davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
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: AFNI INC. (FL)

I received a letter in the mail dated XX/XX/XXXX from AFNI regarding the collection for a XXXX account. Before I could have the chance to dispute the collection and obtain validity the company placed it on my credit reports XX/XX/XXXX. Normally you have 30 days to obtain validity with the company. This was my 1st notice I have ever received from them.
Consumer complaint received 2019-11-05
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)

Please be advised that this is my 11nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I MOVED OUT OF THESE APARTMENTS IN XX/XX/XXXX. XXXX A STAFF MEMBER OF XXXX XXXX OFFERED TO COMPLETE WALK THROUGH AS XXXX XXXX HAD THE OFFICE CLOSED DURING BUSINESS HOURS AND WAS UNAVALIBLE XXXX INFORMED THAT EVERYTHING CHECKED OUT GOOD AND XXXX WILL MAIL DEPOSIT ALONG WITH COPY OF WALK THOUGH I PROVIDED KEYS TO THE UNIT. HE REQUESTED CONTACT INFORMATION FOR XXXX IF ANYQUESTIONS. I PROVIDED MY FORWARDING ADDRESS AND EMAIL AND CELL NUMBER AND MOTHER. I NEVER ONCE RECIEVED ANY COMMUNICATION/ CORRESPONDENCE OR DID ANY STAFF MEMBER OF XXXX XXXX XXXX ME IN REGUARDS TO ANY BALANCE DUE OR OWED NEVER RECIEVED MY DEPOSIT CALL NO ONE ANSWERED OFFICE WAS ALWAYS CLOSED WHEN I WENT BY. LEFT IT AT A LOSS. I SEEN ON MY CREDIT REPORT XXXX XXXX XXXX WAS REPORTING A BALANCE OF {$430.00} ON XX/XX/XXXX HOWEVER COM IN WHICH WAS NEVER DISCLOSED WITH ME I ASKED THEM FOR PROOF AND DOCUMENTATION THAT SOMETHING WAS SENT TO ME BECAUSE I DID LEAVE M CONTACT INFORMATION AND STILL HAVE NOT RECIEVED ANYTHING CALLED APARMENTS SPOKE WITH XXXX STATED COMPANY HAD BEEN BOUGHT OUT NO LONGER IN BUSINESS. I ASKED THEM AND HAVE DISPUTED THIS COLLECTION FOR MONTHS AND NO RESOLUTION.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I purchased a home and refinanced an existing home with Dovenmuehle Mortgage Company. Both homes are on the same insurance policy. Dovenmuehle Mortgage then sold one of my loans to another company. Dovenmuehle Mortgage is still charging me for insurance on 2 houses, instead of one. Situation in numerical form : Cost of Insurance : {$4000.00} What Dovenmuehle is charging me : {$4000.00} What new mortgage company is charging me : {$2000.00} Therefore, I am paying {$6000.00} for a {$4000.00} policy. Dovenmuehle refuses to correct the issue and just keeps sending me a breakdown of my escrow account and assuming that I can't comprehend the purpose of an escrow account. 

Dovenmuehle Mortgage Company caused this issue, therefore, they need to fix this issue. They are wasting my time and my money. My mortgage payment has increased by {$800.00} per month because of their error.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2021 I payed on my account {$620.00}, and this payment was not applied to my balance/account. Additionally, interest was charged on a balance transfer and withdrawal when it was advertised interest free for 6 months.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

Over the past year or more!! I have been trying to get XXXX to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. XXXX XXXX  LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that XXXX XXXX Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it s reporting to avoid my having to sue XXXX XXXX for false reporting. Please see the attached showing that Chase Bank does not have standing and never had any rights to bill me for the 32 yrs it has been collecting on this fraudulent account. This is in addition to the document experts proof affidavit already in XXXX XXXX records I already furnished them with previously stating my signature is forged and etc ... I want this fraudulent account report removed immediately. XXXX XXXX is hidden but the attached shows the mortgage was sold to XXXX XXXX then FDIC then JP Morgan Chase Bank, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I have an existing mortgage with New Rez. I was contacted about a refinance and took the offfer to apply for a lower rate. The process took several months and finally closed on XXXX XXXX. 
I continued to watch the website and called to make sure my automatic payments were stopped and was assured that had been done on the old account. 
I set up new auto payments to start in XXXX on the new mortgage. 
My old account was drafted for the old amount and when I called to address this they said my payment would be refunded but only to find out that my old mortgage was never paid off and now I have 2 mortgages with new Rez that are scheduled to draft from my bank account in XXXX. 
I made several more calls and everyone tells me I have to call someone else and 2 have not returned calls as they said they would. No one wants to take care of the problem. 
Where did my refinance funds go that should have paid off my old mortgage. 
Need Help!!!
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

XX/XX/2018 I entered into a loan refinance with Loan Depot. I was in the process of getting a divorce and told them it would be final around XXXX. I needed to get My spouse off of the loan and title/deed. I told XXXX XXXX that my condo was on XXXX lease land and gave him the contact info. He said it was no problem and would take care of it. The loan refinanced but they failed to contact the XXXX company and the BIA. I then was told to do a quit claim. I did this. Then last month I found out that none of the process was followed correctly by the escrow account. They never check with XXXX XXXX or the BIA and now I am told that I have to fill out forms and pay fines as the BIA doesn't allow quit claims and the loan was not divulged to them as they still show the previous loan company as an encumberence. I asked Load Depot to fix this problem and they say they cant. 
" XXXX XXXX XXXX XXXX ( 30 minutes ago ) to me, XXXX As mentioned below, There is nothing we can do on our end, as myself and XXXX process loan application for refinances. We do not have any access to loans that are in loan servicing '' Can you please advise what I should do next? I thought when paying an escrow company to manage a loan that I was paying them to do the correct process?
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

On XX/XX/2018 I submitted to company for validation not verification of debt according to the Fair Debt Collection Practices Act. They have reported negatively to all three credit agencies.I asked them to provide me with their license number, agent of service and that they are licensed to collect in my state. I also asked for a copy of any signed agreement that I have made with this Collection Agency or other verifiable proof that I have a contractual obligation to pay Collection Agency according to the FDCPA.

They did not provide me this information, but instead sent a bill that is not even in my name. I paid the final bill and turned in the equipment, I lived in an apartment complex at the time I had service, which means that they have multiple accounts in one given unit. 
I left the residence and XXXX turned on service under the other 's name without properly closing out the account under my name. 
I am going through divorce issues, but that is no reason this is something this collection agency is going after me instead of the name on the account.
Consumer complaint received 2017-11-03
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. (NC)

Experian is reporting my first name as " XXXX '' and last name as " XXXX '', although I have provided documentation to verify my identity. My first name is spelled with one XXXX and I have never had the last name " XXXX ''. I have called them and written them letters, yet they refuse to remove this erroneous personal information from my credit report. I do not understand this. Attached is my identifying documentation that substantiates my identity. I have also attached their erroneous reporting.
Consumer complaint received 2022-04-06
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. (MI)

Amex /dsnb was charged off on XX/XX/XXXX but still reports monthly late payments XXXX was charged off XX/XX/XXXX but still reports monthly late payments According to section 166 of the Internal Revenue Code, federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax will not put a credit freeze on my account without sending or faxing personal I D including social security number. And they made me give them my SS number over the phone. 

It took me 2 minutes to freeze my account with XXXX and XXXX. 

Equifax is giving me the run around.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX PHH is refusing to acknowledge a Death certificate that has been sent MULTIPLE TIMES since XX/XX/2019. 

PHH refuses to send us to the United States when we reach an overseas rep This is a VIOLATION OF FEDERAL LAW!!!!!!! 

PHH refuses to call us back we have been promised a call-back no less than a dozen times and NEVER RECEIVED A CALL BACK!!! 

PHH IS REFUSING TO SEND DOCUMENTATION TO US THAT THE HOMEOWNER CAN SIGN TO REMOVE LIABILITY FOR PHH TO REMOVE SOMEONE THAT IS DEAD EVEN AFTER BEING PROMISED SEVERAL TIMES NOT ONLY FOR IT TO BE SENT, BUT FOR A CALL-BACK BECAUSE IT HAD NEVER BEEN SENT TO US.

PHH is purposefully LYING and THEREFORE COMMITTING FRAUD against this widowed homeowner. WHY ARE THEY LYING?? -- -- - WHAT ARE THEY TRYING TO HIDE??? -- -- PHH does not care about its clients. PHH does not care about Federal or State Law.

***********THIS NEEDS TO STOP!!!!!!!!!!!!

Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to  deal with us honestly, and not take advantage of his grief by refusing to acknowledge the passing of his wife. I want the DEAD wife removed as a borrower from the Conditional Approval. I want this short sale moved forward immediately, and worked as I was told it would be on XX/XX/XXXX. I wasnt an updated Conditional Approval immediately. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they  clearly have no interest in complying with federal and state law. They dont care about their widowed borrowers, and they dont care about military personnel. 


I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, ( MOST RECENTLY FOR FORECLOSING ON XXXX XXXX SERVICE MEMBERS ) they clearly have no interest in complying with federal and state law. 

**Please see attachment : Authorization Letter and Death Certificate **Please see attachment : Conditional Approval showing a dead borrowers name on it. 
**Please see attachment : " PHH to pay $ XXXX over military service member foreclosures ''
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I have been a victim of a payment of {$600.00} to an unknown individual names XXXX XXXX via Venmo on XXXX XX/XX/2019. 

After opening a trouble ticket with Venmo to reverse this transaction, they claim this was not an illegitimate technical issue with the payment system and that I should use the platform to reach out to the individual with whom the transaction be made and/or file a police report. I have not heard any response from the individual named XXXX XXXX ( @ XXXX ) via the Venmo app.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (MD)

Hello and I would like to know why remitly is not updating me on the transfer that was supposed to be completed, they sent me confirmation that the money was completed on XX/XX/2019 and today is XX/XX/2019 but the bank it was sent to is denying the transfer, so how can they confirm when the funds never made it. I was promised a call back after the investigation but they failed to do that, I made several attempts my self and finally was able to get in touch with the company but they don't have no updates, I would like my money back as I feel this is a scam, why do they promise money in minutes, when it's been a week since the transfer. The money is going to a relative for health treatment and they country it is being sent to unfortunately they do not start any treatment unless payment is made before any procedure. How can these companies get away like this? This is hard earned money.
Consumer complaint received 2019-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Let me point out the inaccuracies. These dates should be matching and also the payment remarks are not consistent with the reporting bureaus. Please help me out on this. 

XXXX XXXX Last Verified : XX/XX/2019 -- Last Payment : XX/XX/2019 XX/XX/2019 Last Payment : XX/XX/2019 XX/XX/2019
Consumer complaint received 2019-11-05
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc. (TX)

I requested that Client Services Validate an alleged debt that they were contacting me about in early XX/XX/2021. Instead they responded by sending medical conditions, diagnosis, and procedures in a correspondence on dated XX/XX/2021. Under the HIPAA law I am allowed to protect my privacy and medical records from third parties. Medical providers are not allowed to share this type of information without a HIPAA authorization.
Consumer complaint received 2020-05-26
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 noticed many unauthorized and fraudulent credit inquiries on my credit report, which is causing me alot of problem. I just realized that in the process of applying for a mortgage to purchase a home. I never authorized this inquiries.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (FL)

Made to payment in full to Mercedes Benz Financial Services ( MBFS ) on XX/XX/19 before XXXX ; however, MBFS posted the payment at a later time and date falsely reporting my account as a late payment to the Credit Bureau.
Consumer complaint received 2018-04-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NY)

I have called Capital Accounts on several occasions to inform them that the amount they have on my credit report is wrong, I asked them 3 times to retrieve the original bill, I spoke with XXXX once and XXXX 2 times. XXXX stated he would send the original bill to me via of email. I never received it I obtained the bill thru my insurance company. so once again I called Capital Accounts to make arrangements to pay he said he could adjust the amount to XXXX, what I actually owe. But when I received the email it still had the enormous amount of XXXX. I have the email and the original bill from my Insurance company stating what I actually owe.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

We applied to refinance with Chase Mortgage and went through normal application procedures after we were approved, which included ordering an appraisal for our home. I reached out several times to the loan department and didnt hear back in a timely manner. So, I shopped around and found a better rate with XXXX XXXX  who offered better loan terms and lower interest. Recently, we are finishing closing our loan with XXXX XXXX, but because we didnt go with Chase they are refusing to release the appraisal report and transfer rights to the report to the lender we are working with. We paid {$500.00} for this appraisal up front.