davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (VA)

Cavalry and their law firm XXXX XXXX XXXX have been using false representations trying to collect a debt from me without any evidence that the debt is mine and that they own the debt. 

Among other wrongs, they have used a false credit card agreement to verify the debt and to file the lawsuit. The real credit card agreement for the alleged account, which can be obtained from the supposed original creditor XXXX or from the CFPB database, is markedly different from the credit agreement they have been attempting to collect with. This is in violation of the FDCPA. 

Again, they filed a lawsuit against me 3 days after the statute of limitations had expired, according to the last payment dates on the credit card statements they provided in debt validation and in court. And in order to trick the court into getting a judgement against me, they submitted a random computer printout where the date of last payment was changed to be the very last day of the statute of limitations so it looks like they filed the lawsuit just in time. They tried to use the court to collect a debt using evidence that had two different dates of last payments with no explanations for the  inconsistencies. 

Again, the amount they claim is owed on the debt and reported to the credit bureaus is different from the amounts on the alleged credit card statements they provided as validation and in court. So yes theyre validating and trying to collect a debt using documents that show two different amounts owed with no explanation. 

Again, they are attempting to collect a debt using an affidavit which contains a notary signature that appears to be forged. The signature appears as a pixelated image, in stark contrast to the other signatures and marks on rest of the document. This is not an artifact of photocopying, and is consistent with digital forgery. 

When I pointed out to them that I do not owe the debt and showed up to trial ready to put an end to it, they non-suited without prejudice, so as to avoid getting a judgement against them, so that they can keep tarnishing my credit reports with the hopes that I will one day send them money. 

Theyve had nothing to say about all these violations and lack of evidence that the debt is mine and have refused to take this off my credit report. 

Cavalry and their attorneys have committed multiple violations of debt collection and common laws and have refused to stop collection and remove this debt from my credit reports.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has me listed with a Birthdate in XXXX. I was born in XXXX. I have tried to contact Experian multiple times, even sending certified mail only to have it returned to me - I had no problems prior to this year as I just bought a car earlier last year.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX, XXXX XXXX reported my auto loan as being in a charged off status to the credit bureaus! When in fact my account is and was current and actually due for the XX/XX/XXXX payment at that time. I called XXXX right away when my mortgage company advised me of this on XX/XX/XXXX. The representative opened a claim for me, stated they fixed the error and that this was their mistake. Today, XX/XX/XXXX myself and my mortgage representative called to see if we could get a letter of resolve and the representative told us that they had no record of my call and no claim was ever filed! We were then transferred to a supervisor. At this point the supervisor stated that the account was current and they would start a dispute with the credit bureaus to fix this but it would take up to 45 days to be corrected. I told them that I was set to close on XX/XX/XXXX and that this was not acceptable, especially since this was their error. She stated that they could not provide any type of letter confirming the mistake and that the account was not charged off and current. This is going to cost me my home and my deposit if I do not have this corrected by the XX/XX/XXXX ( 24 hours prior to closing ). The builder stated I would be in breach of my contract. I am only in breach because of this horrible error that XXXX has made and will not fix promptly.
Consumer complaint received 2019-04-03
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. (PA)

I am filing this complaint as an aggrieved man against Experian, XXXX and XXXX. I notified them about identity theft and fraud on my credit report. I sent them a fraud alert letter from the federal government, as well as a letter from me asking for certain information pertaining to these fraudulent accounts to be verified, They did not verify the information that I requested. Instead they say that the information is accurate and it is not! XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all fraudulent accounts create without my knowledge and or consent! If they do not contain my wet ink signature and can not be verified without a doubt these accounts are mine, then they are not mine! I demand these accounts be removed off of my credit report or I will contact my state attorney general and senators to rectify this matter!
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OK)

Wells Fargo carried our mortgage for four years, or 48 payment cycles. During one of  those, we experienced an issue with our checking account being hacked, and it happened to be the one our mortgage came out of automatically, making the payment late ONE TIME. 

We cleared the issue up by phone with Wells Fargo and got everything back on track, but my credit report STILL shows that one blip, and it is damaging my score.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

I pay my mortgage through autopay with my bank. The payment is sent out a day in advance each month. In XXXX, 2018 my mortgage payment was sent to Amerihome and received. On that same day, the company reversed the transaction and, instead of posting the payment to my account, sent the money somewhere else. I have spoken to multiple customer service representatives on multiple dates. They have all told me that there is an internal problem, not to worry, and they would fix it. I was told, multiple times, another department would have to review my account, but it should be fixed shortly. I received an email about a month after my last phone conversation that said they had refunded my payment, and I was a month behind on payments. I have reviewed my account statements many times, I have called my bank, and I can not find any refund of my payment. At this point {$1400.00} has been stollen from me. Please help me to correct this problem.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Accurate Financial Services (FL)

More than a year ago I started with the company Accurate Financial Solutions Telephone XXXX / XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX where they commit to documents sent that repair credit and negotiate with XXXX, XXXX and XXXX, within a period of 12 months or less to do This is possible, I already paid them {$5600.00} dollars in 10 months, this amount was agreed for the entire process and so far there has been no progress and they are saying that I should start after a year with another process and for which I also have to pay when they did not inform at first, I think that unfortunately I fell into a company that only seeks to defraud the consumer.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (FL)

I was refused credit due to the fact that Experian would not release my credit report and or credit score to the company that was making the inquiry. My problem is that there is no normal 20th century way of getting information from Experian as to why they would not release the report. They have several phone numbers all of which take you to an automated system that will not allow the option of speaking to an agent of the company. Now because of their confusing automated system I may have inadvertently placed some type of freeze or fraud status on my account. I have no way of undoing this because they refuse to speak to anyone. I did a quick search online and discovered several forums with multiple similar complaints. It is ill advised to allow a company to hold control over the credit fluidity of individual citizens when that same company basically refuses to engage with people and provided real time explanations for the issues with their information and systems. If they and other similar companies control the credit worthiness of the population their information, process, and accountability needs to be flawless or at least close to flawless
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc (KY)

I keep having calls regarding a debt owed to Harley Davidson. No one at my number has any dealings with the company calling. I've told them to stop, and they continue to call and hang up now that I don't answer the phone.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

Hi, I would like to open a complaint againt Zelle Pay, which is used by many financial institutions to pay with phone. 

In my situtaiion, on XX/XX/2021 I purchased an item on OfferUp and was asked by the seller to pay via Zelle. I made 2 payments that day after seeing what looked like a legitimate shipping label and later realized it was a scam/fraud. I am concerned that Zelle is not enforcing enhanced due diligence with the institutions it does Business with as scam/fraud artists are using this platform to harm innocent citizens like myself. I am worried and surprised that no one can do anything about it although there ought to be an audit trail of the sender and recipients accounts. Zelle should require that in the event that they are informed of a scam/fraud they should have processes to protect the end consumer. 

I have tried to call Zelle customer service and it was in vain and feel that it is really a bad way to operate a business as I could not get a hold of anyone. I also contacted by bank, XXXX XXXX XXXX and was informed nothing can be done about it. 

Again, it is upsetting to be informed that I can not get a refund none of these institutions are doing anything about this event. I am sure I am not the first and wont be the last if no actions taken to protect consumers like me. I would say I am a pretty savvy individual and I still got scammed and am worried about those who are naives and elderly population of our society.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can NOT furnish a account without my written instructions
Consumer complaint received 2020-12-23
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: WELLS FARGO & COMPANY (CA)

During The coronavirus pandemic there was a n agreement to have my mortgage statement and credit card be on deferment. My credit card was establish to not report. I have had the credit card for seven years I have never been late. There was a late was reported. Its inaccurate, I tried to get it removed and they are refusing to do so .... my mortgage statement was placed but not my credit card. I have since signed for auto pay and take my inaccurate reporting serious. They have also removed late payments in the past for other clients, this is unfair.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

lien release from MERS in 2005, also part of XXXX mortgages put in document in 2005 that XXXX XXXX XXXX XXXX XXXX states it is the trustee, have received several payments from XX/XX/XXXX lawsuits, local attorneys used robotsigned documents, that have been made permanent record in county record
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-07-12
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-07-06
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. (IL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant XXXX XXXX XXXX XXXX by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MO)

I closed on my home in XXXX of XXXX and the loan was quickly sold to Home Point Financial. I received my first escrow analysis statement in XXXX of XXXX showing a very large escrow shortage, causing my monthly payment to increase by over {$250.00} starting in XXXX of XXXX. Examining the statement further along with the closing documents from when I purchased the home, I saw that the problem was that Home Point made a duplicate tax payment to my county. This payment was unnecessary due to the title company already making the payment when I closed on the home. I contacted Home Point immediately and the process took nearly 5 months to complete. Initially Home Point told me I needed to contact my county, then my county told me I needed to work it out through Home Point. I called Home Point many times throughout this process for updates. Each time I was told there was a note in the system that everything should be completed by a certain date. I would call back on that date and of course it wouldn't be complete. I asked every representative I spoke with, including managers, to proactively contact me when there were any updates on the situation and not a single representative or manager called me at any point during this process. At long last, the county sent a refund check and Home Point processed a new escrow analysis to bring my payment back down, but I had to make 2 mortgage payments at the higher and incorrect amount while this was being " worked on. '' I asked multiple representatives including a manager named XXXX if I would be able to be refunded for the extra amount I was being forced to pay due to their mistake, and multiple times I was told " yes. '' I called today to ask about the refund process for the {$500.00} or so that I over-paid and was told that no refunds would be given. It was Home Point 's mistake that forced me to pay an extra {$500.00}, and their poor customer service and dishonesty has led to me just being out that money with seemingly no recourse.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I have student loans that are in XXXX at $ XXXX monthly payment. I was in a XXXX  program and became XXXX  ill where I had completed the program except my XXXX. I had to withdraw from school for four years and all loans were XXXX with $ XXXX  monthly payment ; however, I wanted to complete my XXXX so I re-enrolled in school in 2018 in order to complete the XXXX. The problem I am facing with this mortgage company and other mortgage companies is that the student loan statement does not designate XXXX only state that I am in deferment where the mortgage company states that the 1 % rule must apply to the loans even though they are XXXX and are designated as inschool deferment. Even though these loans are on inschool deferment, the Cares Act also offers deferment in which this company is not familiar with. This confusing law is preventing homeownership for consumers with good credit and ability to pay monthly mortgage payments that are less than rentals. My home loan application is not being fairly evaluated with this company. First, the problem was that a combined total amount on the credit report is reading as a separate loan -- not true. Then the problem was the student loans on the statement with {$0.00} payments are not designated as XXXX.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

This is an old account that was in my name for 10 years. I closed it in 2016 and was cleared of any outstanding amounts or fees, with an apology from BOA. To this day, it continues to show up on my credit report, diminishing my score. I want it removed immediately.
Consumer complaint received 2022-02-02
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. (NY)

On XX/XX/2018 an XXXX loan was opened under my name with XXXX XXXX XXXX without my knowledge. Identity theft. Balance Amout is {$9400.00}. Account # XXXX. I have submitted FTC report and Police report to Creditor and Experian already. I was informed to file CFP report. XXXX XXXX XXXX refused to give me the credit Application and copies of my identification that match my information. I submitted a fraud affidavit to XXXX XXXX XXXX to report the fraud. Instead they took my information out the application and update their system to say that my number match etc. I never called or have a conversation with XXXX XXXX. I need XXXX XXXX XXXX to provide me a copy of the credit application and my identification whom presented at the time and date of question. XXXX XXXX needs to provide proof where I called them from my number. XXXX XXXX XXXX stole my information to update their system when I report and submitted fraud affidavit to them.
Consumer complaint received 2019-04-19
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. (UT)

XXXX XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid, and I do not owe this debt and needs to be removed off of my credit.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX, I had a last minute cancelation at a XXXX XXXX and was charged a fee on XX/XX/XXXX ( {$200.00} ) I opened up a dispute with Amex to remove it, and during this dispute XXXX reversed the fee. On XX/XX/XXXX, XXXX refunded me. On XX/XX/XXXX, Amex gave me a {$200.00} credit pending decision of dispute. 

I told Amex that XXXX had refunded me so they could close the dispute. Amex then reversed their initial credit of {$200.00}. ( XX/XX/XXXX ) Things are now settled. 

On XX/XX/XXXX, Amex issued me a correction charge for the misposted credit for {$200.00}. This is where that took money from me. 

I opened up a dispute shortly after regarding this mis-adjustment. 

On XX/XX/XXXX, they finally gave me credit for their mistake of {$200.00}. ( At this point, things are settled ). 

On XX/XX/XXXX, they issued me another correction of {$200.00}. The issue is still not resolved after multiple attempts.