & XXXX XXXX report That there were some not accurate This company didnt follow procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to ( 15.USC 1681 ) They are to make sure that The information is accurate or unverified After reinvestigation under paragraph ( 1 ) of any Information disputed by a consumer/Item of information is found to be incomplete accurate or unverified, The consumer reporting agency needs to delete/modify that information off the file of consumer 15 USC1681s -2 The consumer are suppose to not report any information relating to the consumer report agency If the person has reasonable cause to believe that the information is Inaccurate
Consumer complaint received 2024-02-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/XXXX I made a payment on my Old Navy Awards Card issued by Barclays Bank in the amount of {$46.00}. It was for an online purchase of {$22.00} and included a late fee of {$22.00}. I forgot to pay it because I forgot I used it. I never use it because Ive had NOTHING but problems every time I do. A few weeks later I noticed I have another balance of {$46.00} plus an additional {$22.00} & another {$2.00} saying my payment was returned by my bank. I called because I have no idea why that would have happened, I had thousands in my checking account. They waived the fee, I paid it again over the phone ( this was on or around XX/XX/XXXX ). A few weeks after that, I noticed it happened again! I called my bank, and they have NO RECORD OR ANY TRANSACTIONS FROM BARCLAYS BANK. Nothing that they would have stopped or reversed at all. Nothing going out, nothing coming back in. So I called Barclays again! Was on the phone for HOURS fighting these fraudulent fees! Finally they agreed to me paying the original amount of {$22.00}. I asked for them to mail me a final statement, close my account. When I got it I would mail them a check directly. I am still waiting for a statement to come. My balance is still WRONG online! I get automated calls daily about a past due balance. I sent a message to them yesterday about it, and the message said someone will call within 24 hours, NO CALL YET. I see on my credit report that they reported a late payment. I have 100 % on time payments from all of my other accounts! This is insane. How can they still be in business with their fraudulent practices??!!! I need answers on where to go with this! Please help me.
Consumer complaint received 2024-04-22
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. (TX)

They say that they investigated with XXXX and it was the same person. I have documentation to show that the Social Security number on the original debt to XXXX is not my social security number. 

They say they are investigating. But they cant with the documentation that proves it is not mine. Same name but Social Security number should be what this is governed by not a persons name.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (NV)

Ever since a wrongful evection XXXX of XXXX, the merchant known as Direct Express and there employees have been making using my XXXX funds a nightmare. I am unable to use my card as I wish. And I am being subject to dishonest lobbyist and jaded business owners in the community.
Consumer complaint received 2023-09-03
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: EQUIFAX, INC. (NC)

There is an collection account on my credit report that is being reported as negative, but I paid this collection agency in full. I have never open a account with them. They brought my debt from another company. I paid the collection the collection in full but it still reports as negative. This account has been inaccurate for almost 2 years now. There is now way to have a miss payment on an account that payments where never set up. This account shows paid in XX/XX/ 2021 but yet charged off in 2021 how is this possible. I have attached the receipt of payment from XXXX2021 Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-04-22
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. (CA)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-22
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)

I have recently gotten an apartment. My XXXX score vantage XXXX XXXX is XXXX ; and I have my other documents with the individual ones. XXXX and XXXX are reporting it XX/XX/2024 as XXXX ; which is absolutely absurd and XX/XX/2024 at XXXX. I have called them XXXX different times ; XXXX hang ups ; and multiple disputes and emails with no resolve or care. this is highly illegal.
Consumer complaint received 2024-04-22
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)

Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Entities in question have not yet addressed and persist in reporting inaccuracies. Additionally, they have neglected to furnish requisite documentation validating the debt. Should you be unable to furnish the original agreement bearing my handwritten signature, the debt must promptly be DELETED, or legal action will be pursued To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. 

Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. 

Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (PA)

I was running late on my monthly payment and called XX/XX/27 to see what my options were and set up payment arrangements. My main goal was NOT get a 30 day late since I'm trying to build my credit up. I paid as much as I could that day {$40.00} and arranged another {$80.00} payment XX/XX/XXXX. I was assured this would not give me a 30 day late. I repeated the question to sure there was no misunderstanding on my part that I would not incur a 30 day late and again was assured. Reviewing my credit information today and Milestone did in fact give me a 30 day late. I called and was told since I did not pay entire amount and why I got the 30 day late. I was either lied to or the employee did not know their job, I asked the question multiple times since that is why I called. I was happy that they helped to only find out it was all for nothing nd my credit took a huge hit and will have to pay XXXX  more in interest costs on any new purchases that this and other banks will benefit from. American citizens are getting screwed every day and today was my turn. I'm disgusted with our banking system that always gets bailed out for their bad behavior at the cost of the ordinary citizen. Evil and wrong!