davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage Services ( CMS ) XXXX XXXX MXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Authorization was faxed on XX/XX/19. 

I spoke to a rep from CMS today and I was told they will not do anything with our authorization until 30 days have passed. They will, however, speak to the listing agent even though the listing agent has not submitted an authorization. 

When I pressed it further, the assigned SPOC XXXX XXXX got belligerent and wanted to know why we were hired. I told him likely because the borrower doesn't know what to do and the listing agent requested our assistance so that they could work as a listing agent and not a short sale negotiator. He then said well that's what the listing agent gets paid for and was belligerent until I asked twice if he intended to prevent the borrower from their legally protected right of professional representation. ********* He does not need to know why the borrower hired us or authorized us to work the short sale, all he needs to know is that they did, and he needs to adhere to the authorization signed by the borrower. 

Since we have this problem on EVERY SINGLE SHORT SALE WE OPEN WITH CMS -- -- IT IS OBVIOUS THEIR COMPANY POLICY IS TO OBSTRUCT THE BORROWERS RIGHTS TO THE SHORT SALE PROCESS AND IGNORE THE EXPRESSED WRITTEN INSTRUCTION FROM THEIR OWN BORROWER. 

************This is a directed effort to keep us from working on the short sale. 

Attached is our authorization signed by the borrower. I expect this to be applied to the account immediately and for CMS to comply with this written instruction from the borrower. We want this file re-assigned to a different SPOC.
Consumer complaint received 2019-04-11
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. (IL)

ON XX/XX/2019 at approximately XXXX I applied for a business credit card online through XXXX XXXXl XXXX. The application asks for my EIN number. It also asks for my social security number under the owner. When I put the cursor on the? under ss. It states that it was only asking for your social security number for identification purposes only. As soon as I submitted the application, I got an email on my credit alert. It stated I received an inquiry and my credit went from exceptional to good because it lowered my points with the inquiry. I called XXXX XXXX immediately and was told that this was part of the process. I explained to her that it was misleading. I have 4 cards with XXXX XXXX already and this account was strictly business. I pride myself on being responsible with my credit and not over using not getting too many inquiries. She would not remove it saying this is the process. I NO LONGER WANT a business card with them. I am LIVID!!!!
Consumer complaint received 2020-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received an alert on XX/XX/XXXX through XXXX  that Creditor - XXXX ( XXXX XXXX XXXX  ) has reported my account to them as " Chapter XXXX Bankruptcy ''. XXXX  immediately marked the account as " closed '' and my score dropped significantly. I filed this dispute through XXXX  stating that this account was never included in my bankruptcy as this account never existed when I filed in XXXX of XXXX. This account. I requested that they look into this, because it was not only is this inaccurate information, but they are also falsifying information on my credit report and hurting my credit ability as I am in the process of applying to rental properties and the type of work that I do requires me to keep a clean credit record as much as possible. I called the XXXX XXXX  Company on XX/XX/XXXX and they did not show that the account was in such status.They advised the the account was past due {$76.00}, and I went online and paid {$80.00}. Days later I received another alert that my Kohl 's another account ( only reported by XXXX ) was now closed and the account was marked as " Chapter XXXX bankruptcy ''. My scores then dropped significantly. This account was also never opened until after discharge date. I confirmed with Kohl 's that my account was current and in good standing. I am not sure what XXXX is up to, but they are tarnished my credibility as far as my scores and credit report. My scores dropped well over 50-60 points because of this false information. Three years later ( after making every effort to regain my credibility of having filed bankruptcy in XXXX ) XXXX  would decide to add such a derogatory and inaccurate status to my report and cause great damage. My dispute returned from XXXX XXXX XXXX via XXXX  and the changes they claim to have made did not change. Dates are still incorrect, the bankruptcy chapter XXXX is still listed on my report and the account balance is incorrect. How could this company be so dishonest? I requested that the account be removed since it is reporting closed and inaccurate status and this was also not done. While Kohl has confirmed that XXXX  is also reporting inaccurate information and that my account is indeed current and in good standing, I now have to file a dispute with Kohl 's. This is AWFUL!
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I received a Email falsely stating that owed {$460.00} to LVNV Funding LLC that I have from a credit card with the XXXX XXXX XXXX on XX/XX/2003. First of all, they claim a address that I never lived there. Second of all a date that I never applied for that credit card. According to the Email sent, they have an account with XXXX XXXX # XXXX XXXX XXXX. 

Perfectly clear this is definitely NOT ME. 
Please I need this claim to be removed. 
Thank you an advance
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

National Credit System - XXXX - is reporting on my credit report for an account that was erroneous and already paid through my deposit. This should have never went to collections and I am currently in the process of taking them to court. 
It is paid already but it was sent in error and I am still fighting it with the original creditor as they are known for this type of practice
Consumer complaint received 2019-04-11
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (WV)

Ive called several times and spoke to Ally Financial and Whoever they refer as XXXX XXXX or whatever. They both can not verify my debt and both keep sending me back an fourth. They have failed to verify my debt via phone and via mail.
Consumer complaint received 2019-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I try to get the refinance my property so, my banker can not pull out the credit report. which they ( Banker said Disputed ) I try to fix up those problems so many days. by calling, and Internet complain too But I couldn't do any things to solve the problems That's why I report today for solve the problems.
Consumer complaint received 2019-04-11
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: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not owe. I have never had XXXX XXXX. This debt needs to remove off of my credit. This is a violation of the FCRA.
Consumer complaint received 2024-02-28
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. (IL)

On XXXX XXXX I disputed the accuracy of this XXXX XXXX XXXX account on Equifax ending in XXXX XXXX. 
And for XXXX and XXXX account XXXX. I was notified that this information was verified as accurate and correct. 

As of XX/XX/XXXX, AND XXXX my latest credit report shows that their investigation still remains inaccurate which makes me question the validity and methods use by each agency seeing as how this information such as amount owed, payment history and date reported and last active date is still not correct. 

Each Credit report show something different for monthly payment, last reported date and date last active is different on each report and there is no payment history is either inaccurate or not reporting for XXXX or Equifax.. 

Under the fair credit reporting act I am owed accurate reporting and each agency has violated my rights reporting accuracy. 

Under 15 U.S.C 1681b I have never gave permissible purpose in writing to any credit agency. Also Under 15 U.S.C 1681a ( e ) I never received any information regarding how this account was verified and if the credit agency only means of verifying this account was by getting information from the furnisher then they have violated 15 U.S.C 1681a ( e ).

Further more I asked each agency for proof of the permissible purpose with original instruction giving by me to this furnisher regarding permission to report. I also ask for proof that this furnisher gave me the disclosures stating I can opt in an out of any credit reporting at any time in the monthly order according to this law and I was met with resistance.
Consumer complaint received 2023-08-19
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. (NE)

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2018-09-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc. (MN)

Victim Information : Name : XXXX XXXX XXXX Age : XXXX - XXXX Address : XXXX XXXX XXXX XXXX/XXXX./XXXX XXXX : XXXX XXXX City : XXXX Country : United States of America State : Minnesota Zip Code/Route : XXXX Phone Number : XXXX XXXX Email Address : XXXX Description of Incident : On XX/XX/2018 morning, one fake person hacked my friends ( Naming XXXX XXXX ) XXXX account and sent me a message that his mother is very ill and is in XXXX. He needs {$3000.00} immediately and he would return that in couple of weeks. 
He provided account details as XXXX XXXX XXXX XXXX : XXXX and account # XXXX. He also provided a phone number XXXX but told me not to call as he is in XXXX. 
I know XXXX XXXX from last 14 years, so I decided to help him out by sending {$1500.00} via money transfer service called Remitly via express transfer which takes place in 4 hours, but because it was early Saturday morning it did take place immediately. 
It was Saturday early morning, as the transaction did not go through and in the afternoon, I realized that it was scam as I called up the number to know the condition of my friend 's mother. 

I immediately contacted Remitly to stop the payment, but they did not take any action. I reached out to them many times after that, but they failed to take any action to stop the transaction, they have given me complaint number XXXX. 
Remitly later harrased me asking for XXXX $ more when i filed a dispute on transaction with XXXX XXXX XXXX. 

I contacted XXXX XXXX customer care, but they asked me to contact XXXX XXXX XXXX instead. 

I contacted XXXX XXXX XXXX on Saturday and Sunday, but they told me that they can not file a dispute unless the transaction goes through and as soon as that happened they have taken the case and launched the dispute. The Case ID # XXXX.On XX/XX/2018 XXXX XXXX XXXX declined my claim stating that as I initiated the transaction i have to bear the charges. 


I will be extremely grateful if you can help in take any action and recover my money.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (UT)

XXXX XXXX and Waypoint Resource Group are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (TX)

Today I did a payment for US {$1000.00} to XXXX using Zelle, one family relative texted me using XXXX  and asked me to help him with medical bills from a recent ER visit he had, he told me to send the XXXX to the email above to pay for some medical supplies. We tried to phone him but due to his medical condition we were unable to get him on the phone so we did the zelle payment. Later today we finally got in touch with him and he confirmed that his XXXX account was hacked and he didn't asked us for money. 

We transfer using XXXX and filed a claim with them for this but they are not very positive. The person owning the email above is not a XXXX customer and they don't know what bank the money ended up. There should be more protection when using Zelle, like having the payment pending for a longer period of time at least XXXX hours, so a fraud is at play we have time to reversed the payment. 

Also, I hope this information is used to flag the account of this guy and somehow prevent others from being robbed. I personally won't use zelle again, the protections are not in place to do transactions in a safe manner.
Consumer complaint received 2020-02-06
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. (NY)

A on authorize hard inquiry was made on my Equifax credit report by XXXX XXXX on XX/XX/2018. I have contacted XXXX XXXX as soon as I received the alert. I was told someone was trying to open an account but the information was incorrect so the account didnt go through. I was told the hard inquiry removed but it is still on my credit file.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (TX)

I initially tried this gym membership for a total of about 5 days, for their online rate of {$1.00}. I was told by the owner of this establishment that if I had canceled for any reason before the due of first payment of {$54.00} that I would not be charged additionally, which I did. I canceled and despite unsubscribing I have been receiving numerous unwanted communications from these people, regarding this mystical owed amount of about {$54.00} and it soon to be reported to collections. 

First of all I want these people to stop contacting me, secondly I will not be paying any additional money for a gym membership that I used for 2 hours and then canceled shortly after.
Consumer complaint received 2020-02-06
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-04-11
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. (MI)

I have a membership with Experian for a few months only wanting to see my score. A week ago I received notification from two of my major credit cards that they are closing my account with the reason that per credit report from Experian I have too many request for credit review, which concerns me as there should not be. I have excellent credit so my credit card accounts are getting reviewed to be reopened. 
I tried to call Experian regarding this issue and also to cancel my membership. I could not get a human no matter what I tried. The automated system wanted my ss #, date of birth, Zip code and street number. I did not feel comfortable with this. Why cant they just ask for membership number or last four digits off ss #. I believe this to be a problem with several customers. I feel this is some kind of scam. I am not sure what to do.
Consumer complaint received 2019-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (AL)

On XX/XX/2019, I made the decision to log on to my student loan to pay my loan off of just {$50.00}. I was unaware at the time that maybe I did something wrong, but the payment of {$50.00} said it would process through in the next 2-3 business days. Yesterday afternoon, I tried to make a purchase on XXXX, but my purchase was denied, which that has never happened until yesterday. I look into my bank account and saw that the loan agency, Great Lakes, has charged me with $ XXXX.I do not even have half close to that amount in personal checkings account. I talk with several different Great Lakes reps about my issue and they informed me that they could not do anything regarding my payment mishap. They told me to call my bank and see if they could reverse the payment on my account. I was able to talk with a few bankers at the bank and they told me to contact the loan agency, but I told the bankers that my loan agency referred me to them to speak with it was nothing they could do to reverse the payment. I was told by a banker that they would fix the issue, but my account is still resting at a - {$39000.00}. I have no way to pay for anything, use my card to make any purchases. I am lost and devastated at this point, because now I am penniless because of the mishap that occurred on XXXX. I thought my loan agency would take agency, but they failed to do so, now I am worried that I won't be able to pay any other bills I owe, which is not good for me. I need help with this issue immediately. Please help me.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SD)

We made a payment in the amount of {$3400.00}. At that time we received 2 confirmation emails with the same confirmation number. We called at that time to ensure that there was only one transaction. We were assured it had only gone through once. It has since come out 2 additional times causing an overdraft to our account and multiple hours on the phone. We worked with the credit card to credit our account at the inital mistake on their end, and thought everything was fine, and today they took the money out again!! We have no idea how to get this to stop. We dont even owe what they are trying to debit from our bank.
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Opened an account with Citi bank on XX/XX/XXXX with an offer of receiving {$400.00} ( Promotion number XXXX ) within XXXX months of opening account opening. Spoke with Citi several times during XXXX and they advised me that I should wait, but I definitely should expect the money within days. I was sent a document from Citi on XX/XX/XXXX that I need to fill up a XXXX document and should expect my money right after. I mailed the letter, then I called Citi to confirm its receipt, they acknowledged that they received it, everything is fine, and that I should expect the money in my account soon. In XX/XX/XXXX I was sent the exact same document ( attached ) telling me that I need to fill a XXXX and mail it to them even though they already have it. 

It is worth mentioning that I am an international  XXXX from a tax free country ( XXXX ) and do not have an SSN.
Consumer complaint received 2019-04-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

Hello, I sent a letter to equifax on XX/XX/2019 and i have yet to hear back from them. I also monitor my credit report and havent seen any activity as to whether they have deleted anything on my credit report.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

On XX/XX/19 I requested the credit bureaus to investigate the collection with Diversified Consultants #  XXXX. They stated that the debt was valid. Well I reached out to Diversified Consultants and  requested the proper validation to prove they can legally collect on the account and a contract with my signature ( Tracking # XXXX XXXX XXXX XXXX XXXX ). I only received a copy of a bill from them. This is not proper validation and I want this account removed.