davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
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: BMW Financial Services NA, LLC (TN)

Hello BMW Services : This is a formal notification of Title received from BMW. After a 14 day waiting period for clearance of all outstanding debt on BMW we received a clear title. However, we are receiving daily calls from BMW Collections and when we call back we are routed to a long standing ( no answer ). I have called numerous times and spoken to Customer Service who also routes call to Collections. I have given the information to them that Title was received as well. The vehicle was placed in repossession and we are also receiving harassing calls about a BMW location.

We have contacted our attorney who has a copy of recent BMW Title and we have also  noted to DMV State of XXXX the status of harassment by BMW Financial USA. We are requesting that the account be made current per Credit reporting and per law. There is no outstanding payment due on account as per receipt of BMW Title and 14 day required waiting period.

Please note this given account. If we receive any further calls from BMW or Repo company a formal complaint will be filed with the State Attorney General Office.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Client Services, Inc. (MI)

A collection agency for XXXX XXXX named " Client Services '' contacted my employer to reach me. I told him he can not contact me at work. He stated he could. I am a therapist and work with people in crisis. I can not take personal calls at work. The phone number to Client Services is XXXX.
Consumer complaint received 2018-03-15
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. (FL)

XXXX : EQUIFAX : XXXX The XXXX is going on. Ive contacted you guys time and time again since XX/XX/2017. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX   6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Columbia Recovery Group LLC (WA)

We

received notice of collection dat ed XX/XX/XXXX. I called and spoke to a representative onXX/XX/XXXX. We do not dispute the debt but we do dispute the amount. I sent a letter via overnight delivery disputing that amount. I received a letter dated XX/XX/XXXX supposedly enclosing validation of the amount. However, there was no validation of the amount in dispute. I then attempted and left numerous voicemails for, the representative I had been speaking with. On XX/XX/XXXX I spoke with a different representative. I attempted to discuss with her the disputed amount. She refused.

She then proceeded to call me, my husband, my mothers-in-law and my husband 's employer approximately 10 times per day. I spoke with her again today, XX/XX/XXXX. 

She informed me that they have entered judgment against us ( without our knowledge ) and will be garnishing my husband 's wages. I sent a letter today via overnight, return-receipt, stating all future contact must be via mail. That all documentation must show that the amount is disputed and that we will be hiring legal counsel.
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (OK)

Consumer Financial Protection Bureau Ally bank made a mistake on my mortgage loan. I proved it to them. They eventually admitted it. However, they seem to refuse to resolve the problem. 

I had a new construction built for me with a construction loan. When the house was near completion, I chose Ally Bank to refinance the loan as my permanent lender. They mistakenly processed my loan as a secondary residence when in reality it was my primary residence. I noticed the mistake early in the process. They said they would fix it. But they continued to process the loan incorrectly as a secondary residence. 

The major timeline of events are as follows : - In an email dated XXXX XXXX, my loan coordinator XXXX XXXX informed me that my disclosures were ready for me to review. I noticed that the pre-filled application marked my home as a secondary residence. 
- In an email dated XXXX XXXX, I informed XXXX XXXX about the mistake and that it should be marked as a primary residence. In an email dated XXXX XXXX, XXXX XXXX said that the loan would be for a primary residence. 
- At the closing of my new house on XXXX XXXX, the closer noticed that the paperwork still had my home marked as a secondary residence. She advised that we continue with the loan anyway and that I should bring the mistake to Allys attention afterwards. After closing, I immediately phoned my loan coordinator XXXX XXXX and told him the situation. 
- Ally stated that the only way to change the status of my home to a primary residence would be through a refinance. In an email dated XXXX XXXX, XXXX XXXX, the person XXXX XXXX forwarded me to, said that interest rates had gone up and that he might be able to cover some of the costs but not all. 
- After they ceased communication with me, I threatened to report the incident to the Consumer Financial Protection Bureau. XXXX XXXX contacted me soon after, finally admitting to the mistake. He tried to convince me that there would be no adverse affects to leaving the loan unchanged. I did not like this option. 
- On XXXX XXXX, XXXX XXXX called me and left a voicemail. After apologizing and acknowledging that it was Allys mistake, she told me that she had the ability to change the residency without refinancing. I attempted to call her multiple times and left voicemails. Her voicemail to me on XXXX XXXX is the last communication Ally has made with me. 

Attachments : - Email showing that I noticed the mistake early and asked them to fix it. 
- Email showing that they would fix it. 
- Voicemail admitting their mistake and how they would fix it.
Consumer complaint received 2018-06-13
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: HW Holding, Inc (NC)

I NOTICED THAT HUNTER WARFEILD PUT A COLLECTION ON MY CREDIT DUE TO A BALANCE REPORTED TO THEM BY XXXX XXXX XXXX IN XXXX NORTH CAROLINA. I CONTACTED THE APARTMENT COMPLEX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER LIVED THERE THEY QUICKLY APOLOGIZED AFTER I SHOWED MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THEY TOLD ME UNFORTUNATELY ONCE THE COLLECTION HAS IT THERE NOTHING MORE THEY CAN DO AND INSTRUCTED ME TO CALL HUNTER WARFEILD. HUNTER WARFEILD SAID THEY DIDNT CARE THAT I DIDNT STAY THERE SOMEONE & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL I HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER LIVED IN THOSE APARTMENTS. I ALSO WANT ALL OF MY POINT BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A 6 MONTHS BEFORE XXXX XXXX XXXX  STATED THE LEASE WAS SIGNED.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MD)

I believe this company closed my last case claiming fraud in reality. Theyre not trying to give me my money back. Ive heard alot of complaints about this company regarding the same issue. There is no fraud and for Goldman Sachs to assume such frivolous ideas is uncalled for. You guys never bothered to contact me not once. Thats very unprofessional. Spoke to customer service already and was told my account was being closed. I was okay with that and asked where are my funds going to go. Once again i was told theyll be transferred to my linked external account. I have a recording of that conversation between a rep of Goldman Sachs and i. I recorded it because i knew they were going to pull this mess. I havent seen a penny of my {$500.00}.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

In XX/XX/2017, I received a letter from this company regarding a debt that was supposedly owed to them. I sent a request to this company requesting verification of this debt. To date, verification has not been provided. I requested the legal documentation that shows I entered into a financial agreement with this company and theyve yet to provide. I have now received notification that theyve reported this account on my credit profile. This information needs to be removed immediately until requested documentation is provided.
Consumer complaint received 2018-03-15
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: Experian Information Solutions Inc. (TX)

i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.
Consumer complaint received 2018-01-25
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

LexisNexis has sent a " canned response '' and has failed to provided the requested source of their " verification '' ... Case # XXXX This bankruptcy is inaccurate ...
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (NH)

On or about XX/XX/XXXX, my husband and I applied for a mortgage loan with Movement Mortgage to purchase a house for {$270000.00}. They sent us an application for a {$210000.00} loan, including a lock agreement document, which they had filled out to say that we chose not to lock in the rate. It also indicated that the choice was not binding until we declared an intent to proceed with the loan. When we received the loan estimate document on XX/XX/XXXX I called the broker, XXXX XXXX, and told him that we wished to increase the amount of our down payment, and waive the escrow, in order to lower the monthly payment. I asked for a new written estimate, showing these revisions and new closing costs, which he refused to give us. After discussing this with my husband, he emailed Mr. XXXX the next day, XX/XX/XXXX, and reiterated the request, and asked for the rate to be locked in, at the quoted amount of XXXX. Again, Mr. XXXX insisted that written revisions were not necessary, that he had taken care of everything. On XX/XX/XXXX, six days before our scheduled closing, we received a new loan estimate, which still included the escrow, and a letter of changed circumstances, which indicated an increased rate of 5 %, due to the fact that we had failed to lock in the rate. When we telephoned him, and reminded him that we had made the request, he denied it, and said that he had made numerous attempts to get us to lock in, which was not true. The lock agreement which he included with the revised estimate was the first we had ever seen for the {$190000.00} loan that they had approved for us. He insisted we must sign the incorrect estimate document in order to close on time. We tried to pursue this with other loan officers, XXXX XXXX, and her supervisor, Market Leader XXXX XXXX, to no avail. Even when we presented them with the XX/XX/XXXX email request, they insisted that the lock agreement that was part of the application, even though it was not for the loan we received, was the overriding document. We feel that this was no more than a bait and switch. The email in question explicitly asks for the rate to be locked in, yet they insisted on calling it a request for rate information. 

We have already forwarded copies of the relevant emails to the company, and they are in possession of all loan documents, and choose to interpret them to their own advantage, which is why we have contacted your bureau for help.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-03-15
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: EQUIFAX, INC. (CO)

I have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.
Consumer complaint received 2018-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

There is a Cabelas authorized user account appearing on my credit report from XXXX. I have disputed this account numerous times, yet it is still appearing and causing my score to drop by a great deal because the account is a charge off. This account DOES NOT belong to me. This has been going on for over a year. Capital One reported the account as recently as XX/XX/2018.
Consumer complaint received 2018-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have informed Kohls several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have requested TransUnion to remove unauthorized request off my credit report for months now. I am a victim of identity theft. I did not make these inquires or authorize them.
Consumer complaint received 2018-03-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NY)

This is a fraudulent account and I would like my name and information taken out of your files. I have notified the police and all credit bureaus that this is fraudulent and this account does not belong to me nor do I have any knowledge of it. Remove my information at once. I am XXXX and this is fraud
Consumer complaint received 2018-03-15
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: Experian Information Solutions Inc. (TX)

i noticed on my credit report XXXX XXXX XXXX account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being XXXX XXXX and Experian. first off XXXX  doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong XXXX  has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in Documents.
Consumer complaint received 2018-03-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I responded to the XXXX XXXX XXXX to make a XX/XX/XXXX mortgage payment, where I was informed by the teller that my mortgage account was closed, unbeknownst to me. 

I received a letter from XXXX XXXX XXXX indicating that they sold my loan to XXXX XXXX XXXX. During that week, I attempted numerous times to contact Carrington Mortgage ( No answered-awful ) so that I could make my mortgage for XX/XX/XXXX, however, the phone continued to ring with no answer the phone. This went on for about 4 days, where I was able to speak with someone. 

The teller informed me that their were not a debt collector. I asked her what happen and why was my mortgage transferred to them, when I was never late with my mortgage payments. The teller informed me that XXXX XXXX XXXX was not following the proper procedures with the loan. She informed me not to worry that I would receive a letter from XXXX XXXX   XXXX welcoming me to their company with a statement to pay my mortgage for the month of XX/XX/XXXX. In any event, she also informed me that if I wish to pay my mortgage I could it on-line. After several attempts to make my XX/XX/XXXX mortgage payment, I was finally successful in making my mortgage payment. 

However, XXXX XXXX XXXX continues to call me requesting my mortgage payment for XX/XX/XXXX. I informed them that I was sending the mortgage payment via mail ( which I prefer ) and asked them why were they calling me. They called me again with the same request, I informed that I sent in my mortgage payment. I explained that maybe due to the XXXX XXXX we just had. Moreover, they continue to harass me with phone calls about paying my mortgage. When their is a 16 day grace period, in which, I have to pay my mortgage. 

Since the Loan Modification with XXXX XXXX XXXX in XX/XX/XXXX, I haven't been late or failed to pay my mortgage payment. I don't understand why XXXX XXXX XXXX continues to harass me repeatedly for no reason. 

I am not late with my mortgage payment.