davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (WA)

This complaint is against LoanDepot with whom, I refinanced my loan in the month of XX/XX/XXXX. 
XX/XX/XXXX - I received a notice in my mailbox from my county claiming that I am overdue on my property taxes which was supposed to be paid by XX/XX/XXXX. Due to this an amount of {$230.00} was added as interest and penalties to the due amount. 

XX/XX/XXXX - I tried reaching by phone multiple times but continues to stay on a long hold. I tried chat with loan depot customer service and the agent told me to send an email with a copy of the notice. I promptly send a mail marked Urgent with a copy of the notice. No response from LoanDepot by end of day. 

XX/XX/XXXX - I tried reaching out to loan depot again but was unsuccessful. No response on my email as well. 

XX/XX/XXXX - I again tried reaching by phone and left a message to call me back. I tried to chat with a customer service agent which after multiple attempts went through. The agent told me to reach out to my closing agent as this should have been taken care of during closing. I sent out an email to my loan officer and loan processor to investigate why this happened. No responses from anyone by end of day. 

XX/XX/XXXX - I finally get a call back from LoanDepot. The response was that, during my closing in XX/XX/XXXX, loan depot had the wrong due date ( XX/XX/XXXX ) as the next due date for paying taxes ( Attached their documentation ). The actual due date was supposed to be XX/XX/XXXX. If they had the correct due date they would have had the property taxes collected from me during closing and paid off on time. LoanDepot tried to pass the blame to the county saying that they " may '' have had this wrong date from the county. I reached out to the county and they clarified that this definitely does not happen. One of my friends also refinanced with LoanDepot at the same time as me. He did not face any issue with his property taxes being missed. How is that loan depot got a wrong due date and missed to pay my taxes on time and I am being held liable for penalties and interest. The person was not clearly trying to own up the mistake and refused to reimburse me the interest and penalties accrued on my account. 

Attached - Copy of notice, Tax information letter with wrong due date used by loan depot to assess my closing cost , county tax statement
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9600.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$9600.00} XXXXXXXX XXXX XXXX XXXX XXXX  - {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-16
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. (TX)

Equfax has refused to dispute a item on my credit report and ask me to resend the documents again and again after my hard money is spend with my debit card and I barely have any money in my checking account and unemployed right now and they received my documents on the XXXX and told me it was invalid for unknown reasons and wouldnt dispute XXXX XXXX This account is not in dispute Equifax wont remove it or dispute it and I dont have to resend documents over and over and I send the recent documents on the XXXX XXXX and the agent from office of consumer affairs was rude to me and disconnected the call on me twice and wouldnt track my mail and I told him I want speak to us dept and he refused and hang up on me Certified mail tracking number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent in a dispute letter addressing the information that on the credit report. The agency sent me a letter in return stating the information was correct and in fact according to The Fair Credit Reporting Act Section 609 ( a ) ( 1 ) says they are require by FEDERAL LAW to verify, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. They have FAILED to mail me proof of the investigation or delete the negative information. 

I asked them be specify on how the item was verified. I went on to ask to Please do not provide me with the generic response on your e-Oscar procedure but the FACTS of how was. the item verified since there verification by law. 

I asked the agency to provide evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (TX)

I had an unpaid medical bill of {$1400.00} through XXXX XXXX XXXX. It went to collections with CMRE Financial Services in XX/XX/XX/XX/XXXX I made payments to CMRE Financial until the balance was paid. CMRE Financial had agreed to delete the account with all three credit bureaus upon payment. The balance is {$0.00} and it is still listed under collections on my credit. I called CMRE Financial requesting it be removed off my credit. CMRE Financial stated they will not delete it, they can only update as paid in full. Please advise.
Consumer complaint received 2021-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

As recorded in the XXXX XXXX Florida on XX/XX/XXXX, Page XXXX, XXXX XXXX, I received an Assignment of Mortgage stating that XXXX had assigned my mortgage over to " XXXX XXXX XXXX XXXX XXXX XXXX '' ( See attachmemt ). 

There is a company by the name of " Carrington Mortgage '' that has been placing information on my 3 credit reports ( XXXX, XXXX and XXXX ) and stated the account was opened with them on XX/XX/XXXX. ( I'VE NEVER HAD A MORTGAGE WITH CARRINGTON MORTGAGE NOR WAS I EVER OFFICIALLY NOTIFIED ) that " Carrington Mortgage '' was assigned to or servicing my mortgage. My original mortgage was with XXXX and as the attached document states it was then " Assigned to XXXX XXXX XXXX XXXX XXXX XXXX '' ( see attachment ) Per XXXX XXXX FL XXXX records back on XX/XX/XXXX XXXX XXXX, Page XXXX there is a recording of my " Home Affordable Modification Agreement '' that we completed with " XXXX XXXX XXXX XXXX '' ( see attached ). NOT AT ANY TIME HAVE I EVER RECEIVED ANY OFFICIAL OR UNOFFICIAL NOTICE FROM XXXX XXXX XXXX THAT MY MORTGAGE WAS ASSIGNED TO OR BEING SERVICED BY " CARRINGTON MORTGAGE ''. Dealing with this " Home Affordable Modification '' was a rip off all by itself which is a seperate issue. Under this program, our original mortgage was only $ XXXX and when they finished, we had a new loan of approx XXXX. ( see attached documents ). 

CARRINGTON MORTGAGE IS STILL REPORTING ON MY CREDIT TODAY AND MY HOME IS SOLD AND WAS SOLD XX/XX/XXXX AND THE SATISFICATION AND RELEASE OF MORTGAGE WAS RECORDED IN THE XXXX XXXX FL RECORDS ON XX/XX/XXXX, PAGE XXXX, XXXX XXXX ( SEE ATTACHED ). 

FROM THE YEAR XXXX UNTIL XXXX " CARRINGTON MORTGAGE '' HAS REPORTED INACCURATE LATE PAYMENTS ON MY CREDIT REPORTS AND THEY charged me XXXX for each online mortgage payment and {$10.00} to {$20.00} for payments made by phone. These pay-to-pay fees are a violation for both consumers mortgage agreements and Florida debt collection law XXXX Carrington marks up the processing fees charged to borrowers for online and phone payments in direct violation of their mortgage agreements. The case goes on to claim that as a Federal Housing Association-approved mortgage servicer, Carrington agreed to charge borrowers only fees permitted by the Secretary of Housing and Urban Development XXXX Per the lawsuit, pay-to-pay fees are not included in HUDs exhaustive list of authorized servicing fees and charges. Moreover, HUD specifically prohibits mortgage servicers from charging borrowers for costs of telephone calls, telegrams, personal visits with the Borrower, certified mail, or other activities that are normally considered a part of a prudent Mortgagees servicing activity, the suit continues. 
The lawsuit alleges violations of Floridas Consumer Collection Practices Act and Deceptive and Unfair Trade Practices Act, as well as breach of contract and unjust enrichment.
Consumer complaint received 2020-12-03
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN HONDA FINANCE CORP (CA)

I received a call from this company and told them it was the wrong # that I never had an account with them. They proceeded to tell me they wouldn't have called me if I didn't have an account and demanded an account # or ssn. I again told them I have never had a loan with them and to remove my number. I was hung up on by 3 representatives. None of them would transfer me to a supervisor and their collection practices with voicemails is unprofessional. I advised them this is a violation of my rights and would be reporting them to the cfpb.. They again hung up on me.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NM)

I requested to close a savings account and the Wells Fargo Bank branch manager and bankers inform me if I close the account I would be charged fees. I withdrew all the funds out of my account with the understanding it would be closed but instead I was charged fees.
Consumer complaint received 2023-05-16
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. (MI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$860.00}.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

Discover XXXX discriminated against me going against the Federal Law pursuant to Equal Credit Opportunity Act 15 U.S. Code 1691 1. In order for Discover to even let me put in an application I was already approved. Once I gave Discover my application, It was Approved. and they ran it, legally can not deny me credit because they don't have credit to give. I the consumer am the creditor and I am extending you credit pursuant to 15 U.S. Code 1691a ( e ).

2. I was denied due to defamatory claims made by a credit reporting agency ; which according to congress is a scam. The Congress has stated that Credit Reporting Agencies, are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate me
chanism has been developed for investigating and evaluating the consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. Congress has also stated that Credit Reporting Agencies are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefore youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner that is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. XXXX  are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;
Consumer complaint received 2022-09-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing LLC violated my rights 15 USC 1692 c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with a collection of any debt ; 15 USC 1692 b ( 4 ) not communicate by post card ; 15 USC 1692 b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 b ( 5 ) not use any language or symbol on any envelope, or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1692 d ( 2 ) Related to harassment or abuse : not use of obscene or profane language against the hearer or reader ; 15 USC 1692 g ( a ) Related to validation of Debt-notices within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless, the following information is contained in the initial communication, or the consumer has paid the debt, send the consumer a written notice containing : ( See ( g ) a-1, a-2, a-3, a-5 ) ; 15 USC 1692 k ( a ) 2 ; ( c ) ( d ) Related to civil liability and debt collector should pay for damages and injuries caused to the consumer ; ** I the affiant invoke my rights as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13 ( d ) 1 : ** I the affiant has sent certified letters with returned signature, as the administrative process requires, to SLS requesting proof and evidence for alleged debt, agreement between parties with binding contract and wet signature, that they did not purchase debt from the origin source, that they are not debt collectors, that they are not a third party agency, that they have authority to contact me and harass me using violence, threats, conspiracy to commit fraud and extortion, etc., I the affiant has proof of all correspondence sent to SLS via certified mail using the postal office as " Postal rule '' ; from Debt Validation on XX/XX/XXXX, Cease and Desist on XX/XX/XXXX, Affidavit of Truth on XX/XX/XXXX, and a final Extension letter on XX/XX/XXXX to provide requested information. But SLS has failed and did not provide any of those ; instead SLS has continued to use my name, address, credit records, DOB and other private information without my consent.
Consumer complaint received 2020-12-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Back in XX/XX/2020 I started a dispute regarding wrong information on my business credit with Experian Business Disputes. The wrong information that shows only on Experian Is hurting my business credit for too long now. I have already sent the paperwork with proof that the Judgment for {$1600.00}, + does not belong to our company. The name is almost similar but my firm has of course different EIN number and also everything else. Please I need help because Experian Business only replies saying they have received the Complain but does NOT remove the wrong information. Thank You very much.
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

As a Federally Protected Consumer, Natural Person, and Authorized Representative for XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and perform redress compensation for your trespass against me. You are causing me damages, suffering by attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

The within named natural person ( *Consumer ), XXXX XXXX XXXX who is domiciled at XXXX XXXX XXXX in Florida XXXX personally came and appeared before me, the undersigned Notary Public, and makes this his statement, testimony and Affidavit of Facts under oath or affirmation, in good faith, and under penalty of perjury, of sincere belief and personal knowledge that the following matters, facts, and things set forth are true and correct, to the best of his knowledge in reference to account / stated or implied account # XXXX : I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with CONVERGENT OUTSOURCING or any of its Affiliates nor have I ever engaged in any business with CONVERGENT OUTSOURCING in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX XXXX XXXX are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed becasue Accoring to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX University XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX. XXXX XXXX Bank XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX XXXX ( XX/XX/2022 XXXX. Equifax XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX Service ( XX/XX/2022 ) They have also violated me under codes 15 USC 1692 ( B ) ( 2 ) & 15 USC 6802
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

This is a follow up notification per the conversation I had with a Barclays representative from the Security department on Wednesday, XX/XX/XXXX @ XXXX XXXX CST where we identified that there had been fraudulent transactions in multiple locations and most appear to be outside of the continental United States. I now have conclusive evidence that there were multiple blatant, erratic and appear simultaneous charges all around the country/world in most of XX/XX/XXXX & XX/XX/XXXX. I see that the fraudulent international charges on my credit card have been corrected/credited however there are still two charges that were part of this fraud that were added to my current balance. 

I brought this to the attention again with a Barclays Account security/protection rep on XX/XX/XXXX at approximately XXXX XXXX  CST. These charges are appearing as foreign/international and appear to be in connection to the stolen Identity/Stolen U.S Passport crime that I reported swiftly to the United States Department of State with the DS. XXXX report. Please remove these charges from my balance as soon as possible in accordance with the FCBA since this blatant fraud was reported on XX/XX/XXXX. The evidence of the unusual transactions outside of my spending area is overwhelming. Please ensure that stricter policies are implemented to ensure this never happens. 

The two charges are as follows : 1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX XXXX {$330.00}