davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-11-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I have been challenging a few accounts listed on my credit report with Experian, XXXX, and XXXX  for the past few months with no avail. 

The first letter from early XX/XX/2020 was sent to all three boroughs asking that they verify the accounts that were listed by providing the legal documents associated with them. They did not provide any documentation verifying the information within the 30-day timeframe, and also marked the investigation as complete. I was advised by Experian and XXXX  that the accounts will remain on the credit report because they had been verified. I sent a follow up letter requesting they explain how they conducted their investigation and it was not responded to. I did not hear back form XXXX  at all. 

In addition to that, Experian refuses to update my account to reflect my correct name, current address, employer, & phone number. I sent a letter early XX/XX/2020 and have also made a follow up call. The representative refused to advise how many addresses they have or where they obtained the information from. When advised that I had no issue with the other boroughs updating that information, the representative stated that it was because Experian " is the best at what they do '' and " have the most accurate reporting ''. That call ended without my demands being met.
Consumer complaint received 2020-09-16
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: CITIBANK, N.A. (TN)

I disputed a charge on line but made a mistake on amount ) $ value. ) So I withdrew the dispute and could no longer dispute on line. I tried to dispute through their chat service and after 2 days and multiple chats they told me they could not help. So I called the credit card company and after speaking with 5 different people they did not help with dispute. I finally asked to speak to someone about canceling my card ( after 1 hour of trying to resolve ) so they tried to transfer me but hung up and canceled my card without my authority. I never said cancel the card I asked to speak to someone about canceling hoping for help with my dispute. I use the card for over {$100000.00} a year in purchases and pay on time 100 percent of the time. I have an excellent credit score. Citi was my credit card bank. Never again will I use any Citi card.
Consumer complaint received 2020-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Early on in my setting up my auto-pay of my student loan with Navient, I set an additional payment beyond the minimum amount. Navient had only applied that amount for a few payments and then stopped applying that additional amount. 
Additionally, my interest is very high ( 6.7 % ) and they will not lower it or refinance it at a lower rate.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

company reported a 30 day late on my account in XX/XX/XXXX during the pandemic in error, they did apologize for the mistake and fixed my 3 credit bureaus, but today XX/XX/XXXX i logged into my account and they changed my account credit limit from {$5900.00} to {$750.00}! Even though they recognized they messed up and cleared it, they reduced my credit limit as if I was a delinquent client.
Consumer complaint received 2020-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-11-13
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: EQUIFAX, INC. (CA)

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-09-02
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I attempted to notify these companies of the proven ID theft I was a victim of with my FTC report and I did not even receive responses from most of the companies who allowed fraudulent accounts opened in my name. 
I am now notifying them and you publically of the error and asking for removal NOW.
Consumer complaint received 2020-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/XXXX I forwarded a tax bill to Lakeview loan servicing, XXXX XXXX XXXXXXXX XXXX XXXX  Va. XXXX for this to be paid out of escrow per instructions at closing. On XX/XX/XXXX over ONE year later I received the same tax bill again, as it remained unpaid. During this year I never received any communication from Lakeview. On XX/XX/XXXX I sent the bill again, this time via certified/signature required. It arrived and the signature on this receipt is COVID-19, date of delivery is XXXX XXXX, XXXX. Apparently they either don't want to identify who picks up mail and signs, or they think the virus is a joke. No professionalism here. It has been 14 days since they signed, I have not received any correspondence once again. I think this extremely incompetent, and I am doubtful that I will receive a reply. Because they did not respond the tax bill has added fees. They have changed my mortgage payment already on two occasions, so if necessary to pay the tax bill I am sure that would not be a problem, as I indicated in my letter to them. I have copies of all documents mentioned. They need to pay the bill!!!
Consumer complaint received 2020-11-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to both XXXX and Experian to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been 57 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2021-07-10
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. (NC)

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. Equifax stated they would remove this information but it has not been deleted.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (VA)

This company Ad Astra Recovery Services Inc is reporting a debt on my credit report that is not mine. On my credit report ( s ) this collection says it was opened XX/XX/2018 and th3e amount is {$1100.00}. I have contacted the company and disputed the reporting with the bureaus. The collection is on my credit report and I have not received an answer from Ad Astra Recovery Services. They are trying to collect money from what I assume is a loan. I have never taken out any payday type loans or fast cash loans. The name of the original company is SPEEDYCASH COM XXXX VA. I do not know if the company perhaps made a mistake and reported my name by accident instead of someone else or if this collection is a result of identity theft. I have tried to resolve this and haven't received any response from Ad Astra or SPEEDYCASH COM XXXX VA in regard to deleting this inaccurate information.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The mortgage company is reporting forclosure on my account in XXXX of XXXX and the house was sold and paid off in XXXX of XXXX. There was no forclosure on my property they tried to do a forclosure fraud in the home. They held up paperwork twice for two buyers so that we would go into forcloser. In XXXX i spoke with several employees from XXXX and i was told the forclosure was a mistake amd it would be taken off, so XXXX my wife and i go to start looking to buy a house and the forcloser appeared again on my credit report so i got back intouch with then amd was told again they would take it off amd did not. so i reached out to transunion amd was told to have them send a email stating that so i did amd was told that a fullfillment department would reach out to me to take care of the issue, come to find out there is no such thing as this department. so now im still battling with XXXX  to have this removed this had caused alot of problems and issues with myself and my family as we are trying to purchase a new forever home. so my last step is to contact the consumer finance to help solve this problem and get this removed off my credit report thanks. again i was lied to for over 3 years now back amd forth from a major mortgage company which i read up on the XXXX and there ratings are not good.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Lender : Dovenmuehle Mortgage ( MI ) Payment Amt : ~ {$1000.00} Loan Term : 15-yr Issue 1 : Lender reported 3 Cares Act, 90-day forbearance payments as delinquent to credit bureaus. Since corrected, but has caused lingering credit score issues as I've had to acquire new insurance and look into loan/mortgage refinancing options.

Issue 2 : Unrealistic hold times when calling in. Sometimes as " short '' as 25 minutes, but have had 45+ min wait times. Have also been hung up on several times resulting in waiting 25+ minutes more than once. They also put you back on hold for extended periods if you ask why something will take weeks/months to resolve.

Issue 3 : Phone payment NOT POSTED after being made 2 weeks ago from time of this complaint submission. 

Issue 4 : Online payment ability locked out while waiting for 6 weeks for a LOAN MODIFICATION, with no end in sight. Forced payment by phone for additional fee that has NOT POSTED ( see issue 3 ). I am aware there was a way to pay by mail, but if that wouldn't have posted either, I would have had to cancel the check by this point.

Issue 5 : Can not get a current 10-day payoff statement because of unposted payment. Can not finalize any mortgage refinance without this information being correct or risk the settlement being overpaid to Dovenmuehle ( which can not happen for obvious reasons ).

In summary, I am being held hostage by Dovenmuehle because I  requested a loan modification in lieu of the deferral of the 3 months of payments like they keep trying to push on me via phone, email, letters. They will not give me a timeline on when the modification will be done ( just saying 'We 're very busy because there was a lot of requests ' ).

Update : I'm going to just accept a deferral so I can move on with my life, refinance, and forever sever my relationship with Dovenmuehle. IMO, there's been no reason for any of these actions by Dovenmuehle outside of trying to force people into an undesired outcome. They have made this period of economic uncertainty much worse and significantly more stressful than it needed to be.

NEW ISSUE : After agreeing to deferral, they are telling me it may take WEEKS to resolve and get the paperwork/account updated online.
Consumer complaint received 2020-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This XXXX  XXXX, account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with Transunion, XXXX, and XXXX  and still received no results. They keep passing this account on leaving it open.
Consumer complaint received 2017-12-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Orions Management Group, LLC (NY)

I only owed XXXX XXXX XXXX dollars. When I was goin to pay on my assigned date the electronic fund was goin to take place .they closed my account abruptly and sold it they said. I tried to get info on where to pay to avoid further problems and they did not know who it was sold to. Then a guy who harassed day and night and talk to me forcibly and told me I was goin Togo to jail said I owed XXXX dollars which I didnt. I wouldve paid this off already but its not fair theyre harassing me and now send me calls that they are the irs and are suing me and Goin to put a lien against me and its not even the right amount. They call me constantly saying they are goin to a judge in a few hours to have me deposed.or that they are the irs and are goin to take it out of my paycheck.or that theyre the govt and are trying avoid having me arrested and the call till XXXX XXXX
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc. (NJ)

I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$1100.00} Account # XXXX. I did not make or authorize this charge. I am requesting that the charge be removed on all accounts from your company record and remove ASAP from three major credit bureaus. Disputed Account # XXXX Original Creditor XXXX XXXX XXXX XXXX. Total Amount Claiming : {$670.00} and {$960.00}
Consumer complaint received 2020-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

Earlier this year I tried to send someone {$150.00} thru ' Cash App. The person was never able to get the money and his bank told him that he couldn't use cash app becuase they have their own " system '' and any such transfer of money using that bank would have to use their app. Numerous attempts have been made to get a refund, but getting back money from Cash App is about as easy as walking on water or bringing the dead back to life!!!. 

All I've been trying to do for the past 3 months is get a refund. Cash App has made sure to give me the biggest run-around you could imagine, so much that I am forced to think of them as " SCAM APP '', rather than anything else. 

Aill I want to do at this time is get back my {$150.00}. I am on Social Security and could really use my money.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (DE)

On XX/XX/XXXX, I first contacted the credit bureaus regarding a dispute with creditor, American Express. While reviewing my credit reports, i noticed that American Express has been re aging debt so they would appear as active. They are reporting these accounts as new, changing the date of last activity, reporting late payments on a charged off account. I recently wrote to the credit bureaus to ask for validation of the debt and how was this debt verified. American Express when receiving my disputes update the same accounts by changing the dates, so they can continue to report them as new, which hurts my credit score tremendously. 

They are re aging these accounts which have been charged off. One account they are reporting activity in XXXX and these account was charged off in XXXX. 

American Express refuses to delete the accounts from my credit reports. They have violated the law and have not provided any validity to this debt. They only say its been verified.