davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I am filing this complaint because of the response that I received from Carrington Mortgage Company saying that they would not address my Error Resolution Notice under 12 C.F. R 1024.35 because it was a duplicate request. The mortgage company is claiming that they already addressed this information from an Information Request letter that I sent XX/XX/XXXX. I do not agree. These are very separate issues. The letter I sent in XXXX was requesting the ledger for our mortgage covering the time period that were in XXXX XXXX bankruptcy and an explanation of why the amounts overdue on the statements were incorrect. I thought that when someone ( s ) is in an active chapter XXXX bankruptcy that the mortgage company had to provide accurate statements. They waiting until the bankruptcy got to the end, then all of a sudden we find out that we owed more money. Why wasn't the statements updated to show the amount they are now claiming was due?. 

Attached are the letters that I sent to the mortgage company and the response I received from my Information Request dated XX/XX/XXXX. Their response regarding the mortgage statements does not make since to me. They had many months to fix the statements, why wait until the bankruptcy is closing ...
Consumer complaint received 2020-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (AZ)

The law offices of Mitchell D Bluhm & associates, LLC sent a letter that I owe a medical debt of {$210.00}. I disputed the debt and asked for a validation of the debt for reference account. I then received another letter stating that they received my dispute with the enclosed " verification '' from the current creditor. 

Their verification included : Statement of account from a service date of XX/XX/XXXX A bill for the amount of {$210.00} dated from XX/XX/XXXX The law offices of Mitchell D Bluhm & associates, LLC failed to provide any documents that say I signed for this debt and proof that they are able to collect in the State of Arizona where I reside. 


I consider this harassment. I need to see proof were i signed for the debt since i do not recall this debt whats so ever. i feel they are violating my consumer rights
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I had a student loan with citizens bank for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
XXXX, XXXX and XXXX have been reported to with these invalid dates.
Consumer complaint received 2020-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (CT)

This is a multifaceted problem. I took this loan out for emergency repairs to my home, approximately {$25000.00}. As I had just purchased my home, my credit options were limited. The contractor I hired offered Greensky as a financing option. ( My issue is not with the contractor ). Prior to accepting the loan, I carefully read the terms, however, since accepting, I'm finding some of their practices to be deceptive, predatory, and unethical. First of all, the loan is presented as a " credit card. '' I believe this is a loophole to avoid usury laws. 

The terms of the loan are essentially that I have one year to pay off the loan in full. If it is not paid off within that time, I automatically owe the interest for the full term of the loan, regardless of how quickly I pay it off. This will result in automatically being charged approximately {$29000.00} in interest on a {$25000.00} loan, again, regardless of how quickly I pay off the loan. The payments I make now only go toward the interest, but if I pay it off within the promotion period, those payments are applied to the principal. As such, my credit report reflects that I have not made any payments on the loan. It still shows the full balance. In fact, it often shows that I am over the {$25000.00} credit limit, because although it is zero percent interest for 12 months, they are still billing me as though I'm paying monthly interest. 

My plan from the beginning was to refinance the loan at the end of the term. The real issue arises in that because the company is reporting 1 ) that the balance has not decreased, and 2 ) that I am over limit, this loan is having substantial negative impact on my credit score, thus eliminating my chances of qualifying for a loan to refinance. Since taking out this loan, my credit score has dropped 80-100 points. My score went from about 755 to about 628, despite paying off a credit card, and several hard inquiries dropping off my report. I believe this company does this on purpose, in order to keep customers trapped in this loan. 

Additionally, I'd like to point out that although I was truthful in my application, I was shocked that this company gave me {$25000.00} without asking for a single piece of documentation. It seemed absurd to me, especially in light of the fact I had just taken out a mortgage a month or so before. This leads me to believe this is a predatory lender that gives out loans with no regard for the customer 's actual ability to repay. 

There are many shady, deceptive, predatory things going on with this loan. I'm hoping the CFPB will address this to save me and many other potential customers the heartache of dealing with this company.
Consumer complaint received 2022-12-31
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. (IL)

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 states : a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The list of accounts appearing on my credit files by Transunion, XXXX and XXXX below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX. XXXX XXXX XXXX XXXX {$990.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$86.00} - Acct # XXXX XXXX. XXXX XXXX- {$1100.00} - Acct # XXXX XXXX. XXXX XXXX- {$730.00} - Acct # XXXX XXXX. XXXX XXXX- {$1500.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$890.00} - Acct # XXXX XXXX. XXXX - {$1100.00} - Acct # XXXX XXXX. XXXX - {$700.00} - Acct # XXXX
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have information that is inaccurate on my credit report. I sent them letters to dispute the inaccuracies and they have not responded in the time required under FCRA laws.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-24
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. (FL)

I am submitting this complaint to request an investigation into the inaccuracies pertaining to the mentioned account. The information reported is incorrect and is adversely impacting my credit score due to its negative nature. As per the Fair Credit Reporting Act, I kindly request that you commence an investigation into this account within the stipulated 30-day period. It is imperative that all adverse information pertaining to this account be rectified promptly. Specifically, the account requiring investigation is as follows : XXXX XXXXXXXX XXXX XXXXXXXX, with a balance owed of {$520000.00}. This account has been inaccurately reported in my credit file. I respectfully request the removal of any late remarks associated with this account, as I have never made late payments. I urge you to thoroughly review the provided information. Your prompt attention to this matter would be greatly appreciated. Furthermore, I request that any information unable to be verified with 100 % accuracy be updated accordingly. I eagerly anticipate the timely correction of my credit information to accurately reflect the necessary changes.
Consumer complaint received 2022-12-31
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. (GA)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citi closed my credit card account without warning. When I used their chat feature to ask why, they said I needed to call in. When I called in, they refused to tell me why my account was closed outside of a letter they sent me. That letter was not available online and they have my old address, so its possible I may not get the letter. This hurt my credit as well.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Yes I looked over my credit reports, thanks to the weekly Free Credit report by Annual Credit Reports and see that there are unauthorized inquiries reporting on my credit reports by the XXXX, Equifax and XXXX.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AK)

For a year I have honored and completed a payment plan with LoanCare. This plan was originally set up with XXXX ( not the subject of this complaint ) with my then attorney. 
That agreement XXXX XXXX XXXX was in place when Loancare received the mortgage from XXXX. 

However, Loancare has refused to honor this legal agreement and continues to keep my account in collection, despite every single payment having been made on time since they acquired the loan. As they have never sent an accurate statement, this has been a challenge. 
I have bank records of these payments and phone recordings of my monthly discussions with LoanCare representatives chronicling this ongoing issue. 
For over a year I have dealt with the inability to make online payments and the inaccurate monthly bill for over XXXX in late mortgage payments with Loancare telling me that they need more " paperwork. '' LoanCare would not accept documents from me without my spouse 's signature - however she was not and is not on the loan. She signs, noting " not on loan '' each time and had asked for a simple explanation of why her signature is required. They will not explain why they keep resending paperwork even with both signatures. 
I have received several modification packets from Loancare claiming we are in default - each time I have signed, notarized, and returned them, feeling I had no other choice - knowing I was being treated improperly and suspicious that LoanCare is attempting to change terms. 
This is harassment. We've been extremely tolerant until now, but we are prepared to continue to take action against Loancare and XXXX XXXX XXXX attorney to Loancare ) for duress, continuing to harm my credit rating, continued harassment via email, mail, internet and phone.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blitt and Gaines, P.C. (IL)

I received a notice from this Law Firm via mail I have received calls since I have hired a Credit repairing non-profit company due to the current situation in our country, they submitted a Power of Attorney so that I can try to mitigate my damages in my credit and it was rejected the agent from the XXXX XXXX ( Credit Repairing Services ) was told that they could not communicate with them unless He was a licensed Attorney that it was XXXX XXXX Policy He told me and they will provide that in writing and they refused to do so they asked for his full name, which it is irrelevant since they submitted a Power of Attorney in fact on my behalf, they even had a representative by the name of XXXX XXXX whom is not an Attorney who is not an Attorney working the account why would they have an non Attorney worked the account and not talked to my agent/representative He asked if they had the policy in writing but they refused to do so they said it was XXXX Policy My Credit Repairing Representative called XXXX and they said they do not have such a policy they still refused to communicate with me unless I am represented by an Attorney, Which I believe that is a violation of my consumer rights I am seeking a resolution to my current financial situation I am self employed and have been impacted by the current Covid19 Situation, further more the representative did not give my agent the Mini Miranda Disclosure as required by The FDCA, I would like to resolve this situation but I should not be forced to hire an Attorney as it was clearly stated by the representative who told the agent I must have an Attorney if I have a Credit Repairing Counseling Agent, that violates my rights as a consumer, I can not afford an Attorney only Non-for profit Credit Counseling, that fact that they demanded that I have an Attorney is not lawful within my consumer rights, They said my Repairing Counseling agent should hire an attorney which I can not afford attached is documents if you would like more info please let me know the agent was directed to a XXXX XXXX at the law firm by XXXX XXXX a non Attorney representative if this account is only handled by an attorney the representative told The XXXX XXXX ( Credit Repair Serivices ) He needed to know if he was an Attorney or not. 
This is not right please help I know this law firm has been noted for very suspicious and unethical practices with their staff. 
We have dates and time when we called and they also have recordings as they must keep by law. 

Thank You XXXX XXXX
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (OH)

On XXXX XX/XX/2022 I sent certified letters to all 3 Credit Reporting agencies as well as the collection agency, Revenue Group, in XXXX, OH and University XXXX that placed a {$210.00} unpaid bill for collection on My accounts. I included 5 pages of documentation proving that I was not responsible for the unpaid bill and XXXX  acting for the Veterans Administration specifically stated as such in this documentation. XXXX is authorized to act for the V.A. Furthermore, the bill went unpaid because the hospital did not seek re-embursement within the required 180 day window, perhaps because of the start of covid? There are numerous other inaccuracies on My accounts which I detail in each letter. 

In reply letters, XXXX resolved the issues, however, Equifax and XXXX refuse to take the necessary action to resolve the situation despite a follow-up phone call directly from Me. I can not waste any further time with these unresponsive agencies. I must have the inaccuracies rectified in order to access My eBenefits account with the V.A. which uses ID.Me to verify My identity using information directly from My Credit Report. 

All the pertinent details are included in the letters I sent to these credit agencies on XXXX XX/XX/2022.
Consumer complaint received 2023-12-30
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. (PA)

I XXXX XXXX am making this complaint without any third parties. Transunion has violated my right as consumer under there fair credit reporting act 15 use 1681b be furnishing information without the consumers consent or a court order. They have provided false and misleading information of these accounts being verified with no evidence see attachment.
Consumer complaint received 2023-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 

XXXX XXXX XX/XX/2023 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
Consumer complaint received 2021-03-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WLCC (IL)

Someone hacked into my email and deposited funds into my personal account that was closed. When I was aware of the aware I quickly notified them to cancel and take their money back. They claim that they dont have their money and are contacting me saying I owe close to XXXX. This is a fraudulent payday loan and I want this debt canceled and contact seized.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (LA)

I am a veteran I never used this hospital Or emergency room please show physical proof that I came to this hospital oe a signature I came here if you can not provide this delete this from. My report Can someone help me From Cpfb this is identity theft