davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. A XXXX XXXX XXXX XXXX  has been impersonating me. on XX/XX/2022 ( XXXX ), she took unauthorized photos of my son XXXX XXXX XXXX and posting them on XXXX. She has been pretending to be me for years. XXXX XXXX XXXXXXXX XXXX is a dangerous individual, scammer, impersonator.
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC  
ACCOUNT XXXX 
OPEN XXXX  
BALANCE XXXX UPDATED XXXX
ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 
PHONE NUMBER XXXX XXXX XXXX 

I AM REQUESTING THE VERIICATION OF NEGATIVE ITEM, IN PURSUIT TO THE FAIR DEBT COLLECTION PRACTIES ACT, 15USC 1692 SEC.809 (b). YOU ARE REQUIRED UNDER THE ABOVE NAMED TITLED AND SECTION, TO SHOW YOUR LAWFUL AUTHORITY TO COLLECT ON AN ALLEGED DEBT CLAIM; I AM REQUESTING THE FOLLOWING ITEMS:

- THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR 
-  A COPY OF THE ORIGINAL CONTRACT BETWEEN MYSELF AND THE ORIGINAL CREDITOR 
- THE ORIGINAL APPLICATION FOR THIS ACCOUNT WITH MY SIGNATURE 
- A COPY OF THE AGREEMENT AUTHORIZING YOUR COMPANY TO COLLECTED ON THEIR BEHALF OF THE ORIGINAL CREDITOR 
- FULL DETAILED ACCOUNTING HISTORY ON THE ACCOUNT AND CALCULATIONS ON HOW THEY REACHED THAT AMOUNT OWE.
- PROVIDE VERIFICATION ON ANY JUDGEMENTS CONNECTED TO THIS ACCOUNT 
- PROVIDE YOUR LICENSE TO COLLECT IN MY STATE AND YOUR REGISTER AGENT NAME WITH THEIR ADDRESS 
- PLEASE SHOW PROOF THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED IN MY STATE FOR THIS ACCOUNT 
-PROVIDE THE DATE OF THE LAST PAYMENT ON THIS ACCOUNT. 

PLEASE PROVIDE THE ANSWER TO THIS REQUEST IN WRITING WITHIN 15 DAYS OR I WILL BE FORCE TO TAKE LEGAL ACTIONS

THANK YOU FOR YOUR COOPERATION 

XXXX XXXX
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SN SERVICING CORPORATION (MI)

On XX/XX/XXXX I sent XXXX XXXX a copy of my homeowners insurance it was over {$1000.00} less that what was listed on my escrow statement. I never heard back from XXXX. My Escrow payment increased to {$580.00} that is {$7000.00} ( {$4000.00} ) Surplus. I asked that it be adjusted with the proper cushion. My payments increased to {$1300.00} over XXXX I can not afford that. My husband has been very XXXX and currently undergoing XXXXXXXX XXXX. The previous response did not even address my concern. If this isn't the right area please direct me to the proper agency to contact. Thank you.
Consumer complaint received 2024-04-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

Dear Sir or Madam : 1 received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : XXXX & XXXX XXXX XXXX Derogatory marks XXXX XXXX Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. {$1600.00} et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also pursuant to 15 U.S.C. Section 1681d of the Act, -rsuant to 15 U.S.C . Section 1681d of the Act, You may send an updated copy of my credit report to the below address 2017 E court according to the provision of Section 168lj, there should no charge for this notification.
Consumer complaint received 2023-06-07
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: Bridgecrest Acceptance Corporation (GA)

Around XX/XX/2017 some opened a credit card with XXXX without my knowledge. I disputed the account and XXXX refused to remove the card, even though I have a police report and supporting documents proving the account is not mine. The account was opened in Hawaii. Which I have never lived there. Also I have Submitted Disputes with XXXX XXXX XXXX and Bridgecrest and have received the same results, along with XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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. (GA)

I have reported to all three credit repoting agencies, that XXXX XXXX XXXX was opened in my name without my consent. Attached with be the police report and FTC report to support my claim.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

Incorrect name. 
Correct name is : XXXX XXXX XXXX I would just like XXXX, XXXX and Experian to correct it. 
I have submitted my drivers license and they wont correct it.
Consumer complaint received 2023-06-07
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: DISCOVER BANK (GA)

Around XX/XX/2017 some opened a credit card with Discover without my knowledge. I disputed the account and Discover refused to remove the card, even though I have a police report and supporting documents proving the account is not mine. The account was opened in Hawaii. Which I have never lived there. Also I have Submitted Disputes with XXXX XXXX XXXX and XXXX  and have received the same results, along with XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (GA)

I have reported to all three credit repoting agencies, that XXXX XXXX XXXX was opened in my name without my consent. Attached with be the police report and FTC report to support my claim.
Consumer complaint received 2024-02-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX Amex gift card not working. Called to have them replaced but for ore than a year got the run around and every time I called ( XXXX ) XXXX they would say to call back in 48hrs. Called more than 20 times. Never getting anywhere. Below are both defective cards. XXXX XXXX. XXXX. 
{XXXX  Amex gift card. XXXX exp. XX/XX/year> code. XXXX XXXX  Amex gift card. XXXX exp. XX/XX/year> code. XXXX
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account on XX/XX/XXXX without telling me the reason and said they will send me a check back for my balance in my closed account which is about XXXX dollars. After XXXX week they said they need to review the funds source and hold the money. After XXXX month when I called them, they said told me the hold harmless department is holding the money and will not give back to me in the future. I asked for a explanation and they are not giving me the answer.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I used Chase Sepphire Preferred card as they provide insurance for trip cancelations. My flight got canceled due to weather. When I filed the claim they refuse to refund my partial ticket even though my flight was canceled due to weather. I provided all the proofs including the new ticket I had to buy to get back home but no luck.
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (CA)

My current mortgage servicer, Chase Home Lending, repeatedly sends me marketing emails and marketing letters, despite my repeated requests to stop sending me marketing emails and marketing letters. Chase acknowledges that I have opted out of all marketing as of XX/XX/2023, but it still repeatedly sends me marketing emails and marketing letters. Additionally, the Chase marketing emails do not contain opt-out information. All this is in violation of the CAN-SPAM Act, a federal law that gives me the right to opt out of marketing emails. This also impacts my rights as a borrower with a mortgage loan, as some of the emails seem to request early payoff of my current up-to-date loan, which could be construed as an attempt to collect debt that does not comply with the Fair Debt Collection Practices Act ( FDCPA ), as email communication is inconvenient to me. I am attaching copies of the Chase emails that I continue to receive, my marketing settings, and my repeated requests to stop the marketing and non-essential communications.
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc. (CA)

I always paid my mortgage on time in full amount since I get mortgage XX/XX/XXXX with XXXX. In spring of XXXX I received a letter at the address of XXXX XXXX XXXX, XXXX from XXXX mention they are transferring the mortgage service to another company and more deails will follow. Then I never received any related notice since then. Because I use auto payment for my mortgage so I assume everything was fine. Plus both of my parents were sick and passed away in XXXX, I didnt have energy to monitor everything all the time. In XX/XX/XXXX, I just noticed my mortgage account couldnt be accessed from XXXX online portal, I called XXXX right away and was told the mortgage was transferred to Dovenmuehle, I called Dovenmuehle and was told my property is onhold to prepare for forclosure ( not yet ). I was shocked because Dovenmuehle never notified me in any way ( mail, email or phone ) regarding the transfer and payment due and I didnt know my auto payment was broke either. I called and emailed Dovenmuehle for many times, no response at all, customer service just said they could do nothing about it. I had to reach out XXXX for help. With XXXX help, finally Dovenmuehle sent me the reinstatement payment, I informed XXXX and Dovenmuehle that Im ready to pay whatever the owing amount right away upon I received the statement. It turned out XXXX still put my property under foreclouse when Im reviewing the received statement and ready to pay any time then. Being shocked and desperated is completely underestimate my situation. I paid off all the loan required by them at the end of XXXX. It turned out I just noticed recently my credit score dropped XXXX points!!!!!!! Because of this. In my whole life I have never delayed mortgage payment, this delayed payment in my credit history is because Dovenmuehle mailed the notice to the wrong place and they never emailed me. ( when I called their customer service, they even had no any my contact information in their system, unbelievable!!!!!! ). You can see all the delayed payment happened since Dovenmuehle took over the mortgage service. Except this incident, I never delayed any mortgage payment from any banks in my whole life. 

In the past few months, I called Dovenmuehle service for many times, most of them they just put through other team/department and nobody would solve any issue even just a small thing like updating SSN. Wehn I called Dovenmuehle for the first time regarding the mortage, they even didn't have any of my contact in their system except the loan. It took them a few months to just update my SSN in their system but they couldn't wait to put my property on foreclosure even though I aready agreed to pay right away. Their customer service asked me to email 3 of their email boxes ( XXXX, XXXX and XXXX XXXX XXXX  ), I did for a few times, nobody responded at all even though I put high importance sign. The terrible experiences can go on and on. I have emails to prove what I said.
Consumer complaint received 2024-04-04
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. (TX)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-04-28
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. (NC)

On XXXX XX/XX/23 XXXX XXXX violated my rights, by reporting false information on my report, that result in multiple ( 9 ) late payments, i wish for these late payment be removed from my report immediately!
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

This serves as an effort to rectify inaccurate information present in my XXXX XXXX as published by your company. Following a XXXX  denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2015-04-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage became a servicer of my mortgage from the original provider XXXX Mortgage. At the time the servicer and my mortgage changed hands my records did not match XXXX 's regarding balance and amounts due payable. Previously I had spent a very significant amount of time with XXXX going through reconciliations and they resolved some of the matters and applied funds that had been received and not credited to my account. When Nationstar took over I disputed the balance and stated several references and factors. Nationstar did an incomplete review and major discrepancies continue to exist. Meanwhile, fees upon fees and charges stack up. That should not be occuring. Nationstar has not been trying to resolve or look into my matter or concerns and is not acting as mortgage servicer, but as a debt collector. They continue to send foreclosure notices despite the balance they inherited being disputed. I continue to recieve non stop calls and no one is willing to seek a solution or look into my matter for resolution. In a most recent example on XXXX/XXXX/XX/XX/<YYYY> I received a call from the XXXX XXXX number. I asked to speak to the representative assigned to my account and property. This is a woman who I have received letters from Nationstar stating that I should contact to discuss my account specifics. However, everytime I try to call the number it does not go through to the woman. The person that called me today had no record or records of this or the womans name. When I asked to speak to a supervisor I was placed on hold for over half an hour with no check in or ability to speak to anyone before I disconnected.
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio recovery calls a minimum of 10 times a day from XXXX voice numbers to collect on a debt that I do not owe. The charge account was my soon to be ex-wifes name, and I never had access or used the account.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (OH)

On XX/XX/2022, I purchased a Vanilla Visa prepaid giftcard with a {$200.00} balance from XXXX XXXX in XXXX, OH. On XX/XX/2022, I registered the same Vanilla Visa prepaid giftcard online in my name. At that time, I created and opened a Vanilla Visa customer account using this prepaid gift card. Subsequently, I called Vanilla Visa to report the card was lost or stolen. The Representative placed a block on the card using the prepaid card number on my XXXX 's receipt. She confirmed the entire {$200.00} prepaid balance was still untouched and available. Then, she advised that per Vanilla Visa policy, they will cancel the card and mail me a new one. The Representative emailed me a Claim Form with a request for documents to complete, sign and return. On XX/XX/2022, Vanilla Visa sent a confirmation email that it received my Claim, Reference No. XXXX. Their confirmation email promised resolution in XXXX days at the very latest. But, nothing has happened. In 2 follow-up phone calls, Vanilla Visa XXXX said the matter was pending. I feel like they plan to do nothing and just steal my money. This is a violation of Vanilla Visa 's internal Claim submission policy and its card replacement policy.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

It has been over 50+ days and neither Experian XXXX XXXX or XXXX has responded by to my disputes. I have sent numerous dispute letters to have accounts improved from derogatory to current status because they have been paid as agreed, but they continue to report these accounts as negative. Because of their continuous stall letters and tactics saying that I am not who I say I am and will not proceed with the investigation, they have violated my rights as a consumer under the FCRA because they have failed to respond to my requests in my timely manner. 

I have attached letters and and responses.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Several of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XX/XX/XXXX third court date for XXXX XXXX XXXX XXXX for Motion for relief from automatic stay. They sold our property on XX/XX/XXXX for {$240000.00} back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for the  certificateholders of the XXXX XXXX initial publication of the Notice of Sale was : $ XXXX.Mortgage Servicer Specialized Loan Servicing failed to evaluate or consider our loss mitigation application giving us the runaround about paper work sent or not sent and foreclosed on our loan knowing we were in default. Than a notice of sale was posted on our door .Statement fees and balances change drastically due to dual tracking and being put in foreclosure prior. On XXXX website ( XXXX ) house states sold on XX/XX/XXXX for {$240000.00} asking price XXXX They state its a 3 bedroom 2 baths with 2 units.Its in fact 1 bedroom NO garage NO 2 units. XXXX  states same and XXXX {$300000.00}.
Why would they keep asking for the courts blessing of the sale it was supposely SOLD legally?
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :