davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

Carrington Mortgage has done two escrow analysis on my home within one year! I read on their website they do it only once. Soo now they have done this twice and my payment since then has went up over XXXX XXXX I dont believe this is right, or legal. I seen they have tons of complaints and hate that my mortgage got sold to them. I have also tried several times to call them and I can never get in touch with anyone.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 usc 1681 section 602 a states i have the right to privacy.

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the rperson knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-13
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: CREDIT ACCEPTANCE CORPORATION (CA)

I have incorrect information reported by Credit Acceptance on my credit report, I have disputed this matter with XXXX, XXXX, XXXX, & through the CFPB. Credit Acceptance has XX/XX/22 Account Balance {$16000.00} reported to XXXX & on XXXX report is {$16000.00}. This is a direct violation under the FCRA and Im invoking my rights.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

In XXXX of 2016 I moved out of my apartment and across town to another complex With the move I signed up with a new electricity provider and called to cancel my service with XXXX XXXX XXXX. The following month I was charged for another month of service from XXXX XXXX at the old address and when I called them to ask about it they told me they did not disconnect the power and my best option was to put a stop payment on the extra month. I did so and now a debt of {$200.00} is with the collection agency Convergent Outsourcing Inc. I have tried explaining my position and even settling the debt to clear my credit report to no avail. I have never missed a payment on anything and before this incident my credit score was nearing 800. I wish I had documentation to help my argument but I was just a XXXX college kid at the time and didn't think my credit would get ruined by this.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was vacationing in XXXX on XX/XX/XXXX and my phone and credit card was stolen out of my pocket while walking down the street. I closed the credit card and reported my cell phone as stolen with XXXX, XXXX, and the XXXX Police XXXX On XX/XX/XXXX I received a text message from an unknown number telling me that my phone was found and I had to log into XXXX to view it's location. After inputting my phone password I realized I had been victim of a phishing scam to access my cell phone. About 30 minutes later I check my email and got a notification from Wells Fargo that I had used XXXX to send {$1000.00} to " XXXX XXXX. '' I was able to track my call phone and it was in XXXX when the transaction occurred. Within 2 minutes I call Wells Fargo and report the fraud. They interview me and tell me they will open a case. A month goes by and I don't hear anything from Wells Fargo so I call them to get an update on the case and they tell me that my claim was denied. They said that after " conducting an investigation '' they found that it was not fraud and the transaction had been authorized. I asked how they were capable of conducting an investigation without giving me the opportunity to provide any evidence. They then sent me to a de-escalation team. I asked to appeal the case and they person I spoke to told me that there was nothing they could do and they could not reopen the case. So I hung up the phone and called again in an attempt to talk to someone new, and the new person told me that they would reopen the case and they would send a letter to me home with information on how to submit documents to aid the appeal. The letter never came. So I call again about 3 weeks later and again I was told they could not reopen the case and there was nothing they could do. So i hang up again in an attempt to get someone new and the new agent offers me an opportunity to reopen the case and gives me the fax number to submit documents to aid my claim. So I submit the location that my phone was at when the transaction occurred ( XXXX, while I was in Florida ) and the police reports I filed when my phone was stolen. It is currently XXXX weeks since I submitted these documents and Wells Fargo still has not communicated anything with me about the claim or why they continue to deny it.
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 : XXXXXXXX XXXX XXXX Account # 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 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

- Made payment to XXXX on XX/XX/2023 for using their movers+packers services through Chase Bank XXXX XXXX XXXX transferred $ XXXX $ XXXX {$400.00} which was successful but I got a call back after XXXX mins that this account is unrecognizable so mobile transactions through app will be blocked. 
- I called bank on next working day and my mobile account transactions were restored. 
- Between XX/XX/XXXX my account was debited for {$1100.00} towrads Siyung account without my acknowledgment of that payment. 
- On XX/XX/XXXX I filed a claim calling Chase customer care and they asked me to - change password on on both mobile and web transactions and sign in again and my account was temporarily paid {$1100.00} claim. 
- Later in a weeks around XX/XX/XXXX my account was again debited with {$1100.00} - When I reached to Chase bank office on XX/XX/2023, I was mistreated by heir staff, yelled at by their Banker and humiliated by their employees as accordign to them they couldnt do anything about it. They called police and asked me to close to bank account with them which I happily did to avoid any future threat to my money or myself. In front of the police, they obliged to pay me all the amount I had in my account via cash ; however I was all the data on my app was changed so I couldt take any screenshots. Though I still have proofs. 

I am a single mom of XXXX minor kids and my bank funds are our sole means for livelihood and the way I have been threatened by bankers has put me into tremendous fears for myself and my kids
Consumer complaint received 2017-11-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (OK)

I, XXXX XXXX XXXX, SSN # XXXX, told World Acceptance, which was originally Midwestern Loans, the XXXX XXXX 2011 loan they have under my name and negative on my credit report is not mine. I told them to send me a copy of original contract, so I can prove that the signature on the loan is not my signature and that the loan was not acquired by me and is fraudulent loan. They said XXXX XXXX has the original documents and I have to contact them to get what I need. XXXX XXXX and all three credit bureau 's said the only one that could have the loan removed from my credit report is the original creditor World Acceptance, again originally Midwestern Loans. The loan expires off my credit report in 10 months, but it is not my loan and I want it removed now, before I am forced to take legal action.
Consumer complaint received 2023-03-07
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: Bridgecrest Acceptance Corporation (TX)

I have an open auto loan with your company Bridgecrest that was opened a few years back. Unfortunately, in XXXX XXXX XXXX I was 30 days late. I have tried to ask for a goodwill letter based on the long-standing relationship I've had with Bridgcrest and the fact that I was in a tight financial situation, but I was not very successful with this request. I am hoping that by reaching out to someone of higher authority that you would be able to assist me with getting the late payment removed from my credit report as it is causing me extreme hardship. I do believe that customer service is limited as far as customer requests are concerned, and I know that they are only doing their job. I want to insert that paying late was not intentional and I have been current ever since and my credit report will show that. We are all human and sometimes have misfortune, and I am asking to be forgiven for this mishap. I have really enjoyed my relationship with Bridgecrest and would love to continue doing business. I hope that you can forgive my shortcomings and help me with this late payment removal. I really hope to hear a favorable outcome from Bridgecrest. Thank you for your time.
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: AMERICAN EXPRESS COMPANY (MD)

In accordance with the Fair credit reporting act amex  account number XXXX has violated my rights 15USC 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 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

Early Warning Services is reporting both XXXX XXXX, and XXXX XXXX XXXX XXXX on my consumer report. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported, I am unable to obtain any membership through my local credit unions. Early Earning Services is aware that I am a victim of Identity Theft, yet they still have not removed it from my report. They have not even sent any documentation as to why they believe the account is mine.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I paid off my XXXX loan to XXXX XXXX in XX/XX/2021. They recently wrongly reported my account as delinquent, tanking my credit score by more than 100 points, but I have paid my loan to them in full!!!
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

Dear Consumer Financial Protection Bureau, I am writing to you regarding an issue I am currently facing with Synchrony Bank and my XXXX XXXX account. I recently requested an investigation from all three credit bureaus, and they have all returned with the information that the account is accurate and verified. However, what they have reported is completely different from one another, leading me to believe that there may be some inconsistencies with the information being reported. 
I would like to express my concerns and frustrations about the conflicting information being reported by the credit bureaus. It seems that there may be some errors or inaccuracies in the information being provided, and I am unsure of how to proceed in rectifying the situation. I am hoping that you can assist me in resolving this issue. 
It is concerning to me that the credit bureaus are providing different information, which may negatively impact my credit score. 
I am requesting your assistance in investigating this issue and finding a resolution. I appreciate your attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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. (MI)

I am writing to dispute inaccuracies regarding the [ XXXX XXXX XXXX XXXX account listed on my XXXX credit report. Upon review, I have identified errors, These discrepancies adversely affect my credit score and financial standing. 

Please investigate this matter promptly in accordance with the Fair Credit Reporting Act ( FCRA ) and correct the inaccuracies. Enclosed are supporting documents for your review. I request regular updates and written confirmation once corrections are made. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OZK (GA)

My mortgage payment along with the escrow account are automatically deducted on the first of every month from my bank account. Thus, my payments have never been late. I received a notice of a lien for my 2022 taxes in XXXX of 2023. My property taxes have not been paid for last year even though I have contributed to the escrow account every single month in good faith that the taxes would be paid. I feel as if the bank has committed fraud and caused me undo stress and time trying to resolve the matter. I was told that someone called the tax office to obtain the appropriate information and would pay the taxes yesterday, they were just waiting to hear from the tax office. I spoke with the tax office, and they never received a request for any information yesterday. I am under extreme duress about this situation. I have made multiple calls to the bank and I feel as if no one is offering a timely solution.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (NY)

All number of companies had place hard inquires without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-24
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. (NY)

I have been a victim of transunion inquiry issue. I have called them to try to resolve issue but customer service was no help. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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: AMERICAN EXPRESS COMPANY (AR)

For the past months I have been trying to correct and delete inaccurate information from my credit profile. I have reached out to the credit bureaus and creditors but it seems as if they could care less if my problem is solved. I read in the FCRA that anything that is listed on my credit report must be 100 % accurate and verifiable. From my understanding there is no way possible that the information reported can be verifiable if it is not 100 % accurate. There is no way, unless the credit bureaus/creditors are lying to us as consumers and the laws that are set to protect are allowing me to be misused, defamation of character etc which is not fair. I read that incomplete account numbers does not serve as accurate account numbers. How do I know that the account is actually mine when the accounts are completed, who is verifying accounts with incomplete numbers? How do I know that they are verifying the right account attached to my social? I could go on and on with inaccurate info and violations according to FCRA.. Are you going to help uphold the law for consumers like me or are you going to continue to allow me and others to be violated against?
Consumer complaint received 2019-07-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX XXXX # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.
Consumer complaint received 2015-07-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Green Tree Servicing bought out our XXXX mortgage. Since then they have been out of compliance with our original mortgage with XXXX. We pay our mortgage on a bi-weekly basis. The extra half payment that occurs twice a year is not being applied to the principle balance they also are withholding escrow payments from these payment. These payment should be immediately applied to the principle and not left in their unapplied funds account, additionally, no escrow should be withheld.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have had this card for a awhile the XXXX card with XXXX Bank since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXXXXXX XXXX XXXX  Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.
Consumer complaint received 2023-10-27
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. (VA)

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX ) ( XXXX XXXX ). Please investigate and provide Proof with statements showing that these payments were late.