davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Due to the recent pandemic, my mortgage company offered Covid 19 protection, we decided to accept the offer, however we were able to make all the payments during this time period. the problem is that the Mortgage company ( Carrington Mortgage ) MISAPPLIED one of the payment in XXXX, and due to this misapplication both mine and my husbands FICO score have dropped 35 pts!!!, I have called Carrington Mortg. numerous times, talked to the escalation dept, and this has  been NO HELP at all. 

My next step is our local XXXX XXXX, to hopefully bring this to a head. 

I have been more than patient with this mortgage company, however I need your help PLEASE. 
I have been denied credit, my husband had been denied employment every month we make a payment were being reported as 30 day late!
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (AZ)

On XX/XX/XXXX, our RV loan was paid in full via cashiers check. Bank of the West did refund the overage of {$21.00} as the payoff was a 10-day window estimate. 
On XX/XX/XXXX, an electronic payment in the amount of {$270.00} was debited from my bank account and paid to Bank of the West in error. 
On XX/XX/XXXX, when I discovered the overpayment, I phoned Bank of the West to get the issue rectified. The Bank of the West representative I spoke to was XXXX. XXXX confirmed the overpayment was received and he said he would create a work order to get a cashiers check in the amount of {$270.00} issued back to me. He said it would take approximately 5-7 business days for this to occur. 
On XX/XX/XXXX, I still had not received the refund check, so I called Bank of the West customer service. XXXX is the representative I spoke to. XXXX told me that nothing had been done to get the refund check issued and Bank of the West is requiring proof that the {$270.00} was paid to them from my account. I was appalled to hear this information. I asked XXXX if anyone was going to let me know of this new requirement and was met with silence. I asked XXXX what type of proof I needed to provide. She said I would need to send a fax and a copy of my bank statement showing the withdrawal from my account. She also stated that I would need to follow up in the future on this issue. 
I am extremely upset and disappointed in the turn of events and the lack of customer service. The first representative ( XXXX ) was very professional and friendly. He had no problems seeing the overpayment in the system and taking the steps to get a refund issued to me. At no time was there mention of sending any additional documentation. Now, mysteriously, XXXX is telling me she cant see the overpayment in the system and that nothing has been done for over 3 weeks and no one bothered to even notify me. I have sent Bank of the West a copy of my bank statement showing the overpayment and requested a call back.
Consumer complaint received 2023-03-01
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. (NJ)

I reported 21 hard inquiries and 3 addresses that are not mine to XXXX on XX/XX/23. 

False addresses on my account : - XXXX XXXX XXXX XXXX, NJ XXXX - XXXX XXXX XXXX XXXX XXXX NJ XXXX This address also opened and used XXXX XXXX under my name using account number XXXX. 
- XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2023-01-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

I have made contact with the company XX/XX/2020 to see what this information is in regards. I have been informed by the rep this is a credit card. I have informed the rep that I never owned XXXX credit card and the rep stated that I was a liar. I have requested the documentation with a copy of the application, copy of my license, and a validation letter but never received the information. The rep informed me that I will be sued if I dont pay the balance in full. The rep mentioned to contact my place of employment which I have asked her the name of my place of employment and she wouldnt tell me. The rep also mentioned that I was an abusive retail liar and hung up the phone after I have asked for her to repeat her name. How do I go by getting the help to report this information and should I seek legal action against the company. LVNV Funding have terrorized my life with the verbal abuse.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 6 o 2 states i have the right to privacy ( 15USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/2020, my XXXX was compromised by a person unknown to me named XXXX XXXX and the suspect was able to send themselves over {$1500.00} before my bank SANTANDER detected the fraud and immediately shut down the card. After receiving the email notifying me of the fraud, I spoke with a customer representative who told me they were immediately suspicious of the large amounts of money coming out of my account and I will receive the money that was stolen from me within 10 days of the theft. I did receive all of my funds back and was extremely pleased but then things took a turn for the worse when SANTANDER sent me a letter stating that the merchant XXXX XXXX XXXX XXXX was correct in the theft that was conducted! I have been going back and forth with SANTANDER to determine what kind of an investigation was done to come to the conclusion that this thief had a right to access my money and I am only given the run around! They have left me no choice but to file a police report which I have already done. I plan on sending a copy of this report to the SANTANDER FRAUD DEPARTMENT and hopefully you can help me in some way!
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (NY)

I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered this account that do not belong to me. Therefore, I request the removal of this account from my credit report. I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 

ASSOC CREDIT SERVICES ( Original Creditor : XXXX XXXX ) XXXX.
Consumer complaint received 2022-11-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (NY)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$1600.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX AV XXXX XXXX, NY XXXX.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I had frozen my credit after the Equifax breach in 2017 and received 10 digit PIN for unfreezing the same. 
Now when i am trying to unfreeze the credit, Equifax is requesting to send Social Security and Driving license copies. 
These were sent by mail on XX/XX/XXXX and again by fax XXXX to XXXX XXXX on XX/XX/XXXX, however Equifax is claiming that documents were not received.
Consumer complaint received 2023-03-17
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. (AL)

In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


Account : XXXX Account # XXXX 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 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.
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Jamestown, Inc. (NY)

Two weeks ago, I began receiving text messages from MetCredit USA. They did not provide any information, except for that they were attempting to collect a debt and requesting I click on a link. 

I received a letter from them yesterday requesting payment for a visit to XXXX XXXX XXXX that was paid on the date of service. I have attached a copy of the receipt. 

If they report this to the credit bureau, I will sue them for texting me and using my cell phone number without consent. This is illegal per the FDCPA.
Consumer complaint received 2020-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

Was promised a job that I got. They then sent me a {$3100.00} check to purchase my mini home office. But wanted me to use their credited vendors. Via XXXX  and XXXX XXXX. I sent {$2300.00} in total. XXXX via XXXX XXXX and XXXX via XXXX XXXX. To the apposed credited vendors. Then, 5 days later the check bounced and I tried gwtting my koney back and XXXX XXXX is refusing to pay. Telling me I should ask the person a refund which I did and they denied it. XXXX XXXX refused to help any further. XXXX XXXX  is taking their sweet time and is under review. I called my bank and tried to dispute the check in general along with those charges I made ending up being part of the scam. Not bank account is over XXXX in the negative with acquiring {$36.00} over draft fee every day its in the negative. I just want the entire check to be cleared. I have screen shots of the purchases and emails with the so called " job '' I qas hired with. I even filled out a w4 for the company so I assumed it qas a legitimate business.
Consumer complaint received 2020-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG HOLDINGS INC (MO)

Today I got charged on my debt card i did not authorize by TEMPOE i told them repeatedly to only take the charge as of XX/XX/2020 i told them repeatedly only charge me the amount BUT not to save in system until i get my replacement card in the mail.
Consumer complaint received 2022-11-07
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. (NY)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX {$1600.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX  XXXX.
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (FL)

XX/XX/2020 To Whom It May Concern : On XX/XX/2020, I have received a communication letter from a collector agency indicating the account balance that I owed to a credit card {$220.00} ( by the way, the statements of the credit card never reached my apartment due to the credit card statements was missing my apartment number ). The account is already closed. I communicated with the credit card company and asked them if they know anything about it. The credit card company double checked and said that nothing was wrong with my new credit card. They don't know anything about the closed account or the balance that I owned. 
The account balance was {$220.00}, according to the collector agency. Then I disputed the charges writing a letter to the collector agency. The collector phoned me and asked my apartment number to send me those statements. 
I received the credit card statements and I saw my apartment number was missing. Because the apartment number wasn't there, I thought that maybe that was the mistake. I don't remember having that credit card number before. On XX/XX/2020, I sent a check paying the full amount of the debt, {$220.00} in one installment, according to the communication letter that sent me on XX/XX/2020, by the collector agency. As I said, the account is closed. I'm a low-income senior, so I have decided to check my Credit Journey with my bank, and my bank informed me that my credit passed from poor to Fair after paying the full amount of the debt. That was great news for me. 
Then I have received another communication letter stating that I still own a debt of the closed account. The debt corresponds to the interest amount of {$49.00}, and I should pay that amount by XX/XX/XXXX. I complained to XXXX, explaining that I paid the full amount of {$220.00} on XX/XX/XXXX and according to the communication letter received, and I don't owe anything anymore. XXXX  sent me a notification indicating that I will get an answer on XX/XX/XXXX. So, getting an answer from XXXX  after XX/XX/XXXX, means that I should pay more fees? What is the end of all of this? 

Best Regards,
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

Somehow I missed recording our new mortgage payment amount which we were allegedly notified of in XX/XX/XXXX. So we have continued to pay the old monthly amount of {$1500.00} until receiving a notice this week that we had an overdue payment for XX/XX/XXXX and with the XXXX payment due we owed a total of {$3200.00}, which is completely false and misleading. Every monthly check to Flagstar Bank had cleared our bank every month up to and including XX/XX/XXXX. 

Upon calling Flagstar to find out what was going on, they told us that they did not show any payment as received if it wasn't for the correct amount due. So even though we only owed ( as it turned out ) {$18.00} to Flagstar, the Flagstar statement said we owed {$3200.00} on the XX/XX/XXXX statement. On prior XXXX statements ( XXXX, etc. ), my erroneous payment of {$1500.00} was duly recorded and credited with no notification that it was incorrect ( I don't always look closely at the mailed statements as I pay bills through our local bank, but I sure will now ) and NO balance due shown. 

Further, Flagstar said they had notified us of the erroneous payment and today emailed us a letter we had not seen dated XX/XX/XXXX which said the total amount due is {$1600.00} and to bring the loan currrent, we should pay that amount plus {$79.00}. Furthermore, the same letter noted we had paid an erroneous amount of {$1500.00} ( which amount we had never paid, only the monthly {$1500.00}, all of which we can document ). The Flagstar numbers sent to us, together with their statements, that they never recorded XXXXshort ' payments ( some of which they certainly did ) and then to bill us for more than {$3000.00} when we owed {$18.00} smacks of flim flam, customer manipulation, or the worst computer system in the history of the world. I told them we would complain to the CFPB as their practices seemed at the best confusing, and at the worst unfair, deceptive, and fraudulent.
Consumer complaint received 2020-09-30
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)

XXXX  and TransUnion are fraudulent on my following accounts : XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # XXXX.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (SC)

On XX/XX/2023, someone generated an inquiry on my credit report titled " EQUIFAX MORTGAGE SERVICE ''. This inquiry was NOT authorized by me and was done fraudulently! I contacted EQUIFAX and XXXX and advised them of the situation. They both stated that I needed to send in an FTC report along with a cover letter in order to get the inquiry removed. On XX/XX/2023 I sent them both a cover letter along with a FTC report. EQUIFAX has yet to remove the inquiry and its been well over 30 days. XXXX confirmed they received my documents but deemed them invalid because they did not have my signature or the date on them. I have attached the documents that Ive sent to them and it CLEARLY has my signature and the date.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX Semi Annual data reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$9300.00} Final Payment and Case History reported from the Trustees on XX/XX/XXXX = Balance Due XXXX XXXX XXXX payment in XX/XX/XXXX to XXXX XXXX ( XXXX XXXX XXXX XXXX The payment from XXXX XXXX XXXXXXXX greater than the Balance due listed in the Final Payment Case History effective XX/XX/XXXX. 
XXXX XXXX was paid more than the balance due, therefore there shouldn't be balance listed on my credit report. 



I do not have a contract with this company and I don't owe the debt, there shouldnt be a monthly payment for a paid account, No of months ( terms ) should not be listed, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance, and letter from XXXX XXXX reflecting payment after dismissal. This vehicle was totaled the overpayment was made, greater than the balance provided to the courts. ] I am actually owed overpayment from XXXX XXXX. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my 3rd formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against your company.