davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I contacted a loan company to refinance our mortgage for a lower interest rate. In doing this, the gentleman advised me that we had a LOAN MODIFICATION marker on our credit history. I advised him that we have never done that and he told me to contact the institution and get it removed. I then called Carrington Mortgage Services and told them I had not authorized this and XXXX from customer service told me there was a loan modification done in XXXX XXXX. I told her I had not authorized and she said they would n't have done it without signatures. So, I requested signatures and low and behold, there are no signatures. I was then advised to send a letter to the research department asking them to remove it from our credit report ( XXXX XXXX, XXXX ) and was told to give it 30 days. I then called on XXXX XXXX, XXXX to now be told ( they said a letter was mailed to me XXXX/XXXX/XXXX ) that the original document states that if we DO N'T want the loan modification to contact them and a signature is not required. They also state that on XXXX XXXX, XXXX there was a verbal authorization over the phone. They did not document who gave that authorization. I then stated that I will be contacting a lawyer and the agent 'warned ' me that conversations are recorded for quality assurance. I then asked to hear my authorization. After many long hold, was told they will not release that to me. 
Each time I call and talk with someone, there is something else they blame it on or try and explain it away. All I am asking for proof that I authorized it or have it removed from my credit report. If I authorized it, so be it, although ... ..I do not recall it at all. I want it removed from my credit report, no telling how long this has affected us getting loans and better interest rates.
Consumer complaint received 2023-11-10
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: EQUIFAX, INC. (GA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX XXXX XXXX stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2023 my mortgage with XXXX XXXX XXXX was paid in full. I disputed the balance and they have refused to report that loan is paid in full and reported to credit bureau that their reporting in correct.
Consumer complaint received 2023-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.
Consumer complaint received 2023-09-05
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. (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. 
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 2024-04-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

To Whom It May Concern, I am writing to bring to your attention an issue regarding a lease agreement with XXXX XXXX, a rental company, entered into in XXXX. In accordance with the terms of the lease, my roommate and I submitted a deposit upon signing. However, due to the unforeseen circumstances of the XXXX pandemic, we were unable to occupy the premises and consequently returned to our respective homes without ever having taken residence. 

Subsequent to our departure, XXXX XXXX failed to return the deposit as stipulated in the agreement. Additionally, the company purportedly sought to enforce a XXXX move-out fee totaling {$13000.00}, despite our never having inhabited the premises. We promptly disputed this request in XXXX, as it was patently unjust given the circumstances, and subsequently heard nothing further from the company. 

However, to our surprise, in XX/XX/XXXX, nearly XXXX years later, we were contacted by Genesis, a debt collection agency, claiming that each of us owed an outstanding sum of {$13000.00}. This demand was accompanied by threats of legal action and derogatory reporting to credit bureaus. Such an assertion is wholly unfounded and represents a clear misrepresentation of the facts.

Moreover, the actions of Genesis have caused us undue mental distress and significant disruption to our daily lives. Their repeated and aggressive attempts to collect a debt that we do not owe have exceeded the bounds of acceptable conduct and may constitute a violation of federal regulations governing debt collection practices.

We expect a prompt investigation into the conduct of Genesis in accordance with applicable consumer protection statutes.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Re : All my Chase Credit Card accountsRequest for XXXX XXXX and all data filed with every credit reporting agency. 
I have significant claims for willful FCRA violations. While I have numerous paper copies of my credit reports from XXXX, XXXX XXXX and XXXX ( CRAs ), such reports are just a snapshot in time without any detailed activity or changes over time. I have made extensive direct disputes and indirect disputes through the CRAs. I need you to provide me with each and every submission that you have made to every crefit report agency including the XXXX CRAs for the last 2 years. I need every submission, including monthly data reported and off cycle interim data reported which document every point of data reported on your XXXX XXXX submissions. I need the raw XXXX XXXX data submitted with an easy to read coding for all data submissions. I need each and every change on my report at any point of time, which would include dates dispute or other codes were added, changed or removed. Moreover, I need the entire communication of every dispute investigation or other request submitted to you by the CRAs so I can compare it against my written disputes. Obviously, your reply to indirect disputes is required to be noted as a Data submission. I need to analyze the 360+ data points for every XXXX XXXX submission to compare against paper credit reports for accuracy, completeness and XXXX XXXX and FCRA compliance. I also need a compressive detail of every step taken to address each and every direct or indirect dispute that you have received including verbal, written or otherwise filed in CFPB submissions in its portal. I need all data which should be simple due to its computerization.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

this account is closed with a XXXX balance I had to file for bankruptcy because Toyota kept harassing me over the phone and sending people to my house Toyota keeps ignoring my request and keeps hanging the phone on me all of this has caused me emotional stress and XXXX  issues
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

Since XX/XX/year> this case was dismissed at court by Citibank representatives. Since then until present you have been reporting me negative to my credit report.I dont own any balance to Citibank like you are reporting me for the amount of {$5.00} that was only {$3.00} in only 6 months increase to the highest interest never seen before with no other bank. Please I asked you to removed me from my credit report.!! You dont have to report me for any balance that I dont have to pay. I dont own Citibank any balance. Thank you.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

Since XX/XX/year> this case was dismissed at court by Citibank representatives. Since then until present you have been reporting me negative to my credit report.I dont own any balance to Citibank like you are reporting me for the amount of {$5.00} that was only {$3.00} in only 6 months increase to the highest interest never seen before with no other bank. Please I asked you to removed me from my credit report.!! You dont have to report me for any balance that I dont have to pay. I dont own Citibank XXXX balance. Thank you.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (GA)

Dear Whomever it may concern, I am writing to express my extreme dissatisfaction with the continuous harassment and violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) by American Express ( AMEX ). Despite numerous attempts to address this issue, the relentless and inappropriate conduct persists, leaving me with no choice but to escalate this matter further. 

First and foremost, I have repeatedly requested to be placed on AMEX 's do not call list, in accordance with my rights under the FDCPA. However, these requests seem to fall on deaf ears as I continue to receive relentless calls from AMEX representatives. This flagrant disregard for my explicit instructions constitutes a clear violation of the FDCPA. 

Furthermore, I have explicitly requested AMEX to cease all communications with me by sending a formal cease and desist letter. Yet, despite this legal obligation, the calls persist unabated, demonstrating a complete disregard for my rights as a consumer. 

Moreover, what is even more distressing is that AMEX 's relentless pursuit extends beyond me to those around me. They repeatedly call friends, family members, and even acquaintances in what can only be described as a blatant attempt to harass and intimidate me. This behavior not only violates the FDCPA but also infringes upon the privacy and rights of individuals who have no involvement in my financial affairs. 

As a consumer, I demand that AMEX immediately cease all communications with me and refrain from contacting any individuals associated with me. This includes but is not limited to friends, family, employers, and colleagues. Such relentless and invasive tactics are not only unacceptable but also illegal under the provisions of the FDCPA. 

In light of the egregious and ongoing violations of my rights, I am formally requesting that AMEX take immediate action to rectify this situation. Failure to comply will leave me with no choice but to pursue legal recourse to protect my rights as a consumer. 

I expect a prompt and satisfactory resolution to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-17
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. (TN)

After multiple complaints and attempts to get inaccurate information removed, these credit bureaus are still reporting these negative items on my credit report. 
U.S. Department of Ed. Partial Account # XXXX .... 

The Credit Bureaus stated my account was " Properly Investigated '', but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, this is grounds for removal and violates my rights under 15 U.S.C Section 602 A. States I have the right to Privacy.

15 U.S.C Section 604 A. States A consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-20
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. (CT)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 2023-09-28
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-10-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My loan originated with XXXX, XXXX XXXX XXXX and was later sold to XXXX XXXX XXXX. I have an FHA loan. My mortgage fell into foreclosure due to a series of hardships and marital issues. I tried to do a loan modification but was declined. I subsequently opted for a short sale because I needed money to assist with relocating for my sons to keep custody of them and I also need to finish college and can not obtain the loans needed with the foreclosure. I listed my property with a Realtor, submitted my short sale package to XXXX XXXX XXXX and received an approval. As my approval came in, XXXX XXXX XXXX transferred my loan to Carrington Mortgage. Once my loan got to Carrington Mortgage, I spoke with a representative who said Carrington will takeover with the short sale from XXXX XXXX XXXX. He said the sales price needed to increase to XXXX and they had to have a minimum of {$87.00}. I told him that the cash buyer had already increased his offer and I sent the contract as requested to Carrington. I even sent updated income documentation. As I waited to get the green light to close, my home was foreclosed on XX/XX/XXXX and I was n't notified. I was caught by surprise. The attorneys for Carrington never sent me notice and I was waiting on Carrington 's short sale instructions. I raced to hire an attorney who objected to the sale. The property went back to Carrington, but the deed was not transferred because of the pending litigation. I need help resolving this matter
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (NY)

I just received my reinvestigation back from Experian. They said everything is % 100 complete and accurate. I would like to receive the description according to 15 U.S.C. 1681i ( 7 ). 
Because the list of accounts below are not accurate. The OPEN DATE, DATE LAST ACTIVE, AND DATE OF LAST PAYMENT. 
XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX. THEY DID NOT MODIFY OR DELETE THE INACCURATE INFORMATION ON MY CONSUMER REPORT ACCORDING TO 15 U.S.C. 1681 i ( 5 ) ( A ) ( i ) I attached my credit report.
Consumer complaint received 2023-07-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

I closed in XX/XX/XXXX. 
In XXXX I started having predatory lending practices against me, denying modifications, harassment, I fought the companies, one after another after another until XX/XX/XXXX I won, the judge removed the Lis Pendens, Subsequently, I have been harassed continuously by one company after another, all listed with the FBI. 
On XX/XX/XXXX, my kitchen caught fire. I have fought to collect my money to no avail from XXXX XXXXXXXX XXXX  in Florida. They forced me to endorse the check to Fay Servicing Mortgage Co. 
I have had a destroyed kitchen, and need to make repairs, and now another winter is approaching.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (DC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Balance : {$2800.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$13000.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$980.00} - Your records are revealing conflicting and incorrect information compared to other bureaus XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX XXXX XXXX Balance : {$1900.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX Balance : {$720.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance : {$1400.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$2400.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed
Consumer complaint received 2023-07-20
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. (CA)

This is my second 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 XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX