davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage Services , LLC opened fraudulent mortgage loan using our property information and my identity information on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXX. They did not report this loan to my credit history until XX/XX/XXXX. Recently when I found that this loan was opened by my stolen identity information in XX/XX/XXXXand not by any legal business process, I reported a complain to FTC. As a result, Carrington closed the loan for few days. Recently they again opened the loan account and sent me a foreclosure notice for non-payment on this loan. I have made it clear to Carrington Mortgage Service that unless and until they prove that this loan has been opened in XX/XX/XXXXlegally, I would not be paying them any money. Carrington did not provide me any proof of the legality of the loan. Moreover, they changed my property title by executing two forged mortgage deeds. 
Carrington issued two other fraudulent mortgage loan notes on our property. One was on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXand the other on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXX. They serviced the loan in XX/XX/XXXX, when they were not even servicer of our mortgage loan. The other loan they are currently servicing since XX/XX/XXXX. Both these loans have been documented in Mers and the forged deeds are also recorded in the XXXX XXXX of Texas.
Consumer complaint received 2018-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Merchants and medical is claiming that I owe them money. I never signed a contract with their company nor do I agree that I owe them. I had full coverage insurance during the time in question and have no idea why anything wouldn't have been covered. But again they haven't even provided me real proof that it's my debt or that it ever belonged to me and they refuse to remove it from my credit report. Sending a paper they typed up in their office doesn't equal proof that I ever had a bill with the hospital. I believe this is a fraudulant account which is why they haven't provided me with any proof.
Consumer complaint received 2021-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I am a student living in XXXX XXXX, California and I am moving to XXXX to continue my studies. I contacted someone in a XXXX XXXX New York XXXX, XXXX - Housing, Apartments, Rooms, Sublets, Roommates called XXXX XXXX for assistance to rent an apartment for a month in XXXX. He helped me along the way and provided this site XXXX XXXX XXXX  as backup for his fraud. He assigned me an apartment at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX where I paid {$1400.00} XX/XX/2021 on a XXXX transfer. However, after paying I found the same apartment at XXXX XXXX XXXX and it look totally different. 
I got an offer to pay two month so I could get the third month for free and I accepted the deal. When I asked for a new contract, XXXX XXXX asked me to deposit the money on a different XXXX user belonging to XXXX or XXXX instead of depositing the the inicial XXXX account to XXXX or XXXX. Through XXXX I got the lease contract which seem totally transparent, but then I notice that in their website there are some agents names which I looked at XXXX website and found XXXX XXXX XXXX and saw that her pictures were liked by XXXX people mostly from XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and others. That was what made me open my eyes about the fraud. 
I am willing to help and provide any prove you need about this incident. I already reported it to my bank.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (OR)

I have applied for an Apple Card which is offered by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch and been denied. My most recent application for this card was XX/XX/XXXX. The text of the denial stated " Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have recently been past due '' However, I have not been past due on any account since XX/XX/XXXX to XX/XX/XXXX. These delinquencies

are over four and a half years ago. I contacted
goldman sachs and was told the information came from Transunion. I pulled all my transunion reports and they don't show  any " recent past due '', XXXX  agrees they haven't seen anything negative on my report since XXXX and very early XXXX. I also pulled all my other credit reports which also show no delinquencies in the last 4-5 years, certainly nothing recent. 

I am reporting to the CFPB because I can not get anyone at Goldman Sach 's to take a closer look at this erroneous denial letter and allow me to be approved for the Apple Card. Thank you.
Consumer complaint received 2023-12-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: American Financial Resources, Inc. (CA)

To whom this may concern : My name is XXXX XXXX My complaint is the lender in question may be using discriminatory practices. After stating in an email in XX/XX/XXXX I can move forward with the loan. No one contacted me to provide additional paperwork to reapply for the homestyle renovation loan. Instead, I was only told that my original architectural plans would need be changed in order for my loan to proceed. This cost was an additional XXXX $ dollars. Then, I'm notified my loan is denied in XX/XX/XXXX. It should be noted that the lender states I was officially denied in XX/XX/XXXX. But, why not tell me that if they requested new architectural plans a month before the denial? 

I've attached the denial documentation, email correspondence and an a photo of the completed attachment. It's clear my project meets fannie mae guidelines. What is not clear is when did my architectural drawings not meet the lenders guidelines. 

I need assistance seeking compensation for cost of installing solar XXXX XXXX I would not have had to add solar if the original lender went through with the changed plans. 



Your name and contact information ; XXXX XXXX XXXX The FHA Case Number ; XXXX Property Address ; XXXX XXXX XXXX XXXX, XXXX  XXXX Mortgagee Information ; and American Financial Resources XXXX Inc. / eLend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Direct : XXXX
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (LA)

Complaint to whom it may concern : Date XX/XX/2022 - I visited XXXX XXXX to buy a manufacturing home in XXXX XXXX My fianc and I picked a home that we wanted and put a {$1000.00} down payment to hold it until finance approval. We were approved on XX/XX/2022 by XXXX Mortgage ( see attached ) We were approved at that time at 8.5 % interest ( see attached ). And on XX/XX/2022 I get another approval notice and the interest rate was the same 8.5 % ( see Attached ). 
And then on XX/XX/2022 I get another approval notice with the same interest 8.5 % ( see attached ). And then on XX/XX/2022 I get yet another approval notice still at 8.5 % ( see attached ). And then on XX/XX/2022 I get a Denial Notice for some reasons listed ( see 2 pages attached ) And then on XX/XX/2022 I get an updated approval notice with some conditions! It states that I must pay additional {$1900.00} for total of {$2900.00} ( see attached page # 2 ) {$1000.00} for the down payment and the addition of {$1900.00} But as you can see the interest went up to 10.00 %. I called and spoke with the listed people and they said that the interest went up! It's my understanding is that you have 60 days to work on this loan! I feel like they denied me right before they went up on the interest rates, and then turned around and stated that everything is ok now BUT its now at 10.00 % rate. They will NOT give me the 8.5 % interest like from the beginning. 
I feel this is a unfair practice and I do not agree with this at all! Thank you Help ME!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 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 has violated my rights. Or list of inquiries 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 2018-07-26
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: Nelnet, Inc. (MN)

When checking my credit report I found that I four negative marks for a late payment of my student loans with XXXX XXXX in XX/XX/2018. This was the first time I was made aware that I had a delinquent payment. When I made the student loan payment to XXXX on XX/XX/18 I received confirmation of my payment and went on with my day. 

Due to a banking routing number error the payment I had made was reversed, and I quickly amended it upon receiving a phone call from XXXX and logged in to pay my loans. I addressed the technical error and the payment was made. I was never told that this was seen as a delinquent payment or a default. It was not sent to collections and in my history of the loans, this was the only error in payment made in 12 years. 

I opened a dispute onXX/XX/XXXX with XXXX stating that, although it was four loans, it was one payment that encountered an error and that the payment was paid in full and was not in default. I asked for these four late payments to be taken off my record. I included proof that I had received an initial confirmation of it being paid in XX/XX/XXXX prior to the bank error. The dispute was closed without any resolution except for a statement that two of the loans have since been fully paid. Unfortunately their dispute results online portal is not functional and I have had no ability to actually view the results aside from two separate conversations with agents that have resulted in additional confusion and frustration. 

I reopened the dispute ( ongoing ) on XX/XX/XXXX and called XXXX XX/XX/XXXX and spoke with a customer service representative who stated that because there are 4 loans they count the payment error as four delinquent payments and that they do not engage in disputes and will only send that the payment was late. The customer service agent was rude and unhelpful and refused to work with me or assist me with the dispute process, stating that despite a technical error with a routing number it is considered late. I noted to her my 12 years of payment history and she said that those payments don't make a difference. 


My reason for this dispute is : -I received a confirmation that my XX/XX/XXXX payment was paid -The missed payment due to the routing number error did not go to collections and was in fact, paid and currently two of the loans are completely paid -Showing up as 4 separate, negative marks is unreasonable given that it was one payment ( XX/XX/XXXX ) -Their attempts to reach me on this bank routing error were minimal at best and when i was reached I quickly made the payment -They are unwilling to support their customers financial needs, despite a twelve year history of having made payments -This is the ONLY late payment on my entire credit record, and due to a technical error in the routing number
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

XX/XX/XXXX XXXX : Property address XXXX XXXX XXXX XXXX NY XXXX Loan # XXXX I was given a modification by Seterus Servicer on XXXX. I have been making all of my payments on time. However Seterus servicer has been making mistakes on my account that have made me very XXXX and have had a toll on my health. This is my third complaint in less than three years. Three different serious mistake Seterus XXXX has done on my account. XXXX XXXX has my account suspended due to a mistake on their part. 1. ) I received a letter from Seterus XXXX datedXX/XX/XXXX stating that A payment that did not belong to my account was inadvertently posted to my mortgage account and XXXX reversed the payment that was posted in error. ( please see attached ). 
Again I find myself being threatened by Seterus on foreclosing on my house, due to their mistake. Seterus wants me to make extra payments. I dont have any extra money to make extra payments. I have made all of my payments on time. 2. ) My escrow payments should not have increased. I had a senior tax reduction on my taxes that started on XXXX and I faxed the proof on such reduction on XXXX ( see attached ) again Seterus gave me a hard time acknowledging this information and providing me with a new mortgage payment and statement until months later.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

On XX/XX/12 i made a purchase on a website through XXXX for {$190.00}. I cancelled the order the same day and thought that the charge on my card would go away. Once i saw that it did not I immediately submitted a dispute with Citi card. Finally at the end of XX/XX/XXXXthey sent me an E-communication that they needed more information without giving me any way of replying and I accidentally closed the dispute. I called XXXX to see if they could deal with the issue. They said that I should call Citi and have them change the dispute category to " Never received Item '' and reopen it however, after calling Citi 3 times, I only received a communication that I need to pay my balance or my credit would be affected. 

I even have proof that i pointed out to all the agents of Citi that i spoke with that my order had been cancelled by the person in question and they just said " we may need that later on ''
Consumer complaint received 2019-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (OH)

To whom it my concern, the purpose of this complaint is to inform National Enterprise System XXXX # XXXX XXXX ) of my NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written notice before LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Case from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
National Enterprise System is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore you have failed to provide any transfer title of ownership on the charged off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX, XXXX
Consumer complaint received 2019-08-17
Product: Vehicle loan or lease — Title loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Financial Services (IL)

While checking XXXX XXXX I noticed a new hard inquiry for a new line of credit that I did not authorize for the 3rd time this year. The first was on XX/XX/2019, the second on XX/XX/2019, and recently XX/XX/2019.
Consumer complaint received 2018-07-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  XXXX XXXX Equifax : XXXX. 
XXXX : XXXX XXXX /XXXX Equifax XXXX XXXX. XXXX  : XXXX XXXX  : XXXX .XXXX XXXX XXXX Equifax XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 XXXX
Consumer complaint received 2020-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

After a work related injury in XX/XX/XXXX, the medical provider billed my personal insurance for services in the amount of {$570.00}. I spent over one year trying to correct the mistake by providing my workers compensation information to the medical provider. My last contact with the medical provider was in XX/XX/XXXX at which time I was provided with a statement that the charges had been paid in full by my workers compensation insurance. 
Equifax still maintains this erroneous outstanding medical debt on my credit report. My efforts to file a dispute about this debt with Equifax have been met with messages that they can not verify my identity and/or record and therefore will not discuss my credit report. I have been unsuccessful in communicating with Equifax to delete this error and any other erroneous information they have on my credit report that prevents them from speaking with me. I have been unable to access my annual credit report from Equifax for years for these same reasons. 
Thank you for your time.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I have been calling and writing Experian since XX/XX/XXXX. I have requested a comment stating Account disputed by XXXX XXXX meets the FCRA. First I never ever disputed this account. Everytime I call about the removal of this comment they open a dispute. I have not requested a dispute on my credit report at all. These last XXXX weeks I have called every day. And each time I am told that it will be removed and then they send a copy of the report through email. And each time I review the emails I still see the statement under comments just above XXXX  XXXX. Each time they open a dispute it hurts me and is pushing my closing date back. XXXX XXXX, is not disputed nor have I ever disputed it. Then they opened a dispute on XXXX XXXX. I never disputed it either. They also created a dispute concerning my name which has been the same since XXXX XXXX. Not changed! I have been lied to daily several times a day. The dispute department never acknowledge they made a mistake but one rep blamed the previous one and assure it would be removed. But it does not.Even with a witness to all these statements. I have been lied to I have hung up on, I have been told there is not a supervisor in the dispute department. I haven told there is no legal department. I have been stressed out and XXXX because of this. I am trying to close before I have XXXX. And I have been fighting with Experian to remove this comment for several months. Every time I call them they open a dispute instead of requesting the removal.