davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

XX/XX/2024, I inquired about a HELOC through my Mortgage Company, Carrington Mortgage Services. I was told that a light pull would be done for my Credit Report to see if and how much I would qualify for. I checked my credit report several days after the pull was made and I noticed that it was a hard pull that was done. I also noticed that the hard pull was done twice lowering my score tremendously. I talked to the Loan officer about the double hard pulls, he stated that he only pulled it once. I didn't debate with him I just addressed the issue and told him that he was wrong for doing it. He stated to me that I would take XXXX days for them to look over the application and they would email with an answer. 
XX/XX/2024, I received an email with the total breakdown on what I was able to receive and the closing day. 
I was told that I had approximately {$53000.00} worth of equity in my home that was available for me to use to pay off dept, home improvements etc. 
I requested a HELOC for XXXX  XXXX {$20000.00}. 
It was approved however, after all of their adding and subtracting, I was only going to receive {$6000.00}. 
I did not accept it. I was also told that it would be a total refinance. I was not requesting a refinance. I was only requesting a HELOC to upgrade my home and to pay off dept. 
I turned it down and I did not go through with it. 
XX/XX/2024, I received an email from Carrington Mortgage Services stated that my Home Equity is now at, {$74000.00}. I called in and I spoke with a Loan Officer. I asked, what would I need to do to re-apply for a HELOC.

The Loan Officer sounded like the one whom handle my application before. He was very rude, He also stated that he would need to pull my credit report again. I stated to him, " Please make sure that it's only pulled once and that it's a soft pull and not a hard pull this time.

He was very rude and said to me, " I don't need for you to keep repeating yourself to me, do you understand! '' I stated to him, that I would like to speak with a manager.

I was then just put on hold for about XXXX minutes then the call ended. 
I personally believe that Carrington Mortgage Service, has a problem with giving back money to help upgrade properties for Minorities.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (KY)

Hard Inquiries that I do not recognize XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX I do have a card with them but did not request any increases. 
XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXXXXXX Via Dealer XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I tried disputing XXXX  times. Called today and was told that they needed my credit card number to give me any info pertaining to this account XXXX XXXX XXXX XX/XX/XXXX XXXX sent a dispute in XXXX of XXXX haven't heard back. 

There was a breech of information of a company that I am affliated with that was held at ransom causing all patient information to be compromised through XXXX XXXX
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

A fraudster had created a fake mail id in the name of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and sending mails to all professionals to remit the travel and accommadation charges and will give discount of XXXX XXXX and getting the money transferred to above said account. He had created mail id XXXX and says that he is XXXX. XXXX XXXX, XXXX, The XXXX XXXX XXXX, XXXX XXXX. 

Later he asks us to transfer the amount to his account in Bank of America, XXXX, XXXX  XXXX XXXX XXXX : XXXX with account number XXXX. 

Once you transfer the amount that is the end. He draws the money and escapes to some other country. The Bank manager is not helping. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation (GA)

This company keeps posting incorrect information to report to purposely hurt my score. 

Then they correct it then they do the same thing wait a month and report false incorrect information to bring down my score and then correct it. 

This is not following FCRA rules i ask that they delete this account from credit bureaus seeing they are missing it and not following fcra.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NY)

A Late payment is a transactional history, and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.
Consumer complaint received 2024-05-10
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: BARCLAYS BANK DELAWARE (SC)

This is a scam involving the Consumer Financial Protection Bureau. On XX/XX/XXXX, I received an email from XXXX XXXX about 2 potential fraudulent charges on my credit card. In working with them, 3 additional charges were identified as being unauthorized. These charges were removed from my account, which was closed and a new account with credit card were established. On XX/XX/XXXX, I had a call from an XXXX XXXX who claimed to be with the Consumer Financial Protection Bureau. He gave me the correct agency 's phone number and his direct line ( XXXX ). He already had all of my credit card information, which I did not think was unusual because of where he worked. He explained that the credit cards companies ( XXXX XXXX, Barclay 's Master Card, XXXX, and XXXX  ) had been illegally charging me very high interest rates, which were in violation of the Fair Credit Reporting Act. During the multiple calls made by transferring me, I talked with representatives of XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), and finally XXXX XXXX XXXX ( XXXX XXXX, XXXX. The group indicated that they could send a cease and desist letter to the 4 companies whereby they would stop the bills and payments, that I was not to pay any bills or communicate with these companies referring any contact to XXXX. They said that my credit card debt of {$23000.00} would be reduced by half within an 8-month period. Then, I would have less than $ XXXX to pay back in reasonable no interest payments over a 36-month period. They said that I was eligible for this " deal '' because I was a XXXX, had a good credit rating, had been paying interest at illegal rates, and did not participate in the national do not call program ( strange! ). To participate, I had to pay {$9500.00} using my Barclay 's Master Card. I have contacted Barclay 's, but I can't file a fraudulent claim for 10 days after the charge is posted, They also mentioned that during the 8-month period that my credit rating would come way down. Guess this is because of not paying my bills. In the interim, I have frozen my credit reports and have contacted the four credit car companies to close accounts and issue new cards. My wife and I are XXXX  citizens and that I am XXXX  with XXXX XXXX XXXX and XXXX.
Consumer complaint received 2024-05-15
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. (VA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was a victim of fraud/scam about 3 yrs ago. Bank of American here in XXXX XXXX even told me the account was closed but mentioned how I still had access to my account. Told me not to worry it had been closed. My main concern was that my income tax of {$3000.00} was supposed to hit so I wanted to be assured it was closed snd sure enough it hit the closedaccount and never recovered or received anything
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ProCollect, Inc. (LA)

Stated I stayed at their apartment complex I never lived there nor have I resided within that city Im a victim of identity theft Ive tried to communicate with the company but they will not listen I wrote them and called very rude and unprofessional but yet steady report this to my credit report noting I told them I am a victim of identity theft its stated on my credit reports and Im registered with identitytheftXXXX as well
Consumer complaint received 2024-05-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Georgia Student Finance Authority (TX)

Today I was contacted by XXXX XXXX XXXX XXXX XXXX in an attempt to collect what I thought to be a consecutive payment of {$50.00} in a rehabilitation program. I spoke with XXXX XXXX, whom Ive only been in contact with since they began contacting me in XX/XX/XXXX. He called me for the payment and never disclosed not once that failure of my payment last month would automatically enroll me to an completely new rehabilitation program until AFTER he had already received the authorization to debit my account the {$50.00}. He then stated that I would have an additional 7-9 more additional payments since I had not made a payment for the month of XX/XX/XXXX and that he would attempt to change my due date to accommodate the two previous months so that they would count towards the now NEW rehabilitation program. I asked to speak with a supervisor about an exception, he stated a supervisor would not be able to grant me any leniency and refused to escalate my call any further. I feel as though this tactic was disingenuous and also misleading since I was not told at any point during the call that failure of the payment from XXXX would now enroll me in an altogether new contract.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (NY)

I reviewed my credit report recently and I noticed there were XXXX  inaccuracies. 

I contacted XXXX, XXXX, and XXXX via telephone and by mail to dispute these unauthorized accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 2, states I have a right to privacy regarding financial information. 
According to my credit report, these entries related to these student loan accounts violate my rights to privacy. I would like to draw your attention to the XXXX XXXX XXXX, which mandates the protection of consumer financial information held by financial institutions. The inclusion of inaccurate student loan information on my credit report not only violates privacy rights but also potentially violates the provisions of this XXXX. 
15 USC 1681 section 2, also states a consumer reporting agency can not furnish and account without my written instructions.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Auto loan was paid and closed they refuse to remove it off my credit report and its negatively impacting me no matter what I do they wont remove it but yet I get calls and theyre steadily attacking my credit report with false information each month the vehicle was returned by my and then soon after was sold a month later the company itself is currently being sued due to false reporting information and illegally charging or doubling interest rates on vehicles they are trying to charge me for a vehicle that was fully paid off once sold it took them XXXX months just to come and get the vehicle from us as requested and then trying to charge us and sue us for things they have done in result of these fees
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

-check for {$4000.00} was written on XX/XX/XXXX to me from my uncle from my grandmothers estate as he is the administrator, This check was coming from XXXX XXXX -I deposited the check on XX/XX/XXXX into Chase. I have an existing checking account. I never had any accounts at XXXX. 
XXXX XXXX I got an email about fraud from Chase so I called at XXXX XXXX  that night to see what there is that I could do there was no resolution Other than being told that the check was deposited more than once. ( Which it wasnt ) XXXX XXXX called again spoke to the company about how to resolve this and was told the only way is XXXX verification through phone number and if that didnt work that he could recant the check through XXXX -Went in person multiple times to both XXXX and Chase to figure out why the check had problems and was told by both banks that the money had left the account at XXXX and I could no longer recant The check, the funds were now at Chase XXXX XXXX XXXX Uncle took all the steps to get XXXX verified as per chases request just for all my access to my accounts to be shut down the same week -On Saturday, XX/XX/XXXX, my local branch manager called XXXX fraud department at XXXX and was told that the money left and the funds should be released in a few days to XXXX XXXX XX/XX/XXXX, this was proven not to be true as my uncle and I went to XXXX to see if the funds arrived at XXXX to find they hadnt -I was told by Chase through calling the fraud line on the same day that my money would be held indefinitely if he cant be XXXX verified over the phone -This is all after the bank manager at XXXX verified with the XXXX fraud department that the check was only deposited and withdrawn once -On XX/XX/XXXX, a worker at the XXXX branch called fraud and was told that the money cant be released even though the number they called was verifiable, but no longer in service -uncle and I both offered to provide any documentation that can get him verified i.e. Social Security card, birth certificate, New York State, drivers license and employment documentation as well as paystubs and mail all of which were denied -uncle and I also offered to go in person to a chase headquarters branch where there could possibly have autonomy over the money and was also denied that -I asked for XXXX legal number and was denied that -Before this case got to the escalations department, I asked for that number and was denied, but finally worked my way up into that system -this XXXX verification seems like An unreasonable system that is a ploy to just have funds stuck in their accounts, so that consumers can no longer receive their funds. These verification systems in place do not allow the consumer to receive their funds due to the almost impossible means of getting verified. Although we live in the 21st-century there is plenty of people that do not have cell phones or home phones, and this way a verification just seems fraudulent.
Consumer complaint received 2024-05-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

My Loan was modified by Carrington Mortgage Services in XXXX of XXXX. 

I made my payment on XXXX XXXX followed by XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and a partial payment on XXXX XXXX. I then made slightly more than a double payment on XXXX XXXX followed by payments on XXXX XXXX, XX/XX/XXXX, more than a double payment on XXXX XXXX, and a payment XXXX XXXX. 

The sale of my home was supposed to close on XXXX XXXX. The closing date was pushed out to XXXX XXXX after the inspection was done. A couple days before closing, it was discovered that the septic system was leaking and had to be repaired prior to the home closing leading to the closing date for the sale being pushed out until XXXX XXXX. 

I immediately contacted Carrington Mortgage Services to make another payment to make certain there would not be a 30-day late payment. I was told by the Carrington agent not to make the payment because it would affect the closing quote and could cause a problem closing the loan. As the closing had already been changed twice before and I was already out of state, I did not make the payment as advised. The loan was closed, and the payment sent to Carrington on XXXX XXXX. Carrington applied the funds marking the loan paid in full on XXXX XXXX. 

Carrington is now reporting to the Credit reporting agencies that I was 30 days late in XXXX and XX/XX/XXXX. This false report is greatly affecting the purchase of my new home. 
I have contacted Carrington several times to no avail. I filed a complaint with the reporting agencies and Carrington sent them verification of everything I just said but stated the report was accurate. I filed a second complaint with the reporting agencies and spoke with a complaint specialist at XXXX. She pulled the information directly from the information Carrington sent to them. We went through it together and she stated the late reporting was obviously false and that she was sending a letter to Carrington demanding they correct the report. There has still been no action on this complaint. So far, the seller for my new home has been working with me but has stated that if I can not close the loan soon, they will sell to another buyer. 

I am begging you to help me with this matter as we looked very hard to find a home that fits my XXXX XXXX and do not want to have to start over again,
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Multiple reporting for the SAME card. When this happens, general purpose and store cards are contributing to the REAL debt already reported. As a result, debt is a HIGHER INCORRECT amount and I am at risk of only being offered high interest rates on everything I apply for or being turned down on all applications. How can anyone trust their score to be correct when errors like this continue to happen? NOT happy!
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

I was having a hard time last year was forced to fall behind due to multiple unforeseen events no fault of my own. I contacted Ally Financial in XXXX to resolve my delinquent issues. I was offered a payment plan for XXXX months. I paid over my normal minimum payment with a XXXX months payment plan. The entire payment place since XXXX was PRESCHEDULED and on AUTO PAY. Ally continue to report my account reach month as being late when all of the payment has been made ON TIME and AUTOMATICALLY. I disputed the error and Ally would just go an report my account XXXX late right after. Case in point they removed the recent XXXX error and yesterday I receive a notification they reported my account as late again.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NC)

I payed XXXX in XX/XX/2023, XXXX, XXXX XXXX XXXX XXXXeach month excluding only XXXX n they are wanting to repossess my car after I put a XXXX down payment n only missed one month. I payed more than XXXX extra every due date as well. I sent via XXXX XXXX online n to correct address do not know if wrong account number may have been in system or what caused error. Have sent proof of payments with zero response.
Consumer complaint received 2024-05-08
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: ALLY FINANCIAL INC. (TX)

Dear CFPB, I am writing to dispute the information on my credit report regarding Ally Financial and XXXX XXXX XXXX Bank. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on Ally Financial and XXXX XXXX XXXXXXXX XXXX. Please see screenshot attached : Sincerely, XXXX XXXX