davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NH)

I had a COVID forbearance agreement with XXXX XXXX  XXXX XXXX Dovenmuehle Mortgage Inc. ) which ended XX/XX/2021. At the start of 2021 I contacted the mortgage company to end the forbearance and do a loan modification. They didn't send me the loan modification paperwork until XXXX. During that time I resumed my normal payments and called them multiple times to get the paperwork. After receiving the modification terms, I promptly accepted them and made the required three trial payments. After those three months the mortgage company should have promptly sent me the final approval paperwork to convert my loan into a 40 year loan at a lower rate. It's been over five months since then and they still haven't sent me the final paperwork despite me calling them multiple times per month. It's been around 11 months since this process was started while others I've talked to get it completed within 4-5 months.

Their call center keeps saying they'll notify the underwriter, contact a supervisor, or that they've already mailed the paperwork but it has never shown up in my mailbox nor have I ever had any mail stolen. I've confirmed my mailing address with them multiple times. The USPS sends me scans of the mail I'm about to receive and those have never had the final paperwork. I've received other mortgage related documents from the company during this time but still haven't gotten the paperwork they've ( falsely? ) claimed to have mailed me. They have refused to provide tracking numbers, refused to deliver the documents electronically ( even though the initial paperwork was provided both electronically and successfully through the mail ), and refused me from coming into the office to sign the final paperwork. 

Further, three months ago they started charging me late fees despite not being late on my payments. When asked, they confirmed I've paid on time yet said the late fees will continue anyway! They also told me to pay a lesser amount than what's showed on my statement, but that would only encourage even more fees so I've continued to pay the full amount.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX had a cyber attack issue causing their system to shutdown and XXXX hour waits on the phone. Due to this customers were not able to make their XXXX payments online. I tried for several days to make the payment with no luck and eventually assumed payment would be due together with XXXX payment. Apparently their system opened back up on XX/XX/XXXX and they said they notified everyone by email. Theres no proof of such notification and I never received it. On XX/XX/XXXX XXXX XXXX reported my payment late and notified the credit beaureus. Although Ive never been late on a payment and this was caused by their cyber issue.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

On XX/XX/2021 I asked for amerihome mortgage to please stop calling me and to place my number on the dnc list. On XX/XX/XXXX they called my number again after I requested a dnc so the prior individual did not record the dnc which is a violation of my rights.
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

My records associated with the account MERCHANTS CREDIT GUIDE do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to MERCHANTS CREDIT GUIDE but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-08-28
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. (FL)

NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX I received a charge from XXXX for {$180.00}, which I disputed through my credit card issuer, American Express. I received a provisional credit from American Express on XXXX XXXX. Upon receipt of a refund check from XXXX I contacted American Express to reverse the billing dispute on XXXX XXXX, which lead to a fee being charged to my card by American Express in the amount of {$180.00}, which I was told would be forwarded to the merchant. Upon receiving collections notices from the merchant, XXXX XXXX, I opened an inquiry with American Express and it was determined that the original dispute was not properly closed and would need to be rebilled. On XXXX XXXX a charge for {$180.00} showed up on my credit card, and was tagged with the merchant information. I then contacted American Express to reverse the {$180.00} fee that was manually added to my card, but they have closed, opened, and closed out the dispute and have given me the run around on resolving this issue. 

XXXX Fee that needs to be refunded : {$180.00} Reference # XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/2022
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (TX)

I went from having a XXXX something credit score to going up to over XXXX and then my score disappearing and cant get a score on Experian, XXXX, or XXXX. Now I cant get access to my credit that is mine by right. I'm getting turned down everywhere because of this. I called Experian and raised serious concerns and spoke to several people over the phone and followed the dispute procedure over the phone and nothing top help. This is causing undue hardship on me and my family. Its not possible for me to not have any credit file when I've been using my credit since I was XXXX and I'm now XXXX.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS CAUSING GREAT STRESS ON MY CREDIT FILE. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED BECAUSE IF IT VERY UNFAIR HAVING TO DEAL WITH THIS WHEN I AM VERY SURE THAT THOSE TRANSACTIONS WAS NOT MADE BY ME AND IS NO WHERE NEAR RELATED TO ANY TRANSACTIONS AUTHORIZED BY ME. PLEASE RE-INVESTIGATE AND REMOVE THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2018-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/18 I deposited XXXX into a Wells Fargo savings account to a person who posted an ad stating they were renting out there property for a vacation rental. The person who created this account is a fraud/scammer and since the deposit the account has been closed or there are no funds available. I have filed a report with with Wells Fargo bank in XXXX CTwith XXXX XXXX and the Wells Fargo fraud Dept. I also filed with local police in the town where I reside. I have a case number also. I went to Wells Fargo in XXXX CT to report that I was scammed and I would like to get my money back from the branch I made the cash deposit to in XXXX, CT. Wells Fargo did not issue my cash deposit money back. I also have my receipt of that transaction.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In or about XX/XX/XXXX I started getting mail and phone calls from Portfolio Recovery and Associates ( PRA ) about 3 separate accounts originally belonging to XXXX XXXX. I believe that the dates and amounts are grossly misrepresented and conveyed the same to the collector requesting validation for the alleged debts and failed to receive anything except for a demand letter. This occurred about 2 months after receiving the initial letters and calls. In XX/XX/XXXX I  moved and had not heard from them after I had demanded validation. In the Fall of XXXX, I noticed that these 3 accounts were on each one of my credit reports with the 3 major credit reporting agencies ( CRA ) : XXXX, XXXX, and XXXX. At this point, I disputed and re disputed these accounts with the CRAs with the same incorrect information being updated and further damaging my credit standing. Additionally, earlier this year in XXXX, PRA started reporting and did so SIX times an incorrect address in Arkansas on my credit bureaus causing a couple of creditors to flag my account. I have never lived or even been to Arkansas. Finally, I sent a demand for deletion to PRA and have not had any response and the accounts have not been deleted.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE ANOTHER COMPLAINT ABOUT A COLLECTION ACCOUNT REPORTING ON MY CREDIT REPORT THAT IS ONLY REPORTING ON TRANSUNION AND THE OTHER 2 BUREAUS ARE NOT REPORTING IT AT ALL WHAT SO EVER! THE ACCOUNT NUMBER TO THIS ACCOUNT IS XXXX FOR CREDIT COLLECTION WHICH TH EORIGINAL CREDITOR IS XXXX XXXX  COMPANY. IT IS A PAID CHARGE OFF REPORTING AT A XXXX BALANCE. I REALLY DO NOT UNDERSTAND WHY THIS ACCOUNT IS ON MY CREDIT REPORT TO BEGIN WITH. ESPECIALLY WHEN IT IS ONLY ON TRANSUNION. I WOULD REALLY APPRECIATE SOME ASSISTANCE ON THIS ACCOUNT AS YOU HAVE ASSISTED ME IN THE FUTURE. I DO NOT BELOIEVE THAT THIS ACCOUNT IS FOLLOWING THE FCRA AS IT STATES IT DOES. PLEASE INVESTIGATE THIS FURTHER. THANK YOU
Consumer complaint received 2018-12-26
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. (IL)

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX   Closed Credit Card Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX  Other Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Sychrony bank, XXXX XXXX has been making charges against card causing card to accrue interest fees and going over the credit limit. In XXXX {$2500.00} in charges were made by me and since then Ive paid religiously {$100.00} or more. These security charges caused the card to reach a balance of almost {$3500.00}. Recently I called about the security charges in which I spoke with a delightful person who refunded {$1800.00} and some change to the account in question which left the account balance around $ 1500+. I recently channeled this same situation through this site in which I was contacted by a senior specialist XX/XX/XXXX through email and advised to call to speak about situation. I called and was greeted with a voicemail saying this person would be on vacation for XX/XX/XXXX, understandable. A week later with no call back I replied back to email on XX/XX/XXXX saying I received no call back about situation and received an email saying because of security purposes that this couldnt happen through the channels of communication I asked for. In turn, I received another email saying the situation had been resolved with a late fee refund of {$45.00}, in which my ten years of credit history I have never been late on any payments. I replied back asking to be called because the way I was being treated was not very good. Till this day, the card has not been used since early XXXX but shows charges to be made and interest fees assessed. As of XXXX it shows over {$300.00} in charges made and over {$400.00} in interest accrued to these charges. I have not used this card so how could charges be made? Simple math shows that {$3000.00} at % 29 would be {$870.00} in interest, with me paying well over {$2000.00} since XXXX plus the {$1800.00} that was refunded and whatever payments Ive made this year should suffice for balance completion. I would like this situation to be resolved expeditiously in anyway before I seek legal action.
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NV)

SPRING OAK CAPITAL LLC IS TRYING TO COLLECT A DEBT THAT IS NOT MINE FOR XXXX XXXX FOR THE AMOUNT OF XXXX DOLLARS. I AM DEMANDING A VALIDATION LETTER, SENT TO ME INA TIMELEY MANNER, WHICH I AM ENTITALED TO BY LAW. I AM ON XXXX, THEREFORE MY INCOME IS FEDERALLY PROTECTED FROM SCAMS SUCH AS THIS.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

Macy 's is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt reporting. I immediately called and settled this debt with them. Prior to this, I had not received any notices, calls or emails regarding this debt. This violated my 30 day right to dispute under the FCRA and FDCPA. I ask that Macy 's please remove the tradeline from credit.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a civil complaint on XX/XX/XXXX stating I was being sued for a debt that was bought from a credit card I was told I previously owed on. This was this first and only communication I received from this company stating I owed this debt. They show in court documents a statement stating this account I previously had has a new home. I never received this information. The court documents say this prior account was purchased on XX/XX/XXXX. The amount they claim I owe is {$2100.00}. I have never received any mail, phone call, or documentation stating I owed this company money prior to the lawsuit. In the three years they have had this account no documentation was sent to me.
Consumer complaint received 2022-01-21
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. (MN)

I have previously disputed with XXXX, Experian and XXXX on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY THIRD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

I have been advised I need to close my account as I am a non US resident I have spent a lot of time and money calling Wells Fargo several times to close my account. I have now taken most of my money out at an ATM and did not have time to go into the bank and spend more time closing the account. The customer service team are no help what so ever XXXX weeks later I am still waiting on my account being closed and I will not be paying a monthly fee for their negligence and incompetence I can not find an email address to send a complaint and I am not spending more wasted time and money calling them again to be ignored I am disgusted at such unacceptable customer service
Consumer complaint received 2019-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XX/XX/2019 for 30 days late? 

I am not sure how this happened, but the payment was set up automatically and all the sudden they stop taken the payment from the account. When I found out that they didn't take the money. I personally called Toyota finance, and they said honestly they didn't know what had happened. They also had mentioned that they would take care the late mark on my credit file due to their internal mistake, but now I'm pulling my credit and reaching out to them and they still haven't updated as paid as agreed never late. Again, I had made my payment with them and they had all my bank information. I have never been late with TOYOTA for all the cars I've leased from the.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX XXXX