davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

My husband and I have submitted a loan modification 3 times in the last 5 months and keep being denied, due to monthly payment increase, according to Carrington mortgage. They will not work with us to help keep our home. I've talked to their loss mitigation department several times about this situation. They are also charging frivolous charges for things that shouldn't pertain to our situation. Every attempt of sending them money has been returned to us because the amount wasn't enough for them.
Consumer complaint received 2022-09-15
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. (TN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2022-09-15
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the listed inquiry immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-01-26
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)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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. ''
Consumer complaint received 2020-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX - Applying for a business line of credit via XXXX  XXXX. XXXX  XXXX used Experian to run my credit. XXXX Credit Score, no delinquent accounts, no late payments, no bankruptcies, no public judgements, all accounts are in good standing - my credit has been this way for over 4yrs. XXXX  XXXX denies me due to my high bankruptcy score. Bankruptcy Score? Never heard of it. So I XXXX and found out that it's a product that Experian offers to banks and lenders to score the consumer on the likelihood of bankruptcy. The XXXX XXXX  rep couldn't understand why it was so high, as I have very clean credit. The called end. XX/XX/XXXX I called XXXX, and was told there was no such thing and that a bankruptcy score didn't exist. I also called XXXX. was instructed to call XXXX. XX/XX/XXXX Called Experian Membership Service and was told the same thing - never heard of it. Called Experian back, asked for the " business '' department and finally spoke with a women who was aware of the bankruptcy score and told me that the bankruptcy score takes 24-72hrs to reflect any changes my to your credit report ( my credit card utilization went down, which caused my score to increased ). XX/XX/XXXX Called Experian again for an update as it has now been 3 days since the change on my credit report - I was instructed to file a dispute. How can you file a dispute if the score isn't on your credit report? I've been getting run around from Experian and can't file a dispute disputing my bankruptcy score or information.
Consumer complaint received 2023-02-07
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-29
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: FC HoldCo LLC (TX)

I purchased a vehicle with XXXX XXXX services in XX/XX/XXXX. I have never been late with payment and payed over, resulting in my $ 462 monthly payment being on {$62.00} the month of XXXX. I purchased a new vehicle on XX/XX/XXXX, the due date of flagship. The loan from Flagship was transferred to capital XXXX that date. XXXX has a questionable reputation, so even though I had already been released from my loan. I paid {$70.00} to ensure I was not hit with a late fee, with the assurance that this would be refunded as my payment was not included in the payout. Not only did they XXXX not return the already paid funds but they are charging for another month. When I called, the representative stated they did not receive a payout when I have the paperwork from XXXX XXXX stating that it has, along with the title of release.
Consumer complaint received 2022-09-15
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2022-04-05
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. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this account was ever disputed. that is a violation and this account need to be deleted.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

So i called Professional Bureau of Collections of maryland and tried to see if we could settle an over due account. I spoke to XXXX XXXX at ext XXXX and then asked to speak to her manager, XXXX XXXX. she not only handled her job unprofessional and was disgustingly rude, she also prior to end of call on purposely hung up on me. 
I called back in to file a formal complaint against her and was transferred to XXXX XXXX and he was and claimed to be operations manager for the company. I spoke to him and tried to settle and work with the company to settle an old account. I reported my situation to him which he stated he couldnt speak on because he " didnt know of what happened. '' we could not get to settle anything and feel that this company has some beyond rude managers and have no respect for XXXX veterans! 
my outcome is that I would like the company to accept my settle amount for the inconvenient actions that the " manager '' XXXX XXXX took, by deliberately hanging up on me. i also would like a phone call back with an apology for her unprofessionalism!
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

In route of me wanting to dispute information on my credit report via telephone, Experian app and online ( Experian.com ) I can not see a newly refreshed report since XXXX ( XX/XX/XXXX ). There is information that needs to be removed and updated as far I can see on my end.
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (AL)

MY CREDIT REPORT HAS ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS ENDED UP ON MY CREDIT REPORT. I AM A VICTIM OF IDENDETITY THEFT. THIS IS NOT FAIR TO ME BECUASE I DIDNT AUTHORIZE ANY OF THESE ACCOUNTS OR INQUIRIES.
Consumer complaint received 2020-09-18
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. (AL)

MY CREDIT REPORT HAS ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS ENDED UP ON MY CREDIT REPORT. I AM A VICTIM OF IDENDETITY THEFT. THIS IS NOT FAIR TO ME BECUASE I DIDNT AUTHORIZE ANY OF THESE ACCOUNTS OR INQUIRIES.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I applied for a XX/XX/XXXX Credit Card. I had a XXXX credit score according to XXXX XXXX and a few other free services, and a high income. In a typical application, that would have resulted in an auto-approval on the spot. I was told to wait for a letter in the mail. 

The letter was dated XX/XX/XXXX. It said that the decision not to approve me was based on information received " from one of our Citi affiliates that your relationship has been reviewed and we can no longer service accounts for you. '' According to the terms of the credit product I was applying for, the issuing bank was XX/XX/XXXX. Citi is not referenced anywhere on the application. I would not have applied for the card had I been provided information that Citi was involved in determining my status. Citi closed my account in XX/XX/XXXX without notice or reason provided. I had never missed a payment with them. XX/XX/XXXX should have informed me that account ineligibility with Citi necessitates ineligibility with XXXX as soon as I entered my social security number into the keypad. They did not however, and they subjected me to a hard credit inquiry knowing full well that they were not going to approve me for credit BEFORE they even reviewed my credit. 

Furthermore, I received no supplemental documentation informing me of my rights to request a credit report upon an Adverse Action under Regulation B with the letter.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. The company set up a website, www.equifaxsecurity2017.com, that consumers  can use to determine whether their information was compromised. Based on the information provided, Equifax believes that my personal information may have been impacted by this incident.
Consumer complaint received 2022-09-15
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus letter last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX FIN XXXX Balance : {$400.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IN)

My ex-wife claimed bankruptcy a little over two years ago. Included in the bankruptcy was a XXXX XXXX in which I was a co-signer. As a result of the bankruptcy, Ally started to report " late payments '' on my credit report. Which was a lie because they were receiving " on time '' payments through my ex-wife 's bankruptcy. My ex-wife 's lawyer contacted Ally directly. Ally agreed to stop reporting late payments in which they did. However, now they refuse to go back and correct the previous months. As a result, my credit score is low. I'm wanting to refinance my home and now I can't. 

Thank you.
Consumer complaint received 2022-09-15
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. (AR)

In accordance with the fair credit reporting act, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U. S. C 1681 section 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent CERTIFIED letters out over 60 days ago and have yet to receive a notification. As a consumer I feel like these people dont care and are taking advantage of me. Also, THIS IS ME THIS IS ME THIS IS ME!! DO NOT SEND ME A VAGUE STANDARD RESPONSE!!!
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

As you are well aware ~143,000,000 people 's personal identification was leaked via improper security at Equifax . I am " likely '' one of these people, as stated by their website.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX