davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage Services LLC Loan No. # XXXX Phone No. # XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX was my first and only lender until XXXX XXXX XXXX bought XXXX XXXX XXXX on or about XX/XX/XXXX. <P/>After XXXX XXXX XXXX bought XXXX XXXX XXXX their sales personnel campaigned hard on me to refinance for a lower monthly payment on my mortgage. <P/>I, XXXX XXXX XXXX didnt know any better so my wife and I refinanced with XXXX XXXX XXXX. I believe we were tricked into refinancing. <P/>After 5 long years of giving XXXX XXXX XXXX all the documents they requested for working out a Short Sale the Short Sale personal finally agreed to allow me to do a Short Sale. <P/>XXXX XXXX XXXX agreed to a payoff of {$200000.00} in which they would be paid in full. <P/>On or aboutXX/XX/XXXXI called XXXX XXXX XXXX and customer service answered and informed me that they now longer service me and they sold my loan to Carrington Mortgage Services LLC.
<P/>I called the XXXX XXXX XXXX customer service department and asked the representative why XXXX XXXX XXXX sold my loan for pennies on the dollar to Carrington Mortgage Services LLC and take a loss when they were going to be paid in full? <P/>The XXXX XXXX XXXX customer service representative told me that they have the right to sell my loan to anyone and anytime they want to. <P/>On XX/XX/XXXX I submitted a complaint with the CFPB No. # XXXX against XXXX XXXX XXXX and asked very hard questions about producing documents. <P/>XXXX XXXX XXXX response was that they gave everything to Carrington Mortgage Services LLC and I would have to contact them for any requested documents. <P/>I dont believe Carrington Mortgage Services LLC can produce the XXXX XXXX XXXX to XXXX XXXX XXXX documents Because XXXX XXXX XXXX, in my opinion never had them. <P/>In my opinion its as though XXXX XXXX XXXX never had any documents to give and XXXX XXXX XXXX covered their tracks by getting me to refinance. <P/>The question below is a very important one and I believe that 's why XXXX XXXX XXXX sold my loan to Carrington Mortgage Services LLC.
Consumer complaint received 2017-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have specified multiple times to FedLoan Servicing how I would like payments applied to my student loan. I told them I would like and amount I pay, over the minimum monthly payment, to be applied to the principal of my loan with the highest interest rate. I have told them this through their online messaging system as well as through postal mail. I also specify this in the memo portion of the check I send to them. They have acknowledged receipt of these instructions and have told me they will apply my payments to the loans in the way I have instructed. Sometimes, they apply my payment correctly, other times they do n't. When they do n't, I have emailed them and messaged them asking them to correct the issue and ask if there is anything I can do differently to avoid the problem next time. They never respond to me or correct their error. I feel they are are either intentionally incorrectly applying my payments to nickel and dime me into paying more interest, or that they are unintentionally making the same error multiple times. Either way, when I contact them to inquire about the issue, they should respond and they should correct their mistake. I know for a fact that I am not the only one this is happening to, as I have multiple friends who have experienced the same thing. 

I believe they made this mistake on payments to my account credited XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2017-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

Below is a copy/paste of the email I sent to EQUIFAX Three days ago I tried to login to the system and was told my password was wrong. 
I requested a reset from your site twice and never got the email? 
I then emailed you for assistance and never got a reply. 

For two days your phone number XXXX was ringing busy. 
Today i got thru and sat on hold for a full hour with no answer. 

For three days now the website has been posting this error System Unavailable We are unable to process your request at this time. Please try again soon. 

XXXX XXXX XXXX
Consumer complaint received 2020-07-12
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. (NC)

I received a copy f my credit report where XXXX XXXX XXXX   continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from XXXX XXXX / XXXX XXXX XXXX for ID
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.
Consumer complaint received 2017-09-08
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. (MI)

Experian mishandled my information, which puts me and many others at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2023-06-19
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. (NC)

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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. 1681 s-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 2017-09-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I am the administrator of an Estate, and am trying to close out multiple accounts with Bank of America so that the funds can be transferred to the Estate. I first went into a local Bank of America and provided the bank with the necessary documents to close out the account on XX/XX/XXXX. We were told that we had to use the Bank 's letter of instruction to close out the account, which we first requested on XX/XX/XXXX. When it was not received, we requested it again on XX/XX/XXXX. When the form was finally received, we filled it out and promptly returned it. Additional documentation was requested by Bank of America, the last of which was provided by fax on XX/XX/XXXX. When we checked in, we were told that the information was uploaded on XX/XX/XXXX and appeared to be in process. When we called today, XX/XX/XXXX, we were informed that information that we have provided has still not been reviewed, and that even with an  escalation request, we can not expect any movement on the processing of the funds for another 5-7 days. It is now over nine weeks since we first requested that the funds be provided to the Estate, with no clear expectation of when we can expect that the money will be received. The Estate has bills that need to be paid, and can not do so because of the significant delay in the release of the funds to the Estate.
Consumer complaint received 2017-09-28
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. (CA)

Equifax is reporting an account with XXXX XXXX XXXX as a chargeoff/current debt when my debt balance is now XXXX with nothing owed. The balance is approximately {$6000.00}. Equifax is refusing to manually check the records of XXXX XXXX to confirm that the debt is at a XXXX balance. XXXX XXXX is lying about me having a debt owed with them and their internal records needs to be checked.
Consumer complaint received 2022-03-10
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)

XXXX XXXX, EQUIFAX, XXXX AND XXXX, are all guilty of willful intent to harm my credit file by not reporting the correct balance owed since XXXX when it was nearly $ 4k, however, since XXXX it was {$0.00} and yet my file was not updated after XXXX when it should have been regularly updated as is par the course with all of my accounts receiving regular monthly electronic updates. I made several attempts to correct the false information causing harm to my credit report directly with the concerned parties who all said I should wait and put the blame on the other entity, i.e. the creditor XXXX XXXX blamed the credit bureaus who blamed XXXX with each saying the other party has 30 - 60 days to update my file which could potentially result in my having to wait 60 - 120 days for my balance to be updated when such is supposed to be correctly reported every month! This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (AR)

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 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 have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.
Consumer complaint received 2017-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....
Consumer complaint received 2019-03-04
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: Experian Information Solutions Inc. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-28
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. (CA)

I have contacted Equifax 3 times via writing and certified mail about XXXX XXXX XXXX account being invalid. Equifax has refused to provide me with proof that this debt belongs to me which is a direct violation of the FCRA. The other 2 reporting agency have conducted accurate investigations and deleted the account from my credit file. Equifax continues report innacurately on my credit file.
Consumer complaint received 2018-06-04
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: HYUNDAI CAPITAL AMERICA (FL)

XXXX has missed report my payment history. They are reporting me as 30 days late on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I disputed, they realized I was correct and removed. Then they re-reported it. This has happened 3 times. I don't no if this a computer error or clerk error on their end. Its starting to effect my ability to borrower money. I have paid the account off and have a history of all my payments to show I have never been 30 days late. Please Help
Consumer complaint received 2021-02-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I was made aware limitations or put on my PayPal account due to my inability to verify my ID. I have been dealing with the company and send a copy of my XXXX state ID which was not acceptable therefore I obtained a birth certificate and a XXXX ID card. At the time of submitting the XXXX XXXX I was told it would be 72 hours to make account to be unlocked. Call the company after 72 hours and was then advise my account was going to be locked until XX/XX/XXXX due to the high amount of activity in the account. I was giving no further recourse to be able to access my funds and told there was nothing I could do so I came here late to try and further my actions in receiving my benefits. My sons come from the department XXXX XXXX XXXX for my compensation payment and it is XXXX a month and the amount sent out was for child support and other family needs.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This creditor XXXX XXXX XXXX XXXX XXXX has consistently changed the bankruptcy file date whenever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.
Consumer complaint received 2015-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

XX/XX/XXXX, XXXX XXXX and I ( XXXX XXXX ) were approved by Wells Fargo for a Deed in Lieu of Foreclosure. I received a letter stating that on XX/XX/XXXX, the process would be completed and the account would be closed. Wells Fargo continues to report to XXXX every month that we are missing a mortgage payment. XXXX correctly reports that the account has been closed. I have contacted Wells Fargo about this matter, but my complaint is never addressed or fixed by the representative I talk to.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX I noticed an unusual drop of about 50 points on equifax and XXXX. Today on XX/XX/2021 I noticed it dropped again. I believe these recurring errors are due to the algorithymns written with software bugs. When I take an unusually high balance out on my XXXX cards the sytem automatically drops my credit before the billing cycle is completed, instead of waiting to see what my payment is. I always XXXX  out the balances. 
My XXXX cards showed balances adding up to over XXXX but they were both XXXX  out before the scheduled payment date. I have not missed a single mortgage payment on my home that I own for over 4 years. My car lease is always paid on time.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called XXXX XXXX, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (KS)

In XXXX of XXXX, my bankruptcy was discharged with XXXX & XXXX having been notified by the courts. 
I have been in continual communication with XXXX & XXXX and was assured that I was not to make payments until notified by them. Every time I spoke with XXXX & XXXX I requested the mailing address be updated to the property address. The first request was in XX/XX/XXXX this was completed on XX/XX/XXXX. Correct address XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX. 
Since I was never notified the account had been moved from bankruptcy back to a regular account the payments were late. 
I was notified on XX/XX/XXXX, that a fraudulent XXXX & XXXX was put on the account in XXXX and that is why they were unable to call and follow up on the change in status. 
I have been in contact with XXXX & XXXX since XX/XX/XXXX to have my credit report updated and the late payments removed. 
On XX/XX/XXXX XXXX XXXX informed me the credit dispute had been closed without anyone contacting me to verify the information the customer service representative had entered was correct.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, all have 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 an account without my written instructions.