davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-27
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by XXXX, a creditor with whom I have a loan agreement. It comes as no surprise to me that XXXX ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

XXXX has consistently reported inaccurate information to all three major credit bureausTransUnion, XXXX, and XXXXregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, XXXX has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, XXXX employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to XXXXXXXX XXXX predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, XXXX has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by XXXX have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with XXXX, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into XXXXXXXX XXXX predatory lending practices and inaccurate reporting to the credit bureaus. I ask that XXXX be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

We fell behinde in our mortgage due to my husbands injury he became XXXX Ive been trying for years to get help from XXXX  XXXX XXXX witch was our bank. Now it is carrington Ive wasted countless dollars on modification companys an attorneys fees that promised they can help me now in the mist of ll that I XXXX XXXX was diagnosed with XXXX XXXX an also XXXX XXXX XXXX XXXX it has been nothing but a emotional roller coaster an financial as well I need help carrington saying I have no options left. I also believe that when we refinanced from an adjustable rate into fixed I feel I was sold a predatory loan for sure my name is XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

On XX/XX/XXXX, I spoke with several XXXX XXXX representatives regarding my monthly mortgage payment that is increasing in XX/XX/XXXX. XXXX representatives I spoke to were rude and had no clue as to how to answer my questions or explain what went wrong within my property taxes or escrow analysis. All they did was " pass the buck '' to the next person because they are incompetent and untrained. 

In total, I spoke to XXXX representatives and XXXX of them had the nerve to accuse and blamed me for having an escrow shortage! I kept insisting they made a mistake on my escrow analysis that was completed in XX/XX/XXXX which caused my XX/XX/XXXX mortgage payment to go up. I'm not the issue, they are! 

After asking to speak with a supervisor, I got a representative who looked further into the matter. However, let it be known this particular representative played the blame game as well stating at the end of the day, I have to pay my taxes. I informed this representative ; at the end of the day I have to pay the CORRECT TAX AMOUNT not some WRONG NUMBERS falsely made up by Carrington Mortgage! 

This representative called XXXX XXXX XXXX XXXX XXXX XXXX Collector, and it turned out CARRINGTON WAS AT FAULT FOR AN XXXX ESCROW ANALYSIS RAN IN XX/XX/XXXX. This representative informed me the escrow amount of {$2400.00} was only supposed to be paid for " XXXX  months '' due to a refund I received for my XXXX percent XXXX veteran 's exemption and the remaining XXXX months was to be for {$2900.00}. Carrington took only {$2400.00} for the entire XXXX  months which cause me to have a shortage of {$1300.00}. This caused my XX/XX/XXXX payment, and remaining payments increase. How did they miss this?! It's because they have no quality control department and are incompetent. They do not pay attention to detail. Although this representative apologized for the mistake and stated she would have an emergency escrow analysis ran within XXXX hours, this caused an unjust financial hardship upon me. It doesn't make this horrific experience with them any better. 

In XXXX, I fought Carrington over this same issue, about my payment going up and THEY STILL DID NOT GET IT RIGHT! This is the second year I've had to fight against Carrington Mortgage about my mortgage payments increasing/incorrect property taxes/incorrect escrow analysis. 

Carrington does not care about their customers ; they don't have a quality control department to make sure these types of mistakes don't happen. I can imagine the number of customers they have caused financial hardships, foreclosures upon due to their unethical and predatory practices. Carrington mortgage needs to be put out of business. There needs to be stricter repercussions for their carelessness and uncaring attitudes. Consumers are being wronged by Carrington Mortgage ; something needs to be done!
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R & B Corporation of Virginia (VA)

CCC sent me a letter dated XX/XX/2016, but received on XX/XX/XXXX about an alleged debt. I immediately sent a DV letter on XX/XX/XXXX requestion validation for this alleged debt. The company failed to respond to my debt validation letter, but proceeded to place one of the accounts on my credit report in early XXXX. Once I realized this, I sent a second letter stating that this item should be removed from credit file until I receive the validation I requested. This letter, too, went ignored. As of today, XX/XX/XXXX, this item is still on my credit report and the credit bureaus have told me that they can not remove it because they do not handle non validations. Besides, failing to validate the alleged company ... it shows that the company had the alleged debt since XXXX and waited until XXXX, nearly two months later to contact me.
Consumer complaint received 2024-07-26
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX Please cease the reporting and delete this account
Consumer complaint received 2024-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commercial Acceptance Company (PA)

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company Commercial Acceptance Company has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card bearing my signature, the shipping number, and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card proving that they sent me the notice at least 5 business days before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Consumer complaint received 2024-05-06
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. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-02
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)

This is my second-time requesting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$100.00}
Consumer complaint received 2023-07-11
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. (FL)

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Violation of the FCRA and is in violation of requisite METR02 Compliant reporting standard.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I am writing to dispute the removal of my account from your credit reporting database. It has come to my attention that XXXX XXXX is no longer reporting my account information to the credit bureaus, which has negatively impacted my credit profile and ability to access credit. 

My account with XXXX XXXX has been in good standing for several years and I have consistently made on-time payments in accordance with the terms of the agreement. However, I recently discovered that my account information no longer appears on my credit report, leading to a decrease in my credit score and potential difficulties in obtaining credit. 

The removal of my account from the credit bureaus ' reporting system is inaccurate and unfair, as it does not accurately reflect my credit history and responsible credit management. It is essential that my account information is accurately reported to ensure a fair assessment of my creditworthiness by potential lenders and creditors.

I respectfully request that you investigate the matter and reinstate the reporting of my account with [ Company Name ] to the credit bureaus. I have attached relevant documents, such as account statements and payment history records, to support my claim and facilitate the resolution of this issue. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation once my account information has been reinstated in your credit reporting system. Please contact me if you require any further information or clarification. 

Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
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. (OH)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX. XXXX XXXX {$710.00} XXXX. XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1100.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I've noticed some not accurate information on my file. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning indiviiual whom report relates. 

I've sent numerous letters asking to reinvestigate account listed below. 

XXXX XXXX XXXX XXXX Loan, this account does not belong to me, information is not accurate, never cosign or have any joint account. 

tracking # XXXX XXXX XXXX XXXX XXXX XXXX mail XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX certified mail to Experian XXXX XXXX XXXX  XXXX