davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (VA)

In XX/XX/2020, I called Dovenmuehle to ask what programs the have available for COVID relief in the event that my tenants were unable to pay their mortgage. This is on a rental property. I simply called to inquire about my options. I did not request to be placed in forbearance and I did not agree to be placed in forbearance. I was however, placed in forbearance and my credit score has been significantly affected negatively. I am in the process of refinancing my primary homes mortgage and being told that my credit report is showing a " serious delinquincy ''. I have contacted the lender Dovenmuehle with minimal response other than saying they have removed me from the program, which I should have never been placed into because the account was always up to date and there were no late payments.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

American Pacific Mortgage, ( APM ), is making a Demand for {$13000.00} in Insurance Premium. 

APM is stating on XX/XX/XXXX that the Property Owner 's Casualty Insurance underwritten by XXXX XXXX underwriter XXXX XXXX in California is " Canceled. '' APM asserts that it called the Insurer XXXX by telephone and has documentation from said insurer that the casualty insurance policy is canceled. APM refuses to share this documentation. 

XXXX XXXX has provided documentation on XX/XX/XXXX that all Casualty Insurance was paid in XX/XX/XXXX and is in full force through XX/XX/XXXX or paid in full for the entire contract year. 

We have all documentation showing that Casualty Insurance is paid for the entire Annual Premium into XX/XX/XXXX, that no lapse in insurance coverage has ever occurred, that APM assertions are erroneous due to either their inattention, inadvertence, neglect or willful negligence and fraudulent conduct. 

APM actions violate Federal and State laws, may constitute consumer fraud against the insured and attempt to EXTORT premium inappropriately from a Senior Citizen and USA Veteran of XXXX XXXX. This is easily elder abuse and consumer fraud. 

This conduct on the part of APM, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, is exactly the same conduct that the separate XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX in Minnesota and its XXXX XXXX, Iowa customer service department engaged in around Year XXXX. 

These Federal Mortgage Lenders are engaging in EXTORTION of Egregious Insurance Premiums from consumers who have already paid for their own Casualty Insurance. 

We understand that the current Federal Administration has fined XXXX XXXX XXXX in the amount of {$8.00} XXXX dollars in around XXXX for similar actions. 

We were attacked on 2 properties in XXXX with excessive Insurance Premium Demands, which is extortion. 

In one case at XXXX XXXX XXXX, XXXX, CA XXXX, the payments were prepaid by over {$15000.00}, while XXXX XXXX demanded another additional {$13000.00}. Noone in the Obama Administration, nor California government, did anything to stop the criminal fraud and wrongdoing that occurred from XXXX forward. We still seek redress for the theft of our XXXX, CA homestead where over {$400000.00} of 30 years of hard-earned equity was outright stolen from us, with foreign nationals now living in our custom built homestead. 

This fraudulent pattern can not repeat. What APM is doing to XXXX XXXX, USA Citizen and USA Veteran, is exactly what happened in XXXX : A Demand for Over-payment of Insurance Premium with an egregious Demand amount. 

Thank you for any assistance. 

Very Sincerely, XXXX XXXX, Owner, Trustor and Insured. 
XXXX XXXX XXXX, XXXX and P.O.A. for The XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-04
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: Nelnet, Inc. (GA)

Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 


A debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay an alleged debt is extortion. Collection of extensions is a violation of 18USC894 and carries a criminal liability up to 20 years.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

A debt collector thats furnishing a collection to my consumer report is in violation of 15 USC1692d ( 4 ) which is engaging in unlawful extortionate activities. 


Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies again are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 


Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 


Please understand debt collector has no lawful standing according to 15 U.S. Code16921 ( b ) Please understand this is also aggravated identity theft 18 USC 1028A.

Lastly, 15 USC 1692c ( a ) states debt collectors shouldnt be contacting me if I didnt give prior consent.

Im requesting to have this alleged trade line debt to be removed effective immediately from all CRAs
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX This inaccurate account is reporting as opened on my credit report when in fact it is closed. 

Please remove inaccuracy this account from my credit report or I will file for litigation.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently contacted Capital One Credit Card to have them remove all the VERBIAGE posted in the comments section permanently from my Capital One Credit Card file. I spoke with their credit services department related that the don't have a credit bureau department to remove the dispute comments. So, I then contacted all three credit bureaus who immediately deleted all verbiage in the comment sections. Within a few days I received credit alerts from XXXX XXXX XXXX stating that the comments were added back to my Capital One Credit Card File.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed.

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such.

Thank you for your consideration
Consumer complaint received 2021-05-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-27
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)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MD)

I received a cancelation notice from my mortgage insurance, XXXX XXXX. I contacted them on XX/XX/21 and inquired the reason for the cancelation. They advised me ; they had not received payment from my mortgage company after sending several invoices. 
I contacted Loan Depot immediately with XXXX XXXX on 3-way to come to a resolution. After I explained that my mortgage policy was scheduled to be canceled on XX/XX/21, they claimed they never received any bills. They also claim they dont have an address for invoices and the mortgage insurance company would have to upload bills to a portal to be paid. The XXXX XXXX representative on three way said they never head of that, and I was surprise myself that a mortgage company of that size would only accept bills in that manner. Needless to say, the Loan Depot Representative said she would have a supervisor expedite a payment to XXXX XXXX and call me back to confirm ; supervisor never called me back. 
I followed up with Loan Depot on XX/XX/21 to confirm if the payment was handled. I found out from the first Loan Depot Representative that it was not sent. I requested to speak to a supervisor and after an hour of waiting and speaking to 3 other non-supervisors, I was then told one was not available and one would call me back. 
Ive spent countless hours on the phone with Loan Depot over the course of 2 days, with no resolution. The only thing I want is Loan Depot to pay my Mortgage company, XXXX XXXX bill.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX ( XXXXXXXX XXXX ) closed and sold my account while reporting the account as charged off to all major Credit Reporting Bureaus. The name on the account is in the name of XXXX XXXX, the total amount that was sold to a collection agency ( which I did not contract with ) XXXX XXXX XXXX  and their reporting it as well. This is a direct violation of my consumers right under title 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Request to remove the fraudulent information was returned with an answer that it was verified to be correct. XXXX sent a affidavit clearly that the account was closed and SOLD to XXXX XXXX XXXX while still sending charged off account to all major credit bureaus. I have sent XXXX XXXX a request to show where they have authorization to report on the credit for XXXX XXXX along with information that XXXX XXXX agreed to be in a binding contract with XXXX XXXX.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Frontline Asset Strategies, LLC (GA)

XXXX ( XXXX XXXX ) closed and sold my account while reporting the account as charged off to all major Credit Reporting Bureaus. The name on the account is in the name of XXXX XXXX, the total amount that was sold to a collection agency ( which I did not contract with ) Frontline Asset Strategies and their reporting it as well. This is a direct violation of my consumers right under title 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Request to remove the fraudulent information was returned with an answer that it was verified to be correct. XXXX sent a affidavit clearly that the account was closed and SOLD to Frontline Asset Strategies while still sending charged off account to all major credit bureaus. I have sent Frontline Asset a request to show where they have authorization to report on the credit for XXXX XXXX along with information that XXXX XXXX agreed to be in a binding contract with Frontline Asset.
Consumer complaint received 2021-04-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (CA)

In XX/XX/2021, Mariner Finance ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX ) mailed an unsolicited loan offer in my name to my address in the form of a check. All that was needed to open the loan was to sign the back of the check, include phone numbers and an email address, and cash or deposit the check. I do not know how Mariner Finance had enough information about me to make this possible. I had never interacted with this bank prior to this happening. 

Someone intercepted the letter in some way, it is unknown. They took the check, forged my signature ( not even close to my actual signature ), wrote a fake email address, and used phone numbers that were associated to me by an internet search. Two of the three numbers associated with me haven't been my phone number in over 10 years. The other was my current cell number. 

On XX/XX/2021, I received a phone call on my cell from XXXX XXXX, the XXXX XXXX branch manager, welcoming me to my new loan. I informed him that I had no idea what he was talking about and had not opened a loan with anyone. He provided me with a photocopy of the back of the check where someone had signed my name. I informed him that this was not me, asked him how they had my information and why they made it so easy for someone to open a loan in my name. He said it is up to the bank that cashes the check to get proof of identification. 

He told me if it was not me, I would need to file a police report and provide Mariner with the police report number and they would take it from there. I wanted to know the name of the bank that cashed the check so I could find out what steps they had taken to check ID. He said they could not provide that information without a police report. 

The same day, I filed a police report, providing them with all the documentation, including a print out of the forged signature and fake contact info, along with my identification with my real signature. I contacted Mariner finance the next day with my police report number as requested and waited. 

Two months went by with no action and no replies to my numerous phone calls for updates. I finally reached Mr. XXXX and he stated that Mariner Finance was now requiring me to get a physical copy of the police report and a signed affidavit from the bank that cashed the check, the one they would not disclose to me. 

I filed a report with the Better Business Bureau, and within a week, Mariner Finance contacted me to assist me with closing the account. 

I am working with Mariner Finance to get the account closed and removed as a liability, but I need help removing it from the credit reporting agencies.
Consumer complaint received 2021-04-20
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: SYNCHRONY FINANCIAL (LA)

Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.
Consumer complaint received 2021-04-20
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. (AZ)

There is one student loan that does not belong to me but is on my credit report I need this removed from my credit report since it does not belong to me. I have opened an FTC tried reaching out to the bureaus as well as the furnishers but they are not being helpful I need assistance please. 

XXXX XXXX - Acct # XXXXAmt {$140000.00}
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

i have been trying to get 3 my credit reports and i keep no result from all 3 credit bureau. i was denied on XXXX XXXX XXXX because the bureaus arnt allowing it
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I had my car broken into in my wallet stolen on Thursday, XX/XX/2022. There was {$210.00} taken out of my account using my stolen debit card. I called to report this to Chime, the bank, Immediately upon finding out. They advised I had to wait until the charge posts to the account. I waited until this happened and started a fraud dispute on Saturday, XX/XX/2022. I woke up Monday morning to see that my dispute was almost immediately closed and there was no attempt at contact or correspondence sent to me by chime. I called them immediately and they refuse to tell me why my case is closed, they hung up on me 3 separate times, and they refused to let me speak with the investigation team. I have attempted to reopen my case several times and immediately receive emails stating there is no evidence or cause to reopen. But then they wont advise what evidence is needed. Chime bank has not provided me any recourse to take not any explanation for their decision
Consumer complaint received 2021-04-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}, {$1600.00}, {$95.00}, {$2400.00}, {$510.00}, {$760.00}, {$730.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

3. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$95.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$730.00} -This is not my account.
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. (NC)

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent onXX/XX/XXXX) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration