davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

My brother and I inherited a home with a VA mortgage. XXXX XXXX XXXX  advised that the loan had been sold to Carrington Mortgage Services LLC. I contacted Carrington to get requirements for assuming and or paying off the loan. Each time I have contacted the company I have been provided different requirements. Documents have been provided to Carrington showing that the mortgagee, XXXX XXXX, is deceased and that I, XXXX XXXX, am a declared heir. I have requested that the requirements be provided in writing. I have been told the information will be mailed and emailed to me. I have not received any written correspondence from Carrington. Additionally when I call the servicing associates refuse to review the documents received to determine if they have the required information. When I ask to speak to a supervisor I am told that a supervisor is not available.

The Carrington loan number is XXXX.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

There is a collection appearing on my report stating I owe on a XXXX XXXX collection which is not true. I have a current account with them. I have disputed with nothing received and never been contacted about this. This is inaccurate and untrue
Consumer complaint received 2023-10-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (TX)

I have a loan with Speedy Cash, Which it's past due. {$750.00} I receive an email today from XXXX which it seems very catfishy. 
She was threating me and charging a immediately money through email and in my debit card. 

I made several questions. She never answered them. Also, she asked my card information and told me I was gon na be prosecuted and XXXX a XXXX against XXXX, violations and bla bla bla. 
I don't know where it's coming from. She refused to give me more information about which area she work at Speedy cash. 

Talk to speedy cash already and told the situation. Which it's werdr, cuz I just sat a settlement with them and everything was okay. 
I told her about that. She got XXXX. hahaha And release detectives and a warranty. For what? haha I am so confused and I just wan na report this to you guys. 

So. yeah that's all. She never gave her number or provide a number. She asked me my attorney contact her. By email? 
XXXX XXXX are not smarter than me. 

Thank you anyway.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada (NV)

It is for an apartment complex called XXXX XXXX XXXX which I never lived at. 
It is through the collection service of Nevada. 
I have had multiple issues with this debt collector they have threatened me on numerous occasions with suing me and refusing to listen to me when I explain things were not me. They have been nothing but a hassle to deal with/ This debt needs to be removed from my credit because it was not me
Consumer complaint received 2021-11-12
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. (IL)

I have contacted Experian a numerous times to dispute one item on my credit report since it is incorrectly reporting on my credit report. The company ignores to do proper investigation for the disputed item ( s ) and do not contact the credit furnisher or lender to update reported information. The other two credit bureaus report the information on this credit item correctly. The investigation normally takes up to 30 days to complete. They complete in one week or less and notify me about the results their investigation. The disputed item shows incorrect account balance and missing account history or payment history. The account shows no data update since XX/XX/XXXX until XX/XX/XXXX. They made remark on my credit report that : this item was updated from our processing of your dispute in XX/XX/XXXX. Nothing has been updated or changed. I have a difficult time to reach their customer service representative to speak since their automated telephone system is not user friendly and does not transfer calls to live agent. Even if you reach the customer service, they are helpless and do not transfer calls to supervisor. I have a negative experience with resolving disputes and updating credit report with the correct information. The more details I provided in the attachment from my credit report. 
The company violates Fair Credit Reporting Act by ignoring consumer rights and updating their credit reports with the correct information.
Consumer complaint received 2022-05-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (GA)

I had 3 Barclaycards, one XXXX XXXX, XXXX XXXX, and rewards masetercard. This company has been an absolute nightmare to deal with. They refused for MONTHS to shut off auto pay and repeatedly tried auto drafting payments out of an account that had been closed. So not only was I being charged ridiculous fees from my bank but then these people started to hit me. I had one account set up on autopay ( XXXX ) now I go online and atopay has been shut off and now they are reporting my account late. I have a serious medical issue and these people have RUINED my credit by first closing my accounts due to the fact that they refused to update the autopay for a different account. Now they DOUBLED my minimum payments so not only are you causing me ridiculous amounts of fees they are making the payments unaffordable at a time when I am sick with possible XXXX.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (CA)

I was directed to call My synchrony bank phone number XXXX from my Venmo card services and once I call a number calls me at the same time this was at XXXX pacific time because my transfer of XXXX didnt show in my account like it said it would in the app
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

I moved out of my apartment at XXXX XXXX XXXX in XXXX, AZ on XX/XX/XXXX. The apartments are managed by XXXX XXXX XXXX. After move out, I received an invoice from a collection agency, IQ Data International, stating that I owe a balance of {$150.00} to XXXX XXXX. I contacted the apartment and received a copy of the ledger. I was inexplicably charged an additional weeks ' worth of rent beyond the lease termination date of XX/XX/XXXX. I was also charged for a carpet cleaning during that time frame, proving in essence, that the apartment was fully vacated. 

XXXX XXXX, through their attorney, responded that it was indeed their error, they apologized, and refunded me the rightful balance of the deposit due to me. 

IQ Data is still attempting to collect on the debt despite my submission via certified USPS mail that I disputed the debt with proof and also despite my submission of XXXX XXXX XXXX attorney 's letter to me. 

I need IQ Data to cease their illegal attempt of a debt I have disputed in writing via certified letter and provided proof that there was never a debt in the first place. I've attached a copy of the letter I mailed to IQ Data Inc, their original communication of the debt from XX/XX/XXXX, and XXXX XXXX XXXX attorney 's admission of the error by XXXX XXXX in the first place.
Consumer complaint received 2018-09-19
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. (TX)

I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Multiple unauthorized transactions were made with my account. There were transactions in XXXX, Ga, XXXX, Ga, and XXXX, Ga. I live in XXXX, Ga and that is where I was located at the time of these transactions. This is verified by other transactions on these dates posted in my account. 

All Transactions were posted on XX/XX/XXXX XXXX. 
ATM WITHDRAWAL ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX Amount : {$300.00} XXXX. 
ATM WITHDRAWAL ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX Amount : {$480.00} XXXX. 
PURCHASE WITH CASH BACK ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$20.00} XXXX. 
PURCHASE CASH BACK XXXX XXXX XXXX XXXX XXXX GA Amount : {$1.00} XXXX. 
PURCHASE ON XX/XX/XXXX QT XXXX XXXX GA XXXX Amount : {$25.00} XXXX. 
PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX # XXXX XXXX GA XXXX XXXX : {$1.00} Wells Fargo stated that there was no fraud detected by these transactions
Consumer complaint received 2021-11-12
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. (NC)

Around XX/XX/XXXX I filed a 2nd Compliant ( # XXXX ) with CFPB and the North Carolina Attorney General 's Office Division of Consumer Protection against Equifax for improperly reporting a XXXX Bankruptcy on my Consumer Credit file. Equifax ( as attached ) " verified '' and that they were provided this information by 3rd Part vendor XXXX XXXX. However I included with both prior complaints a letter from XXXX XXXX dated XX/XX/XXXX along with a 2nd letter also from XXXX XXXX dated XX/XX/XXXX both clearly stating in writing that the bankruptcy previously reported by them from XXXX Case XXXX was reported in error on their part and has been removed from all XXXX XXXX reports and reporting effective XX/XX/XXXX and copies of both are attached. On XX/XX/XXXX Equifax provided to me in writing that on that date they had " verified '' the XXXX Bankruptcy case XXXX using ( again ) 3rd Party provider XXXX XXXX. Therefore that alleged verification is not true and inaccurate as the letters dated XX/XX/XXXX and XXXX/XXXX/XXXX directly from XXXX XXXX show. Therefore this XXXX Bankruptcy XXXX is being reported on my personal credit report illegally and MUST be removed as per Federal Law. However, Equifax refuses to " reinvestigate '' and remove this incorrect reporting. 

In addition on XXXX I obtained my complete 102 page XXXX XXXX report. In that report as they will see it clearly show NO bankruptcy in XXXX Case XXXX. It only shows closed cases in XXXX and XXXX ( attached copy ) that have since legally aged off of my credit reports as they should have and have been removed by all Credit reporting agencies. 

In addition I also disputed this same case on the same grounds with XXXX and in their investigation they admitted it was reporting wrong and removed it from their credit file on XX/XX/XXXX as Equifax should have also done.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was issued a tax lien in XXXX for the XXXX tax year in the state of XXXX Although I was in XXXX, I was active duty military and a legal resident of XXXX. I paid state taxes to XXXX lived in military housing, and shopped on base. I was physically on a XXXX 9 months out of that year and rarely stepped off federal property. I would like this lien removed, as it is a black eye on my credit report that I am trying so hard to repair and maintain. I want to make a home purchase in the very near future, and this is affecting my ability to obtain a mortgage. Thank you.
Consumer complaint received 2022-05-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-03
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-30
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

In accordance with the Fair Credit Reporting Act Fifth Third Bank and XXXX  XXXX have violated my rights. 

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MI)

I XXXX XXXX have and address on my credit report that I never lived at or no nothing about. XXXX XXXX XXXX XXXX XXXX CA XXXX. I do n't know any one in this city or state, I have never been to CA. So I do n't know why this is showing up on my credit report.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home ECT.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

In XX/XX/XXXX filed a complaint with the CFPB regarding concerns with the funds held in my escrow account and payments for taxes and insurance by Citizens Bank. During the course of that complaint, I worked with XXXX, Office of the Chairman. 

I received a reply from XXXX in response to the complaint, stating that my home 's current tax payments are estimated at a significantly lower rate and will increase in XX/XX/XXXX. In response, I've contacted the XXXX XXXX XXXX XXXX to confirm the increase and estimated amount. They stated that an appraisal of my residence was completed in XXXX XXXX and that one won't be needed for another XXXX years. However additional enhancements and improvements might prompt a reevaluation sooner. As of today, we do not anticipate making any improvement of additions. 

Regarding the tax amounts, XXXX XXXX XXXX XXXX stated that they have been set for the year XXXX and won't be changing. Despite having more than sufficient funds in my escrow account, Citizens has not yet paid my outstanding tax liability of {$5700.00}. Failure to make payment will result in penalties and liens imposed on me as the homeowner. Currently I have a balance of {$31000.00} in my escrow account, an amount more than sufficient to satisfy the outstanding tax obligation. 

Regarding the large escrow balance, on XX/XX/XXXX, I received a notice from Citizens that there was a distribution of {$9900.00} from my escrow account ; however, I never received a check or deposit for that distribution. 

Since the response letter from XXXX, I have contacted her via telephone at XXXX and email at XXXX on no less than XXXX occasions to further resolve my issues with no response. 

I continue to have grave concerns regarding my outstanding balance with the XXXX XXXX fiscal office as well as the large balance within my escrow account relative to my tax and insurance obligations. Citizens has not been able to provide concrete support justifying the ongoing balance and I did not receive any funds from the distribution that was made on XX/XX/XXXX.