davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (HI)

In XX/XX/2021, my 1-year-old mortgage was transferred to Carrington Mortgage Services , LLC . The transfer was problematic for many reasons : they transferred the day before my automatic payment posted, and I did not receive the notice of transfer until after that date, which resulted in non-payment. Additionally, there have been a couple of fees for various charges posted to my new account that Carrington claims are from the transfer ; however, there were no fees on my previous mortgage. When I have tried to resolve the issue, they will not remove the errant fee without a written dispute. They are trying to collect the fees via my mortgage payment. I have already spent hours trying to resolve the issue and don't feel I should have to provide a written dispute for them to remove the fee. I feel that Carrington is attempting to defraud me of the amount of the fees by making it difficult for me to dispute the charges, and because the amount is relatively small, hoping I will just pay the fee.
Consumer complaint received 2018-02-01
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. (PA)

I have been in a constant battle with Equifax in regards to several things that are inaccurate on my credit report. There are three collection accounts being reported on my credit report which are medical. I have sent a validation letter directly to the collection agency as well as disputed directly with Equifax more than 30 days ago. Neither have provided me documents of verification of this debt. As a matter of fact, the collection agency never responded and Equifax just responded to my dispute that it had been verified without providing verification documents which i am entitled to via the FCRA. In this case, the items needs to be immediately deleted from my file as required by law until i am provided with verification. 

Also, there is a public record on file that is inaccurate. Equifax stated that they verified this with the reporting agency. I contacted the Bankruptcy court directly and was provided with a letter stating that they do not report nor do they verify anything with the credit Bureaus. There report stated that they used a company called XXXX XXXX which is a third party. I contacted XXXX XXXX directly to verify that they indeed certified that what was reported was correct and was told that they also did not verify anything because there is a security freeze on account due to the fact that I was a previous victim of identity theft and mistaken identity with someone with the same name as I.
Consumer complaint received 2024-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/2023, I was in a public place when my belongings were swiped, phone & purse. I was told to tell him my pin aggressively. I left after in fear of my life. I was given my belongings back the next day by a relative who said they found it in a nearby park. 
In that time, this stranger accessed my cashapp, & sent {$300.00} to themselves. I requested a refund from the merchant, they of course refused. I filled a dispute with cashapp & have been denied. 

I requested documentation of a reason why my claim/dispute was denied. CASHAPP only reiterated that I was denied but without specific reason. They said they could not provide additional support on this dispute.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Account Name XXXX XXXX XXXX XXXX  XXXX ( original creditor opened XX/XX/XXXX ) After carefully reviewing my credit report, I recognized there are several discrepancies. This collection account is reporting not only as OPEN but it also shows a PAST DUE amount balance of XXXX. As of XX/XX/XXXX.
Consumer complaint received 2021-09-03
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: JPMORGAN CHASE & CO. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (CA)

This is a duplicate complaint from XXXX. However, I made a separate complaint that was erroneously combined with Transworld. Within a few hours, TransWorld responded. However, my issues were separate on the same matter. Transworld did not answer my questions either but I wanted them kept separate so that younomics would respond. I need a response from Younomics. Hence I am resubmitting the complaint as this derailed that process : Have attempted to contact younomics regarding details on my loan and potential involvement in privacy violations. After the CFPB [ Case number : XXXX ]. I was informed that my loans were subject to a security interest at XXXX XXXX. This was not apart of the original documents. The loans holders had changed a number of times. Due to privacy violations etc I was experiencing not sure if this had something to do with it. As it was not interest on a loan and there could very well be security issues. Either way, I believe they were being used by others to facilitate privacy violations. Upon following up with Younomics. They had no information from this complaint, while it was listed that younomics is the company complained against XXXX XXXX XXXX handled the complaint. What I found disconcerting is that Younomics had zero information. They could not answer my questions about anything. They could not produce any documents and could not produce any info. Furthermore, they would not answer questions about who their management team or ownership structure was ( including historically ). While XXXX XXXX was a surprise, that could be either a interest on a loan or a security interest that means there is underlying security issues which would fit my own concerns. I do n't know. When my questions are n't being answered, that 's a problem. I made a complaint regarding XXXX XXXX to XXXX. However, with younomics. They ultimately contacted university accounting service who then put my account in do not contact status. The issue is, I believe these things are being used by others in an adverse way or have been. I ca n't gain any details on the company. It 's not clear who owns them, who manages them and what laws prohibit them providing me this info. Furthermore, it 's not clear how my information being handled as they had access to none of it. I made a complaint concurrently to the NY Department of financial institutions but I do n't know if they did anything? It 's number is XXXX
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

I opened a XXXX XXXX Bank account # XXXX on XXXX/XXXX/2011. The payment " history '' on my account is incorrect and needs to be fixed ASAP as it effects my credit score. Currently Experian is only reporting 2 years of " payment history '' and there should be 5 years and 4 months. Please correct this error ASAP.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

This the final attempt to resolution before filing a federal complaint for {$50.00} XXXX against Portfolio Recovery Associates for unlawful activity and attempting to collect on a debt not owed. 

Read the document attached in full. You have 10 days to resolve the matter before moving to federal court.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX and XXXX phone calls were made to Capital One to close the account. At first they sent a statement of much is owed but did not send a letter stating the account was closed. After another phone call to Capital One they stated they can only send a fax and it could take up to 8 days to receive. I am in the middle of re financing my condo and I need the credit card to be closed. They refuse to help. Still today I have not received anything stating the account is closed. A fax should not take 8 days.
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent off letters to dispute accounts with XXXX, XXXX and Transunion in January of 2022. I still havent received a response from any of the them in almost two months later. The dispute was in regards to these consumer reporting agencies reporting information without my permission. According to 15 USC 1681b, a consumer reporting agency may only furnish information with written instructions of the consumer. And I am the consumer and I didnt provide them written instructions to do so. Furthermore, 15 USC 1681a ( 2 ) says that reports containing information solely as to transactions or experiences should be excluded from a consumers credit report.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

Despite the multiple previous written requests, the unverified collection listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00}
Consumer complaint received 2017-04-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Avant Credit Corporation (TX)

I took a loan with Avant online. The amount was {$20000.00} and the payment was {$840.00} a month. The interest over 35 %. At the time I thought I could handle it but I have come to a point that I can not. 
I knew the interest was high but where else could I get a loan? no where. I have paid on it for 18months and paid over {$16000.00}. Only I am shown as having paid {$5000.00} to principal. The interest will be way over {$28000.00}. I ask if they could lower the payment of the interest. They told me they could lower it to {$640.00} a month. That does n't really help. I do n't understand how they can charge such a large interest rate. How could I ever pay it off and what will they do to me? I know other loan companies have gotten in to trouble with interest rates like that.
Consumer complaint received 2017-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

In  XXXX  of  XXXX  I got my  XXXX   XXXX   XXXX  financed through Citez  ens One Auto Finance.
( 1 ) I received my first statement and then I never received one after that. The only way I could make my payments was online because any other way they charged, But that was the only thing I could do online, ( 2 ) the webs  ite did n't allow me to view any of my statements.   Each month, my payment due was  XXXX  I payed almost {$150.00} more than the payment due. When I called to see how much I owed on my loan, it just didnt seem to add up to what I had been paying.   When I started investigating this to see where all of my extra money was goin g ( thinking  it would automatically go to principle. ),  ( 3 ) they told me that all extra payments went half to interest and half to principle. I called multiple times to ask for a statement to be sent to me so I could see exactly where my money was going, since I could n't pull it up online. ( 4 ) It took four weeks for me to receive my statement in the mail. ( 5 ) I wa s told that they were not allowed to email it to me and it would be a  XXXX  charge if I wanted it faxed.   After being fed up with trying to contact them and receive information I went to my local credit union and started the process of refinancing my truck through them.   When I had to make my last payment through Citeze ns One Auto Finance, ( 6 ) I entered my account to find that now I was no longer a ble to pay  XXXX  and now I was ONLY able to pay  XXXX  and nothing less . ( 7 ) That me ans that changed my payment without consent from me, and also did n't give me an option to put my extra payment towards principle.   I lost over {$1300.00} with this company because I was under the impression that my extra payment went to principle when only half was going to principle, I was told that there was no way they could move it all back to principle.
Consumer complaint received 2019-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019, I had noticed my Chase Visa debit card was not working, I tried my other one and it didnt work either. I checked my app and I had plenty of money to purchase the diapers and other supplies for my daughter. 

That same day, I had went to a Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, where I decided to withdraw {$8000.00} so I could have cash ready for every day purchases due to the unknown debit card issue. That same visit I brought a check for {$360000.00} to put into a business account I intended to open that day with Chase Bank, when I tried to withdraw the money from my personal account the teller had a problem but had no information as to why. The branch manager worked with me and we found out that Chase Bank closed my account, I also had a pending ACH for {$25000.00} going to my personal account which had not hit the account yet. That day I had also noted that my debit card ending in XXXX was used multiple times in Texas fraudulently. I called Chase Bank to report the charges, the agent told me I would receive a credit for the charges while they investigate the claims, However Chase Bank did not credit my account accordingly.
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/XXXX I had an issue with XXXX of XXXX XXXX, Arkansas due to service of my vehicle which two weeks to fix. I made a call to customer services about the lack of communications during the first week of my vehicle being serviced. They had issues with figuring out what the problem was but they had to drive the vehicle to troubleshoot it. I had to wait an additional week to get my vehicle back from the service department at XXXX. Once I picked it up they charged me almost {$2000.00} for the repairs. I understand that having such an expensive car can lead to issues like that. But finding out I needed new breaks upon picking up my car by turning it on and the break lights on. I asked to the Manager of the services and he just said " Oh yeah, you need new breaks '' and walked away from the vehicle. After being treated so disrespectfully by the Manager I called XXXX XXXX and requested that they to come pick up the vehicle. 

The vehicle was picked up XX/XX/XXXX at my residence in Arkansas. I never received any of the following documents, repossession notice or Notice of intent to sell vehicle within the 15 days of the notice. The reason why these documents were never received by me was due to them being sent to the wrong address. I was in the XXXX XXXX and for some reason the documents were sent to my last duty station that moved to XXXX, XXXX. I retired in XXXX so I have no idea why the sent the documents there. But they had to right address to pick up the vehicle. 

I feel my rights were violated and I would like to know what I can do to fix this problem because it is causing my have issues with my credit since XX/XX/XXXX.
Consumer complaint received 2019-03-02
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. (SC)

XXXX College, Experian and XXXX are all working together in a fraud collaboration. I WANT THE FRAUDULENT INSTALLMENT LOANS REMOVED FROM MY CREDIT FOR THE CLOSED SCHOOL. I never ATTENDED or BORROWED any money FOR THE SCHOOL.
Consumer complaint received 2022-03-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (DC)

I received a notice from Professional Account Management, LLC ( PAM ) ( acct # XXXX ) stating that I owe {$250.00} and they are collecting that amount on behalf of the XXXX, DC Department of Motor Vehicles. In the letter the company states that the {$250.00} is for an unpaid speeding ticket from X/XX/2012 for a vehicle from Pennsylvania with license plate # XXXX. I was surprised to receive this notice because I have never owned a vehicle in Pennsylvania with that tag. Also, I do not recall ever being stopped by a cop for speeding. Further, the letter says that PAM has made several unsuccessful attempts to contact me, but I never received a call or a letter until the current notice. For the past 14 years I 've been a resident of DC with an active driver 's license and the same phone number, so it should have been easy to reach me. I now have tried to contact PAM several times via phone to dispute this debt and have been put on hold upwards of 15-20 minutes several times, but was never connected to an agent. I look forward to an explanation.
Consumer complaint received 2022-08-10
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: AFNI INC. (NJ)

Company claims that info was sent to me in regards to amount owed of XXXX, and also claims that proper investigation into this matter was done which is false. My address is incorrect on their documentation. This info on my credit report needs to be removed.
Consumer complaint received 2017-08-28
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. (GA)

I was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : XXXX XXXX XXXX ACCt # : XXXX I do not have a debt with XXXX XXXX XXXX and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.
Consumer complaint received 2017-06-14
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)

There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX   2016  which is NOT accurate never had an account with this company and why this collection account states I  was 30/60/90 da ys late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.
Consumer complaint received 2017-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Citibank is reporting a credit card delinquent XXXX that is not mine nor can I find out whose it is. My credit report shows me is an " authorized card holder '' but I have no information on the account and I have not had any credit with XXXX. I had a XXXX several years ago and any credit card debt I may have had is either included or not mine. 

I called XXXX and they would n't give me any information. I called several different divisions of XXXX and nobody would attempt to help me. 

I finally got hold of the corporate office and they told me most likely it was sent to a collection agency. Again no other assistance other than call someone else.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (OK)

I ordered a watch off a XXXX ad from XXXX XXXX XXXX. When I submitted the order I got a notification that my card was charged by XXXX. I was supposed to get an email confirmation of my order and then an email of a tracking number. I never got either. None of the emails on the website worked. So i XXXX the company and it turned out to be fraudulent. I notified XXXX and they removed the ad. I contacted cash app. I explained that I didnt do business with the company they charged me and XXXX had terminated the ad and I needed a refund and they havent done it. They just keep saying my card was charged without being present and my claim is denied.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am extremely frustrated with the persistence of fraudulent accounts on my credit report. After filing an identity theft report on Identitytheft.gov, the associated bank confirmed the report 's validity and assured the immediate removal of the accounts. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX