davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I did a modification with my prior loan company XXXX XXXX back in XX/XX/XXXX. The modification 's effective date was XX/XX/XXXX. The first payment due was on XX/XX/XXXX. As soon as the modification process was complete and before the XX/XX/XXXX effective date, the loan was sold to Carrington Mortgage Services. Lower LLC did not send copies of the modification to Carrington Mortgage Services. I made contact with Carrington and they told me that my load n was in forbearance and it would not end until XX/XX/XXXX. I called back to them on several occasions to make sure nothing was due because I wanted to make sure nothing went wrong with the mortgage. I also sent Carrington a copy of the modification from XXXX XXXX by uploading it to the customer portal so they could see what the terms were. I sent the copies by email again in XX/XX/XXXX. No one from Carrington contacted me until XX/XX/XXXX to let me know that I owe for XXXX and XXXX on my mortgage. I called Carrington several times to make sure I didn't owe anything and all they told me was to wait until the forbearance was up on XX/XX/XXXX. They told me that they appreciated my calling in to check on the mortgage. 
I do not blame anyone but myself for putting my mortgage at risk financially but thought i could get the help I needed without finding myself almost back where I started. Carrington gave me a couple of options that were not at all beneficial for the customer. One was to redo the modification which meant that my APR would jump probably 3 to 4 percentage points because of the current rates. The other was to pay all 3 payments and get caught up. I just felt some of this responsibility should fall back on Carrington because I repeatedly called in to check so something like this wouldn't happen and obviously it did. There just seemed to be no giving from Carrington making me believe that they are not accepting any responsibility for the situation.
Consumer complaint received 2018-12-26
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. (IL)

I DISPUTED TWO COLLECTION ACCOUNTS SEVERAL TIMES WITH EQUIFAX NEITHER CAME FORWARD WITH ANY DOCUMENTS, SIGNATURES THAT I AM LIABLE FOR THESE COLLECTIONS JUST RECENT THE TWO COLLECTION ACCOUNTS WAS REMOVED FROM MY EQUIFAX CREDIT FILE THEN A DAY OR TWO LATER THEY WERE RE-INSERTED WITHOUT GIVING ME A FIVE DAY NOTICES OF INSERTION OF WHICH IS A VOLIATION OF THE FCRA LAW. YOU CAN NOT REMOVE SOMETHING THEN INSERT IT BACK WITHOUT SENDING THE CONSUMER PROPER DOCUMENTATION OF SUCH COLLECTION THAT THE CONSUMER IS LIABLE FOR EQUIFAX HAS FAILED TO GIVE PROPER NOTICE OF WHICH IS WHY THEY AS A COMPANY HAS SEVERAL LITIGATION OF LAW SUITS FILED UPON THEM DUE TO THE BREACH OF CONSUMER INFORMATION. ALSO I HAVE A ACCUNT THAT WAS REMOVED AND ITS STILL SHOWING ON MY CREDIT REPORT
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XX/XX/2022 I purchased an airline tickets {$3300.00} over the phone through an agent in XXXX a good talker give discounts & says dont worry I can cancel it within 24 hrs if I change my mind. He ask for my credit card for payment I trust him give my new Citi Master Card that has a 15 months 0 Apr for purchases & 0 liability for unautorize purchases. On the XXXX  we changed our mind & called my agent many times to cancel no answer, XXXX nobody can cancel.I email them no responsed. This is wrong so I called Citi customer service told everything & I want to cancel the payment & not authorized it. They give me a new card. After 2 days the payment went through. Call them again give me a lot of reasons why it go thru. So I decided to call XXXX  to get my refund because Citi is not helping & protecting me. Because even I told them everthing what happen & clearly say I dont authorized it they pay the merchant. I went to a lot of stress to get a refund. My agent finally answer my call on XX/XX/XXXX. I did not get the full refund only {$2500.00} on XX/XX/XXXX. I saw I lot of complain online about this XXXX  same what happen to me. So I file a dispute for {$830.00}. Its clearly they doing it to others. They dont answer my calls & emails to expire the 24 hrs free cancellation to get money it intentional. But Citi master card did not help me. And told me I liable for the {$830.00} why should I pay I call & inform them to cancel my payment. And in the letter they sent me they threatened me they will report me to the agency even I pay more than minimum. No good Im the consumer they should protect me.
Consumer complaint received 2022-06-15
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)

In Accordance with the fair credit reporting act XXXX account # XXXX Account Name : XXXX XXXX XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. states I Have the right to Privacy. 
15 U.S.C section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.
Consumer complaint received 2022-06-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Innovate Managed Holdings, LLC (CA)

Back in XX/XX/XXXX I refinanced my used vehicle XXXX XXXX XXXX. My previous lender was XXXX XXXX XXXX. 
New lender was XXXX XXXX XXXX XXXX XXXX XXXX ). Literally the same day I signed the contract I received notification from XXXX that my loan is being assigned, sold or transferred from XXXX to XXXX XXXX with servicing to be provided on their behalf by Innovate Loan Servicing Corp. ( with the same terms and conditions ). 
Beginning XX/XX/XXXX I started making payments to XXXX XXXX. 
I have made total payments in the amount of {$3500.00} ending in beginning of XX/XX/XXXX when I again refinanced my car to XXXX XXXX XXXX. 
The reason I decided to refinance was to lower XXXX more than with XXXX, where it was about 1 % down - now my XXXX was decreased from almost XXXX to 6.49 % XXXX. 
Just paying your attention for one detail : when refinanced with XXXX they put my employment as XXXX XXXX with unknown company despite I put XXXX ( XXXX and XXXX ) in application as my primary and only source of income. 
When switching to new ( latest ) lienholder from XXXX XXXX XXXX XXXX XXXX loan was funded by XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX paid to first XXXX ( XXXX XXXX XXXX  ) when I refinanced {$25000.00} ( payoff amount ) When refinanced with XXXX - they paid {$24000.00} to Innovate. 
My total loan balance decreased for less than {$1000.00} despite I paid to Innovate ( XXXX ) {$3500.00} for the period of 7 months with simple interest rate of 10.98 %. 
I suspect I have had usury loan from XXXX ( Innovate ) with hidden fees and charges. 
I also had GAP Contract with XXXX ( Innovate ) that must be cancelled when refinanced. And now I have new GAP Contract with new lender XXXX. 
I have contacted multiple times with Innovate ( XXXX ) recently by email ( messages ) and by calling them regarding getting refund for cancelled GAP. 
Regarding GAP  refund I was told by GAP  company ( https : XXXX ) I need to contact seller, i.e.Innovate. When reached GAP by phone they confirmed my GAP contract # and was then told I have to call them different time about refund cause they are not available. It's like the circle ... completed... 
When I asked Innovate ( by phone ) about loan charges they responded like refinance loans always work this way - more money goes to interest. 
Was it like I wasted my money paying off the loan that after 7 months of payments I owe almost same amount when car value drops much faster?! 
Also I want to add that as for today as seen from XXXX payment page it still shows my next payment due is on XXXX, despite loan was refinanced and they received payoff payment from XXXX on XXXX.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My SSN has been compromised bank account has been opened, hard inquiries, slow inquiries, credit cards and loans, charge offs account that need to be deleted also car loans on my credit report from XXXX, XXXX XXXX Equifax. I need everything off my credit report and consumer report. I received a email about stimulus refund and called the number and reported it a scam I gave my information now everything is going wrong
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 2021-05-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc. (AZ)

The debt collection agency that my medical debt was sold to is trying to collect {$1000.00} OVER the actual owed amount, with no itemized statement explaining WHY it is they're charging me that much over the actual balance. In Colorado the company can only inflate the debt if I agreed to it and signed a contract, which I did no such thing. I understand it is my responsibility to pay the original balance, but grossly inflating the amount owed is disgusting and should be illegal.
Consumer complaint received 2018-04-27
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: EQUIFAX, INC. (TN)

My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX 's has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.
Consumer complaint received 2020-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I tried disputing this matter online and XXXX XXXX XXXX is saying this is my debt. This account is over 7years old and they are trying to collect on something that has been paid to a company that is no longer in business
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX , XXXX. : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I USED TO HAVE XXXX BANK OF AMERICA ACCOUNTS, SAVINGS AND CHECKING, AT BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX FOUND MY BALANCES IN CHECKING ACCOUNT GOING DOWN, WHEN I CALLED CUSTOMER SERVICE.SO I WENT TO THE BRANCH.THE CLERK PRINTED OUT THE STATEMENT.IT SHOWED UNAUTHORIZED CHARGES DEBITS TO MY CHECKING ASCCOUNT BY XXXX NEVER HAD XXXX ACCOUNT WITH XXXX NEVER PURCHASED ONLINE, XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX PURCHASE XXXX XXXX {$14.00} XXXX $ XXXX FILED COMPLAINT WITH FRAUD DEPT.TO INVESTIGATE HOW SOME ONE IN XXXX GOT HOLD OF MY CHECKING ACCOUNT NUMBER AT BANK OF AMERICA.THEY DID NOTHING.THE BANK OF AMERICA SHOULD BE PENALIZED AND MADE TO COMPENSATE ME FOR THIS INCONVENIENCE.OBVIOUSLY, A CRIME HAS BEEN COMMITTED.PERHAPS AN EMPLOYEE IN BANK OF AMERICA PASSED ON MY ACCOUNT NUMBER TO SOME ONXXXX AT XXXXOR SOME ONE AT XXXX MANAGED TO HACK INTO THE BANK OF AMERICA COMPUTER SYSTEM XXXX
Consumer complaint received 2021-04-13
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)

This complaint is about the 2 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I XXXX have sent XXXX  and Equifax my ID social security number to verify my information. i have sent them valid police reports from me walking in to the police departmant i have file a FTC report with more then 20 Inquiries that the perpetrator did as i am a victim of identity theft. Please see my attached documents. XXXX  can not say that it was a company that filed this complaint. please submit my request. There has not been nothing independently verified but automated emails that say the same thing,
Consumer complaint received 2022-10-21
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. (NC)

on XXXX I contacted the companies and the 3 bureaus and informed them that under federal law your in violation of 15 U.S code 1681n Infamis of pulls 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 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 I haven't received any response
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  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 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Equitable Acceptance Corp (NC)

The student loan representative promised that for fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 5.5 % which I assumed would start XX/XX/XXXX. My loan was given to XXXX and the student loan representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. Soon afterwards, I received a bill from XXXX for XXXX a month and bill from Equitable Acceptance for XXXX and XXXX a month in XXXX of XXXX. I checked today XX/XX/XXXX and after making 5 payments to equitable Acceptance Corporation they are listing the account as not current. The account is showing and listed as a CREDIT CARD on my credit report and NOW showing that I am LATE. I never applied for a credit card with this scam company!!! The representative stated today ; that a payment in XXXX was not received and they JUST posted that the account is late this month but the first payment in XXXX wasn't received ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. How is this company still in business with ALL of the negative business practices that they are currently doing. Who can I contact for legal advice ; I was in the process of buying a house and now my credit score just dropped 30 points today XX/XX/XXXX
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (KY)

This letter is a formal complaint against US BANK in regards to an accounts # XXXX {$9400.00}, XXXX {$5800.00}, XXXX {$7500.00}. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite the several correspondences Ive had with them, they continue reporting inaccurate and unverifiable derogatory information about me to the three major credit reporting agencies XXXX, XXXX, and XXXX. For one, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Billing Act. They have allegedly verified this account several times electronically to the credit bureaus but never once to me as mandated by law., I've actually disputed with them several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that both XXXX and XXXX could possibly need to correct this erroneous information on my credit report yet they refuse to do so. That being said, I feel as though I am being viciously attacked by this company and my consumer rights are being violated left and right. I'm well aware of other previous complaints against this company. So my question is, where does it stop? And does your commission have any plans to prevent unlawful business practices such as this from happening in the future? Please investigate the practices, FCBA, & FCRA violations of this company. I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that you REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a XXXX. If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Incomm Holdings Inc. (TX)

Incomm was supposed to have sent me a check for the amount of {$170.00} for a previous dispute I filed with the cfpb about a vanilla prepaid gift card I was never ever to use. They kept the funds. This supposed check was mailed out XX/XX/2023 from what a representative with their company told me. They also told me to allow 3 weeks which was the XXXX of XXXX. They have closed the case without supplying me with any relief.