davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

I have written several conplaints against XXXX XXXX XXXX who sold my mortgage to Dovenmuehle Mortgage Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX in XX/XX/XXXX without my knowledge. I never had an escrow account because I pay the insurance & the property is tax exempt. When Dovenmuehle Mortgage INC purchase the Mortgage that 's when all XXXX broke loose. Dovenmuehle Mortgage Inc created an escrow account and added over {$7600.00} to my mortgage. Dovenmuehle Mortgage INC never reported this to IRS. As a matter if fact, Dovenmuehle Mortgage Inc reported to IRS that they were servicing the mortgage for XXXX XXXX XXXX  XXXX. We kept going back & forth even after I wrote them regarding the Notice of Error in maintaining my record & the overcharges. Dovenmuehle Mortgage Inc refuses to correct their record & return my money which was over charged. According to XXXX XXXX ( letter dated XX/XX/XXXX,  XXXX XXXX XXXX system is designed to rob me by charging XXXX cents oer month ( extortion ) The paperwork shows that during the transaction between XXXX XXXX XXXX & Dovenmuehle Mortgage Inc I was charged attorney 's fees & other charges associated wirh closing a mortgage loan ( I want all my money refunded ) Dovenmuehle Mortgage Inc applied pressure to me to accept their lian modification. They tried to foreclosure on me & made it almost impossible for me to get the Mortgage reinstated costing me almost {$20000.00} in attorneys fees with {$10000.00} going to XXXX XXXX XXXX attorneys. All my records registered with XXXX County shows XXXX XXXX XXXX XXXX, XXXX XXXX, NJ as the Lender. 
In an attempt to steal more money from me theu extortion, Dovenmuehle Mortgage Inc changed my contact with XXXX and XXXX XXXX XXXX send forged documents to XXXX as well as tried to use the mortgage clause to remove XXXX XXXX XXXX & add Dovenmuehle Mortgage Inc to the Insurance. Note ; this is only done when one purchase a new mortgage, refinance or does a loan modification. I, XXXX XXXX did none of that ( I did not purchase, refinance or did a loan modification ) On XX/XX/XXXX, I paid the initial deposit to XXXX XXXX XXXX via my agent, XXXX XXXX with arrangements for the remaining balance if {$1000.00} to be paid monthly. Dovenmuehle Mortgage Inc sent a check without any return address to pay the remaining balance. I called XXXX & told them to send the check back. This was done yet, Dovenmuehle Mortgage Inc still has an escrow created & refuse to send me back my money.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: YSA ARM LLC DBA Oxygen XL (NY)

Dear Madam/Sir, My name is XXXX XXXX XXXX 
Im contacting you in regard of a business that closed during Covid.

The name of the business was : IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Around XX/XX/XXXX We made and agreement with a credit card Processing Merchant doing business as : XXXX XXXX XXXX  as per their fax page header ( see attached ) but invoicing us under the name XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX As you can see from the agreement they faxed to us dates XXXX/XXXX/XXXX at XXXX They agreed to give us a rate of 4 % flat for all our monthly processing. Unfortunately after a review of the charges we later found out that they were charging us in most case between 6 % and 8 % instead. We asked for a refund, but they denied it. Hence we asked repeatedly to close the account ( See attached docs ). They finally confirmed account was closed as of XX/XX/XXXX. 
After some time we were contacted from a collection agency : OXYGEN RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel : XXXX Fax : XXXX Email : XXXX We tried to explain that we owed nothing but they didnt care and put a Deroga Mark on my credit. At that point I contacted the Office of the NYS attorney General ( sea attached ). 
Finally Merchant Service agreed not to hold us responsible for anything that Oxygen claimed we owed and thanks to the AG office signed a document confirming that.

Many years have passed and Oxygen still calls me threatening to put me on collection again and ruin my credit if I dont pay {$1800.00}!

I really hope you can help me. I did an internet search and soon fond out that Merchant Service and Oxygen are not new to this.
Consumer complaint received 2022-09-09
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2017-10-04
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. (CA)

Hello I dont know exactly how it happened but my credit report dropped almost XXXX points as of this month as the Equifax data breach happened and I cant find out why it happened from the company. Please help me put a fraud alert on the company.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

XXXX responded XX/XX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XX/XX/XXXX on my credit report and XXXX told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XX/XX/XXXX. 

XXXX responded XX/XX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XX/XX/XXXXand XXXX has not responded. 

Equifax responded on XX/XX/XXXX and removed the accounts, and appeared on XX/XX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XX/XX/XXXX and was not showing any of the accounts due to fraud now as of XX/XX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XX/XX/XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (FL)

During the hurricane Irma, from XXXX thru XXXX We did n't have internet service to access on my BBT account. The mobile app shows error all the time. I lost counting how much money I have on account and the first fee come on XXXX, I went to the bank and I ask them to freeze the account because I do n't have money on my saving to transfer and cover the balance. It was lips service that they will do something. 
I am old customer from XXXX and I forgot that I have overdraft protection. They charge me for overdraft protection but I do n't have benefits from that, looks like double dipping. 

From that first overdraft fee I was NUMERUS time to ask them if they can do something to stop that account collecting charges and fees. I explain to them that my business is under construction it does n't make money like in normal days, I am divorced I have a small child and it is happened that I am tight with money.I try to cancel everything what is connected with that account and still pop-ups some charges, the situation is ongoing, every day the new fee is coming and I cant stop them.ThXXXX more they coming, the more I am falling in hole.The XXXX does n't budge works for them, why to stop. 
I have to mention that XXXX is my second language and I apologize for mistakes.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (LA)

This letter a formal complaint about Ally credit is reporting inaccurate information on my credit report The inaccurate information was not fault mines but the Fault of XXXX XXXX XXXX XXXX XXXX. The bank was doing system updates, closing all old accounts. This system updates causes a system errors put ACH stop on the account that applied to my account and routing number due to closing of old accounts. The ACH stop remained on my account in error cause my credit payments to be late on behalf of Banking system error. I I had to wrote Ally Credit Company explaining what happen took place and also provide a letter from XXXX XXXX XXXX. Explaining to Ally this was a bank error. It was out of my control. I received a called from Ally Customer Service. I had to provide Ally with copy of credit report showing inaccurate information being report to all three credit bureaus. I also provide Ally with a letter from the Bank. I was in the process going to closing on my house when credit score drop by XXXX points. This bank error cause me not close on my house. I had worked so hard to establish good credit.
Consumer complaint received 2022-09-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I recently submitted a dispute to Equifax on XX/XX/2022, via certified mail with a return signature. The dispute was in reference to inaccurate accounts reporting on my credit report. ( See the attachments ) In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accuracy.

Equifax stated that these accounts were properly investigated and came back as verified and accurate. How is this true when there are several inaccuracies shown in my report? Equifax is now reporting a recent late payment on a closed/charge-off account which has caused my credit score to drop. I reached out to Equifax about their response on XX/XX/2022, and after several attempts, I finally got a rep on the phone by the name of XXXX. And I explained to her that I disagreed with their investigation. And asked, 1. What were the steps Equifax took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
What was the process of their investigation? And her response was, that they reached out to the creditor electronically and the creditor verified that the accounts belonged to me. How exactly???? 
2. Why are they now reporting a recent late payment on a closed/charged-off account that's over 6 years old? She then asked if I recently missed a payment. Really? Where do they hire these people?

Because Equifax is reporting inaccurate information it's been challenging to obtain credit for personal and housing purposes and it has caused a severe amount of stress. The continued inaccurate reporting of this information is a clear violation of the law according to FCRA. and According to 15 U.S.C. 1681n civil liability for willful non-compliance any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} per violation. Please delete these accounts immediately. XXXX XXXX XXXX-line of credit- ( {$1400.00} ) -account # XXXX, XXXX XXXX XXXX auto loan- ( {$5900.00} ) account number XXXX and XXXX XXXX XXXX-revolving- ( {$5400.00} ) Account XXXX XXXX Thanks in advance!
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (DC)

I have the CITI credit card which my limit was only {$2000.00}. Yes I kept a high balance on the card but I decide to pay it off in XX/XX/2020 and when I did CITI decreased my credit limit, I have not once been late on any of my payment it would have been nice for them to increase my limit to {$10000.00} and not decreased to {$500.00} which now have hurt my credit score. I am very disappointed with CITI on how wrongfully that have treated me
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There was a glitch in transunions system. There are inquiries on my account that are not authorized. Please assist me in removing the following inquiries of my credit report : XXXX XXXX. XXXX XXXX, 2016 XXXX. XXXX XXXX, 2016 XXXX/ XXXX XXXX. XXXX XXXX, 2016 XXXX XXXX. XXXX XXXX, 2016. & XXXX XXXX, 2016
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NY)

There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in Florida and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Equifax credit file is still showing inaccurate information as accounts being open. This is now the 3rd time I have made copies, sent with paid statements and cancelled checks along with bank statement showing the payment has been made, and they are still showing these accounts open. The next step is to hire a lawyer and start legal activity against them. This credit agency has been contacted in the past and nothing has been resolved. They routinely send me the same report untouched.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DE)

1. On XXXX/XXXX/XXXX a telephone call was placed with Specialized Loan Servicing to make a partial payment on my usual monthly mortgage. The amount paid was {$XXXX}. The customer service representative took the payment. 
2. I received confirmation in the mail shortly there after about receipt of that payment - confirmation XXXX. 
3. Today, XXXX/XXXX/XXXX I wanted to make another {$XXXX} payment through their website and noticed that payment of {$XXXX} was not applied to the the XXXX 's monthly mortgage amount of {$XXXX}. 
4. When I called today - XXXX/XXXX/XXXX - and spoke to a payment representative, their response was that the amount was applied to the " principal ''. I DID NOT WANT THIS APPLIED TO THE PRINCIPAL. 
5. I specifically wanted this applied to the mortgage payment - and they took the payment without any notation that it would NOT be applied to the mortgage. 
6. The representative said they can not give " ADVICE ''. Well advice is defined as " guidance or recommendations concerning prudent future action, typically given by someone regarded as knowledgeable or authoritative ''. 
7. REFUSING to apply my payment to the mortgage is not advice. 
8. Telling me it can only be applied to the principal is not advice. 
9. IF that {$XXXX} payment would not be applied to the monthly mortgage amount they should NOT have accepted my payment. 
10. NOW I am fraught with paying 2 months of mortgage payments on a monthly social security amount which barely covers mortgage and public utilities. 
I ca n't do that. 
11. SLS should NOT have accepted my payment as I directed if " legally '' it would not get applied to my mortgage amount. 
12. NO advice had to be given ; just a " refusal '' of my payment. Informing me that partial payments will only get applied to principal is also NOT advice. ITS their policy or bankruptcy law. 
13. NOTE : advice is given according to the definition by someone " regarded as knowledgeable or authoritative ''. THIS SLS representative should no signs of knowledge, did not communicate with me effectively in this matter, and ultimately I am now the scapegoat.
Consumer complaint received 2017-10-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XXXX and XXXX.
Consumer complaint received 2017-10-04
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 — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC. (FL)

The collection agency CAINE & WEINER are not license to collect in the state of FLORIDA. The address listed on my credit report is NON EXISTENT. It belongs to a self storage unit. Both FLORIDA licenses from CAINE & WEINER have EXPIRED meaning they CAN NOT collect in the state of FLORIDA. I have disputed the account multiple times with no results and the account keeps getting updated.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (TX)

I recently closed on an Ally XXXX XXXX Mortgage for a Refinance. During that time, I had suffered damage from the XX/XX/2021 XXXX Storm in Texas. 

I received a check from my insurance company, XXXX, in the amount of {$34000.00}, Check # XXXX for XXXX XXXX : XXXX. Due to Ally having no branches, I was unable to obtain endorsement. 

On XX/XX/2021, XXXX XXXX XXXX Ally Closing Expert ) suggested that I could deposit the insurance check via mobile deposit meanwhile, I wait for the Authorization Form to be sent to XXXX However, he requested that I wait until the Authorization Form was completed and sent out. 

On XX/XX/2021, I chatted with XXXX XXXX Ally Customer Service Representative ) and she stated I can deposit the check with no issue. 

On XX/XX/2021 at approximately XXXX XXXX, I spoke with XXXX XXXX XXXX Ally Closing Expert ), who stated that the Authorization Form was awaiting the signature of XXXX XXXX XXXX Ally Post Closing Manager ) and that I can now deposit the insurance check. 

Shortly thereafter, I deposited the insurance check via mobile deposit. 

On XX/XX/2021, at approximately XXXX XXXX, I received an email, stating that Ally could not complete the deposit, Deposit Reference # XXXX. It cited the following reason : " We weren't able to complete this Ally eCheck Deposit because we require that you mail in travelers checks, money orders, and postal money orders. '' It then provided an address to mail a check. 

The insurance check is not a travelers check, money order, or postal money order.
Consumer complaint received 2017-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

XXXX XXXX and I reached a settlement for account no.XXXX. However, the trade line has passed the seven year threshold prescribed by FCRA 15 U.S.C. 1681c ( c ) ( 1 ).
Consumer complaint received 2017-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

I had my debit card compromised staring on  XXXX   XXXX   2017 . Reported it on Sunday with Chase bank. Followed their procedures, and it affected my son as well as he was linked to my account. We shut the accounts down and I went to the branch 2 times. And was promised the money withi n 12 hours on the recorded lines with Chase Fraud.  I escalated again tonight. And still got the same scripted information from reps from  XXXX . This is a complete. Injustice to keep my money when my debit card was hacked. I had physical possession of the card.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-02-26
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. (CA)

There is one account that is appearing on my credit report for all three bureaus that does not belong to me. 

XXXX  - Acct # XXXX XXXX {$0.00} Opened  XX/XX/2019 XXXX