davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Mortgage — VA mortgage
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: CARRINGTON MORTGAGE SERVICES, LLC (RI)

In XXXX of 2021 the mortgage that we hold was bought out by Carrington LLC. 
When they bought the loan, they bought it just as the payment was due from our former carrier and as a result we needed to make two mortgage payments- one for XXXX and one for XXXX. One XX/XX/XXXX I made a payment for XXXX which covered XXXX and XXXX mortgage. It was not late as they were in the process of changing companies. 

The payment was split into two. XXXX went to the principal which it was NOT supposed to do. I spoke with their customer service department in XXXX and in XXXX and was told this was fixed. Turns out not only was it not fixed but now we are behind 40 days and it hit our credtit I Spoke with customer service again in XXXX and XXXX and they told me not to make a payment in XXXX as it would resolve this issue. They payment still came out of my account and it bounced twice. Now I have late fees and can not make a payment due to the bounce status of the old check. 

I am working to resolve this however, I can not make a payment unless I use certified funds and the company is telling me that if I don't fix this now, I will have another hit to my credit report.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

Dovenmuehle mortgage paid my XXXX Property tax after I paid it. This has always been non escrow account. They mailed check on XX/XX/XXXX without notifying me they were doing this. 
They have been playing me along trying to get their refund back from XXXX Tax dept. each time I call with exact procedure for their refund they say they spoke to someone at XXXX tax & their refund would be 2 weeks. It is now almost a month no refund because they did not follow the procedure & not speaking to the person in charge. They want me to a ) pay them the thousands $ $ & they will eventually refund me when they receive their $ or b ) pay my mortgage plus over {$2000.00} each month to pay them back. 
Help. Never missed a payment in 21 yrs.
Consumer complaint received 2021-05-25
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. (IL)

This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2020-08-27
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY PURSE WAS STOLEN AND MY ID WAS STOLEN AS WELL. I AM STILL BEING VICTIMIZED BECUASE THESE ITEMS ARE BEING REPORTED ON MY CREDIT REPORT. I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE NOT BEEN REMOVED.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This is the third time I am sending a complaint about phone calls I have been receiving for almost 2 years. It is from an organization that will not tell me their name, but tell me I have a debt with HSBC dating back to 2008. 

I have received letters from HSBC stating this debt to be false, yet they still are calling. At XXXX XXXX  EST today, someone called me from the number of XXXX XXXX XXXX attempting to collect this debt again. When I told them to take me off their list, the person on the other end said, " I can't ''. When I proceeded to tell them about the documentation I have proving them wrong, they hung up. I called back and they wouldn't pick up. I am tired of these phone calls. I want them to stop. I have been sending these messages to the XXXX and it still does not help. I want them to be over with. Please stop them from calling. I am a man who suffers from XXXX XXXX and the stress these phone calls cause affect me greatly.
Consumer complaint received 2021-05-25
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. (FL)

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 2021-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (NC)

I recently reviewed my credit file and noticed that a debt collector that goes by the name " Plaza Service '' was reporting a debt for a lending company by the name of " lendmark Financial ''. I was a victim of identity theft and this account was opened up fraudulently and was resolved with the original creditor. However, Plaza Service continued to harass me about the debt. The debt was reported by Plaza service to my credit file on XX/XX/2021.
Consumer complaint received 2020-09-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX   with proof of payment and mailing on XX/XX/XXXX. This debt is reported by XXXX  # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call XXXX using the number that TransUnion Credit Services provided with no success. I called and complained to TransUnion with no success. I finally wrote to XXXX on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. TransUnion continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with all those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a
payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEPT ED XXXX {$300.00} DPT ED/XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$80.00} XXXX XXXX {$7300.00} XXXX XXXX {$5900.00} DPT ED/XXXX XXXX {$6800.00} DPT ED/XXXX XXXX {$22000.00} DPT ED/XXXX XXXX {$18000.00}
Consumer complaint received 2021-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (TX)

RMP Services LLC is reporting on my XXXX credit report that I owe them {$1000.00}, this was paid by another collection agency out of XXXX, Nebraska through XXXX XXXX XXXX over a year ago. I settled the account and amount with them and now this new collection agency is stating I owe them the whole amount of {$1000.00} and threatened to take me to court and get an attorney. I know medical bills are not by law suppose to be reported on your credit reports anymore. I did have XXXX and now in XXXX and have paid all my medicals off so I was very upset when I saw this on my credit report especially when they sent no letter to my previous address or the new one. I sent them two letters to request documentation asking for what this was for and date of service and all I got back was this generic letter. The letter I received back was ridiculous as I gave them all the information they are asking for in my original two letters. I have now sent a 3rd notice requesting the information again. I want this deleted off my credit report, its illegal as the federal trade commission law that passed in XX/XX/2020 so they are in violation of this Act. 

Thank you so much for helping resolve this matter, I am trying to purchase a home for my family and this is hindering me from doing this.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I tried refinancing an existing mortgage to lower my monthly payment with Quicken Loan. It was scheduled to close within 90 days which was XX/XX/2021. I submitted all documents on a timely basis. I received a call on XX/XX/2021 informing me that my application was denied due to a change in a new law that affects investment properties. 
As a result, my application was being denied. 
On XX/XX/2021 I received a letter by email from XXXX XXXX XXXX, Mortgage Banker that my application was denied due to failure to provide outstanding documents. My lock-in rate is lost and now I am left to start this process all over with a different lender.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have used a Capital One for Business card for many years, always paying off the monthly balance, averaging {$10000.00}, on time. 
In the past 2 years there have been multiple instances of fraudulent activity, often caught while charges were still pending, even tho my card was never out of my possession. Capital One has always replaced my card. 
The most recent replacement card was sent to me early XXXX. I activated it. When I needed to use it for a purchase XX/XX/XXXX it was declined. I logged in and couldnt access my account information. Weird. 
I called Capital One and was informed my account had been charged off. 
Why? And why wasnt I notified? Eventually I was told it was because I was deemed high risk because fraud had occurred 5 times. OK. I can accept being dropped for being the victim. But I was never notified. Shutting down my card also left me without cell phone activation. And to take away my online access to my account also made it so I couldnt see my statement, pay my bill, and use my reward points. 
Capital One cut me off without notification. This put me at risk. I feel it is an outrageous way to treat a solid customer. I was informed in XXXX my SS # and other personal information was stolen in a security breach at Capital One. Great.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Social Security Administration Office had already removed from XXXX & XXXX Partial Account Number : XXXX Date Opened XX/XX/XXXX {$45000.00}. This reappeared on Experian on XX/XX/XXXX which is severely impacting my personal FICO Score and prohibiting me from obtaining necessary accounts needed to conduct business. Please instruct Experian-XXXX to Immediately remove thus said account.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALAMEDA MORTGAGE CORPORATION (NV)

I went through Alameda Mortgage Corporation to finance the purchase of my home. The original closing occurred in XX/XX/2019. Soon after closing, I was contacted by Alameda Mortgage Corporation that they needed to quickly refinance due to a glitch in their system in order to make it possible to sell the mortgage to a bigger bank. The refinance closed in XX/XX/2019 and my mortgage is now with XXXX XXXX. The original mortgage that closed in XX/XX/2019 was never released when the refinance closed in XX/XX/2019. I currently show two mortgages for the same parcel filed in the county I reside. I am currently in the process of negotiating a HELOC through another financial institution and in order to close, they need to have the release/reconveyance of the XX/XX/2019 mortgage from Alameda Mortgage Corporation. I have been contacting them on a daily basis for the past 3 weeks, the loan processor from the financial institution has also been trying to work with them on having this document filed. The law within the state I reside says that in the event of a refinance or when the grantee has satisfied the mortgage, the grantor is required to file a release of the lien within 21 days. This indicates that Alameda Mortgage Corporation should have filed the XX/XX/2019 release in XX/XX/2019. I was just notified today by Alameda Mortgage Corporation Chief Compliance Officer that the document will be finally be recorded today - 1 year and 2 months after it should have been, and I still have not received the actual document.
Consumer complaint received 2020-08-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

XXXX complaint # XXXX. 

This is unacceptable!! That's the same story we've heard for years ; then they never respond formally. They leave harsh, demanding words in my voicemail.. And they threaten to take XXXX to court if he doesn't pay as soon as possible, and they've been threatening for many years! We need to have this resolved because it's preventing us from purchasing a home. They have all the proof they need ; I guess if you as a government agency, that works for the people instead of the collection agencies, are giving them 60 days we have no choice to take them to court. We don't have money to pay any court costs but we're gon na have to scrape up from somewhere. I beg you to please don't give them anymore time they'v had plenty of time to make some calls, and by the way this is the third time we've sent these documents throughout the years.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CT)

I have paid Experian for their three bureau monitoring service. 

Since XXXX of 2020 Experian has not provided three bureau updates. I called in XXXX, I called today and a refund was denied. They could not update the reports manually and refused the refund back to XXXX. They keep billing me but do not provide the reports as advertised.
Consumer complaint received 2020-09-03
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I asked Experian to investigate the payment history on the Us Department of Education Loans that are showing up on my credit report, I have been making on time payments on the student loan accounts since XX/XX/XXXX, I was enrolled in the student loan rehabilitation program. I made 9 consecutive payments to get out of default. The loans have since been transferred & bought by XXXX  XXXX, therefore they are not 180 days late as of XXXX. Please correct this. None of those payments are showing on my Experian report. In fact when they updated the report The student loans show that i'm 180 days late as of XX/XX/XXXX which is false and 100 % inaccurate and has caused my scores to drop 87 points which has hindered me from obtaining new credit. Please investigate and correct this. Also Experian needs to provide evidence of a true investigation and I need to know what information was used to obtain the information collected during their supposed investigation to come to their conclusion.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have two disputes with USAA 1 ) I was charged the wrong amount w/ USAA Case Number XXXX. 2 ) I was charged twice for USAA Case Number XXXX I have tried to dispute these with USAA but USAA is being negligent and not working with me. They have not called me about these cases or communicated with me in anyway, but continue to deny the claim. When I called to check the status of these claims, they advised me they were closed because no documentation. If I can not get the merchant to give me a receipt, I don't have one, and USAA can't provide one, how can they possibly continue to charge me? USAA Has made no efforts in working with ME to resolve these claims.
Consumer complaint received 2020-09-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITYWORTH MORTGAGE LLC (GA)

Dear To Whom It May Concern, I am sending this letter to inform you that I have been in a hotel with my family of XXXX for two month. 
( Because my lease was up )! and on XXXX XXXX I was set up for closing with a closing attorney in XXXX, Ga which I to send them my 3.5 percent on XX/XX/XXXX. But on closing date the attorney office never received the final paperwork. So my load offcer stated that we was still in underwriting. 2 weeks pass then on XXXX XXXX i received a letter from XXXX XXXX  services stating that my loan was approve and i also received my three day disclosure and I was supposed be closing in XXXX XXXX. One XXXX XXXX. I received a call from my loan officer stated that a XXXX in underwriting won't let us closing because of a collection back in XXXX which I paid to comply with underwriting. Then on XX/XX/XXXX XXXX in underwriting cleared that debt issue now underwrite is hold on closing because tax issue which we took care of the tax issue. Them a weeks went by on XX/XX/XXXX, I received a call from my loan officer stated that now there is. Issue with my down payment to prevent us from closing. XXXX stated the cash of {$4700.00} cant be a source of down pay with out a paper trail. Which I wrote a letter of explanation on where and when and why with documents for a paper trail for {$4700.00}. So now my family are just living in this hotel until we get and answer from XXXX the senior underwrite who handle my file ... 
This problem specifically concerns the below premises : Purchase Home XXXX XXXX XXXX XXXX, Georgia XXXX Please do whatever is necessary to address this problem as soon as possible. 
You may contact me at the above address if you have any questions.You may also contact me using by email. 

So I file complaint with the XXXX  for XXXX XXXX  XXXX. On XX/XX/XXXX. I received a letter response to my complaint. And the stated that my loan officer XXXX XXXX @ city worth fail to Comply XXXX conditions of the loan and he never rely to few email. They also stated that XXXX XXXX the loan officer stated that I was interested in the load any more. Which i never stated th as at all. I also ask to sign a termination agreement to give my earnest money to the seller.. which I didnt sign. So the seller sold the house.. and I'm homeless
Consumer complaint received 2020-09-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

on XX/XX/2020 I 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 I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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.