davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage Services Tried to harass and force to pay so much out of me that I'm a senior citizen. I cant afford to pay or pay through a job because I've been retired since XX/XX/XXXX! They jump or raise the payments for a long time. I have stopped making the payments through one of your suggested representatives since XXXX of last year. Here are the dates, amounts, and actions I've taken since my retirement. 

CURRENT LOAN TERMAS Interest Rate : 3.12500 P & I Payment : {$540.00} Escrow Payment : {$200.00} Total Monthly Payment : {$750.00} Principle Balance : {$140000.00} **Prior Deferred Balance : {$64000.00} Total Principal Balance : {$200000.00} MODIFIED LOAN TERMS Interest Rate : 4.62500 P & I Payment : {$670.00} *Escrow Payment : {$170.00} Total Monthly Payment : {$850.00} 1st Monthly Payment Due Date : XX/XX/XXXX Unpaid Amounts : {$3200.00} Modified Balance : {$140000.00} New Deferred Principal Balance : {$0.00} Total Deferred Principal Balance : {$64000.00} New Principal Balance : {$210000.00} Balloon Payment : {$170000.00} I have stopped payments since XXXX and received my first NOTICE OF INTENT TO FORCLOSURE letter on XX/XX/XXXX. I have to pay the new amount of {$3300.00} within 35 of this letter, otherwise I'll be scoundrelly held for eviction. I've even asked my neighbor for help, which, bless her heart never knew, she would be willing to do it, but I refused to accept it since XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting 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. (GA)

Experian Consumer Assistance, I am writing to express my utmost concern and frustration regarding unauthorized inquiries on my credit report. Upon reviewing my credit report, I have discovered numerous inquiries that I did not authorize or initiate. This indicates a severe case of identity theft, and I demand immediate action to rectify this egregious violation of my financial security. 

The unauthorized inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX These inquiries were made without my consent or authorization, and I have not engaged in any business transactions with the entities listed above. This blatant disregard for my personal information has put my financial well-being at risk, and I refuse to tolerate such negligence from Experian. 

I demand that Experian take immediate action to investigate these unauthorized inquiries and remove them from my credit report without delay. Furthermore, I expect Experian to implement additional security measures to prevent any further instances of identity theft and unauthorized access to my credit information. 

Failure to address this matter promptly and effectively will result in legal action against Experian for negligence and failure to protect my consumer rights. I will not hesitate to pursue all available avenues to ensure that justice is served and that my credit report is restored to its accurate and untarnished state. 

I expect a prompt response from Experian confirming the initiation of the investigation and providing a timeline for the resolution of this matter. Additionally, I demand a free copy of my updated credit report once the unauthorized inquiries have been removed.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (MN)

Hi, This account has been open since XXXX. The account was closed in XXXX. XXXX activity was started, and LVNV bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the XXXX, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than XXXX XXXX XXXX. The last purchase date was on XXXX I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX collection agency reporting. Please see the submitted documents. The account needs tin be removed.
Consumer complaint received 2022-05-03
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. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


# 1 - EQUIFAX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 2 - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 3 - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX
Consumer complaint received 2019-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (NY)

I received a vehicle loan from navy federal credit union and after I got the loan all my payments were made on time but then I got a letter from navy federal credit union stating that the title was in my name without a lien holder which I didn't know, so then they started threatening to change the loan to a signature loan and raise the payments if I didn't sign the title and send it to them, so being in good faith I signed the title and mailed it back and they raised my payments anyways from XXXX to XXXX which is not the agreed upon amount that I signed and agreed too. I went as far as to tell them to come and get their property numerous times and in return they told me no they won't come and get it.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I received a closed-end installment contract account from XXXX XXXX XXXX XXXX, GA dated XX/XX/2021, which I signed. The original loan amount was {$900.00}, with a finance charge of {$240.00}, which equals {$1100.00}. However, I only received {$680.00} out of the {$900.00} loan on my debit card. This means that someone else received the remaining amount of {$220.00}. I would like to know who. 

I am confused as to why I only received a partial payment of {$680.00}, and still have to repay a loan XXXX XXXX XXXX financed in the amount of {$900.00}. The loan was reported as a past-due balance owed in the amount of {$900.00}, by the creditor XXXX XXXX XXXX XXXX , and reported collection past-due balance of {$1100.00} by XXXX XXXX XXXX XXXX on my credit report at the same time. The loan was reported as past due and sold to XXXX XXXX XXXX XXXX but the reported balances ( {$900.00} and {$1100.00} ) are inaccurate. 

The loan amount of {$900.00} plus the finance charge of {$240.00} does equal {$1100.00}, but since I only received {$680.00}, the reported amount is past-due owed is incorrect. In summary, my loan was only financed for {$680.00} which I received on my debit card from XXXX XXXX XXXX XXXX XXXX, not {$900.00}, and the reported balance of {$900.00} reporting inaccurate past due balance owed on my Experian credit report is inaccurate. The correct balance past due owed is {$680.00}, which I received out of the financed loan of {$900.00}.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (AL)

To whom it may concern, My name is XXXX XXXX, and I have a serious complaint against GM Financial. My GM Account Number is XXXX. This complaint begins with the derogatory credit reporting of my XX/XX/2019 payment. 

I scheduled a payment on or around the XX/XX/2019. I  called GM Financial between the timeframes of XXXX  XXXX-XX/XX/2019, and there was no indication that there was a problem with the processing of the XX/XX/2019 payment. 

I received a called from GM Financial 's automated system on Monday the XX/XX/2019. I immediately returned the call. I reached a representative and from the beginning of the conversation the representative was clueless about the call from GM Financial. 

I advised the representative that I just received a call from the automated system. After a few minutes, the representative asked about the two payments that were past due. I advised the representative that I received a confirmation email that XXXX 's payment is confirmed. Letter from GM Financial was emailed to me on the XX/XX/2019 which provided Confirmation # XXXX dated XX/XX/2019. The letter even stated that no further action is required regarding this payment. 

There was no indication from GM Financial at the timeframes that I called indicating that there was a problem with processing XXXX 's payment. When I called, the representative advised me that the checking account number entered was incorrect. I entered the correct checking account number. There was no information from XXXX XXXX stating account number was incorrect. 

I did reach out to XXXX, but I did not feel that it was their error because I received a confirmation of payment received. I want my credit reporting corrected for the month of XX/XX/2019 because I made the payment on time. The support of my honesty is that I made the payment as soon as I arrived home on the XX/XX/2019.

Additionally, when I called to make the payment by phone before the XX/XX/2019, there is no specific information that was given in regards to charges for the online payment. I was advised at different times previously before this situation that there was a charge for web payments, and there is a charge via the automated system. 

The payment that was processed for me on the XX/XX/2019 was no charge. I used my debit card for this payment. Now if I would have known that there would be no charge for the online payment via debit card, this situation would not have happened I am looking forward to hearing from you in regards to the correction of my derogatory credit reporting for XX/XX/2019 by GM Financial. 
Thanks XXXX
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Experian refuses to let me file disputes online or access my credit report online. 
I have been paying for Experian credit report monthly for 2 years and still since XXXX of 2018 they have REFUSED to let me have access to my updated credit report online and they REFUSE to let me file disputes online.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME XXXX CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

Green Tree {$12.00} service fee, force placed insurance on my condo for {$5000.00} per year, I bought a new policy and they wo n't lower my payment nor give me a payout or any paperwork. My mortgage went up from {$600.00} per month to {$900.00} I owe XXXX and my appraisal is at {$20000.00}
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (TX)

I contacted Regional Acceptance and XXXX back in XX/XX/2018 in regard to this account reporting in accurate. This account was authorized under another individual name. I explain to Regional Acceptance that I was release of all responsiblity with this vehicle by a written agreement with the owner and should not be liable since I contacted their company in regard to this matter before hand. The dealership was aware I asked to be removed prior to the final signing from all responisbility of this vehicle. Because of the high interest and fortune to pay back terms. Regional Acceptance has fail to provide me all or any documentation to prove the outstanding balance exist and the written agreement that I'm obligated for this loan. I'm requesting this account be removed from my credit report immediately and this company be investigated into their lending practices.
Consumer complaint received 2018-11-09
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. (PA)

HI, Please should more consider on my complaint against bad company EQUIFAX i had submitted many times of this regarding Unauthorized Hard Inquiry and XXXX has responded me Company responded XXXX XXXX XXXX Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response We are sending the customer a letter advising that we previously notified the credit reporting agencies to change the inquiries to non display, and it may take up to 45 days for the update to reflect.
Consumer complaint received 2019-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX has and hard inquiry on my credit report from XX/XX/2018 can not get incontact with this company, I have never went into any car dealer to purchase a vehicle called the number that's on my credit report and it just goes to voice mail XXXX
Consumer complaint received 2019-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (FL)

Almost a year ago, I wanted to pay off my loan so I went to Avant website logged in to my account and got the amount the payoff was and I paid it. Now, I am receiving late payment emails from a collection agency that Avant hired. I already replied to a bunch of those emails letting them know that I already paid off the debt but I am still receiving emails. I WANT THIS SITUATION TO STOP BEFORE THEY START REPORTING IT ON MY CREDIT.
Consumer complaint received 2019-02-09
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. (MA)

The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called XXXX XXXX XXXX XXXX. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files. All credit bureaus are being aware of this problem as now two debt collection agencies/debt buyers are in violation of their subscriber agreement across the board with the major credit bureaus. The credit reporting as well as the debt collection is 100 % fraudulent and needs to cease immediately and permanently.
Consumer complaint received 2023-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (MO)

I will not go into the backstory of how XXXX XXXX got us into this mess. Or how we were cheated by XXXX XXXX. This is a complaint about goodleap. However, I believe and at some point I believe it will be proven if the powers that be will investigate that XXXX XXXX and goodleap were colluding with each other in an alliance to get people who could not afford the loans to believe they could with promises of rebates and the payments of first year on them ( XXXX XXXX ) and the huge federal rebate we would get along with not only not having an electric bill but selling our excess back to the electric company. So we were talked into getting more panels to sell more electric and get a larger rebate. This all started in XXXX of XXXX. We did not fill out a loan application. When we realized we were not getting either of the two rebates we were promised the Goodleap pointed out to me in their email exactly where it said they were not promising a rebate and that it says to contact a tax expert. Now to me that proves up front they knew we were getting nothing. Why would that need to be in there. I started doing research and apparently this company gas a history of this type if bad faith loans. I later heard they put a lien immediately on the solar on your roof so if you sell your house they get paid off. So i checked. They put the lien on immediately. No waiting period. Just poof- a lien . No late payments-nothing. Them i checked my credit score as I regularly do and found out I now owe more than when I started. So we owe around XXXX on nothing. We own our home. Cant sell it. Dont have solar. Greenleap knew exactly what they were doing. When they payment balloons at 18 months because there is no rebate to keep it low. We will have to file bankruptcy. We can not make that payment. If they checked our credit they knew we do not owe taxes and that taxes is where the rebate cones from. We did not. We thought it was a government incentive. We offered a payment plan to them based on what we can afford no answer from them. I have filed a complaint with XXXX They have responded with ridiculous solutions that are not acceptable. I would like this company to be investigated and I ask to be released from this loan that should be illegal. My husband is XXXX and i am almost XXXX. We are going to lose everything due to their deception. Please help us.
Consumer complaint received 2019-04-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC. (FL)

Called and said I owed check into cash XXXX $ and XXXX XXXX XXXX out of XXXX, tx. Stated they were going to file felony charges at the end of businesses today. I would face up to 2 years In jail and a warrant would be issued. They refused to provode any written communication or validation of the debt. They also refused to provide an address for the business. They called my father in law and told him I was a criminal. When trying to further communicate with the business I was told my only option was to pay or go turn myself in.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (TX)

I have recently filed disputes against common wealth financial due to incorrectly reporting accounts to all 3 credit bureaus. In doing so, common wealth has deleted the accounts then posted these accounts as if they were recent hospital Bill 's,  basically re-aging these medical accounts fraudulently. I have received notifications twice in 23 months that this company has been found to have incorrect data and be deleted only to hit my credit months later looking like a new debt and hurting my credit score and reports immediately and causing me to look irresponsible to other cerditors.