davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-04
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: URS Holding, LLC (OH)

In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company ( ERS ) has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call cadence.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

After finding a negative report that was inaccurate on my Experian report I filed a dispute with them because the issue was litigated in court, it was found in my favor that the amount was paid and the insurance company had reported false information. They never contacted me to get copies of the legal documents and updated the report to say the issue met the Fair Reporting Act. I also contacted the company in question and provided ( XXXX ) and provided the court documents and they never removed it or reported back to the credit bureaus. I have been denied credit because of this issue
Consumer complaint received 2015-04-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (TX)

in XX/XX/XXXX we purchased a manuf home and obtained fha financing- to date- tax districts list prop as lot only- manuf home is still listed under previous owners. When i turned XXXX i was trying to apply for over XXXX exemption-this is when i was told they is not home listed on property. I recieved overage check from dovenmuehle for XXXX i contact them to let them know this was a mistake and i send the check back in XX/XX/XXXX this has never been resolved. In XX/XX/XXXX we were contact by attorneys from the XXXX law center asking us if we wanted to modify our mortgage- They asked us to send them all our information, paystubs, bank statement, and budget letter. We were told to send them XXXX mortgage payments and not contact Mortage company since they would be handling the modification. In XXXX is when we found out this was a scam and Dovenmuehle sent us a foreclosure notice, they were not aware of any modificiation. We then tried to work with them thru loss mitigation. We made application and sent them all the required information, in XX/XX/XXXX they asked for updated documents since they were more then 30 days old, then in XX/XX/XXXX, they asked for more, same in XXXX, We kept being put off with a reason that they were not able to clear title- they said there were judgement filed against us, this was not the case- it was that the title did not show subject as real property- at the same time this was all happening, we Received a law suit filed by County of XXXX for unpaid taxes for XX/XX/XXXX on the Mobile home for XXXX this include court fees and was still show previous owners name included in the law suit. We contacted Attorney and were told the only way to not lose home to unapid taxes was to file for Chapter XXXX BK, which we did, the we contact HUD who contacted Dovenmuehle to pay the taxes. They were also told that they needed to file the correct documents to get the manuf home listed as real property. This has never happened. Our mortgage has now been sold to XXXX other mortgage companies since then. Was sold to XXXX then XXXX XXXX and now XXXX XXXX XXXX hold our mortgage- Since we filed BK- no one at any of the mortgage companies will talk to us. We have fallen behind again since our payments have increased by XXXX due to shortgage of escrows. They will not allow us to make any payments unless we pay the full amount. We are just wanted our property to be taxed correctly and able to get a loan modification at a current rate in order not to lose our home.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Despite my many attempts to rectify this matter, the late open and charge off accounts continue to negatively impact my creditworthiness and financial standing. It is disheartening to see that this unknown inquiry persist on my credit report, despite my repeated efforts to have them correct or removed. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these accounts entries undermines that goal. I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the inaccurate accounts on my credit report and immediate action to have them correct or removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. Please help me correct or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX XXXX XXXX : {$1200.00} - The number of late payments is incorrect. I never missed a payment. 
Please adjust immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$1300.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 
XXXX. XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX that is damaging my credit score and it is incorrect information in my record. I never received any calls on this, and as soon as I found out I called XXXX. I spoke with XXXX XXXX representatives, and with the collections agency that XXXX uses and none of them saw an outstanding balance in my account. I would like it removed from my credit score as soon as possible.
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (NH)

I was late with XXXX payment and American Express assessed a {$38.00} late fee and then on top of this they are charging interest on balance at annual rate of 27 % when interest rates are at historic lows! These types of fees and rates are outrageous and simply wrong.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

This is an additional dispute being filed as I was advised to do by a member of your team that I spoke to on the toll free number today. 


I recently joined creditkarma.com to begin to rebuild my credit. 

Shortly thereafter, I discovered an account in Collections reported by XXXX and Equifax from XXXX XXXX XXXX for {$470.00} XXXX COMPANYPO BOX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX. 

To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis. 

So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers. 

I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago. 

As I have no accounts with XXXX XXXX XXXX, I have no documents to attach. 

I would appreciate any assistance you can provide regarding this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FinCo Services Inc DBA Current (IL)

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2015-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX I borrowed {$50000.00} against my home which at that time was paid off. I borrowed from XXXX company who sold it to another and so on and at this time it is now with Bank of America. Even though I do n't make my payment to BOA, I pay my mortgage to a company called XXXX. In XX/XX/XXXX I got jammed up and got behind on my payment. When I finally got things squared away I called BOA and tried to resolve the problem. I told them that I would pay them {$1000.00} over my mortgage per month til it was caught up. The people that I spoke with said they could n't do that and that I had to pay it all to them at once. After that I started speaking with XXXX about the Obama Home retention program. At that time I did not have an attorney. They came up with a modified mortgage that was somewhere around {$450.00} per month and I had to pay that amount for 3 months and that was the my permanent mortgage payment. After I paid about XXXX or XXXX payments they sent me a letter and said that I did not qualify. To make a long story short I retained an attorney named XXXX XXXX from the XXXX foreclosure prevention project. After a long time we ended up in court and the judge awarded me somewhere around {$16000.00}. That was about 2 years ago. I About 2 years ago I was sending XXXX payments and they would send the checks back, saying it was n't enough. I think I have had about XXXX different modifications & gt ; what I am writing to you about is that I checked my credit the other day and I have XXXX hits against my credit and XXXX of them are from XXXX. When this whole XXXX started my credit was not that great but it was atleast close to XXXX or XXXX. As I said my lawyer and myself have been going back and forth with them for a couple years now. But they have all these hits agains my credit for either late payments or non payments. How can they put negative remarks on my credit when they will not even accept my payments???
Consumer complaint received 2015-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

The last payment I 've sent out to pay my mortgage with Chase was " not received ''. I have an ongoing dispute with Chase over the way they are processing my payments. It seems to be taking longer and longer, sometimes over XXXX days for my payment to arrive, or at least according to their claims, which resulted in late fees that I am currently refusing to pay and disputing. I have good reason to believe that they have intentionally " lost '' my last payment as a form of retaliation for attempting to dispute their late fees. I will also be switching over their pay by phone system, which should be harder to falsify than mail.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (IN)

My balance on the robinhood account is the {$2600.00} and they not let me take it out or use my account because I transfer some money to different accounts a week ago I reach out and they keep telling that the information i send that is ID pictures a selfie of me bank statement and pictures of my passport and they still saying the information i send doesn't match the information on robinhood they clearly see the money come in and out of my bank account they are doing this to hundreds of people this is robbery
Consumer complaint received 2015-12-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

I submitted a letter to Ocwen bank like they told me to do over the phone when I called them about my mortgage pmi. I told them I would like to have them look at my account and see about the removal of the pmi since my house is clearly well over the 20 % threashold. They sent me a letter back stating that my ltv was 95 % which there is no way. I would like an appraisal done and shown that this is false. 
Please Help.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/year> I went to a local WELLS FARGO branch and spoke with an employee named XXXX XXXX. I provided XXXX XXXX with an updated Durable Power of attorney for my grandmothers account. XXXX XXXX scanned the documents and spoke with someone ( I believe in the legal docs dept ) to have the documents accepted and attached to my grandmothers account. Fast forward to XX/XX/year> I called WELLS FARGO at XXXX to inquire about my grandmothers new debit card that was supposedly mailed to her XXXX weeks prior however, she hadnt received it. Upon speaking with a representative, I immediately identified who I was and that I was calling regarding my grandmothers account as I am POA. I told them all of the legal documents are on file should they need to verify. The agent goes on the ask for my information in which I gave her however, I explained to her again that I am calling regarding my grandmothers account and that I DO NOT bank with them therefore my personal information such as social would not be in their system. She then says that she can not pull up my grandmothers account without her being on the phone and giving verbal consent. I reluctantly explain YET AGAIN that I am the POA and that I have provided WELLS FARGO with the durable POA and that my grandmother doesnt need to give verbal permission because of the legal documents. The agent refused to acknowledge the POA document and I had to call my grandmother so I could handle her business. Once on the phone, my grandmother stated to them that I am her POA and that its in the system. I called back XX/XX/year> for information on their policy and procedures as it relates to POA documents. I spoke with XXXX different agents and received NO REAL ANSWER. Each agent kept reverting back to asking for my information and that my grandmother had to give verbal permission in which I kept telling them that I did not NEED information at that time about my grandmothers account. I simply wanted to know why they refused to acknowledge a legal document and that I would like to know their procedures regarding POA. I have yet to know why they refuse to acknowledge and abide by the POA on file as they refuse to answer the question. Its SICKENING!
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

A debt collector from Portfolio Recovery at phone number XXXX XXXX XXXX XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for XXXX XXXX Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from XXXX XXXX. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of Portfolio Recovery simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.
Consumer complaint received 2024-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

On XX/XX/year> I received a copy of my consumer report and noticed an item that is reporting inaccurately. Credence resource MA is listed on my report I have never entered into a consumer credit transaction with this company. According to 15 USC 1693G you are required to provide evidence proving that I am responsible for this alleged debt.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (AL)

XXXX XXXX XXXX  website has been down for 4 weeks unable to pay bill. Needs to be fixed ASAP and If I'm incurring any fees or negative credit action I'm taking legal action. 

It's not my job to call and demand a bill when I can't even log in online to pay it. 

I have online only statements then the website is required to be functional to pay the XXXX bill.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My loans have been deleted by the government due to my disability. I have the letter and have sent them to XXXX XXXX and experian to delete them/change status. They still show on my credit with a balance and or late pays.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Network Inc. (CA)

I worked breifly for a mortgage company that made many misrepresentations about their pricing and funding times. I quit the company XXXX/XXXX/XX/XX/2014 and asked when they were going to pay me my final commission. They told me on the following pay period. When the following pay period came, they changed their story to say that I never originated the file. I have a sworn statement from the borrower saying that I was the only one who originated the loan. This mortgage company is committing fraud by saying someone else originated this loan. I have all the email correspondence between the borrower and I during the initial phases and a letter saying I originated the loan.