davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Hello, In XXXX of XXXX I switched from a renter 's insurance policy to homeowners. I reported the change and provided proof of the new policy and the policy number to Dovenmuehle Mortgage ( DMI ). 

In the following month I received notice that I would have lender-placed hazard insurance placed on my property. I then saw my insurance payment on my escrow statement adjust upwards to the amount of my new premium.When I called DMI to ask about this, I was told to IGNORE the notice, as my new insurance had NOW been property recognized, so the lender-placed hazard insurance would be removed, and I would not make any payments towards it. I ignored the notices as instructed. 

In XXXX / XX/XX/XXXX, I became aware that DMI was nonetheless charging me for supplemental hazard insurance at an annual cost of {$5800.00}, and adjusting my escrow payments accordingly. I called on XX/XX/XXXX, and once AGAIN sent in my new policy. I was AGAIN assured that my new homeowner 's policy was comprehensive, that the hazard insurance would be taken off, and that no payments reflective of the hazard insurance had been made or would be made. 

A few days later I received a notice of cancellation for the hazard insurance as expected ( attached ). I hoped that would be the end of it. 

However, on my most recent escrow statement, dated XX/XX/XXXX and received by me on XX/XX/XXXX, I see that NEW hazard insurance has been placed, this time at an annual cost of $ {$2400.00}. See most recent escrow statement, attached. 

This means that, not only were the assurances of getting this redundant insurance issue fixed not kept, DMI placed NEW hazard insurance on my property AFTER the XX/XX/XXXX cancellation of the prior lender-placed insurance, without federally required notice to me. 

The amount of the new lender-placed insurance appears to be drawn from an outdated personal homeowner 's insurance policy, indicating that this may be a clerical mix up. The fact remains that my escrow statement shows a charge for lender-placed insurance I was not informed of, and my auto-draft payments will now be including monies for this purpose. 

I have once again attempted to resolve with DMI. They once again have AGREED that my own homeowner 's insurance policy is sufficient for their requirements and I DO NOT require any additional insurance. However, I am still waiting for them to have all lender-placed insurance charges removed from my escrow, have a new escrow statement calculated, and have this matter resolved as it should have been when I provided my new policy in XX/XX/XXXX.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I contacted Capital one on XX/XX/2020 to let them know I am out of work due to the coronavirus and unable to make payment. They place me in a deferment program until XX/XX/2020. Two days ago and today I receive an alert from my credit report stating that Capital one showed a 30 late payment or my credit report. I contacted them and was informed that the program that I was placed in was incorrect and that after today I would be placed in this new program given my previous and current situation. Capital one gave me XXXX credit for my late fee and stated that as of today I am showing 36 days late. I stated that when I called I was not late and was not made aware and clear on deferment due to virusI requested. I stated this would have prevented me from being late if entered or advised correctly. I've not been late with Capital one in years until this pandemic. I was told to contact the credit bureau directly to dispute and I did. I am awaiting response.
Consumer complaint received 2020-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

THIS COMPANY LVNV FUNDING LLC JUST SHOWED UP ON MY CREDIT REPORT TWICE, ONCE FOR {$690.00} FOR XXXX XXXX, AND ONCE FOR {$280.00} FOR XXXX? I HAVE RECEIVED AN OVERWHELMING AMOUNT OF EMAILS FROM THIS COMPANY AND HAVE ALREADY DISPUTED WITH THEM THAT THESE ARE NOT VALID ACCOUNTS. THEY HAVE DONE NOTHING TO PROVIDE ME WITH ANY LEGALLY SUBSTANTIAL DOCUMENTATION SHOWING TIMELINE OF MY OWNERSHIP OF THESE ACCOUNTS! THESE ACCOUNTS WITH THEM NEED TO BE REMOVED ASAP! JUST AN EMAIL " STATEMENT '' FROM THEM DOES NOT PROVIDE PROPER VERIFICATOIN OF DEBT BY LAW. BOTH OF THESE ACCOUNTS NEED TO BE REMOVED. I DO NOT OWN THESE DEBTS.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (OH)

To Whom It May Concern, The reason for my dispute is DIVERSIFIED ADJUSTMENTS {$XXXX} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DIVERSIFIED ADJUSTMENTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DIVERSIFIED ADJUSTMENTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED ADJUSTMENTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED ADJUSTMENTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DIVERSIFIED ADJUSTMENTS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-04-10
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. (FL)

I'm writing, because i don't recognize this account. I had a problem before, somebody used my information and applied for credit cards. I never had any contracts with this company, i'm not responsible for this debt
Consumer complaint received 2022-12-29
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late date from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX an Account that I had with the Bank of America was to have received a {$200000.00} wir e transfer. I was unaware that the wire transfer was to happen and did not find out until XXXX, wh en the business sold that this automatic payment was supposed to happen. With that I contacte d the Sender of the wire and they proved that the funds left their account, yet there is no record of the incoming wire. There was also no return of the funds to the senders account. Under further review it is evident that Bank of America in transferring the wiring instructions made an error and used the wrong account #. Bank of America claims that the time period of 7 years has expire d and that I am out of luck. I find this to be inexcusable and would like satisfaction of the amount owed me. This is nothing short of theft. Below is a list of pertinent information. My Account information : XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Bank of America ) The Account information of the Sender : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX The Monthly Statement from the Sender states the funds went to account XXXX XXXX XXXX the first four digits of my ac count is XXXX, NOT XXXX. The senders statement also shows no return of the funds which never raised a red flag on their behalf. Bank of America still has the funds therefore and regardless of t he period of time that has passed regarding keeping of Statements, {$200000.00} would show up at t he end of year balance sheet. I have all documents to send to the Office of the Comptroller. I look forward to your response.
Consumer complaint received 2020-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

This company reports that there is a balance with XXXX XXXX but the account was paid in full. On XX/XX/2020 this account was remarked as affected by the natural disaster and due to XXXX and losing family members I cant pay extra money that I dont have. I would need this company to provide the original contract from XXXX XXXX supporting services rendered. If contract information is provided then my HIPPA rights will be violated. Please delete this account permanently from my credit report.
Consumer complaint received 2022-12-29
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

Hello CFPB, I have attempted to resolve issues with Experian, XXXX and XXXX for the last 60 days now. I have not heard a single response back, nor have I had any updates on my credit profile. This has gone on for far too long and I demand for your team to force the agencies to take action. 

The dispute information is attached in each letter.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (WA)

On XX/XX/2020, I received a letter from PayPal, dated XX/XX/XXXX, stating that I was automatically being signed up for a credit card and that it would be sent unless I opted out via there website. As far as I know, it is illegal for someone to issue a credit card in your name without your consent. What if I didn't get the letter, or not in time? If this is not illegal - it should be. I'm sure I'm one of millions who received the same letter. This must stop. Please stop them from doing this.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I have no knowledge of this debt and it is not mine.Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore they are reporting misleading false accounts
Consumer complaint received 2022-12-29
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OR)

On Friday, XX/XX/2020 I went to the Customer Service counter at Walmart, XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I indicated that I wanted to send a MoneyGram to a fellow XXXX in XXXX. 

They asked for my ID, asked who I was sending the money to, how I knew this person ( we are fellow XXXX with a relationship between our XXXX ), what was the money to be used for ( food ). The customer service representative ( a misnomer ) insisted that this was a scam. 

I tried to explain my relationship with the recipient, though not understanding why this person was the judge and jury for whether or not I would be able to send the money. She said she would not send it but would get her manager. 

The manager arrived and asked the same set of questions. When I questioned why this was necessary she said that " federal laws require that I ask these questions, '' and that it was up to her whether a MoneyGram transfer could occur. 

When I had answered her questions with the above information and she was unwilling to help, I suggested that she was being a bit unreasonable. She then told me she would not send it. 

Embarrassingly, and very much out of character, I used a profanity and left. I went to another location and sent a XXXX XXXX transfer without a problem.
Consumer complaint received 2020-04-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (WA)

Greetings, I have submitted a complaint a couple months ago in regards to a scam/fraud that I was involved with in XX/XX/2019. The Executive Response Unit from CITIBANK was assigned to me to work on this investigation with " XXXX XXXX. '' I have tried to get in contact with her to follow-up on this investigations with no response or updates.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

To whom may concern Report # XXXX and # XXXX don't verify the alleged debt from your company. ( FFCC provided a simple bill which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt ) you have violated at least three sections of this act by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) ( your company still conveying information to the credit bureaus regarding a debt ) Pursuant 15 usc 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium ) THIRD TIME I MAKE YOU AWARE OF FDCPA violations ) 3. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) You have willfully reported an unverified and disputable debt to the credit bureaus. which is a violation of the Fair Credit Reporting Act. I will state again in this certified complaint that you have failed to verify the debt as accurate, you have provided no proof of this alleged debt pursuant 15 USC 1692g ( failed to provide me with the 5 things required by congress ) If I receive anything other than absolute proof from you, provided by the original creditor, I will assume you are harassing me and ignoring my cease and desist, and I will take action against you for these continued violations and abuse. 

Opportunity to cure ( attached )
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

my phone was stolen i went to check my bank of america bank account and noticed there was a pending deposit of a check in my account that i did not make i immediately called the bank and told them that my phone was stolen and i think somebody is trying to do something with my account so i closed my account and the rep told me that was a good idea and she was glad i caught it. about two weeks later i tried to open my account back up and they told me i could that i was red flagged and now i cant get a bank account.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
1. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This late payment status is irrelevant XXXX XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX Please see the attached file.