davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

Carrington Mortgage XXXX  refuses to take my payments and only is interested in foreclosure. I have tried several times to get caught up but they refuse to do anything. They tell me to make payments, I try, they send them back, then place my property in foreclosure forcing me to pay exorbitant fees. Their mortgage assistance process is for show only. They only do it because its a legal requirement. I have paid these people over XXXX dollars in the last 3 years, almost none of it going to my actual mortgage. The internet is full of other people with the same complaint. They should not be allowed to do business at all, much less be able to service government or low income loans. All they wish to do is foreclose.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (OH)

XX/XX/2021 my stimulus check was sent to NetSpend. I called the IRS they notified me that NetSpend excepted my funds. I contacted NetSpend about retrieveing my funds and I was told to send a then a copy of my driver 's license and social security card. I sent all information. they received information. Customer service told me they received my information. NetSpend still has not sent me my {XXXX} stimulus check. NetSpend defrauding running a scam on consumers. It is illegally to keep people money. I need my stimulus check for food and shelter. I look at complaint s online NetSpend has been illegally stealing money from consumers causing homelessness. This had to stop
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I've sent multiple requests to have the bankruptcy information removed. 

I've asked them to verify it was mine and they sated they were able to verify, but I sent them a XXXX verification letter stating there is no bankruptcy in my report. 

Also sent a bankruptcy court letter stating they dont provide information to credit bureaus. 

So please have them remove from my records. Thanks.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX   XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

I was contacted by Lexington law firm to repair credit, two months ago, they, said that XXXX, for one time payment, .then it went to a XXXX, one time payment.they were suppose to send letters out .3letters in all, then called for XXXX a monthly fee to build credit,. 
Then I got call from my debit card holder, MasterCard, they suspended my card, because of suspecious activity .The rep. Told me they have been having major problems with XXXX XXXX, do not use them .I am enrolling in XXXX a my financial aid has a problem, and I only have till XXXX to get tis straight so I can attend an receive help financially, They led me here, so I hope this will help get me started on my edu an future. I thought I was. Please help
Consumer complaint received 2019-03-19
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. (LA)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX  - partial account numbers XXXX ; XXXX ; XXXX ; XXXX.. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is  impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I re-consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit.
Consumer complaint received 2023-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MS)

My previous loan servicer verified that my employment at XXXX XXXX applied to my PSLF. However, this loan servicer, Mohela, is now stating that they have that on hold. My loan was just recently transferred to Mohela. I have been on the phone for over 2 hours, and I have been hung up on by the supervisor, who was to call me back. However, the supervisor never called me back. It is clear that they do not want to assist me. I am not sure why my student loan was transferred to them. I never had any issues with my previous loan servicer. Moehla does not have the right to reassess a finding of PSLF forgiveness qualification. It seems like a conflict of interest for them to be managing my loan, as they are the ones who are suing to stop the debt forgiveness given that they want loans to continue thereby allowing them to collect the high interest rates that make paying these loans almost impossible based on the low salaries we are paid at non-profits. See https : XXXX I am very upset at having to rehash something that was already settled. Being in this PSLF and having to work for 10 years for no money is already tantamount to indentured servitude. Must I also be harassed and stressed out having to argue about documentation already provided and approved.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I spoke to customer service and a suporvisor that said on the call they see it was corrected and they were going to far over the letter of good standings ( never got a fax ) and then they came back to XXXX with no change ( makes no sense ... ) it should be off my report! I have spoken to them numerous times and they say one thing than go another route ... It was from so long ago and i believed at those times it was corrected ... i do not have doc on it bc it was so long ago! But i am hoping they will finally admit what they say on phone and take OFF this inquire finally thank you!
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payment on the date below : 30 days late as of XX/XX/ 2018 ( All 3 Bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only  thought is that my statement did not get to me.
Consumer complaint received 2022-04-04
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-09-16
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)

I have collections that need to be removed from my credit report. The website does not work properly. I have been able to submit disputes online with the other two credit bureaus however Transunion has made it difficult to almost impossible to submit a dispute online. After one week of trying I believe I have given enough time for Transunion to fix their website.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CU Alliance, LLC (MO)

A Creidito shows a hard inquiry, Alliance, CU. I have not filed for credit with above mentioned creditor nor gave permission for credit check. This impacts my credit score. Request this creditor remove themselves from my report.
Consumer complaint received 2023-03-22
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. (FL)

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 XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or 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 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Sensible Auto Lending, LLC (TX)

The day of XX/XX/year> i inquired about a car at XXXX XXXX XXXX and was informed that I was approved for a loan through Sensible Auto and they want {$2500.00} down and I could bring {$1800.00} for down payment and they would defer the remaining. The bank verified my income and stated I used fraudulent check stubs but they declined to call the company for verification the loan was. The bank never approved me it was a scam and XXXX XXXX XXXX have refused to refund my {$1800.00}.
Consumer complaint received 2022-04-04
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. (MI)

victim of identity theft submitted all corresponding documents to the bureaus. and they still have not removed this fraudulent account from my report. I am very distressed about this.
Consumer complaint received 2024-06-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

The last payment made on this account was to the original creditor in XX/XX/year>. In XX/XX/year> this account was turned over to the collection agency. No payment was ever made to the collection agencies, so the last payment made was 7 years and 2 months ago. By law this account should be removed from my credit report and they refuse to remove it.
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

My loan payments were not applied on the correct date. MR COOPER need to apply my payments on payments date. They can not dictate when they apply my payments. 

Previously, mr cooper told me XX/XX/XXXX payment was applied XXXX XXXX XXXX  days late. 

XX/XX/XXXX will be applied on XX/XX/XXXX, more than XXXX days late. 

XX/XX/XXXX payment will be applied XX/XX/XXXX, more than XXXX days late. 

Thats holding my interest captive. Note : i did not ask mr cooper to apply my payments on ANY future dates.
Consumer complaint received 2023-03-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 15 U.S.C. 1681 section 602 A states i have the rights to privacyUnder section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.XXXX XXXX XXXX 15 U.S.C. 1681 section 604. It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) & 15 U.S.C 1681 -2 ( A ) ( I ) A A Person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (MI)

I just received a random Garnishment on my new personal bank account. 
I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX  ). 
The debt was garnished by a company named Rausch & Sturm/ XXXX XXXX XXXX 

I have no knowledge of this debt which is from 2009 when I was XXXX XXXX  of age with no apt/home in XXXX.
Consumer complaint received 2019-04-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BREMER BANK, NATIONAL ASSOCIATION (MN)

For the last 23 years my estranged husband and my in-laws have taken out a large variety of farm loans and ongoing lines of credit for which Ive co-signed many, if not all of them. Originally they were done through my Brother-In-Law, who at those earlier years was our loan officer at our bank, eventually they figured out that might be considered a conflict of interest and we received a new loan officer. Im not sure if this was the same time period my Brother-In Law became Vice President Of the bank. Now, almost two years ago my husband filed for divorce the same day probate for my Father-In-Law became final, I didnt even know it had started. During the high conflict, ongoing divorce, Discovery comes up, Im Pro Se due to the fact husband took all joint funds and put them into an account only he can access at the bank. He has two attorneys. I asked for copies of his bank statements and copies of our most recent loan documents that I signed on just three months prior, and was told be our loan officers supervisor Its none of your business, its farm business. I still havent received any documents from them. Our CPA also will not give me any copies of our taxes Without his permission because His name is primary on our account. He refused my request. Theres a Testamentary Trust involved from my Fater-In-Law for which my V.P. Brother-In-Laws wife is a beneficiary and my husband is supposed to by out her share, husband was also Executor of the will. I also saw the land loan we took out in 2007 had my forged signature on it. I didnt even know we bought land until it was all done. By the way our bank is Bremer and our CPA is XXXX XXXX & XXXX XXXX. Not that it makes a huge difference but Im also XXXX. Bremer has since closed my 23 year long checking account, so I no longer have a bank, much less any money.
Consumer complaint received 2022-04-04
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. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 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 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 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (DC)

Last month, XX/XX/2019, I received notice from American Express ' Bluebird card stating my Bluebird account has been permanently closed because I failed to pay an overage fee of {$2.00} of which I was unaware of because that I had forgotten it because of my medical condition where I've had some XXXX XXXX problems previously. I immediately called Bluebird to pay the {$2.00} balance on my account. They would not allow me to pay the money ( claiming they'd prefer a triple-dip tax credit ) and they would not allow my account to be reopened or allow me to open a new account. It is important that I have this account as I have a XXXX brother whom is extremely poor I'm his only surviving family member. Bluebird it the only way I have to transfer money to him without a fee in times of his need.

The people at Bluebird were rude, disrespectful, and attempted to shut me out of any communication with them. Fortunately, all my years of working at the XXXX XXXX in a high level capacity I was able to get through to them. That seemed to make them even unhappier that I was putting them on the spot and the " supervisor '' was seemed in the end of the conversation to pretend she couldn't hear me. However, she could because I would say some things that weren't putting her in a uncomfortable position and she would answer properly. 

I want to pay the amount I owe then of $ XXXXUSD as I don't want it as a negative entry onto any consumer reporting agencies in the US. , and I want my SAME account reopened so as I can continue to serve my family member ( whom is also a Bluebird account holder ) as I have always done. My Bluebird account number is : XXXX XXXX XXXX