davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I filed a claim with my Insurance company, XXXX XXXX, in XX/XX/XXXX. The claim was for hail damage to my roof. XXXX XXXX came out, seen the damage and approved the claim. They sent me a check for {$5400.00}. It had my mortgage company too, Carrington Mortgage on the check due to having a current mortgage. I was told to call them once I receive my check to see how I can get the funds. I called Carrington on XX/XX/XXXX and they told me to sign the check, which I was adamant about but XXXX told me that's how it was done. She told me they could only hold the check for 2 days. On XX/XX/XXXX, I called to make sure my check was in the mail due to them receiving it XX/XX/XXXX. They said they are holding the funds, until I send them paperwork. They sent me a packet of papers to fill out after I mailed my signed check to them. They said I needed to get those in then they could give me 25 % of the check to start then they have to come out and make sure I'm doing it. Take in mind, my roof is leaking, so he's it will be done. I'm not that person to take the money and run. I argued and said that they need to train there employees because XXXX failed to tell me any of this. I called XX/XX/XXXX again, my contractor backed out because they haven't had to fill out paperwork and can't start the work with only 25 % down. So my fiancee and step dad talk and agree to get this roof done before any other damage. So on the XXXX I tell them I need the funds so I can get this fixed. They said I don't get the funds until I get a licensed contractor. After arguing and crying, I got no where. The paperwork states if my loan is current, the check is under 15,000, all I need to send them is the estimate from XXXX XXXX, the declaration of intent to repair and the UNENDORSED check. And that I could act as my own contractor so I don't need a licensed contractor unless the check is over 15,000.  Well hmmm, they had me sign it, now are refusing to let me fix my roof. The funds are just enough to cover, because my roof isn't big. Another contractor bid was way over the amount I was getting. And other contractors are booked for several months. My roof needs fixed and I need my check. They lied and had me sign it and now are refusing to give me my funds. They can't tell me who can fix my roof, but now they have messed it all up. As of XX/XX/XXXX, they still have the check. They said they could only hold it for 2 days. They are a bunch of scams. I didn't choose this company, they bought out XXXX who I originally had my loan through.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Accounts on my credit report are reporting inaccurately. I have sent in letters to the XXXX, TransUnion, & XXXX to dispute, and it just seems like they are not doing their job correctly. Some accounts are reporting 30 days late multiple times. When it was only late once. Accounts that have been paid and agreed to be removed have not been removed from the credit report. I have requested that balances be updated and they still have not been updated.
Consumer complaint received 2021-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed erroneous accounts with XXXX  and TransUnion for many months without any responses sent back to me from the credit bureaus. The accounts listed in the attached file should be removed as the credit bureaus have violated the Fair Credit Reporting Act. I have attached the most recent letters sent and have provided the certified mail receipt numbers as evidence to the credit bureaus receiving my letters. 

Certified Mail XXXX Numbers XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Accounts on my credit report are reporting inaccurately. I have sent in letters to the XXXX, XXXX, & Equifax to dispute, and it just seems like they are not doing their job correctly. Some accounts are reporting 30 days late multiple times. When it was only late once. Accounts that have been paid and agreed to be removed have not been removed from the credit report. I have requested that balances be updated and they still have not been updated.
Consumer complaint received 2016-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: USI Solutions Inc. (LA)

I XXXX XXXX XXXX XXXX, XXXX would like to file a complaint against this debt collecting company called USI Solutions they are aggressively trying to pursue me to pay a loan that I have never in my life seen or received a check for .there number is XXXX this is some fraudulent loan and I 'm not paying for a loan I do not owe.University XXXX I have never attened a online school this is some type of Identity fraud.
Consumer complaint received 2022-04-11
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: ALLY FINANCIAL INC. (MI)

I looked up my credit report and noticed a bunch of car inquiries on my credit report that I didnt authorize because I just got me a car XXXX of 2021.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have a few student loans through XXXX XXXX. These loans have been in deferment for a while now. I have not been able to make a payment on these debts for a while now and I have communicated with XXXX and let them know that due to COVID im not in a position to pay these students loans and again i am i deferment but they are reporting lates. I need these lates to be removed from my credit file. Under the Federal Mandate, CARES ACT, you can not report lates during the pandemic and plus my account is in deferment.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (FL)

This is not a duplicate complaint, and this is complaint due to the new evidence. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them in XX/XX/2022 stating, '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX XXXX XXXX on Equifax Credit Report MUST BE REMOVED. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my Equifax Credit REPORT. Only XXXX has reported this information on my credit history. 
I have included all supportive documents that I have mention above in my support.
Consumer complaint received 2022-04-11
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. (FL)

n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX  Account number XXXX ) violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-11
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. (PA)

I did not authorize '' Equifax, '' nor did I consent to following inquiries being furnished on my consumer report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (MD)

I noticed that my checking account was not being credited for 1.25 % APY for direct deposits and only 0.7 %. I have had at least XXXX direct deposits from my employer ( XXXX XXXX ) on XX/XX/XXXX and XX/XX/XXXX. The Sofi rep I contacted claims the deposits are not coded correctly preventing the crediting of the bonus. She made a unhelpful suggestion to contact my organization to change their direct deposit ACH coding practices.
Consumer complaint received 2022-04-11
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. (TX)

They will not refinance my loans after forbearance, late payments applied, need help please. i WILL NOT BE PAYING TILL XXXX, 600 MONTHS 50 YEARS, That's a Covid disaster for me I need a break please Thanks XXXX & XXXX XXXX XXXX To whom it may concern : I was one of millions of small business owners that Covid Epidemic affected. 
XX/XX/XXXX Texas Governor, City Majors all signed an Order to close business that had gatherings of no more than 5 people. 
I have a mortgage on this XXXX XXXX, rental building capacity of XXXX toddler XXXX infants. My Leasor could not pay the rent so they left, The mortgage company said they could help with Modifying my Loan with Forbearance assistance. 
See attachment please see for yourself if you call this assistance. Thanks XXXX The attachments should answer your questions on Payments, Taxes, Insurance, amounts on our following properties. We only have three mortgages and 2 other properties paid in full. 

1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 3. FHA XXXX XXXX XXXX XXXX converted to XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TXXXX 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  I signed Subdivision established XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX - XXXX XXXX XXXX XXXX VACANT LOT PAID IN FULL 30 YEARS AGO LOT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RENTAL PAID IN FULL 30 YEARS AGO LOT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

All three credit bureaus XXXX experisn and XXXX ] is fraudulently reporting a high credit card utilization for seversl credit cards when I only have one card. It's impossible. It must be corrected
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

All three credit bureaus XXXX XXXX and equifax ] is fraudulently reporting a high credit card utilization for seversl credit cards when I only have one card. It's impossible. It must be corrected
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-11
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-14
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. (DE)

I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX, XXXX XXXX/ XXXX , XXXX XXXX , Us Dept of Education # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX.
Consumer complaint received 2022-04-11
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: ENCORE CAPITAL GROUP INC. (FL)

When I was incarcerated XX/XX/XXXX I had a power of attorney contact all my creditor accounts for me stating I was only able to afford at most minimum payment each month. I when I was released XX/XX/XXXX and the pandemic was in full effect with mandated mask and boundary laws I could not work. My upholstery shop suffered and faced shut downs. I paid XXXX XXXX bank as much as I could each month although jobless and was only using the card in emergency pleading for some kind of deferment or grievance program. Denied by XXXX XXXX any type of help I became overwhelmed with the balance and amount of interest. My account was sold and the owner of the debt is now demanding a still greater amount calculated by only interest charges on this account. I have been threatened to be taken to court when I tried to explain that I am a victim of a national disaster and still remain jobless. I've lost everything including resistance. My credit is keeping me from any chance of recovery. The creditor is now reporting derogatory weekly to damage me more. When I sauhgt out help from credit burrow to dispute that was denied as well.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing furture information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. 


My information is below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Ohio XXXX Birthdate : XX/XX/XXXX Social Security:XXXX
Consumer complaint received 2021-05-14
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. (NY)

I sent certified letters out from the inaccurate and unknown accounts that have been drastically hurting my credit score, and costing me THOUSANDS of dollars in interest annually. I have tried reaching out to via letters and its been over 55 days and still no response. I feel as if I am being taken advantage of which isn't legally right. Section 611 ( a ) clearly states they have only 30 days to conduct an investigation and reply or the account must be deleted. it has been over 55 days and demand these accounts be deleted immediately. My information was also affected the the Equifax data breach and may have got in the hand of the wrong person.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (HI)

PayPal has closed my account for no reason and will not help me getting it back up and running. It seemed like a mistake but they have been completely unhelpful in trying to remedy it. I've been trying for months and was told to file a report here for help. 

My PayPal email is XXXX They put the account on hold initially in XXXX, then announced a 180 day hold in XXXX. In reality, the hold ( although not warranted to begin with ) started over 180 days ago. This is seriously shady activity from PayPal and it's affected my ability to pay for basic expenses.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (LA)

Sentry Credit INC is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (MD)

Please read attached notice I received. On XXXX XXXX2020, Harris & Harris Ltd violated my consumer rights by not letting me know that I could dispute this debt. They also retrieved my location information without my consent. They also contacted me without my consent. They threatened to boot and seize the vehicle if I didnt pay the debt. Its apparent that they were unfair, deceptive and abusive. I paid the collection because I was not informed that I could dispute and I was scared that they would continue to take adverse action.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OH)

Each month I have paid my balance in full. In XXXX of XXXX  I did not make my payment by XXXX cents because I switched the numbers. In XXXX of XXXX  I paid in full in XXXX I made two payments one in XX/XX/XXXX and one on XXXX that totaled my full balance and then some. I then got my statement and noticed a {$16.00} interest charge. They said its a rolling interest because I did not pay my balance in XXXX. So even though I have paid my balance in both XXXX and XXXX because I made two separate payments in XXXX before the due date I am charged a fee. I called and said this was a new policy that was put in place during Covid. I spoke with XXXX and he said it can not be refunded. I am disgusted that I was charged XXXX after I pay my balance in full. This is through BJs whole center commenity bank. They offered no help.