davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

Company 's response to initial complain was not factual, re-submitting Complaint # XXXX Dovenmuehle response was filled with untrue statements, I reached out to this company XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. Made several calls, all my concerns fell on deaf ears. i reached out to Consumer Financial Protection Bureau for help resolve. 

Yes, I understand the information provided by Dovenmuehle, is not factual and my concern has not been addressed. I never received a call a letter and I certainly have not received a check from Dovenmuehle as stated in their letter.

The {$2100.00}, Dovenmuehle mentions in the letter is the amount  my Mortgage would be if I opted to pay the overage of {$280.00}, over 12 months. if I opted to pay the {$280.00}, in full my payment monthly payment would be {$2100.00}. I paid double the amount requested, and asked for a re-calculation of my monthly payment.
Consumer complaint received 2024-11-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (TN)

We have a mortgage loan through Newrez and they did not pay our insurance through our escrow. They caused our insurance to cancel. We contacted the insurance company and they fixed it and made it where we didn't have a laps in coverage. Newrez is forcing us to pay {$210.00} for their insurance. We had coverage until XX/XX/year>, but Newrez is saying we didn't. I have all the proof and even sent them the proof from the insurance. They have stated there's no proof of coverage and are still trying to force us to XXXX it. It was only {$60.00}, but now it's went up to {$210.00} in a month. Now, we got a statement showing they have bot paid our taxes. The taxes were suppose to be on XX/XX/year>. Here it is XXXX and they have not paid the taxes yet.
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MA)

We purchased a XXXX XXXX in the summer of XXXX. The car was totaled on XX/XX/XXXX. At that time, we owed {$1500.00} on the car. Our insurance company, XXXX XXXX XXXX, settled our claim for {$12000.00}. We were owed {$11000.00} after the car was paid in full. Our insurance company was going to send Kia just what they were owed and send us the check for the balance.

Unfortunately, Kia wanted XXXX XXXX to handle it differently. I am attaching a letter from Kia Motors Finance to XXXX XXXX, asking for the entire settlement, despite only being owed {$1500.00} on the car. 

XXXX XXXX sent the check for {$12000.00} to Kia Motors Finance. The check was received by Kia on XX/XX/XXXX and cashed on XX/XX/XXXX. I have attached a copy of the cashed check from my insurance company. We have called Kia Motors Finance on a minimum of 10 occasions. We have been told on 4 different occasions that the check for the balance of {$11000.00} will be sent to us in 7-10 business days. Each time 10 days has passed and we call again, we are told that there are no notes showing that  anyone processed the check. Many times when we call, we ask for supervisors until we've talked to every supervisor available. Every time, we are on the phone for a minimum of an hour. We are always told that all that they can do is " send an email to processing. '' We are told there is no phone number for processing and there is no one for us to call. We very much feel we are getting the run around. We are starting to fear that the company is filing for bankruptcy and we'll be out a significant amount of money. The behavior of many of the people we've spoken with has been very concerning. Some have acted helpful and they tell us what we want to hear and then nothing happens. When we call back, there are no notes that we've ever called. We have no idea where to turn and feel very much that Kia Motors Finance is holding our money hostage. This was never their money to begin with. We owed a very small amount, always paid our monthly payment on time and in excess. We deserve to be paid what we're owed. We had to take out a loan to purchase another car for which we are now paying interest.
Consumer complaint received 2023-09-14
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. (VA)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (MA)

I had previously filed a complaint with CFPB regarding Citibank 's failure to protect my personal private information. In its response to my CFPB complaint on XX/XX/XXXX which is attached Citibank informed me that my credit card balance information, my credit limit and my minimum payment due on the account will no longer be sent via unsecured email message. However, on XX/XX/XXXX, more than 12 months since the original response of Citibank, I received a statement notification, which is also attached, that included my personal private information. Another notification containing sensitive data was sent on XX/XX/XXXX, which is also attached.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (IL)

Ive tried to dispute this item and it came back that this is correct with is wrong information I have no knowledge of this account and I do not know who this account is in for me to be liable to pay for something that I have no knowledge of is wrong
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX XXXX   XXXX  XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX   XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  OF XXXX -- XX/XX/XXXX
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

After entering all my correct identifying information ( DOB, SS #, address, Experian PIN ), the Experian unfreeze credit files web-page refused to unfreeze my credit files. 
I tried calling XXXX different Experian customer service phone numbers, entered all the same information, and got the same refusal.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was trying to resolve all the errors on my credit report but the credit bureaus don't investigate about my case. I want to fix the inaccuracies because my credit score is getting lower.
Consumer complaint received 2020-10-20
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: I.C. System, Inc. (AR)

I've recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by I C System whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) I C Systems has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

-On XX/XX/2020 I applied for a mortgage and my credit report was legitimately accessed by the mortgage company -It was discovered that my credit was significantly impaired due to a fraudulent delinquent item on my credit report -The charge in question for {$1700.00} was fraudulent, details as follows : -XXXX XXXX, Account # XXXX, opened on XX/XX/2020 -Sent to collection XX/XX/2020, collection company : -XXXX XXXX XXXX, phone # XXXX XXXX XXXX XXXX XXXX repeatedly, they answered but hung-up each time upon transfer or otherwise -Called XXXX XXXX XXXX XXXX repeatedly and they XXXX XXXX XXXX XXXX XXXX occasion -Fraud report # filed under XXXX  : XXXX -Police report filed on XX/XX/2020 with our local police dept.
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VANDYK MORTGAGE CORPORATION (GA)

My wife and I bought a house in XX/XX/2023. At closing, we paid the amount for XXXX and XXXX. The loan was sold from the originator ( VanDyk Mortgage ) to a different servicer ( XXXX ) effective at the end of XX/XX/2023. I made all payments on the loan except for the XXXX XXXX payment that was owed to the originator rather than the servicer. I accept that I owe that amount, but simply missed it because they sent me the information about the new servicer before it was even time to make my payment to the originator. I made all subsequent payments to the new servicer on time. 

In XX/XX/2023, I received a mailed statement ( attached ) indicating I owed the originator XXXX months of back payments, totaling {$19000.00}. The same information was added to my credit report. 

I reported this mistake to the originator via email ( attached ), pointing out that while I did owe the amount for XXXX, I clearly did not owe anything for XXXX, XXXX, or XXXX, because they had sold the loan to another servicer. I asked them to correct the false statement and the false information filed to the credit bureau that reflected an overdue balance of four months, instead of just one.

The originator replied in an email ( attached ) and directly said that : 1. They knowingly mailed me a false statement : " Unfortunately, the system gets confused when there is a pending transfer that goes delinquent, and it keeps adding the late charges and monthly payments every month until we receive the final payment and inactivate the loan. '' This indicates to me that I am not the only person to run into this problem, and that they are aware of it and mail out incorrect statements routinely in the course of their business.

2. They would not send me a corrected statement with the right total, or fix the false amount reported on my credit report, until I made the back payment for the missing XXXX payment. 

While I accept that I owe them the XXXX payment, and am even happy to make it immediately, I am concerned about a few things : - other mortgage holders who face this same challenge with this company are receiving false statements that mislead them into making overly-large payments that may never be returned - the originator is not allowed to refuse to fix the incorrect portions of my statement and credit report until I make a payment
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have no knowledge of this account with XXXX XXXX XXXX in the amount of {$2200.00}. They also stated per my credit reports that it was originally over XXXX XXXX dollars and that I made a payment last year. I have never made any payments and was never notified of this debt before it showed up on my report. It is fraudulent and not my account. Upon further research it has been found that even if this was a valid debt which it's not it would have gone to XXXX not Jefferson Capital Systems when they closed in XX/XX/2019. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If Jefferson Capital Systems is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation. Absolutely no phone calls. If correspondence is initiated by JCS in any manner other than permitted I will cease all communication ( invoking my legal right to request JCS cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt. Thank you for your assistance.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA & # 39 ; sXXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to solve my credit problems with the credit bureaus, because they are reporting inaccurate information that is affecting my credit score. I have Inquiries that I didn't authorized, and negative accounts that should not be there.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX BK OF AMERICA -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX BK OF AMERICA -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX   XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX   XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX BK OF AMERICA -- XX/XX/XXXX
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or  deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

TransUnion said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

XXXX  never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc. (KY)

I HAVE ATTEMPTED TO REACH OUT SEVERAL TIMES TO THIS COMPANY AND I AM OVER IT! THIS ACCOUNT WAS OPENED UP FRAUDULENTLY!!! THIS IS NOT MY ACOUNT! FOR YEARS THIS ACCOUNT HAS EFFECTED ME AND MY FAMILIES LIFES! I HAVE BEGGED FOR YOU GUYS TO TAKE IT OFF. THIS IS NOT MY FAULT! THIS IS YOUR COMPANIES FAULT AND THE WAYS YOU USE TO VERIFY PEOPLE! I HAVE FILED IDENTITY THEFT REPORTS! I DONT KNOW WHAT ELSE TO DO! TAKE OFF THIS ACCOUNT!!!!!!!!!!
Consumer complaint received 2020-11-19
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXX S.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I was trying to resolve all the errors on my credit report but the credit bureaus don't investigate about my case. I want to fix the inaccuracies because my credit score is getting lower.