davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

I bought my home with a government backed FHA loan in XX/XX/XXXX. I am now facing foreclosure because of a misunderstanding regarding the mortgage payment. I have been told that there are no options for help besides full reinstatement or an expensive repayment plan. I feel that Carrington Mortgage has obstructed access to government programs that should be made available to me since I have a government backed loan. I have never been considered for a loan modification or a partial claim and was not even aware that there was a problem until two months ago. When I bought the home I lived here with my boyfriend and XXXX XXXX. My boyfriend covered the mortgage payment and I took care of all of the bills and groceries. In XX/XX/XXXX my boyfriend separated from me and moved out. Since we share a XXXX  we made an agreement that he would continue to pay the mortgage payment until XX/XX/XXXX and I trusted that he was following through. 

I was contacted by Carrington collections in XX/XX/XXXX and told that I was behind on the mortgage payment. This was the first I had heard of this, as I was being misled that my boyfriend was still covering the house payment. I found out that he had not made a payment since XXXX. I spoke with an English speaking representative and there was some difficulty understanding because of language barrier. They offered me a repayment plan that I believed required a one month payment of {$2200.00}. I made the first payment and thought after that my payment would go back to {$1300.00} but then realized that there were two more payments of {$2200.00} that I could not afford. I called back in and asked for a Spanish speaker who helped me better understand. Once it was explained to me I said I could not make this payment. The agent said they would look at the information and see what they could do to help. I did not hear anything from Carrington so I called back and found out that I am in foreclosure. 

I am a single mom who works full time as an XXXXXXXX XXXX at the XXXXXXXX XXXX XXXXXXXX XXXX. I was surprised to find I was behind because my ex-boyfriend lied and told me he was still paying. Now the court said he has to pay me {$600.00} a month in child support but he has not given me any of this money yet. I do not want to lose my house and I know that because I have an FHA loan that there were several programs that could help and feel that Carrington should have explained that to me instead of pushing me into a repayment plan. I have never been granted access to government programs that your Carrington is required to make available to struggling homeowners with FHA loans. I have never been reviewed or considered for any of these programs like loan modification or deferred partial claim or recapitalization of arrearages or 12 month repayment plan ( not 3 month ) that your company needs to review me for. This has never happened.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent all required documents to the bureaus as attached. which are my driver license, social security card, current bill police report and also letters to each bureau with fraudulent account noted. and none of the accounts where remove
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc (TX)

So Hunter warfield INC has been posting things on my credit report file and sending me mail to my house and emails, saying i owe a debt of which i dont not. also ive attempted to dispute it with them and i have had no success. also it told me it was closed and reopened, which indicates to me that it is a sold debt. so in any case it shouldnt be on my file in the first place. could you please remove it?
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (UT)

I received XXXX automated phone calls on Sunday XX/XX/XXXX at XXXX, XXXX and XXXX. All in which customer service is closed on a Sunday. I have already spoken with a representative about my payment being late due to health issues ( had recent multiple surgeries ) and the representative said it would be okay.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

My car was stolen in the month of XXXX and I was unable to make my car payments to my lender at Ally Auto due to the financial hardship I was then told that my insurance company XXXX was going to pay Ally Auto the remainder that I owed on the car due to it being totaled. XXXX was having issues with the adjusters and sent the check to them late but they stated they have received it and it shows clear on their end.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Revolut Technologies Inc. (FL)

Got scammed at XXXX gas station through secondary transaction : I stopped at the gas station between XXXX and XXXX in XXXX and paid XXXX XXXX pesos ( XXXX $ ) for filling up, while the staff at the gas station has been holding my card ( less than XXXX minute ), another physical transaction occured - for amount of XXXX USD, with the merchant registered in XXXX XXXX ( 2000 km away ). I've noticed it only when I was out of the gas station as it has been overlaid by the transaction in pesos, but it was within a few minutes since it happen and i've texted XXXX support through the chat right away ( only way to contact them ). 

Obviously, I didn't authorize this transaction in any way, nor provided any personal or PIN details. I've been told to submit a claim and terminate the card, which i've done. 

Next day I received a very detailed answer " we didn't find any fraudulent signs '' - please ask in the chat if you need any details. 
Thrown away another XXXX hours in the chat talking to basic support and than a " XXXX '', with all replies being very simillar to generated by ChatGPT telling me how sorry they are about poor experience and their hopes of it getting better in the future... 

So whenever such scam occurs- all that XXXX does is forwarding a claim to VISA ( card operator ) and then just say it's XXXX 's decision and they can't do anything else but feel sorry for me. 

To me it looks as a very obvious and straightforward fraud, which can be verified very easily- it's a pity that the approach taken by this financial institution is to do nothing to prevent this and helps such criminals to prosper.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
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. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian

Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have two unknown accounts that I never applied for showing on my credit file.

these following accounts are not mine please delete/remove XXXX {$1800
.00} , XXXX XXXX {$8800.00}. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity a

nd 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account :
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

My debit card was stolen and transactions were made on my account without my knowledge for 90 days until I have noticed. I have reported my card as stolen the moment I became aware of it and disputed all the transactions involved totaling ~ {$3000.00}. During the process I found out PNC Bank gives their customers 60 days for disputes and a month worth of fraudulent transactions were not credited back. I have lost ~ {$800.00} because of that. Through my research I was able to find out 60 days is the minimum dispute time limit allowed by the government and while PNC chose to implement that, other banks in the area ( XXXX, XXXX XXXX, XXXX XXXX XXXX ) give their customers 90 days or more. The debit card is backed by XXXX and many of the transactions in question had gone through their payment platform. XXXX offers 120 days for disputes to their customers. XXXX representative told me over the phone they do not deal with this outside of reporting the card and issuing a new one and my financial institution is my only option. Escalating my problem within PNC allowed me to talk to some of the managers including my personal case manager and all of them follow their cold rules without exceptions. After telling my case manager about other banks offering 90 days I was told she doesn't care about what other banks do. Banks and XXXX make billions of dollars in net profit every year and refuse to do what is right for the hard working American citizen. They place the burden of what was essentially stolen from within their institution, without any wrongdoing on my part other than not being vigilant enough, onto me. The whole premise of a bank is to keep money safe.
Consumer complaint received 2023-09-13
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. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC (TX)

I received an unsolicited text message from XXXX which stated, " Capio Partners, a Debt Collector : We recently sent a letter about acct XXXX. Call XXXX or visit https : XXXX to optout txt STOP. '' I have no knowledge of this company and I do not have a contract of any kind to do business with them. I feel threatened by this action of some stranger contacting me regarding I debt that I don't owe and telling me to pay them. I did not give this company permission to contact me and They have no permissible purpose to do so.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-17
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. (MI)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: FlexPath Capital, Inc (CA)

Please see the prior complaint : XXXX Flexpath Capital has shutdown and now, I cant contact them at all to find out who is servicing my loan. They have my address but havent sent any notices. 


If tried email and contacting the following without success : XXXX Flexpath Capital LLC XXXX XXXX XXXX XXXX FL, XXXX ( XXXX ) XXXX Also : FLEXPATH CAPITAL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX USA ( XXXX ) XXXX
Consumer complaint received 2023-11-20
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-08-18
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: ENCORE CAPITAL GROUP INC. (NY)

Today I checked my credit report and I see from Midland credit management you are reporting a debt of {$660.00} for a product that I supposedly acquired with XXXX XXXX I have never had and do not have any product with XXXX XXXX and it is affecting my good credit report
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On  XXXX   XXXX ,  2017 , I sent Transunion a lette r 3 wee ks prior regarding several inquiries that were not authorized by me. I wanted to check the status the representative then sent me to a supervisor. Supervisor was extremely rude. I asked him if any of the inquiries were coming off because I am going to open a new account but do n't want them to open the account and issue me high interest due to inquiries that were not mine. He told me none of the inquiries were coming off. I advised him several times that they were not authorized by me. He told me to contact the companies, which I already did. Those companies advised me to dispute with Transunion. He told me he and the company refused to delete them. He advised me to make a police report. I do not have time to make a police report for something that happened without my conse nt 1 or m ore years ago. I tried to explain this to him and he completely refused to honor my request. I am trying to rebuild and establish new credit, these inquiries are preventing that.
Consumer complaint received 2023-09-13
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. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX