davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Churchill Holdings, Inc. (ID)

XXXX XXXX at Churchill Mortgage understood that I have a XXXX. My husband XXXX and I were told that we qualified for a FHA loan, and that we could indeed move from XXXX to a cooler climate in XXXX hoping to benefit my health. XXXX told us to find a longer term hotel, so we paid {$1400.00} for one month at the XXXX XXXX XXXX, while XXXX told us to use a realtor by the name of XXXX XXXX at XXXX XXXX. Once we were up here, XXXX told us that we had to rent out our paid for condo and show him the year lease, otherwise we would not qualify. We hired XXXX XXXX, and they rented out our home. We had an inspection on the home, it was loaded with live cockroaches, and XXXX insisted I get the house and live there with the cockroaches while an extermination company would use chemicals to kill the bugs. With my XXXX, this would only worsen my symptoms. After this, XXXX told us that since we were not happy with his mortgage company, that " although we qualify for the loan, we need to go elsewhere for the mortgage. '' We can not go back to our home for a year, we can not get a loan, we have contacted about XXXX mortgage companies, and no one will help us. My house is paid for, I am XXXX and now where do I live? My credit is XXXX, my husband is a veteran of 21 1/2 years in the XXXX, and we have been working all of our lives. We are literally homeless, and a victim of XXXX XXXX from Churchill Mortage.
Consumer complaint received 2017-07-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XXXX XXXX XXXX I sent a certified validation letter, with signature requested, to Portfolio Recovery Associates, LLC to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX XXXX, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I just recently looked at my report XXXX XXXX. 
I saw some hard inquiries that did not have permissible purpose.i also attached evidence. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX And the I got XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries has no permissible purpose to be on my report.Delete these inquiries due to violation of 15 usc 1681b
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I received a letter notifying me that my mortgage loan will be transfer from HSBC to XXXX Mortgage, and now that I have received my first new statement it has a lot of legal fees added to my account, when I call the new mortgage to ask about it they said their charges from my previous company HSBC, if HSBC sold or transfer my account to an other company why they are charging me the legal fees if my account is NOT pass due or behind on my payments? I have actually been sending extra principal on my payments for the last 5 months, this is totally an abuse from this big mortgage company 's, this is just not right and is a robbery.
Consumer complaint received 2017-07-13
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. (NJ)

All my attempts to correct my billing address with XXXX XXXX XXXX failed. as a result a bill for {$47.00} was lost or sent to the incorrect address. XXXX XXXX XXXX is my utility company and i have 3 accounts with them for the last 20 years. a simple search by them to get in touch with me is all what was needed. they turn it to a collection agency XXXX XXXX. and they put it on my credit report. when i found out i immediately paid it but the two company 's refused to take it off my credit report.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

A late fee that was incorrectly applied to my account on XX/XX/XXXX. I called Ditech and they explained that customer service had no authority to issue late fee credits but I could Fax a letter to XXXX do dispute the fee. I sent a letter ( attached ) to this fax on XX/XX/XXXX to address this issue. I never received a reply.
On XX/XX/XXXX, I called Ditech customer service to ask why the late fees were not credited ; the answer was that the request was denied. I was given no explanation except as to say that it was part of my contract and the company policy was not to give credit back on late fees. I asked to speak to a supervisor. I was told no supervisor was available but one would call me back. I insisted and asked to wait on the phone line. Eventually I was given a supervisor named was XXXX # XXXX. I explained why the fee was not justified but it was clear that XXXX XXXX was not interested in resolving the issue. I asked my recourse and was told that I could fax my dispute to XXXX. I explained that I had already faxed a dispute to that number. I that point he told me that it was never received. ( Attached is the fax receipt log verification ). He went on to explain to me that I signed a contract that authorized the late fee and offered to send the contact. ( Which he sent by mail ) He further explained that the fee would stay on my account and if it was not paid, then the note would not be release when it was eventually paid off. He also went on to say I will get the same answer at Ditech from anyone else. Clearly Ditech has a policy to enforce the late fees but what is not clear is that they are doing it based on the contract. My contract clearly states that the payment is the principle and interest. See Section 3 ( A ) The Note does not mention the escrow fee as part of the payment. Conflating the escrow payment and the loan payment into the same payment is clearly a Ditech policy. The contract does not authorize them to charge the late fee on the escrow. See Section 7 ( A ) Ditechs policy is unfairly collecting fees from consumers that pay their mortgage payment but are short on the escrow account. Instead of booking the mortgage payment and booking the remaining funds in the escrow account, Ditech puts the funds in a suspense account thereby creating a late fee. In my case, my escrow account was substantially funded and in no risk of being short for the next disbursement. Ditech has no authority to collect the late fee of {$58.00} in this circumstance.
Ditect should credit my account for the late fee and stop this practice of creating late fees with a suspense account.
Consumer complaint received 2017-07-25
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: EQUIFAX, INC. (FL)

Inquiries only. Dating back onXX/XX/XXXXuntilXX/XX/XXXX.
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 2 times XX/XX/XXXX & XX/XX/XXXX 6. XXXX 7. XXXX 8. XXXX XXXX XXXX I 've noticed many unknown inquiries surfaced on my credit report while I was out of the country for long period of time. When I got back in to town and checked my emails I 've gotten several alerts from an Equifax monitoring product I purchased & noticed XXXX inquiries. This has literally been the 30th time I 've sent out certified letters that I had to pay out of my own pocket, documents over to the equifax headquarters seeking some help, phone calls and was hung up on by several customer agents in the Consumer Dept both male & female. They we 're very disrespectful. I have been a victim of identity theft in the past. Equifax is aware of the errors of inquiries on my credit report but refuse to do anything about it. Well since they 're not doing their job I 'm going to make sure that I file a lawsuit against Equifax and various companies. I contacted each company but no one respond with no documents, no validation of any signatures, no possible way a verbal verification holds up against The FCRA, I know my rights and it 's been more than a month ago errored inquiries reporting.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

In XX/XX/XXXX, XXXX sold our Mortgage to Bayview Loan servicing. We had never heard of Bayview until then. However, they are reporting on my credit file that I have had a loan with them since XX/XX/XXXX. They are also reporting that I have missed 4 payments, and I have made 2 on their Fresh Start Program. I was contacted by a Bayview Representative, XXXX XXXX in XX/XX/XXXX, and asked if we would like a loan modification and I applied for it, and was told about the Fresh Start Program. I was told to get a Prepaid debit Card, and to put {$890.00} on it so that Bayview could withdraw it for the house payment for 3 months, and they would forgive the payments that were behind while they were assuming the loan. Our first payment was to have been in XX/XX/XXXX, but we received no paperwork to sign to accept the new program. So on XX/XX/XXXX, I telephoned Bayview, and a payment in the amount of {$890.00} was given to them by phone. Again, XXXX XXXX told me she was setting us up on the Fresh Start Program, and a payment of {$890.00} would be coming off the card on XX/XX/XXXX. I placed {$900.00} on the card for the payment, and Bayview NEVER took it off. ( See Transaction list for Prepaid card, attached ). I called back to Bayview, and XXXX was not available to take my call, so the lady who answered the phone, stated to me the next date for a payment was XX/XX/XXXX, NOT XX/XX/XXXX. This was an error on XXXX XXXX 's part, not mine. The Fresh Start Program was suppose to start with the first payment on XXXX XXXX, and the previous payments for XXXX, XXXX, and XXXX were to be forgiven and added to the maturity of the loan. Before Bayview, as I stated, this loan was with XXXX. We borrowed {$85000.00} in XX/XX/XXXX, and when the mortgage was bought by Bayview, we now owe {$90000.00}. Our interest rate has changed 2 times. Our entire payment has been going to the interest for 8 years. I received a XXXX package from Bayview, and it was my address, but NOT my name, nor the information on my account. It was someone else 's account, and they wanted me to sign it and send it back. This account has been sold at least 4 times, in the past 6 months, and I have NEVER signed ANY paper for any company except XXXX.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX 4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.
Consumer complaint received 2016-07-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (MO)

I got a call from XXXX XXXX ( spelling? ) with Allied Interstate LLC. He called my work line. I have repeatedly explained to debt collectors that I am not the person they are looking for and they are not to contact me again. I also inform them that they are calling me at work. XXXX left a message and I called him back to again explain that they are harassing the wrong person. I got his voicemail and it contained a phone number to call the main office. I called that number and talked to another gentle man who told me that no one from his office called me at my work number. I assured him that I received the message and he could listen to it if he wanted. He asked for the number that was called and I gave it to him. He told me that that number had already been identified as incorrect and no one from his office would have called it. He did say that he would remove me from their call list. A few minutes later XXXX called me again and I told him the same thing. I was very clear that I am not the person they are looking for and they are NOT to contact me again.
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Financial Credit Services, Inc. (MI)

While looking over my credit report I noticed a collection account for American Financial. On XXXX XXXX, I sent certified mail to American Financial asking them to verify the debt. It has been over 30 days and I have not heard back. I would like this removed from my credit report.
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I first contacted Bank of America around XX/XX/XXXX to try to work out payment arrangements due to my sister passing away due to XXXX on XXXX XXXX, XXXX which caused me to lose my job. I am a XXXX, had no job, and they refused to assist me in any way. They closed my CC and wanted me to continue paying from {$200.00} to {$220.00} dollars every month which I did. I was not working and borrowed from family and friends to make my monthly payments. I was denied a payment plan because of no income and told that once I received unemployment that they would put me on one. Every month I was told a different lie. However, they constantly told me that as long as I made my monthly payments I would avoid collections. Once I received unemployment they said that they could not put me on a payment plan. I called again XX/XX/XXXX and XX/XX/XXXX to try to work out payments and was denied. They man I spoke with from Bank of America told to make my payment via the ATM before XXXX EST and that I would not be sent to collections. The amount due was {$210.00} and I paid {$200.00} at XXXX XXXX and {$10.00} at XXXX XXXX on the XX/XX/XXXX. However, on XX/XX/XXXX I received a credit alert from my bank that Bank of America charged off my account. Bank of America has constantly lied to me about my account, given me conflicting information as to why I was sent to collections or why my payment was not acceptable. I mailed a letter to Bank of America 's corporate office at XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX asking that my calls be listened to and ask that they reverse my account that was charged off because of their bank errors. However, no one will listen or willing to help me.
Consumer complaint received 2017-07-13
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: Amsher Collection Services, Inc. (NV)

XXXX XXXX XXXX XXXX has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XXXX, this debt was showing on my credit with Amsher Collection agency, which in turn sold this account to XXXX or XXXX XXXX XXXX XXXX. Once I disputed this debt and negative account with Amsher in XX/XX/XXXX, Amsher Collection immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by Amsher that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called XXXX. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

Submitted A Dispute for Fraud After  Over 5k was mis sing from my Account and they Never followed up with me 30 days later I contacted them and they said a form needed to be filled out I filled it out and sent it back same da y two weeks lat er I called and they had denied it no written anyt hing and two weeks. Then the guy on the phone said that he was submitting a appeal and then I would know  in  two days b ut then I it was ag ain two weeks later I called and they declined it again! So then I submit my etc affidavit and police report and still nothi ng
Consumer complaint received 2017-07-25
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: EQUIFAX, INC. (TX)

I have contacted Equifax several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : -XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (NJ)

We sold our timeshare from  XXXX   XXXX  in Virginia to     XXXX   XXXX   XXXX    in   2011. As s pecified in the agreement of sale,  XXXX  assumed all previous, current, and future debts. Apparently, there is some claim by  XXXX   XXXX  that we owe them money. Despite repeatedly sending documentation to  XXXX   XXXX  that they should contact  XXXX , we have been hounded ever since    2011.  We were reported to the credit agencies, and we were able to prove to them that we do not owe this debt. Our credit was restored and the debt was removed from our credit reports.      XXXX   XXXX , at some point, sold this debt t o Meridian Financial ser vices. We have sent them documentation, on multiple occasions, that we do not owe this debt. We are called at all hours, all days of the week, multiple times per week. They will not leave us alone.     I would appreciate any assistance that you can give us.
Consumer complaint received 2017-07-25
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: Commonwealth Financial Systems, Inc. (NJ)

In response to closed complaint number XXXX - the name of the debt collector was incorrect in my complaint, not sure how that happened. Again, this {$75.00} is not even the issue, I can pay it just to rid myself of this paid debt, but now it 's gotten personal. I paid this in 2012, we proved it back then, and it reappears every other year, then goes away, but this time it 's not. The name of the debt collector this year is COMMONWEALTH FINANCIAL SYSTEMS, it changes frequently. Like I said, I can pay this easily, but now after wasting so many hours trying to get rid of these pennies, I feel they owe me XXXX  dollars or more for my time. I would like to reopen the above case number and file the complaint on the correct debt collection company.
Thank You, XXXX XXXX