davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I purchased my home ( XXXX XXXX XXXX. XXXX XXXX, FL XXXX ) on XXXX XXXX, XXXX. I financed my mortgage through XXXX. On XXXX XXXX, XXXX my mortgage was sold by XXXX to Carrington Mortgage Services , LLC . At the time this did not present a concern to me. I made my XXXX XXXX mortgage payment to Carrington and everything was fine. In XXXX XXXX I received my mortgage statement from Carrington and my payment had been raised from {$1100.00} to {$1200.00}. On XXXX XXXX, XXXX I called Carrington to inquire about the {$160.00} monthly increase. I was told that my insurance had not changed, but that my taxes had gone up {$790.00}. I verified the tax increase with the county, so I know that figure is correct. I then asked why my payment had increased by {$160.00}, since the tax increase should have only increased my payment by {$66.00} per month. I was told that it is their business practice to hold a " two month cushion '' of my escrow account. This is not in my original loan terms with XXXX and I never agreed to these terms. I am agreeable to pay the extra {$66.00} per month to cover my tax increase, but I do not see why I am required to pay an additional {$98.00} per month so that Carrington may have a " cushion '' for my escrow account. I was told by the customer service rep on XXXX XXXX that I could request to hold my own escrow account. On XXXX XXXX, XXXX I sent a letter to Carrington via fax as well as certified mail requesting that I hold my own escrow. On XXXX XXXX, XXXX I received a response via USPS mail from Carrington denying my request to hold my own escrow. As a XXXX female veteran, with a VA home loan, I am appalled by the business practices of Carrington Mortgage Services. They are STEALING money from their customers. I am not the only one to experience difficulty with this company. A quick XXXX search shows hundreds of people being taken advantage of by this company. My next step must be legal action, but I am hopeful that the Consumer Financial Protection Bureau will look into this and put a stop to this disgraceful company.
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Firstly, on XXXX, I paid for a month of XXXX XXXX  from XXXX via PayPal. 
Secondly, on XXXX, I received a new chargeback bill from PayPal and immediately logged on to the shopping site to check and found that I had signed an automatic chargeback agreement without my knowledge. 
Thirdly, I signed an automatic chargeback agreement with full knowledge. My intention was to purchase only one month of agency services and I was unaware of signing up for the automatic debit service. However, PayPal violated my rights by automatically debiting me without confirming the billing agreement sent by the merchant. 
Fourthly, the billing agreement with the merchant automatically opened the renewal service without my knowledge, without providing a clear button to click to confirm, and opened by default, violating my right to choose. 
Fourthly, the billing agreement with the merchant automatically activated the renewal service without my knowledge, without providing a clear clickable confirmation button, and by default, in violation of my right to choose ; PayPal is obliged to review such fraudulent practices and assist consumers in recovering their losses by providing collection services to merchants.
Consumer complaint received 2023-04-18
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: Synovus Bank (TX)

On XX/XX/XXXX and On XX/XX/XXXX I mailed a certified affidavit to XXXX XXXX and XXXX XXXX XXXX stating that I did not authorize or give consent for their company to share my personal information with any third party and that is identity theft. The company has failed to respond and the items is still on my consumer report.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.
Consumer complaint received 2021-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAP ONE NA Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-02-17
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: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Consumer Response Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Unauthorized Hard Inquiry on XXXX Credit Report by XXXX XXXX Dear Sir/Madam, I am writing to formally dispute an unauthorized hard inquiry on my XXXX credit report. This inquiry, made by XXXX XXXX XXXX XXXX ( NAVY FCU ), was recorded on XX/XX/2024, without my consent or authorization. 
As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report. The FCRA mandates that all items on a consumer 's credit report must be fair, accurate, and substantiated. An unauthorized hard inquiry violates these principles, as it suggests a credit check initiated without my permission. 

The details of the disputed inquiry are as follows : - Inquiry Date : XX/XX/2024 - Reporting Agency : XXXX - Inquiring Organization : NAVY Federal Credit Union I request that the Consumer Financial Protection Bureau investigate this matter and ensure the deletion of this unauthorized hard inquiry from my XXXX credit report. I have not initiated any transaction or application with NAVY FCU that would warrant a hard credit pull. Therefore, this inquiry is a clear error and must be addressed promptly to prevent any unwarranted impact on my credit score. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry and any other relevant documents for your reference. Please note that I have also contacted XXXX and XXXX XXXX directly regarding this matter. 

I trust that the CFPB will take swift action in accordance with consumer protection laws to resolve this issue. I kindly request a written confirmation of the deletion of this inquiry from my credit report upon resolution. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : [ List of documents enclosed, e.g., copy of credit report, correspondence with XXXX or XXXX XXXX, etc. ]
Consumer complaint received 2022-05-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$7100.00} All accounts were deleted XXXX but constantly reappear on my report. 
This information is inaccurate and should be deleted ASAP. I will be prepared to take legal action.
Consumer complaint received 2022-05-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX  XXXX  Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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
Consumer complaint received 2021-11-20
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: Shellpoint Partners, LLC (CT)

I have submitted letters from creditors stating that they made a mistake and that the negative information had to be reverified by a company that already stated in email and by notarized statement that the negative information on my credit report needed to be removed. XXXX is being incompetent and not following what the creditor themselves asked to have done.
Consumer complaint received 2019-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

On XX/XX/XXXX, someone fraudulently charged my credit card upwards of {$1300.00}. 
On XX/XX/XXXX I discovered the fraud, and worked with my bank to move my money over to a different account. 
On XX/XX/XXXX I submitted a direct debit update to FedLoan requesting that they pull my payment that month from my new account that had just been created. 
On XX/XX/XXXX FedLoan charged me a {$58.00} non-sufficient funds fee. 

I asked for a refund in light of the fraud, and because I haven't missed any payments in the past. I also sent documentation from my bank with date stamps per their request to prove my fraud claims were true, and that even with {$1300.00} in fraudulent charges I still had the money leftover to pay my monthly loan payment. I was told that because I didn't cancel my direct debit three days before the payment due date ( this would have been impossible as, again, I didn't discover the fraud until the XXXX, which is the day before the payment was due on the XXXX ), and because they sent me a reminder email on the XXXX of XXXX about the payment ( irrelevant as everything with my money/accounts was fine on the XXXX and I can not see into the future ), it wasn't their error and they refused to reimburse me.
Consumer complaint received 2022-05-23
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (TX)

I requested validation and all original documentation stating that I have a signed contract between this company CKS PRIME INVESTMENT of the alleged debt this company stated. I allegedly owe the sum of {$810.00} and the 3 major credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2021. I haven't received any of supporting documentation from these XXXX company nor the credit bureaus. Supporting their claim over this alleged debt sent to me. XXXX  respondent vie e-mail with their company results stating that they ( XXXX ) was able to verify the alleged debt with this collection agency, but did not send me the supporting documentation on how they was able to verify this alleged debt. I received a statement from XXXX XXXX sent on XX/XX/2021 stating their company verify the debt without any supporting documentation being sent to me as requested in the letter I sent to their company no response from XXXX. Due to no receiving any documentation from none of these parties listed above. On XX/XX/2021. I sent XXXX  request sign affidavit to retrieve documentation from the 3 credit bureaus and XXXX request signed affidavit certified mail with a return receipt to CKS PRIME INVESTMENT asking for all of the documentation supporting the alleged debt these company stating I allegedly owe to them. I received a response from XXXX XXXX email on XX/XX/2021 of their company investigation stating that they still verified the alleged debt as being accurate with both collection companies without send me any documentation supporting their method of verification of this alleged debt nor supporting documentation that I requested. No response from CKS PRIME INVESTMENT, XXXX XXXX and XXXX.
Consumer complaint received 2021-11-20
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 — Investigation took more than 30 days
Company: Upstart Holdings, Inc. (CA)

On XX/XX/XXXX, I noticed there was a balance on my credit report from Upstart. The loan was cancelled and I was trying to remove this from my report due to there still being a balance and my inability to negotiate to pay and remove this issue from my credit report. Also, the loan is listed in as a student loan. This was private loan for a coding bootcamp called XXXX XXXX ( XXXX ), which did not satisfactorily land me a job, nor were they even officially accredited at the time.
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this investigation, notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) RXXXX XXXXl ( XXXX XXXX of XXXX ) XXXX ( XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-05-23
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (WA)

I received a notice from Wells Fargo bank stating that they were thanking me for opening a credit card and that I would soon receive it in the mail. I never applied for a credit card with Wells Fargo. I called Wells Fargo and asked what was going on. They looked and said a card was opened in my name no charges had been made and that I should be receiving my credit card in the mail to my address. I told them I did not apply for this credit card I do not want it. They said it mustve been opened in my name fraudulently which did not make any sense to me considering the mail came to my house and no charges were made on it. They said the card was open on XX/XX/2021. XXXX concerned this is more fraudulent activity by Wells Fargo.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XXXX XXXX, 2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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. (TX)

In accordance with the Fair Credit Reporting act Convergent Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (OH)

I went to US Bank to close my XXXX XXXX account in XX/XX/XXXX and followed up in XX/XX/XXXX. When I gave my ID to the teller she told my grandmother account was closed already but I have a charge off amount that I need to pay. I told the teller have a have charge off balance with them over {$300.00}. I told the teller I closed my account by in XXXX with a XXXX balance. The teller goes to tell me the account was opened in XXXX, Kansas. I told her that was odd because I have lived their since XXXX. The tell goes to tell me to call the fraud department for US Bank. 

So I called the charge off department and the fraud department tell them know it was not me that opened that account in XXXX, Kansas because I haven't there in over 20 years. I even asked how did the account get open with out my ID the fraud department couldn't answer the question. So the lady that I spoke to said that she will file a police report that day. And as of today I have not heard back from US Bank. 
I had for me to open account with a bad check account that I didn't open. The information show up on Checksystem.
Consumer complaint received 2021-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

XXXX XXXX, XXXX is the debt collector who keeps contacting me by phone, harassing calls and have reported this unverified to debt to all three credit bureaus. I have asked them several times to validate this debt per 15 USC 1692g Sec.809 ( b ) of the FDCPA guidelines and they have yet to do so. This collection has caused me to endure denial of credit, lowering my XXXX score and causes defamation of my character. XXXX sent my billing statements from XXXX XXXX and some redacted XXXX post early out flow sheet which doesnt validate this debt as l have requested on XXXX see attached letter sent and in their response dated XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have submitted several disputes to the XXXX  credit reporting agencies XXXX, XXXX, and Equifax over the past few months to remove several inaccurate accounts on my credit report, along with personal information that doesn't belong to me and some unauthorized inquiries. I noticed there were several laws that were not abided by with the credit reporting agencies and I have listed them below. 
According to XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
They were fully aware of the inaccurate information which I will provide screenshots down below Another violation I wanted to point out is it is their duty to report the maximum possible accuracy according to XXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report 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.