davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (NJ)

William and Fudge , Inc. sent me a text message regarding an amount owed to them. I have no knowledge of this company or who the original debtor is. I reported the message as spam. On XX/XX/23, I received an credit karma notification stating that there was a new account in collections added to my report. 

In accordance with Section XXXX - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interests or fees except those allowed by the original contract and state law. 

Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Fair Trade Commission and the Better Business Bureau.
Consumer complaint received 2020-11-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Dovenmuehle Mortgage, Inc. (AZ)

Due to COVID19 issues I was furloughed from my current job I contacted Dovenmuehle Mortgage, our current loan holder at the time, an was approved and received forbearance position on XX/XX/2020 and continued to be extended through XX/XX/2020, as shown by their letter dated XX/XX/12020. They assured me they would correctly report our position to the 3 credit bureaus and would not receive any late payments. When we recently checked our credit both XXXX and XXXX are showing 120 day lates. This has totally disrupted our lives and has dropped our credit score over 100 points. I have gone on record with over 30 phone calls ( all recorded and documented ) over the last 60 days into Dovenmuehle and, even though they confirm they made the mistake, they refuse to email me a simple 1 page letter I have been been requesting so I can clear my credit. This letter must contain specific items to which I will refer to further in the " Desired Outcome '' section. They also confirmed on recorded conversations I am not the only borrower they made these mistakes with during this time. I hope others who read this complaint that have had these same issues will join me in this complaint so that everyone will know the pain and suffering me and my family have experienced. Dovenmuehle is an irresponsible, inconsiderate company I have ever worked with!! They are a disgrace to the industry and I truly hope this complaint helps to discredit their name for everyone to witness!! Do not walk but run from this company so you never have to me treated as horribly and me and my family!
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CUSTOMERS BANCORP, INC (AL)

How much did you all send after both savings and checking paid out and how much was sent from each account, and when? You are required by law to give me the amounts, and when those funds were mailed out. On recordings today, no one was able to give me any info. I was promised I'd get the funds, on recordings, by XX/XX/XXXX. You cut off access to where I can not see what funds were legally available, and legality dies in darkness ... and you all hoped to kill me or wear me down due to my XXXX. You all closed my account due to about 8 fraud claims, which you all admitted was fraudulent ... my identity has been hacked 3 times over 2 years ... you all didn't care, because I'm simply a XXXX American, my wife, a XXXX Veteran ... and we are utterly useless to you all. You say to report fraud, but on recordings, you all stated that I had too many legitimate claims and therefore, you all illegally closed my account, and made sure I had no way to access the account, in order to observe your illegal behavior in regards to my checking and savings account ... and the only funds that went into account was Social Security XXXX Monies ... and today, no one can tell me how much was in each account, and when checks were mailed out to me! I want answers today. You say it was all negative on XX/XX/XXXX ; however, on XX/XX/XXXX, on a recorded call by me, I was told over XXXX bc refunds kept coming through, and savings, I was told had over XXXX. XXXX told me those amounts, while XXXX told me today, lies. Also, they will not let me see my account to dispute anything, and they will not give me access to any of my statements for this entire year. 
Thank you for your time. 

Thanks, XXXX XXXX
Consumer complaint received 2020-11-10
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. (AZ)

On XX/XX/XXXX I paid off a collection XXXX XXXX XXXX  in the amount of {$330.00}. They agreed to report to all 3 major credit bureaus that the account was " paid as agreed '' and to have to have it permanently removed from my credit report. So far the only bureau it has been deleted from is XXXX XXXX. XXXX and Experian it is still showing as UNPAID. I have called the collector and the amount was paid on XX/XX/XXXX. It's almost been a month and I would like to have this trade line permanently REMOVED from XXXX  and Experian. I have a attached 4 documents. ( 1 ) A photo copy front and back of check, ( 2 ) a screen shot of USPS proof that it was delivered, ( 3 ) a screen shot from XXXX showing it is STILL showing on my credit report, ( 4 ) and a screen shot from Experian showing it is STILL showing on my credit report. Thank You.
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (FL)

They called me from time to time they want me to put in my account number they want me to put in my social security number they say it's about a debt I don't know where there coming from I don't know this company and I've never had any dealings with them
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

I alerted TD Bank to two potential fraudulent checks being cashed from my account in XX/XX/XXXXXXXXThey instructed me to come into the branch the branch and close the account and open a new one, which I did. I asked what measures can be taken to prevent this from happening. They stated nothing On XX/XX/2019 two fraudulent checks upwards of {$13000.00} dollars were cashed from my account. The same amount in which the first potential fraudulent activity was reported. The check was fabricated and the signature was electronically manufactured, and did not resemble my signature in any way. I was once again instructed to close the account, which I did. I filled out an affidavit of fraud inside a branch. They instructed me that there was no further action I could take, and that it may take 6 months for the case to reach global security and be assigned an investigator, in which afterward my funds may be returned to me. Two week later and The branch did not send my affidavit of fraud to the the td fraud department, it has not been filed with global security of placed on a list for an investigator to be assigned, After numerous phone calls and branch visits, as well as after filing a police report. 

No one at customer service, fraud or within the branch showed any concern with the matter, and refused to give me a copy of the affidavit or details regarding how and where the checks were cashed. 

They were clearly negligent in allowing blatant fraud and refuse to reimburse or guide me through the fraud process.
Consumer complaint received 2018-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX I contacted Transunion about inquires on my credit report that I did not make. The representative would not assist and take care of the negative inquires reporting on my credit report. 

I am requesting all of these inquires to be deleted. 
-XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 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 2021-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (IL)

I had two medical bills from an incident that happened a few years ago. The hospital in question told me I would not be charged at all, then, instead of sending me a bill, sent two different amounts directly to collections. I disputed them and they were removed from my credit report, then a different debt collection agency, Debt Recovery Solutions , LLC, somehow got a hold of these amounts, {$890.00} and {$64.00}, respectively, and they appeared back on my credit report. I disputed them again and they were again removed after finding to not be amounts I actually owed, and they once again reappeared on my credit report even though they'd been disputed and removed twice. I've tried disputing them again, which just prompted the collection agency to send me a letter telling me I owed them, and they remain on my credit report. They call me constantly all day and night, and a few times earlier or later than legally allowed. I do not owe this money and want them removed from my report, as well as this company to stop calling me.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

5 Payments are missing or so XXXX XXXX state!

5 payments in the amount of {$1000.00} each were made to XXXX XXXX ( The same way each week via bill-pay from XXXX XXXX for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. 

I noticed that my payments were not posted, so I called XXXX XXXX and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX and I called XXXX XXXX and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). 

Below are the payments that are missing XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/XXXX
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

XXXX XXXX keep listing an old XXXX  XXXX credit card bill thats 12 or almost 13 years old opened in XXXX. XXXX  XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX  XXXX and couldnt pay it. Now XXXX XXXX is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least 10 years past due. I cant see when this is going to come off?? 20 years? Pleas help XXXX XXXX
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

BSI Financial services failed to record my " Release Of Mortgage " on my fully paid loan back on XXXX. As a result I can't sell my property. 
BSI Financial services failed to record my " Release Of Mortgage " on my fully paid loan back on XXXX. My lawyer sent the attached letter back on XX/XX/XXXX. They never filed the release. As a result, I can't sell my property now. My realtor, my lawyer and myself in several occasions have contacted BSI Financial services to resolve this issue, but none seams to care. We have been told many times to wait for the file to be researched, but that's all we have been able to get. I need to sell my property as a result of financial need. I have had the attached contract since XX/XX/XXXX. Please that's a lack of responsibility on an issue that can be solve in less than 10 minutes. PLEASE, PLEASE I NEED YOU TO FILE " Release Of Mortgage " on my fully paid loan.
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CO)

I have been receiving phone calls from this company, I have no idea who they are and from past experiences, My information has been in the Credit Bureau Data breaches, and has never been corrected, They are trying to collect a debt that I do not owe, and keep calling with reference numbers. I want this to stop, It is very annoying and makes me nervous that my information is exposed to an collection company whom i do not owe. I called them an was put on hold, for a bit, No one answered after the recording just silence on the Phone. This was to day XXXX and had calls before that from diff. numbers, but go back to this company.
Consumer complaint received 2019-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (NY)

I opened a checking account with BBVA Compass on XX/XX/2018 with the offer Get {$200.00} when you open a new qualifying checking account and receive a qualifying direct deposit of at least {$500.00} within the first 60 days of account opening. I have regular direct deposit of {$500.00} and the first direct deposit was within 60 days of account opening. However, the bonus was never posted. For the past month, I called them twice. Both times the agent told me I was qualified and promised the bonus should be posted soon and will have their manager call me back within 24-48 hours. But the bonus was never posted and I never receive any call from them. I never met such bad customer service with any other bank. Every call wasted me more than half an hour waiting to be connected and then waiting the agent to verify. They gave promise which they never fulfill!
Consumer complaint received 2019-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (AZ)

We purchased the vehicle in XXXX of XXXX. Since then we have had XXXX children ( both XXXX XXXX XXXX and lost wages ) I am currently XXXX with our XXXX baby. We had to move and in XXXX of XXXX I made a payment and was told it was for XXXX. Today XX/XX/XXXX, I spoke with XXXX. She states that I now owe for XXXX, XXXX, and XXXX and that a right to cure letter was sent to my current address ... that we moved to 7 days ago, stating that we were in default and had to be completely paid by XX/XX/XXXX. I explained we just moved to this address and I never received the letter. She said regardless I needed to pay by Saturday morning. I do not have the find until XXXX and explained that multiple times. She stated I needed to pawn items, borrow money, get a payday loan ( which are illegal in Arizona ) or she would start calling the references we provided to ask for money. I asked what would happen if I didnt pay by Saturday and she refused to tell me. She said she would notate the account. Its currently 68 days past due as of today the XXXX. I am receiving a settlement payment around the XXXX and had planned to make it completely current then. They have also reported me late multiple times in one month to the credit bureaus so its hitting my credit 3-4 times a month.
Consumer complaint received 2022-12-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO. (PA)

On XX/XX/2022, I purchased a XXXX from Ford. Several months following the purchase I was contacted by Ford saying there was an error with the paperwork, and I owe an additional {$1300.00}. I requested something in writing which I received 73 days after the purchase of the vehicle. The additional funds paperwork does not match the original paperwork I signed and therefore violates Truth in Lending Laws. Furthermore, Ford has not registered the vehicle in my name and appears to be using the registration as blackmail to get additional money beyond the agreed upon price. As a result, as of XX/XX/2022, the vehicle still has not been registered and has exceeded the 60-day timeframe for a vehicle to be registered in the state of Pennsylvania. 
Below I have outlined the multiple attempts I have made to resolve with NO engagement, concern or interest from Ford who manufactured and financed the purchase. 

*Everything is included in attachment*
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

I applied with a fico over XXXX points and not any debts aside from XXXX in student loans - i pay off balances within a month of any credit charging -- i applied for a 0 % for 14 months interest discover it card - it is ad on website as such but found out 6 months later i was approved for something entirely diff - a card with 0 % for 6 months and cash transfers for 18 months free of interests. 

I never needed or applied for this type of card the ad said 0 % for 14 months. 

Upon calling discover I was treated like a serf by each supervisor and even had my acct closed without my approval. I had told them to hold off as I now had to see how their XXXX up was going to rake amuck on my credit report with dings. 

This company is awful. 

Awful service - awful ads they don't hold to when you apply for ... .I will never do biz with this co again Apparently having excellent credit and always paying taxes, and bills does nothing for you with Discover.
Consumer complaint received 2019-04-24
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX/CALIFORNIA XX/XX/2018 XXXX XXXX XX/XX/2018
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Creditor is reporting incorrect information, XXXX XXXX XXXX XXXX and incorrect information is showing on my transunion account. This is showing negative collection activity on my credit as well as my score. The car was paid off in full in XXXX, and i am no longer as well the holder of this vehicle. My account status is showing purchased by another lender, and their is no lender because the account is closed and paid in full, which is what should be reflected in the comments/status of this account.
Consumer complaint received 2018-06-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

XXXX # XXXX Name XXXX XXXX XXXX. 
I had a loan modification with XXXX XXXX. AT the time XXXX  XXXX was collecting escrow for real estate taxes and Insurance. After the modification was approved the loan was sold to XXXX XXXX XXXX and I is currently being serviced by XXXX XXXX. 
I have 3 main issues ( besides the fact that their customer service is terrible and I can never get a straight answer from anyone I speak to ) 1. Where is the money that XXXX  XXXX collected for escrow ( insurance and taxes )? It has not been applied to my loan ( or reimbursed to me ) and I paid the insurance and taxes for XXXX and the XXXX taxes have not been paid ( I paid the XXXX insurance ) 2. XXXX agreed to waive my insurance escrow ( since I paid the insurance ) and they were suppose to reduce the escrow for the insurance from my monthly payment ( they did it for one month and then charged me escrow the next ). Now I paid the Insurance and they are still collecting escrow for both insurance and taxes. 
3. I signed up for their electronic payment and they charged me two mortgage payments in one month ( even though I was not behind ) then had the audacity to charge me late fees. I finally got it resolved ( through multiple letters and phone calls ) but now they charge me different amounts every month.
Consumer complaint received 2022-09-02
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. (OK)

I have inquiries on my credit report that are unauthorized and I have sent in documents to give evidence of inaccurate information. 

Inquiries are listed below : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been the victim of on going ID theft and have sent documents and a police report to Transunion asking for the following fraud info to be blocked and or removed. 
1.XXXX Credit Card XX/XX/2016 XXXX Credit Card XX/XX/2016 XXXX Credit Card XX/XX/2016 As to date Transunion has not corrected this problem .