davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (GA)

In the month of XX/XX/2022, I feel victim to the sickness of XXXX I was in complete shock as I had done everything in my power to avoid the XXXX XXXX  I thought I would be fine but i was so wrong. XXXX hit me with all the worse symptoms, the XXXX XXXX completely disoriented me. I was starting to experience the inability to wake up and I had XXXX XXXX. I felt like i was starting to go unconscious, so I quickly grabbed the phone and called 911. I was sent to the ER immediately, the doctors were able to help stabilize my breathing. I had to say in the hospital for 2 days to feel some what functional, after that whole situation I realized a couple days later that I missed my payment on the mortgage. I was stuck in the hospital trying to cover that I didn't even think about that, what I was worried for the most was my life. I even tried calling the company later to explain to them what happen so they could give me a chance in my dire situation but they refused to help me.
Consumer complaint received 2019-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (CO)

Applied for a payday loan, with a 460 % interest rate. I received {$800.00} and have paid back {$840.00}. Due to the additional monies, felt already taken advantage of, have fallen short on my home. Please help The interest rate is not in line with the State of Colorado Attorneys Office and was told that this interest rate was illegal.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (VA)

XX/XX/2022 my card was used in Florida at a company called XXXX XXXX XXXX  for {$200.00}... I've contacted my bank ( Brinks/NetSpend ) they said it's nothing they can do until it stops pending it's been 5full business days and it's still pending and the bank say it's nothing they can do but they ask for me to provide documents explaining the situation but they can't file a dispute so why ask me for documentation? They also told me contact the merchant which I did but it's nothing she can do either due to her experiencing fraudulent activity with her account as well ..I just want to know what I can do to have my money refunded back into my account
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 — Information belongs to someone else
Company: Contemporary Information Corp (NC)

XX/XX/XXXX XXXX Reports Consumer Relations XXXX XXXX XXXX # XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : XXXX XXXX, Background Report, Incorrect Eviction listing. 

To whom it may concern ; It has come to my attention, by review of the background report, furnished by Your organization, that you have a listing on file, dated : XX/XX/XXXX, Case No : XXXX, for : Forcible Entry/Detainer Release . 
Under the name of : XXXX XXXX, XXXX. At : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
I am disputing this incorrect information. My name is Not : XXXX XXXX XXXX XXXX and I have never lived at : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
This is a case of Identity Theft and Fraud! 
The entry is being disputed and should be effectively removed from your system immediately! 
I have supplied my Identity Theft Affidavit along with current Identification and Social Security card to verify my true identity. 
Once this information has been corrected, please send an updated report with an apology for misrepresented information which improperly showed me as having an eviction which is incorrect. 

Thank you, XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I am writing to formally dispute inaccuracies in my credit report concerning late payment reports that do not accurately reflect my payment history. I have reviewed my credit report and noticed that late payments are reported for XX/XX/year>, which is incorrect. These payments were made on time, and I request that these entries be corrected to reflect " Paid as Agreed. '' Account Information for Reference : Account Name : XXXX Account Numbers : XXXX, XXXX XXXX Disputed Information : Late payments reported for XX/XX/year> Action Requested : I kindly request that the above-mentioned late payment entries be investigated and corrected to accurately display as " Paid as Agreed. '' This correction is crucial for maintaining the integrity of my credit report and ensuring it accurately reflects my payment history. 

Procedure : To the Credit Bureaus : I am filing this dispute under the guidelines provided by the Fair Credit Reporting Act ( FCRA ) and request that you investigate these discrepancies within the mandated 30-day period. Please inform me of your findings and any corrections made to my credit report. 

To XXXX : I also request that you review your records regarding my payments and update the credit bureaus with the correct information to ensure my credit report accurately reflects my payment history. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Ensuring the accuracy of my credit information is of utmost importance to me, and I appreciate your prompt attention to this issue.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I applied online for a checking account with penfed. Back in XX/XX/XXXX. I then received that they needed photo I.D . 
Social security card and utility bill to verify my identity. At the time of my application I was living in a cheap monthly motel room that I was receiving mail to. I sent in photo of my I.D . and social security card. I advised penfed that I was living in a monthly motel and I don't have any utilities. Everything is provided. Because I am living in a motel. 
So I also emailed them copies of the receipts for the motel Copy of the receipt from my XXXX debit card that one time I used to pay for the month showing the motel name address and my name Sent them my social security XXXX benefits letter Sent them copy of my XXXX XXXX statement showing the motel address I just found out that my account with them is still frozen and they still are hasstling me for documents I just again sent them Photo I.D Social security card And since I am living in a apartment now Sent them copy of my utility bill And my account is still frozen They are still demanding more documents From day one I had to pay a contribution because I am not a government employee or military member. I also used my XXXX XXXX debit card to fund the contribution I also used my XXXX debit card to fund the XXXX $ that I needed to open the account I have been on social security XXXX since XX/XX/XXXX I'm a victim of covert harassment and organized stalking since day one going on social security XXXX. Our corrupt government and the corrupt FBI agents have also made it look like I'm a victim of identity theft. They keep adding bogus information and bogus accounts. I have been documenting this for three years now I have XXXX and XXXX and was illegally XXXX in XXXX with XXXX XXXX for XXXX You can XXXX it So they have done everything that they can to ruin my life in every way possible and I believe this is also part of their doing All my accounts are hacked All of my phone are tampered I have my Florida I.D . 
still even though I am living in XXXX Ohio Because that address is my mom 's address who I lived with for long time And still go there and receive mail there when I need to I sent them so much documents when I first applied for the penfed account and when I was living in the motel
Consumer complaint received 2019-03-18
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. (NC)

On XX/XX/XXXX, I sent a request to Equifax, XXXX, and XXXX XXXX to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (SC)

American Account & Advisors @ XXXX who is an out of network provider is trying to collect on a medical bill without my authorization and violating my rights per the " no surprise act of 2022 ''. They have inaccurate information on my credit report that I need removed ASAP. 

Thanks for your assistance. 

XXXX XXXX XXXX
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KS)

My escrow account is incorrect. My property taxes are XXXX. Half ( XXXX ) is due XX/XX/XXXX and the other half ( XXXX ) is due XX/XX/XXXX. The mortgage company paid both halves ( XXXX ) in XXXX of XXXX instead of XXXX that was owed at that time. When they did the escrow analysis in XX/XX/XXXX they showed the taxes for the year as XXXX instead of the actual amount of XXXX. This in turn has shown a shortage in the account that they want to increase my payment by XXXX to cover when there is actually no increase. I have tried repeatedly to get this corrected. I first discovered that they paid both halves of taxes in XXXX sometime in XXXX and messaged the escrow department via there website in XXXX of the mistake. Then in XXXX when I found that the escrow analysis was incorrect I spoke with customer service and eventually ended up with XXXX XXXX. She said that she understood my problem and would contact the escrow department to get it corrected. I emailed her documentation that showed the property taxes and when the payments were due. She told me to give her a week and she would call me back and let me know what was going on with it. I did not hear back from her and contacted her by phone ( voicemail ) and also emailed her. I finally heard back from her after 2 weeks and was told that the taxes were not overpaid and the account was correct. Although they were not overpaid half was paid early which I tried to explain to her via email even again attaching documentation of the property taxes from the county and also there escrow analysis. I have not heard back from them and its almost 2 more weeks.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

I have been with XXXX they sold me to FAY servicing who in turn skyrocketed my mortgage almost doubled with warning. After some research I found that XXXX had me umbrella under a 2nd company who is now reporting that I missed from XX/XX/XXXX to XX/XX/XXXX. This is not true and i have the bank records to show from XXXX XXXX XXXX XXXX where i pay from my account. I am truly in a bind at this moment and Fay servicing has a very very bad reputation for swindling people out of their money and hundreds of lawsuits pending at this time. I am a XXXXXXXX XXXX XXXX XXXX has worked extremely hard to maintain a simple life and pay my mortgage like i am suppose to. This situation is more than I can handle. 

On my credit report XXXX is showing they have me from XX/XX/XXXX to XX/XX/XXXX but XXXX says they have me from XX/XX/XXXX to XX/XX/XXXX for 360 month term somewhere it changed to 432 months without my knowledge and Fay servicing shows up long before i ever knew they were in the picture. Also in XXXX there is a 8 months span where they report me as not paying this is so confusing please help me before i lose my mind.
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (PA)

XXXX XXXXXXXX TRUIST have my account number and withdrew payment 15 USC 1666 I believe the bill sent to me, is a billing error in accord with 31 USC 3123 and 18 USC 8 16 CFR 681 TRUIST also reported my personal information to the reporting agencies without prior knowledge or consent 12 CFR 1006.34 TRUIST failed to send a Validation of debt notice 15 USC 1692 g I sent a notarized, registered Validation Dispute letter to TRUIST within 5 days of the first bill with no response from TRUIST26
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I received a letter from Linebarger Blair & Sampson, LLP ATTORNEYS AT LAW stating I owed the Oklahoma tax commission the amount of XXXX and they were representing it. I believed it because it was too many attempts and because I did owed Oklahoma before but i thought I had paid off my debt, I tried to contact the law firm but they would just send more letters of time running out before they took legal process. I immediately paid through their website. I never heard from it again. Until this month XXXX XXXX I received another letter, and XXXX XXXX I received another one both with different amounts owed and I realized it was a scam. I just want to know if theres a way I can get my money back.
Consumer complaint received 2022-02-02
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. (GA)

I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to XXXX, and Experian informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, and Experian to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX have evaluated my consumer credit report that you have assumed a vital role in assembling for me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality and respect for the consumers right to privacy. According to congress you are required to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of said information. It is made clear by congress that I have a right to PRIVACY as a federally protected consumer! My right to privacy has continually been violated, disregarded and disrespected which is a direct violation of the FRCA and the Gramm Leach Bailey Act. I did not consent and or authorized for you or the people mentioned below to use and or share my nonpublic personal information. No consent or authorization id IDENTITY THEFT! I XXXX XXXX demand to cease and desist. Pursuant to 15 use 1681a ( 2 ) congress makes is very clear that a consumer does not contain any transactions and or experiences. I am demanding for the following transactions and or experiences to be updated as a result of this in accordance with my written instructions. 

1. XXXX XXXX XXXXXX/XX/XXXX DELETE 2. XXXX XX/XX/XXXX DELETE 3. XXXX XXXX XXXXXX/XX/XXXX DELETE 4. XXXX XXXXXX/XX/XXXX DELETE 5. XXXX XXXX XX/XX/XXXX XXXX 6. XXXX XXXXXX/XX/XXXX DELETE 7. XXXX XX/XX/XXXX DELETE 8. XXXX XXXXXXXX XX/XX/XXXX DELETE 9. XXXX XXXX XXXXXX/XX/XXXX DELETE 10. XXXX XXXXXX/XX/XXXX DELETE 11. XXXX XX/XX/XXXX XXXX 12. XXXX XXXX XX/XX/XXXX XXXX 13. XXXX XX/XX/XXXX XXXX 14. XXXX XX/XX/XXXX DELETE 15. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 16. XXXX XX/XX/XXXX DELETE 17. XXXX XX/XX/XXXX XXXX 18. XXXX XXXX XXXXXX/XX/XXXX DELETE 19. XXXX XXXX XXXXXX/XX/XXXX DELETE 20. XXXX XXXX XXXXXX/XX/XXXX DELETE Pursuant to 15 USC 1681c-2 ( a ) you have 4 days from the date of this notice to comply with my demands as set forth in the context above. This is and will be my first and final attempt to resolve this as I am prepared to litigate.
Consumer complaint received 2023-03-20
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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  : ACCT # XXXX and ACCT # XXXX, XXXX XXXXL : ACCT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX XXXX  XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$2000.00} on the XXXX  XXXX XXXX partial account ****XXXX. ( Please see page attached from my credit report. ) This collection is completely unsubstantiated and is reporting in error. The management company is falsely accusing me of damaging carpet to a unit I previously rented. This damage to the carpet was done prior to my moving in, and before I committed to the unit, I met with the complex manager and pointed out the existing damage to the carpet. The replacment of the carpet is not my responsibility. I did not damage the carpet and therefore should not be responsible for replacing it. I have contacted the ( 2 ) bureaus to remove this collection item from my report however, I have not been successful. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed.
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

XXXX XXXX is reporting on a debt I do not owe. This debt is from Capital One and I had previously paid this debt with another creditor a very long time ago. This debt is not owed and needs to be removed off of my credit file.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I had a XXXX XXXX Credit Card, paid late, they sold it to XXXX XXXX XXXX XXXX XXXX did a great job of helping me ). XXXX XXXX still shows that i have an active account with them even though I have a paid in full letter from XXXX.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-09
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: The CMI Group, Inc. (NC)

hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all