davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Hi, On XXXX, from XXXX XXXX, I had a loan to purchase a house, on XXXX XXXX XXXX switched the loan to Carrington mortgage services ( they do n't have office in the state of Texas ), since then I having problems with this company because all they 're telling me is n't true.A couple of days ago I received a letter saying that they increased the home payments, I called, and they say there are XXXX reasons, XXXX reason was because the insurance went up, the other reason was because the XXXX city taxes went up, but I told them that this house is exempt of taxes because I 'm XXXX, then they change their mind saying that there is an error on the XXXX contract, I asked them where is the error because I have copy of the contract, then they changed their mind again saying for other reason not written in the contract, so they lie to many times. I 'm disable, they do n't have office in Texas, and for me is very hard to talk with a manager to ask why they lying to much. I was paying $ XXXX/ month and they increased to {$400.00}, and if I add the difference of the insurance, go to {$370.00} no {$400.00}. What action I want you to take? transfer the loan back to XXXX, but they Carrington wont do that. I need your help
Consumer complaint received 2024-03-02
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: Experian Information Solutions Inc. (TX)

I looked at my report back on XX/XX/XXXX XXXX  and noticed some things are incomplete and not accurate. And 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 the individual about whom the report relates. These accounts 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  are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
o this law they are suppose to provide me a description of the cording to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

according to 15 USC 1681s-2 they are suppose to 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 2023-06-14
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. (NV)

Experian is allowing fraudulent info on my report and I have disputed it and they have taken NO action on my behalf. 

Following are NOT accurate : XXXX Reporting {$290.00} I have returned ALL equipment and they are still reporting it. 

XXXX XXXX XXXX for {$890.00}. This is dut to ID theft and NOT mine!!!! 

XXXX XXXX {$3100.00} This belongs to my ex per divorce decree
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: Experian Information Solutions Inc. (VA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, and Equifax show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$0.00}, Paid, closed, 32 late payments This account was closed and charged off years ago. 
It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Information about XXXX  XXXX XXXX continues to appear on my credit report, however XXXX XXXX  XXXX have no information on me said account on their data base. I have tried to dispute it, but it continues to appear on the reports. The credit bureaus advise me to get in touch with XXXX  XXXX XXXX and XXXX  XXXX XXXX advise me to get in touch with them. I've been going in circles for months, to no avail.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>XXXX XXXX XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-03-16
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-16
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: Prosper Marketplace, Inc. (FL)

I should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.
Consumer complaint received 2020-02-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

ARS ACCOUNT RESOLUTION, has attemtped to collect a eronous debt from XXXX XXXX XXXX XXXX for {$350.00} since XX/XX/XXXX. This amount in question was paid directly to the Doctor 's office in question in late XX/XX/XXXX prior to ARS ever taking the account. I have tried mulitple times to dispute the amount in question directly with the ARS as well as disputed the charges via XXXX  and XXXX XXXX. ARS continues to show this debt/collection on my credit report negatively. They are showing and attempting to collect in error and refuse to remove this from my account. I have also advised ARS of a Cease and Desist back in XX/XX/XXXX.
Consumer complaint received 2020-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I HAVE BEEN ASKING THIS COMPANY FOR A YEAR NOW TO SEND ME DOCUMENTATION WHERE THIS ACCOUNT IS MINE,. 
I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX ( XXXX XXXX XXXX? 
I AM ASKING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY XXXX XXXX XXXX  Reported : XX/XX/XXXX {$8700.00} Closed OTHER LOANS XXXX  XXXX XXXX # XXXX Reported : XX/XX/XXXX {$230.00} Needs Attention XXXX XXXX XXXX # XXXX Reported : XX/XX/XXXX {$400.00} Closed XXXX/XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed
Consumer complaint received 2018-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (CA)

Borrowed {$900.00} company makes remote checks and has taken almost {$2000.00} alraedey from me and still shows I owe {$1300.00}!!! 
If I make a payment they they make a new contract for remaining amount and so more interest Im pretty sure this is illegal as I just got a settlement check from XXXX case and this company seems the same I can not stop the remote checks according to XXXX  unless I close my bank acct and I donr se why I should do that Company now appears to operate off shore in XXXX XXXX How can thay charge an interest rate of 842 % and make a new contract every time I make a payment?
Consumer complaint received 2018-03-12
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (OH)

In XX/XX/2006 i attended XXXX XXXX XXXX XXXX, I currently have {$26000.00} in student loan debt. XXXX XXXX XXXX was not fully accredited, none of my credits transfer. the program closed soon after the college itself was shut down.
Consumer complaint received 2023-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I made a lump sum payment to XXXX XXXX services that was more than $ XXXX making this payment the agreement was that it would be reflected on my credit report. They refuse to report it. 
In XXXX I filed bankruptcy and included the XXXX XXXX XXXX, and signed a reaffirmation agreement. ( I continued making payments ) Before adding the XXXX to the bankruptcy I asked if this would reflect on my credit as IN GOOD STANDING? The response was " Once the car is paid off it will reflect on your credit report as paid off ". They did not tell me that they were going to take the loan off of my credit report completely. Once I realized that it was not showing at all I called them and asked what happened. They explained that the loan would reflect on my report once I paid it in full. Over the course of the next 4 years I was late 2 or 3 times and moved one payment to the end of the agreement. Every payment after that was mostly early and on time. The car was paid off ahead of schedule. The amount that they were given at once was a very large amount of money, and now they refuse to comply with the agreement. 
Also the car had several repairs done in XXXX while sitll under warranty. Two months after the same repair was done 3 times the warranty had expired and the same issue occured, they refused to replace the brand new parts that they had replaced 3 times. Documents to support my issue are available.Also the radio has blacked out and this was an ongoing issue shortly after I purchased the car brand new.
Consumer complaint received 2023-03-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I need the following to be updated right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXX 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 2021-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America claims I did not have enough money in my account to cover the XXXX debit so they are reversing it, and giving me a {$35.00} overdraft on top of it. 

I have proof that at the time it was debited from my account, there was enough money to cover. 

Bank of America again using dirty tactics to pull the wool over customers eyes.
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX  charged off my account to XXXX XXXX XXXX per my credit report. They have not contacted me AT ALL via mail or phone call regarding this matter. Now suddenly they are calling my employer, and worse than that they are calling my boss 's direct work number!!! They have called him 4 times now just today - they tell him they need to speak to me regarding a personal credit matter - and on another call to him they told him it is regarding a collection for debt owed!!! My boss has transferred them to my direct line every time - and i don't answer because i am on the clock - so i let it go to my voicemail box - but they don't even leave a voicemail for me on my voicemail! not once have they left me a voicemail! now my boss has called me into his office and is telling me these phone calls need to stop - they are completely harassing me and they are stating details to my boss that they should not be - and they have never even contacted me directly!
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (NY)

I received a letter from XXXX XXXX XXXX saying i owe them a debt. please provide a certificate of indebtedness showing i owe XXXX XXXX XXXX a debt. they said i owe XXXX XXXXXXXX bank. please provide a certificate of indebtedness from XXXX XXXX XXXX 
Attached is prove i disputed the debt within the proper timeframe and XXXX XXXX XXXX is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (TX)

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I contacted the bureaus and supplied and FTC theft affidavit, a police report and proof of identity. 
The XXXX XXXX credit card wasnt opened by me. 

The bureaus have failed to follow the FCRA 605b in regards to identity theft and are in DIRECT violation of the law
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I ca n't communicate with the credit reporting company. Every time I try they inform me the information I provided was incorrect. The information I provided is the only information I have on me, my name, my address, my SSN, and my date of birth. This information have n't changed in over 25 years. For them to tell me this information is incorrect leads me to believe, that, maybe the information they have is incorrect. If so, the information they are reporting on me is inaccurate. I 'm just trying to submit documents to conclude a 6 year battle I had with student loans.
Consumer complaint received 2024-03-02
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)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2020-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.