davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

XXXX XXXX XXXX XXXX ( DOB XXXX/XXXX/XXXX Last of ss : XXXX ) XXXX XXXX XXXX ( DOB XXXX/XXXX/XXXX Last of ss : XXXX ) Attached paper work in regards ' to the way that XXXX mortgage and also the Carrington mortgage company services LLC has been reporting to the credit agency on both of our credit reports untrue and inaccurate information ( Same joint accounts ). 
Information they are reporting are that the accounts were foreclosed on and a bankruptcy. 
They also make it appear that there are XXXX separate mortgages XXXX with a payment of {$360.00} and the other with a payment of {$700.00}. 
Carrington mortgage when I contacted : ( XXXX XXXX XXXX : XXXXXXXXXXXX ) stated that the foreclosure is correct because it was filed by XXXX before the short sale. Attached is a copy of the title search which shows no foreclosure paper work on this property was ever filed by either mortgage company. Also neither can show any paper work showing any foreclosure was filed and nor that we were ever served any foreclosure action. Also my attorney handling the sale of our home also did not receive any such notice. The only mention of any of this is on our credit reports. I believe this to be a deliberate attempt to help block any future credit offers by any lenders causing a lower credit rating and a higher interest rate offer by anyone. This is also an unfair and should be illegal partice. A lender has already told me that credit can not be issued because of what is reported to the credit reporting agency regardless of what paper work I have on these XXXX accounts. 
Attached also is the following : 1 : date and approval of short sale letter. 2 : mortgage transfer letter and date. 3 : copy of the title search, 4 : Satisfaction of debt, 5 : mortgage statement showing paid, 6 : this cover letter. for a total of 8 pages. 
This matter needs to be corrected and stopped by these mortgage companies to which I believe are working hand in hand or are really just the same company just using a LLC as a shield.
Consumer complaint received 2015-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

Case number : XXXX followed the correct measures and filed my complaint. The collection agency ( Enhanced Recovery Company , LLC ) admitted they had the wrong data and would close the collection account on XXXX XXXX, 2015. 

Now, two months later it still shows as a derogatory item on my credit scores ( all XXXX bureaus ) and it seems that Enhanced Recovery did not follow though with their promise to remove this negative item from my file. 

They never provided me with any information or account # 's in their initial contact with me. This company is extremely unprofessional and are abusing their abilities to ruin people 's credit. 

They have not followed through with their promise to remove this from my credit file.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CO)

Chime Bank which is insured by XXXX XXXX XXXX suspended my account without providing any reason. My entire account balance is now inaccessible. When trying to communicate with Chime 's customer support through their phone line, they refuse to provide any information about the issue or how it can be solved. When trying to communicate through email, they are non-responsive.
Consumer complaint received 2020-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CT)

I received a form 1099 today from Wells Fargo, they reported an amount of {$5100.00} ... I believe this amount is from a check which was not received and appears to have been intercepted by a third party, signature forged. A separate CFPB complaint number, XXXX, is currently on file in regard to loss of this check as well as amount of it which appears to have been low-balled. The offer amount, {$3700.00}, is less than what other former Wells Fargo customers received with lesser damages than myself.. The amount, {$5100.00}, includes IRS taxes which Wells Fargo reported despite no funds received.. Further, I continue to sustain damages from accounts which were not authorized and opened in my name which includes unable to open accounts with other banks. I've been denied several times and most recently, a money market account also denied opening.. A letter was sent to me from Wells Fargo stating information was recently removed from a consumer reporting agency with regard to one of the  unauthorized accounts, this was supposedly done prior, it was not. This notice was received on Monday, XXXX. I spoke with XXXX in mediation the same day, explained the offer was low-balled and consumer information was not removed prior and have been unable to open accounts due to it. Further, I explained no check was received and it appears it was intercepted by a third party, signature forged and cashed in my name..He did not seem to want to move on the matter such as offering a renegotiation or any other type of compensation due to circumstances. He denied offer amount was low-balled, information reported which I have a letter stating otherwise. Also, he said the signature on check appeared to be mine but he is not a handwriting expert, then contradicted himself saying I signed and deposited it to a Wells Fargo account which I do not have.. Since he is not a handwriting expect he could not know I signed it which I did not and deposit it into any account.. The last account with Wells Fargo or any other bank was closed in XXXX or XXXX, I believe. I've been using a pre-paid account since and the deposit amount limit is $ XXXX..Needless to say, I could not have deposited the amount, {$5100.00}. Since XXXX appeared to be unwilling to move, I am circling back with the CFPB here and request Wells Fargo remove information reported to IRS on this 1099. I have field my XXXX taxes and will more than likely get a notice back from IRS stating there is an error due to this information..
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IA)

My complaint is with the CFPB and their absolute failure to investigate my complaint against Experian and Experian 's failure to properly address my original complaint. Apparently all you need to do to address a complaint is to send the CFPB a bunch of XXXX  and they automatically consider the complaint addressed whether the consumer agrees or not. What kind of XXXX  government entity is the CFPB? They have not protected me one bit!
Consumer complaint received 2019-03-18
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. (FL)

Was removed as an authorized user account has since been closed. Ive contacted both transunion and XXXX and the bad information is still on my profile. Id like the account reported as closed and removed as it is not my account
Consumer complaint received 2019-06-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (MA)

In XX/XX/XXXX, I received a bill from Chase Bank for XXXX XXXX   property taxes on a XXXX XXXX - leased XXXX from Chase bank. The issue is I moved to XXXX in XX/XX/XXXX and had turned in the vehicle to a XXXX dealership in XX/XX/XXXX in XXXX. The payments were finished ( Chase simply stopped charging my account ). I was then driving a new vehicle. I called about the bill ( around {$300.00} ) and they said it was their mistake. I am at work now however getting calls about this so I needed to document this here. I have paperwork at home. 
*I received another letter less than a month later, requiring proof of the title being turned in. The title was never mine, it was Chases, so I never had a title. How could Chase bank ask me for that? I told Chase bank I gave all paperwork to the XXXX dealership. I was asked to track down the dealership to see if they still had things in the glove compartment, mind you its the month of XXXX, and I turned in the car in XXXX, and honestly don't remember where the dealership was. *Chase bank was privy to the same information I was about my payments being stopped in XXXX and not owing on XXXX or XXXX XXXX  property taxes. *I provided them with the registration of my new vehicle and the registration for XXXX for the subaru. 
*I am now getting telemarketing calls daily to extend my warranty on the XXXX XXXX ( which I turned in XXXX ). I haven't received these since XXXX. They are local calls and I can not answer my phone now. I've registered for the DO NOT CALL LIST which hasn't helped.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2015-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (SC)

The Debt was initially a XXXX debt from 2011. The debt was reporting owing {$980.00} due to equipment chargers. After contacting XXXX the amount was correct to reflect only {$310.00} owing for the past due bill. Unfortunately the debt was sold to Enhance Recovery. I called the company ( Enhance Recovery ) to settle the debt and ask If settling could have the debt removed. I was informed once the debt was settled I would receive a paid in full letter and ERC would report to the XXXX bureaus to have the information corrected/removed from my credit report. I did receive the Paid in full letter as stated, but my credit report was not updated to reflected paid in full or the derogatory information removed.
Consumer complaint received 2023-05-08
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. (MO)

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 XXXX # : XXXX, Account name : DEPT OF EDUCATIONXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : 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 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 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.
Consumer complaint received 2023-04-11
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. (MI)

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX XXXX : Account numberXXXX  XXXX XXXX XXXX XXXX : Account XXXX  XXXXXXXX XXXX  XXXX : Account XXXX  XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am writing again because recently I found account that its not mine. Also the most interesting fact here is that only two bureaus reporting inaccurate information. I DO NOT RECOGNIZE IT AND THIS ACCOUNT IS NOT MINE! Once again I write to you because I want you to make investigation and delete it from my report once and forever. You know life is unpredictable today and if we have these issues with error reporting what else we can expect from the life? You know that system is interconnected and I can not simply take loan because this wrong item reporting there. 

PLEASE HELP ME AND REMOVE IT FINALLY!
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these accounts as soon as possible as this is not mine. I'm so stressed and disappointed as I gone through my report because I'm doing everything because of this mistake my efforts has gone to waste!
Consumer complaint received 2018-06-16
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. (NY)

Today XX/XX/18! I received an updated transunion credit report. The account XXXX is still reporting as an adverse account. They did not fix it. I spoke with XXXX a few times in regards to this and was told this account will be moved to accounts that are satisfactory. This account was never paid late.
Consumer complaint received 2016-03-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I keep getting calls from ERC, which I see is a debt collector. The keep leaving messages on my cell phone to call them back. Thing is, I do n't have any debts. None. No credit card bills, my house is paid off, etc. I 'm not a debtor. Why do they keep calling my cell phone number over and over again?
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a default judgment that was ordered against me stating that I owe and must pay {$7300.00}. I didn't know I was being sued and the XXXX at the Justice of The Peace court said they put a letter on my door and I never received anything. They purchased the debt from XXXX XXXX and the company I have a credit card agreement with is XXXX XXXX XXXX XXXX XXXX Someone knocked on my door and was yelling open the door and it scared me I have XXXX small children. About this time I started to receive calls from Portfolio Recovery Associates and made the connection that this must be them. I reached out to thier complaints and customer service department and asked them to send me everything they have and all I they sent was a short letter that said an amount that I protest! 

Lastly, I want to know my rights since they failed to inform me of the lawsuit and falsely informed the courts that a notice was placed on my door.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2019-04-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC (NJ)

I submitted and disputed this medical dept saying that is owed. I submitted validation letters and they deleted everyone but this one in the amount of {$440.00}. I'm not responsible as proof has yet to be submitted.