davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (CA)

Amerihome Mortgage holds the loan on our house. The funds we pay in to the escrow account include money to pay our real estate taxes. We received a delinquent notice and contacted them yet the taxes were not paid. We received a second notice and contacted them again. Again, the taxes were n't paid. We received a third notice and my spouse, who is an attorney drafted a demand letter. The taxes were paid however Amerihome did not pay the penalties that they incurred through their delay.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Admin Recovery, LLC (VA)

This representative from a XXXX collection agency ( # is XXXX ; then continued calling from an unknown number ) calls me repeatedly ( averages about XXXX20 times per day back to back ), and cusses me out calling me all kinds of names such as XXXX scum of the earth '', etc. I have told him that I will file a complaint and he says that he does n't care, and will have me arrested for not paying my debt. I am tired of his harassment. He refuses to give me a name but says he can be called XXXX I am tempted to call the police on him.
Consumer complaint received 2022-09-07
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: Resurgent Capital Services L.P. (TN)

LVNV Funding LLC C/O resurgent capital services is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of XXXX XXXX fair credit reporting guidelines
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2022 at XXXX XXXX XXXX, I requested a domestic wire transfer of {$30000.00} from my Chase checking account to XXXX. Normally, it takes only a few hours to wire transfer. The Chase customer service representative reviewing my wire transfer stated that Chase is reviewing my wire transfer and it will take up to 1 to 2 business days. The Transaction number is XXXX.
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

I made a {$1000.00} payment to Ditech Financial LLC on XXXX XXXX XXXX that has not been credited to my account ( XXXX ). I have sent a copy of my bank statement showing the payment. Ditech told me this was not good enough proof and they could not find the payment.They instructed me to go to my bank and get a check or tracing/tracking number which I faxed to them on XX/XX/XXXX. I am still not getting results from all the information I've given them. I am also being charged late fees. they have recently transferred my account to XXXX XXXX ( XXXX ). I feel as though Ditech is giving me the run around and making me jump through hoops to avoid doing anything about my " lost '' payment especially since they transferred my account. Please help me correct this matter.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Tower Loan of Mississippi, Inc. (LA)

I have a loan with this company for years. Always pay early and more than is due. They called about 4 weeks ago offering me to renew and get over {$1000.00}. I didnt do it at that time. I called a couple of days ago to see about getting money, the next day they said they can only get me {$500.00}. No reason why. The manager XXXX wont get on the phone. They pulled my credit and will not give me an answer as to why they dont want to give me the money they originally promised. That goes against the FCRA. I deserve an explanation!
Consumer complaint received 2017-05-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (FL)

I applied for a personal line of credit  at Wells Fargo  on  XXXX   XXXX  over the phone and received a letter of denial that shows my credit of  XXXX  from  XXXX  on  XXXX   XXXX  but the credit monitoring service that I pa y Wells Fargo for clea rly shows that my   XXXX    score was  XXXX  in  XXXX .
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CO)

Seterus purchased my loan in XXXX 2015, I sent in additional principal payments, that were applied to future months regular payments both Interest & Principal. I asked for payoff amount and sent in check for that amount. It was also applied incorrectly and now receive notice that I still owe {$7.00} for the XXXX payment, should have been paid off at the end of XXXX. They also now want me to pay for flood insurance XXXX {$630.00} XXXX to cover {$78000.00}. I have contacted them numerous times and have been told someone will call me back. Still have n't heard back from anyone, wonder if I will ever get my deed. They use terms like we will have this dealt with in 30 days. Also wonder if they will acknowledge they took interest money that was for in future months.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (TX)

XXXX has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are AN 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. 

Experian has inquiries that are double inquiries such as XXXX  XXXX XXXX XXXX and XXXX  XXXX. There are also inquiries from companies XXXX XXXX did not notify me of checking my credit with such as XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

XXXX has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX ( 2 times ), XXXX XXXX, XXXX XXXX, XXXX XXXX 

I have called each company to have these inquiries removed and they denied me and the request to have inaccurate or expired information removed.
Consumer complaint received 2016-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (AR)

My loan was sold from XXXX XXXX to PHH. I did not know this as I never received a notice. I have been paying my loan on " autopay '' but XX/XX/XXXX went to increase principal payment amount and saw my loan was paid off. I called XXXX XXXX and they told me my loan had been sold to PHH. I asked them to provide me with account information for PHH so that I could reach out and ensure payment would be made on time. XXXX XXXX refused to provide any information stating that they could only mail or fax. They also communicated that I should not worry as I had 60 days to make payment. Then on XXXX XXXX, I received a bill from PHH that was mailed on XX/XX/XXXX showing that payment was due on XX/XX/XXXX but mailed on XX/XX/XXXX?? It also showed that they never debited XX/XX/XXXX payment and now they showed XXXX months due. I tried to go to PHH 's site to pay but was unable to do so due to their site 's limited functionality. I did set payment for " autopay '' that will start with XX/XX/XXXX payment, and mailed in a check on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX. Then on Saturday, XX/XX/XXXX, I received a notice from PHH saying that I was 31 days overdue on my mortgage and that adverse actions may be taken. This is frustrating and causing me much anxiety as it is very important that I maintain a good credit rating and on-time payment history. PHH 's notice requested that I called " immediately, '' but when I tried their IVR noted that they were closed. Their poor processes are unacceptable and must be corrected. Moreover, they need to guarantee to me that no adverse action was or will be taken on my account. Not to mention, that they owe homeowners like me an apology.
Consumer complaint received 2021-06-06
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. (AL)

I wrote in to CFPB on XX/XX/2020 about a issue on my Equifax credit report. I told this company that I had a debt that was reinserted or never removed even though the updated report stated that it was removed. Equifax wrote back to CFPB on XXXX XXXX saying that they mailed me a update but nothing was updated. As of today this debt is still appearing on my report and if an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. When you receive the notice, you will have to go through the same process to contest the mark as you did the first time. When you contest the reinsertion, you may want to include paperwork showing that the mark was previously contested, and removed. I did not receive any kind of notice from Equifax about this reinsertion. Negative mark is confirmed, I did not get no response, They have violated the FCRA. Neither the creditor nor the CRA can argue that they incorrectly deleted the item the first time, or that the mark was removed in error ; if it was removed pursuant to your prior letter informing the CRA that the mark is inaccurate, it can not be reinserted for any reason.
Consumer complaint received 2022-09-07
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. (TX)

Equifax has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are AN 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 has inquiries that are double inquiries such as XXXX XXXX XXXX XXXX and XXXX XXXX. There are also inquiries from companies XXXX XXXX did not notify me of checking my credit with such as XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

Equifax has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX ( 2 times ), XXXX XXXX, XXXX XXXX, XXXX XXXX 

I have called each company to have these inquiries removed and they denied me and the request to have inaccurate or expired information removed.
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (CA)

I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( XXXX ) XXXX years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.
Consumer complaint received 2016-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (PA)

i am a victim of identity theft and someone open and bill for XXXX in my name. i have sent the police report to this company for proof that the account isnt mine and it is still on my credit report
Consumer complaint received 2021-05-19
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. (GA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$6800.00}, {$3500.00}, {$6200.00}, {$14000.00}, {$20000.00}, {$3100.00}, {$7500.00}, {$0.00}, {$11000.00}, {$12000.00}, {$14000.00}, {$0.00}, {$1600.00}, {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

11. XXXXK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

13. XXXX XXXX XXXX  XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

14XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNT 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm in disagreement with the account listed below which still appears on my credit report, even after being investigated. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send a updated copy of my credit report after the reinvestigation.
Consumer complaint received 2023-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature.

You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. 

Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion reports incorrectly that I must bring this account current even though I received a XXXX Cancellation of Debt from XXXX XXXX XXXX. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-06-03
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Transunion verifies the debt sure the have my ss # and address that does not mean they can report an old debt
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (TX)

XXXX XXXX Affirm XXXX 2022. Regarding account that is listed on my credit report. I talked to someone in the fraud department. XXXX. She said someone from the fraud department would be reaching out to me. I asked how will they reach me. Because she never asked me for my number or email address. She said email. I said to the rep do she has my email on file. She said yes, I asked her to verify. The email address confirmed was not mine. She began to say that they would call. 
Someone apparently has my phone number associated with the Affirm account that is not mine. Ive never had an account. This is not mine. I want this account removed from my credit file. They have not been able to tell me what information they have regarding the Affirm account.
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CAVALRY INVESTMENTS, LLC (CO)

Violation of FCRA Violation of FCRA Fair Credit Reporting Act Reporting old debt as New or Re-aged False Statement in Re-aging old debt in reporting to credit report companies Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' sent letter to consumer with XXXX as letterhead and return address, implying threat of suit