davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MO)

This is kind of a long story, but will try to make it short. In XX/XX/XXXX hired XXXX XXXX. Paid XXXX for 3 months, within 2 months had all paper work in for them to connect to servicer, but in XXXX there had been no progress, had to cancel. Tried to get money returned to me. but to no avail. I was so naive that hired another company called XXXX XXXX in XXXX XXXX sent documents and yet again out XXXX dollars because they did nothing to stop foreclosure. House was sold back to to servicer in XXXX. I had talked, emailed, called everyone I possibly could, then the virus shut everything down. I refused to give up, a few months later. Got a call and was given a forbearance for 6 months, thinking that they were finally going to work with me. Yet again was fooled it was just for them to by time to sell it yet again. knowing that i had year to get back. I do believe i was scammed and also think Dovenmuehle was duel tracking me with no intention to helping, because they checked my credit in XX/XX/XXXX that I just recently seen on my credit report. I also tried to get a lawyer on this, but was told the bank would just keep throwing money into the lawsuit and be able to win. Now today Iam faced with surrendering my home to someone that bought for cheap when it doubled in value and i have worked so hard for the last 7 years to get, destroyed my Credit have nowhere to go because I was given a letter 10-day demand possession. Thanks, I do have documents to back me up. You can reach me at XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I applied for a furniture store account and for some reason they couldnt process the application. Ive grown accustomed to my credit and adviser action being used towards me when I tried to get any from of credit since I had Identity Theft happen to me accounts wont open for me. But they the companies and hackers and or harassment groups for hire can get loans in my name and use it to portray me to be this person thats the cause. Ive yet to by law the right to dispute and have the identity theft accounts removed. I cant even get a real credit report off XXXX is very sad when corporate giants are up against you. And the same laws dont apply.
Consumer complaint received 2023-03-22
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: DISCOVER BANK (NY)

I'm composing this complaint to DISCOVER BANK. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.
Consumer complaint received 2022-07-23
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : 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 a account without my written instructions.
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I sent merchants and medical a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021. in regards to inaccurate accounts with XXXX XXXX XXXX  i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

CREDIT MANAGEMENT Last reported XX/XX/XXXX {$270.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( 3 yrs, 6 mos ) I have filed multiple dispute letters and have tried all means to get this XXXX cable bill off my credit it is reporting on XXXX  only. I am a victim of identity theft i sent this company the letter i received from the social security office as well as from the U.S Marshals. I have been XXXX  since early XXXX. There is no way this belongs to me. I've tried to communicate with them but they fail to respond. I was released XX/XX/XXXX of XXXX. This is debilitating my chance to progress. I need help i do not know what else to do? I've sent 5 letters from XXXX with the dates i was XXXX  and they just ignore my letters. All my letters have been notarized and sent priority mail from inside of XXXX. They're reporting this account and another one which i will file a complaint with as well. I included a fraud letter and the letters from the U.S marshal 's and to no avail. Thank you for your time.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MD)

The response provided to the XX/XX/XXXX and prior complaints does not substantiate the credit reporting. 
1. If debt was purchased by law NCA is required to notify and allow 30 days for response. This was not done. I was denied the right of debt validation and verification. Attached documentation provided toXX/XX/XXXX and documentation associated with other CFPB complaints shows lack of notification 2. Original debtor has no record of any debt being sold to NCA. 
3. Documents provided to by NCA in response demonstrates they lacked to notify, and follow FCRA regulations.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX  XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-05
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: JPMORGAN CHASE & CO. (MI)

I was alerted by Chase about suspicious activity on my credit card account on XX/XX/XXXX, via phone, email, and text message. I immediately confirmed that the transactions were not authorized and my card was canceled, I was told that I was going to be issued a new card and that a fraud investigation would be opened. 

I was notified by Chase on XX/XX/XXXX, that I would be responsible for the charges because they were not found to be fraudulent. The transactions were for {$300.00} and {$240.00} within minutes of each other on XX/XX/XXXX at XXXX # XXXX, which is in XXXX XXXX, Michiganover 100 miles from my house. I have never been to that XXXX, and I have never been to XXXX XXXX. I did not make those purchases. 

I had been previously notified by Chase about potentially fraudulent activity on my account : {$48.00} on XX/XX/XXXX. These purchases were actually made by me, from XXXX. I have attached the email receipt from XXXX as evidence that it was actually me. I do not have any order history with XXXX for the other purchases ; those were not made by me. 

I have been made responsible for {$540.00} worth of purchases that I did not make. This is not fairit 's theft, and I have not been able to get in touch with anyone at Chase to discuss this. I would like my account to be credited for {$540.00}. The letters I received from Chase say that I " received a benefit from the transactions '' ( not sure what this means ) and that my fraud claim was " researched thoroughly. '' I am not sure how this is possible without discussion with me. 

I also notice that this has been reported to credit agencies and that the investigation has been closed. This is disappointing and I would appreciate some more clarity on why Chase thinks : This was actually me who made the purchases when it was Chase who initially flagged the transactions as fraudulent. 

I received a benefit from the transactionwhat does this mean? What benefit? Paying {$540.00} for a purchase I did not make is unfair. 

This claim was " researched thoroughly '' what does this mean? What research did you do? Did you contact XXXX store # XXXX in XXXX XXXX, Michigan to verify the transaction? 

I would appreciate a response and a resolution to this. I have attached communications from Chase about these transactions.
Consumer complaint received 2020-07-31
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: JPMORGAN CHASE & CO. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I called a representative kindly agreed to have this late payment removed from my account now that. It has been paid in full and I have since been on time with all recent payments.
Consumer complaint received 2020-07-31
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: TD BANK US HOLDING COMPANY (MD)

I have a loan with TARGET/TD, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TARGET/TD,  XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-31
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: DISCOVER BANK (MD)

I have a loan with XXXX, XXXX XXXX XXXX, DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-06-10
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. (NV)

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 XXXX  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 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On or about XX/XX/21, I made a purchase in the amount of approximately {$4400.00} from XXXX XXXX. An associate suggested we open a XXXX XXXX credit card to get 10 % of the purchase back that could be applied to future purchases made on the card. 
I asked for clarification regarding whether there were any limits to how this could be applied, including whether we had to spend at XXXX XXXX or certain stores. I was told no, that we could apply this to any future purchases. 
This was apparently false. 
I called XXXX XXXX and they said the rewards can only be applied to spending with that or their related brands. Which is not what I signed up for ; I was specifically NOT interested in that, but only in an option where the 10 % back could be applied to ANY future purchases made on the card. 
Had I been given accurate information, Id have not opened the XXXX XXXX card, instead made the purchase on an existing card, and benefitted from my preferred awards. 
XXXX XXXX offered no resolution whatsoever, and has taken zero accountability for providing this false information.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX  could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between transunion and experian..this account has obviously been reaged another violation
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (TX)

I was approved for a {$300.00} credit limit. Upon activating my card I was charged a {$75.00} annual fee. I want this waived as I have not even attempted to use this card.
Consumer complaint received 2018-05-10
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: Specialized Loan Servicing Holdings LLC (NV)

Found out that my mortgage company, Specialized Loan Services ( SLS ), has yet to file my on time payments with XXXX credit Bureau. I have been calling them for over 3 weeks each day to see about a resolution and they have yet to resolve issue as I have spoken to credit bureau who verified no resolution has occurred after they have reached out to creditor. I have spoken to serval customer service agents along with supervisors and nothing is rectified to this date XX/XX/XXXX.

Also asked for mortgage note on home and loan company could not produce. I was then sent one from XX/XX/XXXX which is not the same as my current mortgage note. Three weeks later and still no correction to credit report nor my current mortgage note
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This is a continuation of prior complaints. Now they show me 60 days late, in default, and intent to foreclose. I have sent all the payments. I can not control what they do with them. It seems as though this is some kind of racketeering scam or criminal activity to extort extra money out of you by threatening to foreclose and harass. Receive phone calls constantly and usually letters every other day, and/or every Friday. Have an ulcer from this.What do you do when they don't process your payment. We have lost 2 sales on the house. Can't sell because can't get financed for a new one because they've wrecked my credit and won't fix it and neither will the credit bureaus. How are you allowing companies to do this. XXXX XXXX transferred to them XX/XX/2018 & I have been living with this. I understand that XXXX XXXX is guilty of this in 11 states. Is Specialized Loan Servicing affiliated with XXXX XXXX or an arm or co-conspirator to defraud. They only do this to customers paying on time, and then say you have not.PLEASE STOP THIS ; PLEASE FIX THIS. WE NOW HAVE A 3RD POTENTIAL BUYER. All have been at asking price. I almost throw up every time I get a letter from these despicable pieces of garbage. On top of all this, it wrecked our chance at a reverse mortgage to get away from them. THIS HAS TO STOP NOW! I will not tolerate this any longer, my health is in jeopardy. We are senior citizens and my husband is a veteran that's had 2 strokes. If either of us die from this harassment, I will make sure that the estate sues everybody, forever! There must be some recourse and you must have some authority to revoke their license and put them out of business. It's not just for us, but for the others that they've done this to that I see online. Attaching file with docs from them and updated Exhibit A & B with all my payments and usps receipt numbers. PLEASE, PLEASE, PLEASE DO SOMETHING THIS WEEK! I can't take anymore of this.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANCO POPULAR DE PUERTO RICO (NY)

On or about XXXX through XX/XX/2022. Popular bank closed my business account without my authorization, consulting with me or notifying me. By the time I found out my business account was closed for over 3 months. Popular bank wrongfully closed my account due to a balance under {$1.00}. They said someone used a ATM machine to verify balance and the bank charged a fee of over {$1.00} which put my balance negative - XXXX cents I believe. They they charged {$35.00} over draft fee and {$5.00} interest for everyday until account was closed. I walk in this bank every week and sit with a representative or bank manager who always views my accounts every time I am there. Never have they mentioned my account was closed or I was in a negative balance. This ruin my business and set me back and caused me to lose hard earn business relationships. To my understanding by customer service, I wasnt to be charged overdraft for anything under {$5.00}. Also, I paid thousands of dollars in overdraft fees in past and dont know why. They always have the same excuse about their system. They need to be audit. Now they wont let me open a business account and tried extorting me. I was told told by bank manager either pay $ XXXX or she will state my account was closed for misuse. If I miss used my account, why would she open it if I paid the {$400.00}? Thats extortion.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.
Consumer complaint received 2018-04-19
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: Early Warning Services, LLC (GA)

I filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX on XX/XX/2018. I disputed these accounts through XXXX and Early Warning Systems. The accounts came back " verified '' with no attach proof. My filing with the XXXX  resulted in XXXX XXXX XXXX producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, XXXX XXXX XXXX has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to XXXX XXXX XXXX, but they have listed fraud next to my name in reports with Early Warning System and XXXX. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.