davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Due to a COVID hardship, I requested a deferment on my mortgage. This began XXXX of XXXX. I was notified by XXXX XXXX XXXX Dovenmuele Mortgage XXXX XXXX of XXXX that my deferment had expired and I needed to begin making payments. Which I did at the end of XX/XX/XXXX. They stated that once I made three payments in a row, they would send me a partial claim packet that I would need to fill out, have notarized, and once they received my packet, they would reinstatement my loan. They stated that HUD would pay half of my arrears and the remainder would be added to the end of my loan. 
I expected this packet in XXXX of XXXX but it has yet to come. Since then, Ive been in constant contact with XXXX XXXX XXXXDovenmuehle XXXX asking for the status of my reinstatement/ partial claim packet and I can not seem to get a straight answer. I keep getting different responses such as, I do see you are approved for a partial claim, you should be getting a packet anytime. And I dont see anything in my system. I will escalate your case to management and someone will get back to you. I am now calling everyday and no one is helping me. Ive been in touch with FHA for help and they mentioned they are going to investigate the matter but they were told that the packet has been sent to me, so FHA closed my complaint. Still no packet has arrived and its been a month and a half now since my contact with FHA. 

I am getting certified letters from The Wolf Firm notifying me that I am now in foreclosure even though I have been making my payments since XXXX of XXXX. I can not even get a straight answer as to where my XXXX payments are being applied and where the money actually is. Some XXXX XXXX agents have told me that I am 26 months behind but its been 28 months currently since my deferment started but it has not been 26 months that I have not made a payment. 

Recently, an agent finally provided me with an email for Loss Mitigation so Ive been emailing my requests to them to no avail. I have never received a response. 

Im getting letters, occasionally from Right start ( duplicates ) on the same exact day or letters that are dated months ago and Im just now getting them.

I am getting harassed by tele-marketers wanting to capitalize on my foreclosure. They are even contacting my kids and family using scare tactics. I am not sleeping, I am stressed and sick. 
I cant even focus on my work. 

I need someone to help me please. I am doing everything I can to remedy this situation and I have been making payments. I will be homeless soon if this doesnt get situated. I am not running away or hiding. Ive been facing this and have been taking days off from work to be on the phone for days at a time and it shouldnt have to be this way. I would greatly appreciate your help. 
Thank you,
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello, after reviewing my credit report, I've noticed two unauthorized inquiries on my report. I have tried contacting the company individually and Equifax credit bureau with no assistance. I really need these deleted/removed, it is affecting my credit worthiness. 

XXXX - XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 2020
Consumer complaint received 2022-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

A job reached out to me from XXXX and I interviewed and got the job. I filled out paperwork and got a check for my hardware and I deposited it. It was {$2800.00} Then I had to wire money to XXXX XXXX XXXX at Bank of America with the account number of XXXX and routing number XXXX. Then they called asking for more money and I got skeptical. I tried cancelling the wire transfer but they didnt seem hopeful and couldnt promise me anything. The fake company XXXX XXXX posers sent me yet another check through email which Im supposed to deposit on Monday but Im keeping them on the hook until authorities can help me. 
I spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days 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 a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by XXXX  data breach and may have gotten into the wrong person hands. I used this link below. 
XXXX  Breach Inquiry Link XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY ASSOCIATES : PURCHASERS OF XXXX 
Original creditor is XXXX XXXXXXXX XXXX. Account sold and resold to Portfolio, who claims ownership to account with the thundering statement of : " The original amount of this account was {$520.00} ''. 

No further clarification as to when or where or what was purchased. Just an existing balance with an incorrect date of last account activity/payment. No XXXX XXXX records custodian signing of on a paper trail of account ownership : just an existing amount - pay. 

Date opened - Date of Status : XX/XX/2017? Was that when XXXX XXXX was used to make the last purchase or when the last payment date was made? no paper trail offered - just an existing balance : pay.
Consumer complaint received 2019-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/XXXX I initiated a dispute through TransUnion for an item in collection through XXXX XXXX XXXX That debt, assigned XX/XX/XXXX for {$200.00}, is inaccurate. It was paid via XXXX XXXX ending XXXX in the amount of {$130.00} on XX/XX/XXXX. I sent the credit card statement showing that charge, which originated from a XXXX visit on the aforementioned date. Numerous attempts to contact that collection agency via phone and traditional mail have proved unsuccessful, which is precisely why I dispute the transaction. 

Since XX/XX/XXXX, I have received no updates or follow up from TransUnion regarding my dispute. Their " Online Status Checker '' simply states " n/a '' for estimated completion date and status updated. Obviously more than 30 days have elapsed.
Consumer complaint received 2019-09-25
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (LA)

When my husband lost his job I closed my American Express account unaware that I would have to pay the balance in full. After alot of back and forth I was set up with a payment plan through a collection agency. I was assure that the my account and credit reporting information would show current. After paying the collection agency for over a year on time American Express XXXX XXXX XXXX 'd my account and sold it. They said I was past due even after I explain my arrangement. I then pulled my credit report which showed past due for all the months I paid on time. I got a letter a few months after contacting them and was told they made a mistake and corrected my credit report to show on time for 6 months. I heard nothing more from them. I called today after pulling my credit report again and finding they are still reporting me past due and attempted to make arrangements again. They agreed to a monthly payment of {$100.00} until they account was paid but stated they would continue to show me past due until the account was paid in full. Paying on time every month will do me no good in repairing the credit they destroyed.
Consumer complaint received 2021-04-17
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. (NY)

I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my child.
Consumer complaint received 2021-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I sent 1st Letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) stating to send me proof that the debt was valid bearing my signature. No communication was sent from LVNV FUNDING LLC. The 2nd letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) where again I asked them to validate the debt to send me proof bearing my signature nothing was sent. I got a letter from XXXX on XX/XX/21 stating that " we verified that this item belongs to you '' I have never had any type of communications from this company nor received any proof from them to validate this debt which is not mine.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

XX/XX/2021 Columbia debt recovery llc did an Hard inquiry for a installment loan on my XXXX  credit report. This is a fraudulent charge that needs to be deleted asap. I never received documents requested by me sent by certified mail to Columbia debt recovery llc.
Consumer complaint received 2020-02-20
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)

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX   XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Consumer complaint received 2020-02-20
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX signed me up without my permission and included me in Experian Credit Protection without my permission. I in turned went to the Experian account online and requested the removal of the credit inquiry from XXXX and to remove my name from their protection account file. They then released my name and phone number to thousands of insurance companies, financial help sites, bankruptcy attorneys and so on. I am getting 500 calls a day and can not get it stopped. HELP.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have received a new account credit card with XXXX XXXX which is XXXX XXXX. Signing up for said card, I was promised they would report my account and history to all 3 Major Credit Bureaus every month. Monitoring my credit reports, I see that they have reported to only two credit bureaus, and not to Transunion. This has effected my credit score in a negative manner.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I just received my rein-investigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). 

Equifax also sent a letter stating that they have outdated information. 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


XXXX. XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX XXXX  XXXX Account number XXXX ( PAID OFF ) ' XXXX XXXX XXXX  Account number XXXX ( PAID OFF ) They did not modify or delete the inaccurate information on my consumer report to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-12
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$230.00} ; XXXX XXXX XXXX XXXX XX/XX/2020.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX XXXX XXXX XX/XX/2020.
Consumer complaint received 2019-08-21
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: Experian Information Solutions Inc. (NV)

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX   XXXX,  XXXX,  XXXX XXXX XXXX ,  XXXX/XXXXXXXX,  XXXX XXXX XXXX, XXXX XXXX XXXX,  XXXX 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
Consumer complaint received 2020-02-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates is reporting a paid off debt from XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX was Paid off a long time ago XXXX XX/XX/XXXX. Acct # XXXX Portfolio Recovery Associates began reporting XX/XX/XXXX that I still owed XXXX XXXX ... Acct # XXXX. 

I reported to XXXX that this is incorrect and asked for an investigation. XXXX disputed said debt and claimed that it is resolved and I disagree. This is still on my credit report showing as I owe {$450.00}. 

Portfolio Recovery Associates and XXXX will not return any evidence showing validity of debt or why in XXXX this is being reported when debt was PAID in XXXX. 

I have uploaded statements and proof of debt being PAID and neither company will fix this.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC ()

I demand that the lawyer named XXXX XXXX XXXX, of COOLING & WINTER LLC, to produce proper documentation for this claim. This lawyer is required, by law, to produce elements such as, but not limited to : the original agreement with XXXX XXXX XXXX, XXXX. with my signature. 
all of the receipts for every transaction that I engaged in during the entire life of the use of the credit card account ending in XXXX, with details of the purchase in each of those transactions. 
payment record during the entire life of the use of the credit card account ending in XXXX up to now. 


On XX/XX/2018, XXXX  XXXX XXXX, XXXX. revealed to the Consumer Financial Protection Bureau ( CFPB ) that the credit card account ending in XXXX was transferred to COOLING & WINTER LLC. Yet the name of XXXX  XXXX XXXX, XXXX. is printed on the case # : XXXX, filed in / registered by the MAGISTRATE COURT OF XXXX in the State of Georgia. 


My request for production is legal and all of it is required by law, in order for, the lawyer named XXXX XXXX XXXX, of COOLING & WINTER LLC, to properly enter the courtroom of the Honorable Judge XXXX XXXX, located at the MAGISTRATE COURT OF XXXX in the State of Georgia.