davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

My Mortage Company Carrington Mortage Paid My Property Taxes Twice. I've been reaching out to the Mortage company for 4 months and have not gotten anything resolved. I first reached out to Carrington Mortage Company threw Fax on XX/XX/2022. The amount of the over payment to the City of XXXX Tax Revenue is {$550.00}. Carrington mortgages made a payment to the city of XXXX for XXXX in XX/XX/2022 and XX/XX/2022. Because of this my Escrow is negative and my Mortage payment is {$100.00} higher than what it should be. I am a widow with XXXX income running my home. Inflation, groceries, utilities, gas etc. is rising and will continue to rise. The city of XXXX said it could take 3 + months to get a refund however Customer service rep stated they would make a request that Carrington Mortage return XXXX to my escrow account and do another escrow analysis to determine new mortgage payment and I would be contacted in 24 hrs. on a status. I've heard nothing. I was told by a supervisor I am not getting the refund and the company is not going to request a refund. I've faxed the Loan administration Dept and NOTHING. Please Help.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

This is the 3rd time Vanilla gift card charges me for purchases I did not make. Every time I call them they open a case but never do anything and I always lose my money. Is not much but they need to stop selling their cards. It's very upsetting that it keeps happening.
Consumer complaint received 2019-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (MD)

Below is a copy of compliant to PNC customer relations that explains our compliant with no resolution from PNC as of today. 

Ms. XXXX, My husband and I filled out an Credit line application on XX/XX/2019 ( Collateral against home ). NOT a HELOC we did not want to refinance. 
Ms.XXXX  was very knowledgably and explain exactly what we wanted. It was explained as a more relax process and quick closing process. 
it has been one thing after the next, its like rules are made up along the way from the underwriting team. 

On XX/XX/2019 I received a letter of CREDIT APPROVAL stating that we have met the credit and income qualifications for the loan. PNC is pleased to provide a Credit of  Approval for your credit line! ( waiting for date to sign documents ) What a sigh of relief we let out. We begin contacting our creditors to get pay off quotes and bargaining for lower numbers, finally a lower interest rate and one payment, we can see light at the end of our dark tunnel. Spoke with Mr. XXXX XXXX he stated everything was on course but bank request a walk through appraisal, I ask was everything ok he stated yes and PNC is doing everything to get this loan to closing and if we could open PNC checking account we will save 0.5 % on loan and pay loan through PNC auto checking. 

After 's this conversation my husband and I activate our cards and set up the online app. XX/XX/2019 Mr. XXXX contact me & met me at our home I was taken off guard due to it was XX/XX/XXXX for us. I ask Mr.XXXX if we could say a simple prayer after 's he proceeded to walk through home expressing " your home is lovely ''. I pointed out all windows ( 25 ) hadbeen replaced the sliding doors to patio/deck both sets replaced with French doors etc. Mr . 
XXXX stated the windows and upgrade adds value to home. XX/XX/2019 Mr.XXXX   called about XXXX XXXX stating someone will contact me about appraisal. 

I stated he came XXXX Friday which was a shock because it was good Friday I reiterate. Mr. XXXX stated he wasn't aware the appraisal had taken place but was glad so we could close. XX/XX/2019 I open my email seen PNC had emailed me twice stating loan updateand I will receive a notice via mail in 3-5 days ( I have spoken with Mr.XXXX often ) but Silence on this Monday and days to follow. 
I contact Ms. XXXX and inquired about the email. We begin to seek legal counsel for BREACH of TRUST, Falsified information, Poor & Lack of Communications. I reached out to XXXX on your side consumer team she stated this sounds like " XXXX XXXX '' fraud and theft scheme done by inside. WHY DISCRIMINATION only after the appraisal came things took a turn its a well known facts people of XXXX skin homes are appraised lower than XXXXXXXX Lead in Rejections for Home Loans, Homes in XXXX neighborhoods significantly undervalued ... 
XXXX : XXXX Looking forward to resolving this matter asap, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Dispute Regarding Removal of collections Dear Sir/Madam, I am writing to formally dispute an issue I have encountered with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter . 

On XX/XX/XXXXXXXX I recently check my credit report and noticed several collections and charge offs on my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and several inquires including XXXX XXXX XXXX XXXX XXXX, the issue remains unresolved and has caused me to be unable to finance a house and car. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated XXXX XXXX collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I request that the CFPB investigate this matter and take appropriate action to resolve the issue. Specifically, I am seeking the removal of all accounts mentioned off my credit report immediately or be subjugated to the full extent of the court of law. 

Please find enclosed all relevant documentation pertaining to this dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at XXXX Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX XXXX, a consumer, am submitting this complaint against transunion and there is no third party involved. Transunion, XXXX, and XXXX has my personal information incorrect and inaccurate on my consumer report. My name is XXXX XXXX XXXX. I do not have any other names or alises, and I do not wish to disclose any other names. I have provided the required documentation to show my given name and transunion refuses to delete any other name that appears on my report. My current address is XXXX XXXX XXXX XXXX XXXX, IL. XXXX. I currently have no other addresses and do not wish to disclose any other addresses. Therefore if any other addresses are being reported, i demand that you delete them from my consumer report. all the phone numbers listed are inaccurate and i do not wish to provide any telephone numbers. The name on my social security card and driver 's license is how my name should be spelled as well as my address. I demand transunion, XXXX, and XXXX  correct the inaccurate information listed above within 3 business days. Transunion, XXXX, and XXXX  is liable for damages of {$1000.00} per violation for civil liability for willful noncompliance which transunion, XXXX, and XXXX  has failed to comply. This also includes my actual damages.
Consumer complaint received 2022-05-18
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. (CA)

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XX/XX/2022. XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 WITH OUT MY WRITTEN INSTRUCIONS.
Consumer complaint received 2023-08-10
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I have noticed new collections on my credit reports and these Medical bills reported without any notice. No calls, no mail, nothing. According to the collection law they must meet guidelines before reporting to the credit bureaus. 
I was unemployed at the time these bills were acquired and should have been filed with the medical facilities for assistance for payments. I have never received a call, bill or any information from them and now it's with collections and on my credit reports.
Consumer complaint received 2022-05-18
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. (OH)

Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX  XXXX XXXX, however it was 6 other hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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: CITIBANK, N.A. (LA)

In accordance with the fair credit reporting act XXXX Account # ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights 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.
Consumer complaint received 2022-05-18
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. (WI)

The Credit bureaus stated all my negative account, was properly investigation 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 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-05-18
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. (WI)

The Credit bureaus stated all my negative account, was properly investigation 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 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-05-18
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. (NC)

Experian had on my report that XXXX XXXX was going to be removed from my report this XX/XX/2022, however it continues to be on my report when it was supposed to be removed off my report.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

This account was charged off in XX/XX/2017. The error they have made is they have continued to report an active payment history since then, almost 6 years! It is my understanding that a charge off account is not suppose to report an active payment history! Its illegal that they are updating the status date when the charge off was in XX/XX/2017. 

i am in fear this impacting several factors within my credit
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (MD)

I am a short sale negotiator negotiating a short sale. A short sale is when a property is worth less on the market than is owed ( i.e : home is worth $ XXXX and Seller owes $ XXXX ) and the seller is going through financial hardship. The bank will approve to waive the deficiency if the seller can present a buyer. 

My seller owes XXXX to her XXXX mortgage, XXXX and XXXX to her XXXX mortgage, 21st Mortgage. The house is work XXXX. She is behind on payments for almost a year and is well in the foreclosure proceedings. XXXX has just approved the HAFA short sale ( government program ) for XXXX to the buyer we are under contract with now and is giving the MAX amount that the XXXX mortgage is allowed to receive by HAFA regulations : {$8500.00}, which is much more than the general rule of thumb where they receive 6-10 % ( I have never seen a payoff to the XXXX reflecting more than the 10 % ) of the remaining balance ( XXXX-XXXX ). 

21st Mortgage is REFUSING the {$8500.00} and is saying they will not approve short sale unless they receive the XXXX, which XXXX CANT even give, even if they wanted to. The seller is not legally able to give the XXXX ( even if she had it ) because the whole reason a short sale is approved is because she does n't have funds to give to the XXXX mortgage. 

21st Mortgage would RATHER have the Seller go into foreclosure and receive {$0.00} ( all proceeds would go to XXXX NOT 21st Mortgage because the amount owed is much more than the property is worth ) than {$8500.00}. Keep in mind XXXX ca n't even give them the insane amount of funds they are asking for.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This complaint is related to loan modification in XX/XX/XXXX with XXXX XXXX. Due to severe hardships at that time facing foreclosure on my family primary residence, the delinquent interest {$51000.00} on the loan was negotiated and settled with the payment of {$13000.00} as full and final amount. Then a note agreement was issued by XXXX XXXX in XX/XX/XXXX detailing the new payment schedule along with the actual loan amount. There was no mention of {$51000.00} in that note agreement as it was settled with the payment of {$13000.00}. 

Please refer to attachments for proof of payment, XXXX XXXX note agreement and communication with the service provider. 

After this arrangement, the mortgage account was serviced by XXXX  XXXX from XX/XX/XXXX - XX/XX/XXXX and subsequently Select Portfolio Servicing ( SPS ) Inc. is servicing the account from XX/XX/XXXX until now. Both service providers started showing the {$51000.00} as outstanding and added the amount to loan balance which is incorrect. Neither have accounted for the {$13000.00} collected by the predecessor service provider XXXX XXXX. 

Despite my communication to both of them in writing with evidences of payments and the note agreement drawn in XX/XX/XXXX, the matter is unresolved. I want them to remove this figure XXXX pertaining to XXXX interest as it was settled with the payment of {$13000.00} per agreement between me and XXXX XXXX in XX/XX/XXXX. 

The responsible party to this dispute is Select Portfolio Servicing Inc. as XXXX XXXX is no longer handling the mortgage account. 

Thank you.
Consumer complaint received 2023-08-10
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: Commonwealth Financial Systems, Inc. (FL)

I have noticed new collections on my credit reports and these Medical bills reported without any notice. No calls, no mail, nothing. According to the collection law they must meet guidelines before reporting to the credit bureaus. 
I was unemployed at the time these bills were acquired and should have been filed with the medical facilities for assistance for payments. I have never received a call, bill or any information from them and now it's with collections and on my credit reports.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (NC)

I am writing to file a complaint regarding Equifax 's failure to respond to my dispute and validation request for an account appearing inaccurately and incompletely on my credit reports. Despite my initial outreach in XX/XX/2023, I have not received any acknowledgment or follow-up from Equifax. This lack of communication and action on Equifax 's part has had severe consequences for me as a single mother. The inaccurate reporting of this account has adversely affected my debt-to-income ratio, making it challenging for me to afford housing, and has significantly lowered my credit scores. Equifax 's negligence in addressing this matter has left me frustrated and feeling as though the system has failed me. As a consumer, I rely on Equifax to ensure the accuracy and verifiability of the data they report. However, their failure to assist me in resolving this issue demonstrates a clear violation of my consumer rights and has hindered my ability to access essential financial opportunities. I urge you to investigate this matter promptly and hold Equifax accountable for their actions. Your intervention is crucial in ensuring that Equifax fulfills its obligations and provides the necessary assistance to rectify this situation. Thanks for you assistance. 
.
Consumer complaint received 2023-06-02
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. (IL)

Hi how are u all doing today, I reviewed my Consumer Reports and notice that I had two late payments on an account I was never late for which lead to the account closing.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability With maximum accuracy. I have never been late on payments for the account. The Account Name Is XXXX And The Number Is XXXXplease investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments to be updated to on time as they should be as I was never late. thanks
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

An anonymous person made a fraudulent payment on both of my accounts as they are connected thru the app. I advised them i had not known about it and would like to make a dispute for it and they will not help me or restore the account so i can handle my debt.
Consumer complaint received 2016-02-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

This complaint is to be attached to earlier complaints about Wells Fargo Bank opening an account in my name and {$25000.00} stolen from the state of California through XXXX. Complaint # XXXX and # XXXX. I 'm again asking Wells Fargo bank 's Fraud Division to investigate itself and rein in your employee 's. On XXXX XXXX of 2015, my daughter received a fictitious call from a person posing as an FBI agent investigating My Name and Identity Theft. The person wanted to know my address in XXXX XXXX. She has a Wells Fargo bank account. To use your position to gather information from the private record of another person has to be against the law. I immediately contacted the FBI. There response was " We would never make such a phone call to investigate someone. Notify the FTC. '' I did. The call was from XXXX XXXX. Check your phone directory for that number. I have asked the OAG to follow-up in this matter. I have followed up to the State of California Fraud Division hot line. My family 's safety is of most importance. The XXXX XXXX attorney 's office has informed me that they will testify in court in my behalf that it was your bank that laundered the {$25000.00}. The detective will testify, too. If you do n't pass this on to your Fraud division I personally will proceed against you and your incompetence. A person in your organization is in collusion with the fraud why call my family?