davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

I paid off my mortgagein the amount of {$130000.00} on XX/XX/XXXX of 2021 to Dovenmuehle mortgage. They owe me {$780.00} in escrow and still have yet to send me a check in that amount. I have called and chatted multiple times about this issue and they give me the same lines every time. " There was a problem in processing this refund, would you like to open a work order? '' Nothing has been resolved to this day.
Consumer complaint received 2022-11-17
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. (MD)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

Good Morning and hope you're doing well during Covid19 ... ..I was shocked when I reviewed my credit report and found late payment on the dates on XX/XX/2020 for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-04-04
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. (IA)

After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed with incorrect DATE OF LAST PAYMENT of XX/XX/XXXX & DATE OPENED of XX/XX/XXXX. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Consumer complaint received 2022-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I was denied PSLF even though I have been a XXXX  for 25 years - also been paying on student loans for 25 years. My servicer changed 3 years ago to Fedloan and they refused to credit my XXXX income driven repayments so I was denied PSLF 3 years ago. I am going to try again but when I apply of course their website says I do not have the XXXX payments. My student loans came to XXXX in XXXX - I began paying. In XXXX, my total is balance is XXXX - I call that servicer fraud.
Consumer complaint received 2020-09-16
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: EQUIFAX, INC. (FL)

This Is my second complain! 
Try to get a loan from my local bank, when they polled my credit form Equifax, my name show incorrectly and my social security number did not show on my file. I contacted Equifax to get the problem resolved. Even though they verified who I was over the phone the told me that I need it to file a dispute sending them a copy of my License, Social Security Card and prove of address. on XXXX XXXX I file the the dispute and I uploaded the documents they asked for and I received the confirmation # XXXX witch it shows on the Equifax web-site under my profile as a depute being process. ( I have a picture ) Since the dispute had a resolved date of XXXX XXXX I called today XXXX XXXX XXXX to see if the matter was corrected in there system. The first thing they asked when I called was about the first complain I file with CFBP and after that I got transfer to two different people XXXX who couldn't fine my file and told me that she couldn't help me and did not want to give a last name or employee # and XXXX who also refuse to give his last name or employee # after more than 30 minutes on the phone going true the validation of my identification shortly after, this gentleman informed me that they had not received the dispute I had file and the dispute # I was proving for him from the Equifax website wasn't showing on his screen there for I need it to file another dispute. In the meantime the loan I need it from the bank for this week is not going to get process because they can't verify the correct information from the documents I uploaded on the Equifax website on XXXX XXXX Please help!!!!
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (NY)

Dear Experian In reviewing my credit report from Experian, I found unauthorized inquiries. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. 

The following inquiries are unauthorized : 1. XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX 2. XXXX XXXX Inquiry Date XXXX XXXX 3XXXX XXXX XXXX Inquiry Date XX/XX/2021 Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Consumer complaint received 2020-09-16
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. (TX)

General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account XXXX XXXX Account XXXX Account TypeLease ResponsibilityJoint Date XXXX StatusPaid, Closed. {$3900.00} written off. 
Status UpdatedXXXX XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$5900.00} Highest Balance {$0.00} XXXX Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE XXXX
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Below are dates of credit inquiries that I wish to have removed from my credit report TransUnion. I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX    Inquiry    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (MN)

- Account holder passed on XX/XX/XXXX - I was nominated as personal rep of the estate via the court approved will and a letters testamentary effective XX/XX/XXXX - At the time I was named personal rep of the estate, account was held by XXXX XXXX - Provided documentation showing me as personal rep to XXXX XXXX and was added to account - XXXX XXXX mortgage service transferred to XXXX XXXX  from XXXX XXXX. I continued to receive mortgage statements each month since transfer occurred. 
- XX/XX/XXXX - received tax statements from XXXX Mortgage - XX/XX/XXXX - Filed final accounting for estate with court ( estate funds on freeze until approved by court through hearing meaning I was not able to make payments ) - XX/XX/XXXX - XX/XX/XXXX - Received multiple calls and made numerous calls to XXXX XXXX  to regarding delinquency and updating on status of estate. No issues at these times. 
- XX/XX/XXXX- XXXX approved closing estate to fund trust. Informed XXXX and had no issues accessing account at this time. 
- XX/XX/XXXX -received email and phone call from XXXX XXXX Called back to provide an update that trust has been funded and delinquent amounts will be paid in the next couple of days and was informed I am not authorized on account. A couple of issues to be addressed : 1 ) If I am not authorized to provide updates on the account, why would they be sending me monthly statements and tax documents or calling me about delinquency? This is a huge concern with their servicing process.

2 ) I provided all documentation showing court approval prior to account being transferred to a new servicer. Servicers should be transferring this information between one and another - this should not be left on the consumer to re-complete work because of flaws in an internal process.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

ACH Deposit of {$11000.00} from XXXX Arkansas XXXX XXXX to my BofA small bussines account ( an LLC ), ordered by a client, XXXX XXXX, was rejected as fraud by BofA after 10 days. 
Near XXXX ( {$8800.00} ) were withdrawn on that money and Were Sent to the client, who now denies having it. 
1 ) Why a bank agent said 3 days after the deposit ( XX/XX/XXXX ) was good but one week after ( XX/XX/XXXX ) another bank agent said the deposit was rejected. 
2 ) Why did the bank consider the deposit bad? 
3 ) What did BofA do with that {$11000.00} deposit money?. 
My account was frozen and closed. The Money deposited XXXX {$11000.00} XXXX plus that sent to client XXXX {$8800.00} XXXX were excluded from transfer to a new account. 
4 ) Can BofA request the cash transferred out of the account from XXXX to XX/XX/XXXX XXXX to XXXX and XXXX to be refunded?. 

Thanks for any help you can provide.
Consumer complaint received 2022-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/2019
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

This company continues to report inaccurate information on my credit report. Initially, this company was reporting two separate accounts for the same apartment complex in the amounts of {$2000.00} and {$2100.00}. I disputed through the credit bureaus several times, yet they kept stating the accounts were accurate. On several occasions, I have asked this company to provide validation, not verification however, they have failed to do so. I filed a dispute with the CFPB and attached the judgment for the apartment complex they are trying to collect and they finally decided to delete one of the accounts stating it was a " duplicate '' which is completely false as the accounts they were reporting were for different amounts. I do not understand how this fraudulent company feels they can report what they want, when they want without providing accurate information. Also, the judgment that was granted for the apartment is {$970.00}, but this company is requesting {$2100.00}. It is not legal for them to override what a judge ordered. At this point, this fraudulent company needs to delete the account immediately or I will take legal action as this a violation of the FDCPA.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (LA)

My loan is through XXXX XXXX and is being subserviced by XXXX. They are collecting money to pay the taxes in escrow but they have not paid the taxes this year. Also I have had to make several calls to them over the past 3 years for the same issue
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This complaint is regarding Experian Credit Reporting Agency. 

In XX/XX/2020 I filed a dispute report regarding missing data on my XXXX XXXX Account for the month of XX/XX/2020. 

I took the appropriate steps and filed an online dispute through Experian services and filed the report with the finance company ( XXXX XXXX ). 

The file and dispute was updated late XXXX ... .HOWEVER the file was updated incorrectly and now reflects additional missing data for the months of XXXX, XXXX, XXXX, XXXX, XXXX. The reports read payments as " no data '' In XXXX, I applied for the XXXX XXXX loan due to Covid related hardships and was denied because of credit. I was told that I could apply again but needed to show XXXX payment and any other additional on time payments. 

I began to make a phlight ( 30+ ) of phone calls both to XXXX XXXX and Experian to drill down on who was at fault and express my sense of urgency. XXXX XXXX 's supervisor and team has handled the matter very professionally calling me back and delivering documents that show proof that they are sending the payment for the " missing data '' months to Experian. 

On XX/XX/2020 I called once again and an Experian supervisor expressed that she saw the payments reported from XXXX XXXX and that it was a " technical '' issue and Experian was at fault. She suggest that I open up a " escalation '' ticket to get the problem resolved within 3-5 business day. After waiting one week with no results, I started to call again and have been yelled at, hung up on and promised that the  problem would be fixed within 30 days. As of today XX/XX/XXXX, the missing data is still reflective on my account and no one at Experian is sure how to fix. 

Experian is liable for negligence and bad faith and fair dealing and damages caused to me because of such.
Consumer complaint received 2022-07-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LDF Holdings, LLC (TX)

I was notified by phone back in XXXX by a collection representative with Lendumo about a pass due payment from XXXX. I advised the representative that my monthly payment was made on their website online by my son in the amount owe of {$310.00} on my due date XXXX. Because I had fraud issue on my bank account and I knew the payment wouldn't go though I had my son to make the payment for me so I thought the issue was resolved. I called them on XXXX but was advised it was too late for them to stop the payment because they have a 3 day notice to make changes to automictic payments. I continued to receive collection calls trying to collect on a payment that was made on time for my XXXX payment online. I sent a written notice to the lender on XXXX again advising them that I didn't owe the a payment from XXXX since it was paid by my son on time. I received an email response from Lendumo stating that the account was pass due to the return payment and once again I explained to them what happen and they acknowledge they di receive the payment for {$310.00} back in XXXX which was the exact amount payment due to {$310.00} on XXXX. But because their system shows pass due they still have to collect. I tried again to get them to update their system and correct this matter because the pass due payment amount of {$310.00} was not pass due, it was just a system issue on their end but they have refused to correct this issue and have continued to harass me over and over again. The harassment calls haven't stopped on them trying to collect on a payment that is clearly not owed to them.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple address that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and notice that XXXX and Equifax did not update my address and also did not remove the inaccurate addresses, so I am now, taking the extra step, because I really these addresses off of my credit report.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (FL)

I went to XXXX XX/XX/2021 to close my account and paid off the full balance owed which was {$350.00}. Then I receive an additional bill and a past due notice on XX/XX/2021 and spoke to XXXX on XX/XX/2021 no worries she would take care of. She didn't see any info on the computer so it must be taken care of on XXXXThen on XXXX XXXX I get a collection notice with late charges added. I spoke with XXXX on XX/XX/2021. He assured me that this was a final bill because when I went to XXXX, the clerk could only see current billed info. Since I closed my account, I was being billed for that time that wasn't reflected above. He took off the late charges and assured me that if I paid the {$130.00} I would be done with XXXX. I received a bill for the {$130.00} and paid it on check XXXX on XX/XX/2021 and it cleared my bank so I assume I am done. Now I receive another bill saying it is past due. So on XX/XX/2021 I sent letters to the collection agency and to XXXX explaining in detail that I do not owe this debt. Now looking at my credit report it show up under collections. Please help me I am at a loss to get this off my credit report and to clear this up. It has been going on since XX/XX/2021 and I can not get it resolved.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/2020, I received an alert on my smartphone via XXXX XXXX that my Bank of America credit card had been removed. I immediately logged into my BoA account with concerns that there was a security issue. Upon login, I noticed that my credit card account was no longer listed, though I could continue to see my Savings and Checking accounts. There were no online messages and I had received no physical mail regarding my credit line. The balance was {$0.00} upon closing.

Ive made four separate calls to Bank of America to resolve the matter, both to 800 numbers and to my local branch. No one was able to help me and I was told that the card was closed due to inactivity. Again, I received no notice of the closing of the account. I was told that I may have not received notice due to USPS issues, though that would not explain a lack of electronic message. If I had received notice I would have taken steps to use the card to keep it active. My credit score is important to me.

The credit line that was closed had been open for nearly a decade. By closing the account without giving me notice my credit score will take a hit. My hope is that the CFPB can assist me in getting Bank of America to reopen the account. Thank you for your time and assistance.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I used my XXXX card for a purchase only to find out I had a XXXX balance. When I called the Bank of America I was told a wire transfer of {$2300.00} was made without my knowledge. I have no information of who or where the funds went. I did NOT authorize this transfer of funds. I filed a fraud report with XXXX and the police. 

I am asking for help in receiving these funds back since I have NO knowledge of this event and I am a XXXX living on SS and need these funds to live