davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

After doing a loan modification we received an approval but the payment was too high for us. To save our credit we decided to do a short sale with XXXX. When we began this process we were less than 4 years behind on the mortgage. XXXX took forever to work out our short sale and then they transferred the loan to Carrington ( owner of the loan is HUD ). We then had to start the process all over again.

HUD recently denied us stating we are 40 months past due so they wont review our short sale. Carrington did an appraisal which came in at {$470000.00} three months ago and the offer is a full price offer which is {$470000.00}. HUD has denied giving us proof of this 40 month rule saying its an internal rule and there is nothing on paper. Even if this so called rule does exists, the basis of it makes no sense to all parties involved, included HUD. 

The short sale has been in process for 2 years. The bank has done several appraisals showing value of XXXX. The offer is {$470000.00}. The buyer has stayed around through delay after delay and has a family which they were trying to place in the home and in the school system. Why would HUD want to waste tax payer money to take a home in which they have an offer at the the current value of the home? We understand the borrower is behind and he is trying to do everything to avoid a foreclosure. There is no justified reason to let this house go into foreclosure when we have such a solid offer, again, at the market and bank value. 

HUD will have to evict the owner after a foreclose and then resale the house which could take a few years and will end up with a potential offer lower then what we have or at the very least equal to it. After taking into consideration fees, costs and expenses over the next 12-18 months HUD will take even more of a loss then they have which in turn will cost tax payers even more money that can be avoided. We have a strong buyer who can close within 45 days of short sale approval. Please have this decision overturned and approve the short sale. 

( XXXX ) XXXXFHA case # XXXX. This is the contact information we had and spoke to several reps.
Consumer complaint received 2020-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc. (CO)

The original amount of my loan was {$35000.00}, but with only a few months to go, Payoff began reporting that it was only {$3500.00}, NOT {$35000.00}. This made it look like I had paid off NEGATIVE 9 % of the loan and owed more on the loan than the original amount!! I initiated a dispute through the credit bureau, but Payoff reported the {$3500.00} original amount was correct?! I called and emailed repeatedly and they finally acknowledged the error, but now two months after my initial dispute they STILL havent updated my credit report! Their error dropped my score 28 points while I am trying to refinance my house and they dont make an effort to fix it? Read their reviews on XXXX  .... theyre very upsetting!
Consumer complaint received 2022-10-17
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: ENCORE CAPITAL GROUP INC. (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. 

XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} Original Creditor : XXXX comenity bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX XXXX  Open Balance : {$5600.00} Original creditor : XXXX XXXX park view apartments disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 


XXXX XXXX XXXX XXXX Open Balance : {$630.00} Original Creditor : XXXX XXXX bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX xfinity disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

CLOSED ACCOUNTS XXXX XXXXXXXX Reported balance : {$950.00} Closed XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$0.00} Closed XXXX XXXXXXXX XXXX XXXXXXXX bank Reported balance : {$0.00} Closed XX/XX/XXXX XXXX bank : XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Consumer complaint received 2020-11-10
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)

THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 7 CLOSED ACCOUNTS WITH BALANCES THAT ARE SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 5 TOTAL LATE PAYMENTS ON 2 ACCOUNTS THAT ARE CLOSED WITH NO BALANCE TO WHICH I DO NOT RECOGNIZE AND SHOULD BE REMOVED FROM MY REPORT PURSUANT TO FCRA 623 THERE ARE 3 INQUIRIES THAT I DID NOT AUTHORIZE PURSUANT TO FCRA 604 I'M DEMANDING THE REMOVAL OF ALL OF THEM
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I orginally owedd a company by the name of XXXX XXXX in the amount of {$720.00} and I paid them in full. TheN I attempted to apply for an house in the end XXXX XXXX and was denied due to my credit ( charge-offs ). I pulled my credit report and noticed a charge off amount of {$630.00} from a creditor called XXXX XXXX. When I reached out to them I spoke with a manager name XXXX who told me they had bought XXXX XXXX and all accounts rolled over. Being that I was XXXX with my XXXX kids ( still am ) I decided this is not the right time to fight the {$630.00} charge-off. On XX/XX/XXXX, I went into the office with {$630.00} in cash and handed the money over to the manager XXXX who told me that after that payment I would owe {$460.00}. I explained and showed XXXX my credit report that had been reporting for severals years according to the dates a charged off balanced of {$630.00} and I am only obiligated to pay {$630.00} in full. XXXX then stated she has a balance of {$1000.00} in the system and she would not be reporting the paid balance to my credit because I would still owe {$460.00}. I asked for documentation of the remaining balance of {$460.00} and XXXX had nothing to providing other than they bought out XXXX XXXX. This is hindering from getting a place to live and I have reason to believe that I have paid the same creditor twice as both XXXX XXXX who I paid in full ( {$720.00} ) and who was bought by XXXX XXXX both show the exact same High balance on my credit report of {$720.00}.
Consumer complaint received 2020-11-10
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. (CA)

THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 12 CLOSED ACCOUNTS WITH BALANCES THAT ARE SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL.
Consumer complaint received 2018-06-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (CT)

Hello my name is XXXX XXXX. I purchased a money order in the amount of XXXX $ on XX/XX/XXXX for my rent. The place I rented " lost '' the money order so on XX/XX/XXXX I sent in the form for the refund and the requested money for the fees. I waited a month like they said and still no money order so I called they said they didn't get the form to send it by email so I did. I waited a month still no money order. So I called again and they said they just sent it out on the XXXX of last month Ok so I waited 30 days still no money order so I called again when I called they said it was sent out on the XXXX. I knowing that it's a different day then what they said last time said ok and Waited for a little. Last week I called them and asked where my refund was and they said they sent it out on the XXXX. I asked them to send the refund to the card used they said " it doesn't work like that '' even though the website says that it does work like that. They are trying not to give me the refund for the money order.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

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 U.S.C 1681. 
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 
15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TN)

U S C 1681 Section 602 A An direct unlawfully report on my credit report.

U S C 1681 Section 604A Another direct unlawfully reporting on my credit.
Consumer complaint received 2024-04-01
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: CBC Companies, Inc. (CA)

I have observed several unauthorized hard inquiries on my credit report from financial institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amongst many other. 
The only legitimate inquiries that should be on my file is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX other are fradulent pull on my credit.
Consumer complaint received 2019-04-24
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. (IL)

I have a Chapter XXXX that appears on Experian and XXXX. It does not appear on XXXX. I have sent several letters requesting that this be removed. They both have advised me that my Bankruptcy was verified with a ( third party agency named ( XXXX XXXX  ) it was not verified with the courts. I have a letter from the U.S Bankruptcy courts in XXXX, IL confirming that they did not verify my Bankruptcy with any Credit Reporting Agencies.
Consumer complaint received 2021-02-11
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. (GA)

On XX/XX/XXXX I sent a letter regarding inaccurate items on my consumer report. To this date, it has been well over 60 days, and I have not received a response as yet. I feel that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days, is reason to immediately remove these inaccurate items from my consumer report as it has been well over 60 days ; therefore, these items should be deleted promptly. I demand that these items be deleted immediately otherwise, I will file for litigation due to the stress that you have caused and allowed fraudulent activity to be reported where there were no permissible purposes to do such. In addition, my information was impacted by the Equifax data breach, and may have gotten into the hands of the wrong person. Additionally, After my identification and social security was stolen in XXXX, I recently decided to check my credit and noticed items on my credit report that I do not recall. I may have been a victim of identity theft. I have never done business with any of these companies and have never entered into a contractual agreement with the listed companies. As a result, the companies have violated my privacy as FCRA 15 USC 1681 states that my consumer report is my reputation, and the listed accounts have ruined my reputation by placing fraudulent information on my consumer report and causing me complete humiliation. This information needs to be deleted and not updated as I do not have a financial obligation with the listed creditors. Will you please assist me in removing these items?
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Halsted Financial Services, LLC. (TN)

U S C 1681 Section 602 A An direct unlawfully report on my credit report.

U S C 1681 Section 604A Another direct unlawfully reporting on my credit.
Consumer complaint received 2020-11-10
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. (OH)

this account does not belong to me U S DEPT OF ED/XXXX/XXXX Ive disputed multiple times it keeps coming back verified but I have received who verified it and how they verified it its 2 accounts one is {$47.00} and the other is {$50.00}
Consumer complaint received 2020-11-10
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: DISCOVER BANK (TX)

I looked at my credit report and I noticed a credit card I didnt apply for under my name which is discover bank and I didnt do business with this company didnt apply for credit card back in 2018 with a XXXX balance I submit the documents but the account havent been removed yet and discover has a pending lawsuit against them for bad customer service and not taking this account off my records and never ask me to send documents and I did many times and they said they never got them and putting me in debt and I just lost my job because of them due to a bad credit score ... I need discover to leave me alone they are worst ... I didnt apply for discover back in 2018 account number ending in XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2021 These inquires listed above were not authorized by me.
Consumer complaint received 2023-04-27
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. (LA)

See Attacched Valdity of Debt Doc Despite my previous 2 written requests, the unverified items listed below remain on my consumer report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did.

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2019-06-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (DC)

Shellpoint Mortgage Servicing is repeatedly claiming that I do not have insurance for my property and threatening to charge me additional fees for not having insurance. 

I and my insurer have communicated with Shellpoint multiple times, but Shellpoint refuses to acknowledge that I have all required insurance in good standing. 

Shellpoint continues to threaten and harass me about extra fees they intend to start charging me.
Consumer complaint received 2018-04-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (WA)

OnXX/XX/XXXX i refinanced my home with Flagstar bank. It is a VA loan. Right at that time the VA who i get XXXX payment from withheld multipke months of payments which caused me to become delinquent pn my loan. I started working with a rep at the company XXXX XXXX. I filled out loan modification packets, sent letters of explanation, bank statements, pay stubs etc. I have sent over 5 packets. Last XXXX they said i would be approved finally. They said my payment would go up by XXXX ( XXXX to XXXX ) my interest rate by 1 % and principle by 20k+. I questioned the rate and the rebp XXXX XXXX at this time said he would check. I never heard anything back so i called on XX/XX/XXXX. At that time XXXX said the loan mod was denied. Said the loan had to have 12 months of payments for the va to approve. I contacted XXXX XXXX at the VA who informed me that flagatar just needed to submit to VA and they would approve. Which she tried to contact the company and didnt hear back from them. I wrote an appeal letter immediately and sent the form plus another loan mod application in. Once again didnt here anythimg foe awhile. Finally when i called they said it was approved but at the higher rate and payment. They also said i haf 14 judgements in the property all in someone else 's name. They are still trying to figure that out. The housr was built in XXXX and i bought it in XXXX. There was only 1 other person that owned the home for like 6 months and that peraon was a female with a name not even close to mine. I got in touch with someone at the presidents office XXXX XXXX. He said he would look into it. He said he was going to run a title search. I asked why that would not have been done when i refinanced. Couldnt give me an answer. How could i have bought the hime and refinanced twice and this issue hasnt come up. I have NO judgements against me. I did not have a problem paying my mortgage before. Thr VA is now paying my full XXXX % XXXX payment. I talked to XXXX XXXX again a week ago. He said he wouldnt do anythi g about the rate. He tried to blame the va for my increased interest rate. When i asked why it has taken months to process my loan modification he said that i hadnt turned in complete packets. 2 outright lies. That is what is so upettting is that they have delayed ao long it is impossible to pay the delinquent payments. I was told when i started my payments would ramp up when approved. None of which is happening. I feel they have delayed the process so long and to increase my paymwnt right off the bat with less than a month to pay is rediculous. They are making money off of this misfortune. I have sent them EVERYTHING they have asked for. I have been in constant contact with XXXX XXXX ( XXXX ). I have emailed all of my packets, letters, bank statements, pay stubs so i have all the documentation.