davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Loan was with XXXX XXXX XXXX, they tryed XXXX attempts to foreclose, without success, because of the fact that the statue of limitations ran out in XXXX,, because the first delinquent day was XX/XX/XXXX, the note was escalated in XX/XX/XXXX, this made the maturity day,XXXX, and stated the statue of limitations, in XXXX, XXXX  XXXX XXXX XXXX forcing to stop reporting to the bureau s because the XXXX. Had passed, at that time XXXX  XXXX XXXX was barred from suit, in XXXX, the chose to get a fake assignment of deed, using the old stamps from country wide, that was to be destroyed, according to the national mortgage settlement, in XX/XX/XXXX they decided to move the loan over to Carrington mortgage, that's claiming to be a debt collector, started reporting to credit bureau in XX/XX/XXXX, after challenged there right to report the same account that was deleted prior to the change of service, They agreed the 7 years has passed and removed it from the credit bureaus, now they have got a illegal assignment of deed, also the lawyers escalated letter did not include the amount owed or how much to cure, in XXXX  you have to put that on the letter, the immediately did a illegal assignment for deed, and have filed suit to foreclose, ever when the law says the XXXX statue of limitations apply to mortgages, also no one can tell me where the XXXX XXXX I got from the mortgage assistant program, believe Carrington mortgage is stealing all the money people are getting from this program, also they are trying to sue my wife, who has never been a signer on any of the notes, especially the modification I got in XXXX, Carrington mortgage is barred from suit, but are ignoring the laws of Texas XXXX also refusing any kind of workout programs, using the old XXXX tactics,
Consumer complaint received 2019-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/19 I contacted TransUnion credit bureaus to request information regarding an collection debt account reported on my credit file for {$3000.00} from XXXX XXXX XXXX. I requested proof that this alleged debt belonged to me pursuant to federal law. 

On or about XX/XX/19 I contacted the debt collector XXXX XXXX XXXX by phone and left a message for the representative assigned to the alleged debt. I left my phone number and information and no one contacted me back. 

On XX/XX/19 Transunion responded and reported the alleged account had been verified. No other information was provided other than the alleged account number, when it was reported, the amount, the debt collector and the original " alleged '' creditor. 

On XX/XX/19 I requested information regarding how they verified the debt and I requested for a second time proof the debt belonged to me since I the debt collector never responded back to me. I included Transunion reference account number and pertinent information. 

On XX/XX/19 Transunion responded and stated in a second letter that they did not understand my previous request. 

TransUnion has not been able to prove under federal law that I owe this debt either by providing me the original contract to this debt or a certified copy of an agreement with my signature with the creditor. They have also failed to substantiate how they verified this debt per federal law. They failed provide me with the method they used to verify this debt. They have not complied with federal law.
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: Experian Information Solutions Inc. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (UT)

National Credit System is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If National Credit System is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
Consumer complaint received 2019-04-19
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. (LA)

I have no knowledge of the following inquiry : XXXX XXXX XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (IL)

I try to have this matter taken of thru XXXX but they say the matter is done thru them. This is about a debt that was made without my knowledge by someone I used to know. Brought a cell phone from XXXX back on XX/XX/XXXX for {$440.00}. She told me back in XX/XX/XXXX what she did, she put down {$150.00} to get the phone in my name which I wasn't aware of. Upon a collection agency trying to collect money from me which started back in XX/XX/XXXX. Said I owned them {$690.00}. XXXX   XXXX which is a collection agency has destroyed my credit and has been calling me all the time. Which I have told them to stop but they haven't. The date and year and amount are all wrong from what the person who did this, showed me a purchase bill last year. She got the phone on XX/XX/XXXX, for {$440.00} and put down {$150.00}. This is not my debt.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

More than twice I have contacted Credence and asked they verify the debt and also provide me with the process, and contact information validating my debt. I let them know during this time I had a lot of fraud with my SS # and credit being used. I requested documentation bearing my signature showing where I have agreed to ever pay Credence or the other company they are collecting for. Upon my requests I get the same stall tactic letter in response. " We have investigated and verified the debt is is valid and belong to you ''. Never have they sent me the process, or who validated this debt. They also were requested by the big 3 credit companies to do the same and XXXX XXXX nor XXXX XXXX were able to provide the validation the law states they must provide. I have been requesting this data since XX/XX/2020.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Remove the fraudulent items from my credit report immediately, as mandated by FCRA Section 605B. I have provided the necessary documents for blocking the erroneous information, and I expect prompt compliance with the Fair Credit Reporting Act. Failure to act within the specified timeframe will result in legal action. 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. Please remove these items ASAP.
Consumer complaint received 2021-02-16
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. (OH)

I am filing this complaint on my own as a federally protected consumer. I AM NOT WORKING WITH A CREDIT REPAIR COMPANY. I have attempted to reach out to Equifax several times regarding this and have not been able to obtain cooperation. 

Pursuant to 15 USC 1681B Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates : I HAVE NEVER given written instruction to Equifax to furnish ANY information on my credit report. No consent is identity theft. I have attached a copy of the law with this complaint. Because XXXX is currently in violation of no less than two federally regulated laws, I AM DEMANDING IMMEDIATE DELETION OF THE FOLLOWING ACCOUNTS : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX,
Consumer complaint received 2022-10-17
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated it without incident. You, however, seem to claim you've verified the accuracy of the information. I also reached out to the bank and they agreed to update and repair the account in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX  XXXX XXXX
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Aargon Agency, Inc. (IN)

AARGON VIOLATED THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. SEVERAL UNFAIR, DECEPTIVE AND ABUSIVE PRACTICES, VIOLATING THE F.C.R.A. F.D.CP.A. AND XXXX COUNTS OF THE T.C.P.A. IN THE COMMISSION ODF COLLECTING CONSUMER DEBT.CALL US 2 TIMES AFTER CEASE AND DESIST AND FAILED TO CALL MY LAWYER. called XXXX on cell number. 

SEE ATTACHED
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (NV)

I was browsing XXXX ' mobile application looking for hotel to stay for that night. It was my first time using the application. Somehow, there was a booked reservation on my account for that night. I called their representative right away explained that I was only browsing and I did not want to book that hotel. Long story short, the representative said that there is a XXXX ' logo on the mobile page and if I click on that logo, then XXXX automatically book that hotel for me for the night. There was no subsequent confirmation page before the booking goes through ; it automatically booked. Once the booking is done, there is no cancellation and no refund. 

The issue here is that I do not authorized the transaction. I was my first time using their mobile application and the method of their automate booking by tapping their logo is not fair and deceived. I think no average consumer would know that XXXX automatically book a hotel for you by clicking its logo - there should be at least a following mobile page clicking the logo to confirm my booking, but it was not the case here. In addition, I did not stay at that hotel and that hotel where XXXX automatically booked for me was very far from where I wanted to stay. I did not authorize the booking and I am writing to seek your help.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXXXXXX Balance : {$34.00}.
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (VA)

I got a summons to appear about a debt that I thought I had paid off years ago, after I had been out of work for a year due to XXXX around XXXX have paid several credit loans off, I called to set up a payment plan. They wanted XXXX , so I got a bank check from Wells Fargo and mailed it to the Law Office of XXXX XXXX XXXX in XXXX XXXX ( XXXX ). Wells Fargo, today removed the remaining XXXX $ in my checking account and created a XXXX $ overdraft. I went to the bank at noon to put a stop payment on the bank check and they refused, I paid the XXXX $ to be able to close the account, and they still refused to close the account. I would have been happy to set up a payment plan, but not after this and I will do no more business with Wells Fargo. My court date is XX/XX/19 and I'll need that XXXX $ for a lawyer. Like I said, I would have been happy to set up a payment plan, but not through Wells Fargo. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting 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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MO)

American Express lowered my credit limit from {$20000.00} to {$12000.00} and told me I had to pay about {$3000.00} and if I did then they would raise my credit limit back up. I have never been late on a payment or missed a payment with them since the start of my account over 4 years ago. This took my credit usage up on my credit score while I am in the middle of applying for a small business loan. Again, I have never done anything for their company to label me as a liability to lower my credit limit. I have never missed a payment on this credit card or any other card, loan, or mortgage.
Consumer complaint received 2020-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My primary bank is Chase. On XXXX XXXX I attempted to make wire transfers. Twice they were rejected, I contacted Chase and was told there was a problem but it should be OK to try again. ( They could not tell me what the problem was ) Third attempt was again rejected - no explanation. I then went XXXX, which is provided by the bank. I was able to send money on the XXXX, XXXX and XXXX of XXXX. I attempted to make a fourth transfer on the XXXX, to the same person and same amount -- it was rejected, with no explanation. I then went to my local bank to speak with an agent there as my account was now locked. 
The agent was very helpful, got my account un-locked, but had to tell me that I could not make any more transfers via XXXX. He also was not given a reason. 
To add to my annoyance with Chase, on XXXX XX/XX/2020 my debit card was locked. On that card I have automatic payments to my mail order pharmacy, among others. Thus my medication order was rejected. Again no reason for locking my account was given. On the phone calls I made to the bank, ( XXXX only knows where I was calling ) twice I had to recall because the person on the other end barley spoke English and on three occasions I was disconnected during a transfer to someone else. I still have no answers, no one has returned my calls and I have no idea how a bank could operate like that. I have been a customer for more than 10 years, at the start of this process my accounts held over {$20000.00} and my credit rating averages over XXXX. Thank You
Consumer complaint received 2018-04-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (GA)

I received a loan from Mariner Finance 3 months ago approximately {$5000.00} with a promise to Pay interest up to {$7000.00} extra. I had no problem wit this because I planned to Pay the principal balance off before in 3 2mths which would be way before my end date. After my XX/XX/XXXX Payment I was told my Pay off balance was {$5500.00}. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. Now that it is XX/XX/XXXX I payed my bill of {$230.00}. I was told my payoff balance is XXXX. I am not a finance major but I know from previous experiences with purchasing that my Pay off balance should not go up. I don't know what Mariner Finance is  doing with my account. I NEED SOMEONE TO LOOK INTO FRAUD IT EXTRA CHARGES TO MY ACCOUNT PLEASE.
Consumer complaint received 2022-11-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN I HAVE FILED REPORTS AND GIVEN PROOF. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

I applied for a new credit card and XXXX XXXX XXXX denied me because I would only allow a pin-accessed credit pull. I refuse to unfreeze my credit reports because my data was part of the XXXX  data breach. I offered to unfreeze just one of my credit bureau reports but they insisted that they had to pull one at random from the 3 bureaus. Given XXXX XXXX irresponsible handling of our private data, consumers should not be the ones to pay the price ; the credit industry ought to carry that burden and if it comes at the expense of XXXX  so be it. Credit card issuers like XXXX XXXX XXXX shouldn't be able to force me to unfreeze all my reports considering my data has been stolen and unfreezing them would put my credit and identity at risk. At its core, what XXXX XXXX XXXX is asking is discriminatory against those who have had their information stolen in credit bureau security breaches, or who have had their identities stolen in the past.
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (LA)

i leased this vehicle directly from a KIA dealership in XXXX. The vehicle is financed through Kia Motors Finance ( a/c # XXXX XXXX. For the entirety of the lease term the vehicle has been registered in the State of XXXX a few months ago Kia Finance sent me a statement indicating that I owed Texas personal property tax. At taht time, i called Kia Finance and explained that the car is registered in XXXX the rep requested that I mail a copy of the XXXX registration to Kia to rectify the matter. I complied with the the request. Now I see that Kia has reported me to the credit bureau for the unpaid tax. i called KIa but was unsuccessful getting through. I want my credit report repaired and the tax be removed from my account. thanks