davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (CO)

On or around XX/XX/2022, I called the fraud department of XXXX, XXXX and Experian to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be removed.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

I ask that a statement be put in the XXXX account 1 ) Not my account and Fraud of Ownership. I asked for proof of Ownership never given. I disputed the account and asked for a statement be put in all my accounts that I invoke all rights, none waived ever. All three refused to do this and you can not dispute on line unless you agree to their terms. I refused to agree to them. Phone dispute is almost impossible to get done.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (VA)

Multiple unauthorized transactions over the Internet withdrew all my money from my Bluebird AMEX account on the same day my direct deposit from work went in my account. The transactions were from XXXX countries and I discovered them on the same day that they occurred and notified my bank while all of them were still on " hold ''. The bank said no action could be taken till the transactions were processed and now that XXXX of them Total ( {$990.00} ) have gone thru and the bank still has not updated me on when I will get my money back. Meanwhile there are at least XXXX more pending transactions putting my account in as overdrawn by $ XXXX and I have no money to live on.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I ask that a statement be put in the XXXX account 1 ) Not my account and Fraud of Ownership. I asked for proof of Ownership never given. I disputed the account and asked for a statement be put in all my accounts that I invoke all rights, none waived ever. All three refused to do this and you can not dispute on line unless you agree to their terms. I refused to agree to them. Phone dispute is almost impossible to get done.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (WA)

I'm trying to set up bi-monthly payments with my existing mortgage provider, American Pacific Mortgage ( XXXX ). I went through their setup process in XX/XX/XXXX and confirmed with my mortgage provider that everything was done correctly on my end. This was supposed to start with my regular XX/XX/XXXX payment, after I made my regular monthly payment in XX/XX/XXXX, which I did. Now I'm being told that I have to make a regular payment in XXXX and in XXXX before this starts. This is 3 months past the point I was previously told that this would start. I don't trust what American Pacific Mortgage is telling me and I feel that I'm not getting a straight answer, or any sort of confirmation when my bi-monthly payment will actually start. I would prefer to work this out directly with American Pacific Mortgage but I don't feel they are being truthful with me, so I'm contacting the CFPB directly.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian refuses to allow me to place a freeze on my credit report using the online or phone system. They want me to mail all sorts of personal information to them through US mail in order to do this. This sounds completely ridiculous. Someone has tried to open a credit card in my name and I'm just trying to protect myself as the law permits.
Consumer complaint received 2018-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

I have requested a full statement from them, they told me they would get back to me but never did then when I emailed them they said they would get back to me they didn't then I emailed them again and nothing this is a copy of the email sent to them To whom it may concern, My address is XXXX XXXX XXXX XXXX. you have stopped sending statements on this address for 2 years. I do believe you are not complying with the rule of : Periodic statement rule .So letting you know this I would like the statements to start being send again if you continue to not send them I will file with the Consumer Financial Protection bureau. 

Thank you XXXX XXXX XXXX They are not completing with periodic statement rule I have not record of where or what funds have been applied loan number XXXX
Consumer complaint received 2022-09-09
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. (CO)

On or around XX/XX/2022, I called the fraud department of XXXX, Equifax and XXXX to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be removed.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

For at least the past two years when trying to get my free credit report from XXXX, for Equifax, I am forced to mail in my request versus online. 

I seem to arrive at this requirement when I incorrectly answer questions about my credit file to verify my identity, although a specific reason is not given. I appreciate Equifax takes these measures. 

However, one of the question was regarding an account opened in 2002. It is completely unreasonable to expect a consumer to remember if a particular account was opened 17 years ago.
Consumer complaint received 2018-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

In XX/XX/XXXX I filed bankruptcy. In XX/XX/XXXX my mortgage was sold to Dovenmuehle Mortgage Inc. I made my first mortgage payment to Dovenmuehle in XX/XX/XXXX. As of XX/XX/XXXX, I've paid my mortgage for each of the 29 months I was with Dovenmuehle. Each month was paid via check for a total of 29 checks thus far. In XX/XX/XXXX my bankruptcy was discharged from the court system. Shortly after my bankruptcy was discharged in  XX/XX/XXXX, Dovenmuehle sent me a letter stating that I was behind on my mortgage payments. After speaking to my bankruptcy lawyer, I was informed that Dovenmuehle did not submit the proper paperwork to the courts during the bankruptcy timeframe. Dovenmuehle states that they increased my mortgage during the bankruptcy process but they did not legally file this with the court, nor with my bankruptcy lawyer or myself. Dovenmuehle has been inaccurately harassing me since XX/XX/XXXX about missed payments and late charges for a mortgage increase that I was never informed of. On XX/XX/XXXX, I received a mortgage statement from Dovenmuehle via mail for the amount of {$2200.00}. That amount includes an overdue payment of {$1300.00}, plus {$200.00} for bankruptcy attorney fees, and a new/higher monthly mortgage of {$680.00}. For 29 months I've paid my mortgage of {$670.00} for every month via check and I have proof of payment from my bank. Dovenmuehle never informed me or the court system about an increase in mortgage nor about any overdue fees/charges. I was never contacted by Dovenmuehle regarding any increases to the mortgage but am now being harassed and threaten to be sent to collections for an unexplained overdue balance. My bankruptcy lawyer reviewed the terms of my bankruptcy case and determined that Dovenmuehle never submitted any documentation of any of these miscellaneous charges or increase in monthly mortgage payments to the courts. I am not responsible for paying for charges that were never legally communicated to me, my lawyer, or the courts and am requesting an investigation of this mortgage company.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (WI)

Account info Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$74.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$110.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$30.00} Original balance {$1500.00} Highest balance {$950.00} Never used a penny, still shows i owe {$110.00}
Consumer complaint received 2024-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SUN WEST MORTGAGE COMPANY, INC. (AZ)

I've sent a Debt validation letter on XX/XX/2024. The company is refusing to send me the documents I've asked for. Therefore, without them sending me the information I've asked for, I was forced to go into bankruptcy to stop the sale of my property. I've asked for this information on several occasions. These are the documents that I have requested and have been notarized. I keep getting threatening letters from their lawyers foreclosing on my house. 
1. A CHECK OR BANK TRANSFER THAT PROVES THAT A LOAN WAS ISSUED 2. THE PROMISE TO PAY/THE PROMISSORY NOTE 3. THE TITLE WITH SUNWEST MORTGAGE COMPANY ON IT 4. THE CORPORATE RECORDS, THE FINANCIAL RECORDS AND THE BOOKING OF ACCOUNT RECORDS TO MY HOUSE, SO CALLED LOAN 5. A COPY OF THE SALES AGREEMENT OR ANY OTHER DOCUMENTS THE PROVES HOW YOU OBTAIN THIS DEBT.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX flagged my Experian credit report as a serious delinquency as a Charge-off when I am current paid as agreed never late. I barely use this credit card and make all payments monthly as agreed. Why is this company reporting a serious charge-off over 120 days to my Experian report when I make all payments as agreed? This is an FCRA violation and needs to be investigated. More importantly, I am unable to dispute this status with Experian because I am not late and account is paid as agreed at the same time of serious delquency 120 day charge off flagging so dispute process will not allow it.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

AMEX will not release my membership points despite having earned the membership reward points 1 ) Through the advertised promotion 2 ) Through *other* card accounts held at AMEX despite other accounts having nothing to do with whatever random fraudulent checks AMEX has decide to impose on cardmembers.
Consumer complaint received 2021-02-04
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 — Investigation took more than 30 days
Company: Convergent Resources, Inc. (TX)

I contacted this creditor ( Convergent Outsourcing ) on XX/XX/XXXX via certified mail ( tracking info XXXX ) Explaining that they need to verify that this debt belongs to me and the only thing they sent me was a old bill which doesn't meet the standards of verifying the debit. I never had an account with XXXX and also didn't recognize the phone number on the account. They failed to show proper evidence bearing my signature and they are reporting negative late payments on my credit report which is not allowing me to get approved with lenders. I sent another certified letter stating that a bill does not prove this account is mine and now they haven't responded and its been over 30 days. Letter sent certified and delivered on XX/XX/XXXX. ( Tracking info ( trackingID XXXX ) I sent another Certified letter on XX/XX/XXXX but I feel they will not respond due to their prior actions so I decided to go ahead and file a complaint. This is the only negative item that is on my XXXX and XXXX that is holding myself and my family back and I really don't appreciate them violating the law and continue to ignore my request. This is inaccurate information being reported and needs to stop immediately.
Consumer complaint received 2019-10-28
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: Carvana Group, LLC (TX)

I have spoken with Carvana about several inquiries that have shown up on my credit report and they have failed to contact me back with this issue. Its been an ongoing issue for about several months. I had one manager tell me the inquiries will be deleted but still nothing. 

Inquiry - XX/XX/2018 - Carvana Inquiry - XX/XX/18 - Carvana Carvana has never been given permission to run my credit. I purchased a vehicle from them but not during these dates. Vehicle purchase was the beginning of 2018.
Consumer complaint received 2018-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NY)

Dear Sir or Madam, Common Wealth Financial Systems CFS has attempted to collect a false debt of {$1400.00} from XX/XX/2013, with no verification, and no proof or legal claim, or valid right to collect monies. It is my understanding that they falsify claims and prey upon elderly, ill and XXXX who have received services from medical institutions that have transitioned to new administrations. I would like to join in the class action lawsuit that is currently being filed against this fraudulent debt collection agency. The name/number I was given to contact is XXXX XXXX at XXXX XXXX XXXX ext. XXXX. 

Their listed information shows : CFSI Account # is XXXX, current creditor XXXX XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX, Original Account XXXX. 

I have contacted the company with no response from them yet. 

Please Advise, XXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

I received a call from Diversified Consultants.Inc .. Stating they trying to collect a debt for XXXX. I ask them to send over proof that this was my Debt in writing and i never got any thing. So i wrote them on XX/XX/2019 a letter to Validate debt.Asking them for copies of a sign contract from stating the i agree to pay this debt from XXXX, They response on XX/XX/2019 that they received verification from creditor All they sent over is a bill statement .Nothing with my signutare on it, Nothing stating they own the debt from XXXX . 

Then on XX/XX/2019 the stated they place my account in validation .Which then they still never sent over anything with my signed name on it.THEN ON XX/XX/2019 they sent me a fraud affidavit form from XXXX .So then i sent a letter on XX/XX/2019 them that is is not a valildate debt to them under fair credit reporting act, I have not heard back from them yet.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I opened my bank of America account on around XX/XX/XXXX. I also attached the {$300.00} checking account offer to my checking account. The offer code was XXXX. I fulfilled all the requirements on XX/XX/XXXX and XXXX, which is direct deposits totaling XXXX.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan was transfered to shellpoint mortgage from XXXX    XX/XX/2019. When the loan was transfered my unit number was omitted and i never received any statements or any other documents. When i called i was told that my loan was in the process of transfering and i should call back. When i called the number that i was given i made a payment over the phone and was given a confirmation number for the payment and 3 other payments after that. I still had not received and statements or documentation either by mail, email or phone. It wasn't until i went to make another payment by phone and my balance was very high. I called spoke with someone and was told my payments had not gone through and that i was being charged NSF and late fees. I was told my unit number has been omitted and my statements had come back. I have called, emailed several times and keep being told my case is being worked on. I recently discovered this has affected my credit and now need to fix that. Thank you in advance for your help.
Consumer complaint received 2021-11-30
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. (TX)

I have disputed directly with Experian and XXXX both regarding XXXX. The account has been illegally re-aged! I have submitted dispute after dispute to no avail. There are so many inaccuracies within the way the account is being reported but after several disputes nothing has been done! The account type is missing which makes the account inaccurate in XXXX way. The number of terms is missing- inaccurate. Experian failed to perform a proper investigation as the last date is XX/XX/XXXX! It was just disputed in XXXX of XXXX! XXXX failed to list to whom the account was sold to which is a violation! Experian shows the last reported date as XX/XX/XXXX. XXXX shows XX/XX/XXXX. How is that even possible when the disputes were submitted at the same time. For sure less than 2 years ago! Experian has the date last active as XX/XX/XXXX and XXXX has it listed as XX/XX/XXXX. That proves the account was illegally re-aged! Experian has the date of last payment as XX/XX/XXXX and XXXX shows XX/XX/XXXX! How is that even possible when the information is supposed to be furnished by the same company? I believe it is a tactic to prolong how long the account is supposed to report on my credit file which is illegal! XXXX is reporting a payment history each month at OK while Experian shows the account as charged off! If the account was sold to XXXX XXXX XXXX XXXX why is XXXX still reporting this account? I have sent both bureaus a dispute and they continue to ignore my dispute and report this inaccurate account with no regard. How can both these bureaus continue to report this account even though it is not 100 % accurate along with a serious FTC violation of re-aging? They are purposely damaging my credit file and causing me harm.
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (LA)

I looked at my XXXX credit report and it went down 56 points. I immediately look to see what it was and call the collection agency number to find out who it was from. Than I called the billing department at the hospital they didn't have any records of me at all. So they told me to call the collection agency and get a account number. I called them and they gave me a number and they said that the bill came from a doctor not the hospital and they gave me the doctor 's name. So I called the billing department back and gave them the information and they said that the doctor 's don't have separate billing and the account number wasn't even close to the ones they use. And the guys I talk to at the agency told two different stories. I need this off my credit report.
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA (TX)

To whom it may concern, On a recent review of my credit report, I discovered your company, FNB OMAHA continues to report the collection account referenced herein. Prior disputes have not resulted in validation of the debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Statements showing itemization of monies owed. 
Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 
Proof that you are licensed to collect in my state of residence I am also requesting that FNB OMAHA cease and desist from all collection activity pertaining to this account. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the XXXX XXXX XXXX, and the Attorney Generals Office.
Consumer complaint received 2019-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My payment is due on XX/XX/2019 and I called to make a payment. The customer service rep was not able to process my payment because their systems have been down all day. Because of their system error I am going to be charged a late fee and it will show that my account was past due. This is not fair to me because I make sure that all my bills are always paid on time and now my account is going to report that I was late. This is going to affect my account to ever get a credit line increase in the future. I have been working hard to keep my account in perfect standings and it just not fair that its not going to be perfect anymore because their system error.
Consumer complaint received 2019-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a consumer protection and an Identity Theft report. ( See attached reports. ) I did not authorize these fraudulent accounts. I have also provided you with copies of my social, current and past address and license.