davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

We have been trying to resolve a mess this mortgage company created. We sold the house in question and it closed XX/XX/XXXX, the mortgage company for some reason sent incorrect figures to the closing agent on a pay off statement, the money was wired to them for the full amount on the pay off statement. They are now demanding more money and neither ourselves or the closing agents were notified of this until I got a delinquency letter in the mail. We have tried to fix this, and they now say we owe XXXX in escrow fees, as well as an additional XXXX in penalties and interest from XX/XX/XXXX to now, XXXX dollars in penalties and interest seems very excessive. I have tried to reach the supervisor they tell me I need to speak to and she is never available and will not return calls. We are about to seek legal action since we can not get resolution from them
Consumer complaint received 2020-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In or about XX/XX/2020, I disputed XXXXXXXX XXXX XXXXXXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXXXXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

{$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.
Consumer complaint received 2021-06-30
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. (IL)

I have been sending in numerous complaints because the credit bureaus are violating our rights as consumers. They are damaging our credit by updating things and doing what they want to do. There are numerous student loans on my report with inaccurate information. I sent in a letter, which I will attach, advising them of this and asked them to deleted the incorrect information. Instead, they responded they updated the account and the information is still totally wrong. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they are suppose delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). This is a total violation of the FCRA and I am reporting this to the States Attorney office as well.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I instituted an unauthorized wire transfer dispute with Citibank on XX/XX/22 when funds from my checking and savings account for checking {$6900.00} and savings {$20000.00} were wired from my account without my authorization. I received a credit refund for my full checking amount and denied the savings amount see letters from Citibank included in attachments. The synopsis attachment has more information. My issue is Citibank honored my checking unauthorized transfer and denied my savings.
Consumer complaint received 2024-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC (FL)

XX/XX/XXXX company was contacted for payoff XX/XX/XXXX company was paid off XX/XX/XXXX balance due and owing company refuses to accept payoff and will not provide full accounting of loan, insisting upon fees, interest payments or otherwise fees and will not accept payment issued by our bank in full. 

Predatory, fraudulent, unjust fees or interest that is propounded on a debt that has been paid in full
Consumer complaint received 2019-08-27
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. (NH)

Dear sirs I am writing this letter to explain why late payments were made to ( XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX and XX/XX/XXXX XXXX XXXX ) from ( XX/XX/XXXX and XXXX, XX/XX/XXXX ). 
Meeting my financial obligations is very important to me, and I regret that this negative situation ever occurred. 

When I was an XXXX  XXXX in ( XX/XX/XXXX-XX/XX/XXXX ) I was working for a XXXX XXXX   with a minimum wage, and my family from XXXX XXXX were helping me financially. In XXXX, XXXX went into a war with the XXXX XXXX ( XXXX ) the country went into financial Crises. During this time, my family 's finances were strained they couldnt help me anymore, I lost my scholarship and my Minimum wage income was enough to pay for my rent and daily expenses. Even though I tried very hard not to miss any payments but it was hard. 

I am thankful to report that I after my graduation I have been working at a new position for over a year now. I have paid off all of the past-due account, and I have been on time with all my payments. 

I would like to Dispute those late payments, with the explanation of the humanitarian situation I was in out of my control. 

Thank you for considering our dispute. As you examine my finances, I'm sure you will see that I am very capable of making future payments on schedule. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-04-30
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. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-30
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. (MI)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  {$550.00} XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It Also states a consumer reporting agency Can not furnish account without my written Instructions.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have tried years to fix loans being incorrect or delinquent. They closed the loan and keep bringing it back. Every XXXX months. That is not fair. I want the information correct and my name and address
Consumer complaint received 2020-07-11
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: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

Loan XXXX for Webster Bank. We switched banks from XXXX  XXXX XXXX ( XXXX ) to XXXX and our autopayment was not processed by XXXX before the account was closed, despite being scheduled. The Bank Offices was CLOSED DUE TO COVID and appointment only and waiting list was 3 weeks. We scheduled asap as we could not see our account online. I have set up electronic notifications with WEBSTER and they are claiming the MAILED the late notice to my address. Not only did i not receive it via mail but they did NOT email it per my set up on their system. Now they are reporting 30 day past due on our account, reducing our score by 100 points. We called and explained this was a COVID related issue and have not been late in over 14 years and they REFUSE to assist. Ridiculous in this environment to ruin someone's credit due to COVID issues. ATTACHED MY ACCOUNT DETAILS THAT CLEARLY SHOWS EDELIVERY AND THEY SAID THEY MAILED THIS DURING COVID WHEN MAIL IS DELAYED. NOT FIRST TIME THEY CLAIM THEY MAILED NOTICE AND DID NOT RECIEVE.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have fraud in banck of america some body was using my cars and withdraw money out of my acount they are telling me it takes 10 to solve the problem but i dont have dos 10 days because my client can saw me for not making there order on time and the money that was withdraw are from my clients ... and we are talking abot almost {$5000.00} dolars ... i nee help
Consumer complaint received 2024-05-21
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX issued me a Bank of America prepaid visa card in the amount of {$450.00} in XX/XX/XXXX. The prepaid card says it is valid through XX/XX/XXXX. I called Bank of America twice in XX/XX/XXXX who say that they have retained the unspent balance of {$450.00} and will not release it to me.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

In the middle of XXXX I was in the process of fixing and paying Carrington Mortgage Services for a XXXX  Forbearance plan. Rather than choose to refinance my mortgage ( at unfavorable terms ), I decided to make lump sum payments to correct any missed payment or anything owed due to the forbearance. 

I applied an extra lump sum payment in the amount of {$3400.00} ( XXXX times my mortgage payment ) on XX/XX/XXXX. This was automatically sent by my bank in error as I had not turned off the auto bill payer. I immediately called Carrington to attempt to get the payment reversed. They informed that this was not possible and that they would just pay my mortgage for XXXX, XXXX, XXXX with that lump sum. To me, that left a difference of {$680.00} that I would need to pay in XXXX to cover my mortgage payment. I structured that payment with my bank and had it paid automatically on XX/XX/XXXX. 

XXXX Mortgage decided to disperse these funds in an entirely different manner, paying a principal curtailment payment once on XXXX and then again on XX/XX/XXXX. These actions led to a missed payment in XX/XX/XXXX because they had used my funds in a different manner than discussed. I specifically asked the Carrington rep if any additional steps needed to be taken on my end to ensure the {$3400.00} would be distributed properly - I was told that I did not need to take any action. 

On XX/XX/XXXX I received a late notice from Carrington Mortgage that my XXXX payment had not been made despite my bank sending the finds on XX/XX/XXXX. Carrington applied that XX/XX/XXXX payment to XXXX, in error, and then also applied a {$510.00} curtailment payment. 

I spent XXXX hours on the phone on XX/XX/XXXX with some helpful reps that tried to make sense of these mistakes. In the end, I had to pay {$450.00} to bring my mortgage current and Carrington submitted a request that the curtailments be applied to XX/XX/XXXX payment in the amount of {$1000.00} thus leaving me with the {$450.00} payment.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I would like for these incorrect accounts to be removed from my account as soon as possible. The credit bureaus are violating my penal code rights : 1.15 USC 1692 ( g ) 2.15 USC 1692 ( c ) 3.15 USC 1692 ( j ) 4.15 USC 1681a ( 2 ) ( b )
Consumer complaint received 2023-04-07
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: CrossCountry Mortgage LLC (IL)

THE FOLLOWING INQUIRIES WAS NOT AUTHORIZED BY ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (AR)

In accordance with the fair credit reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681 accounts XXXX & XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus, nor have I received any documentation to verify that the information is mine and is correct, which is required under law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failing to do so, will result in legal action being taken against you.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LTD Financial Services, L.P. (GA)

I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX, XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX, XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (FL)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to express my concern regarding an unresolved issue with my credit report. 

Previously, I had filed a complaint about an unexpected and unjustified drop of XXXX XXXX  in my credit score. Despite my efforts to rectify this situation and the assurance from the concerned company that they were addressing the issue, the problem remains unresolved. 

The company 's response was to send me a copy of my XXXX credit report to my current address. However, this action does not address the core issue at hand, which is the unexplained and significant drop in my credit score. I believe there must be an error or misunderstanding that has led to this situation. 

I am deeply concerned about the potential impact this could have on my future financial endeavors. I am confident and determined to rectify this situation, as I believe in the importance of maintaining a healthy and accurate credit report. 

I kindly request your assistance in investigating this matter further. I am hopeful that with your intervention, the concerned company will take the necessary steps to ensure the accuracy and integrity of my credit report. 

Thank you for your attention to this matter. I understand that the process of resolving such issues can be complex and time-consuming, but I am committed to seeing it through to ensure that my credit history accurately reflects my financial behavior. 

I am hopeful that your intervention will prompt a thorough investigation into the cause of this sudden drop in my credit score. I believe that everyone deserves a fair and accurate representation of their credit history, and I trust that the CFPB shares this belief. 

I look forward to your prompt response and assistance in this matter. I am confident that with your help, we can rectify this situation and restore the accuracy of my credit report. 

Thank you once again for your time and consideration. I appreciate your dedication to protecting consumers ' rights and ensuring the integrity of our financial system. 

Best Regards
Consumer complaint received 2023-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In ACCORDANCE with the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

The account below is in violation! 

CAPITAL ONE BANK USA NA XXXX Date opened XX/XX/2021 This one is unauthorized user! 


XXXX XXXX XXXX XXXX Date opened XX/XX/202XXXX XXXX
Consumer complaint received 2020-10-18
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: EQUIFAX, INC. (NC)

**THIS ACCOUNT WAS NOT REMOVED FROM MY REPORT ALTHOUGH I HAVE A RECORDING FROM COLLECTION COMPANY THAT THE ACCOUNT NUMBER IN XXXX IS NOT AN ACCOUNT ASSOCIATED WITH ME. 

Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX California XXXX ( account # XXXX ). Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX a subsidiary of XXXX XXXX called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc (LA)

Transfinancial companies has wrongfully placed multiple debts on my credit. They have listed wrong dates as well as debt amounts on my credit. They have also taken some of the debts and put them on my account multiple times. I have tried many times to reach out to them and dispute these debts and each time they have failed to correct the issue.