davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MA)

Recently, my bank, XXXX XXXX, switched loan servicing company and the name of the new loan servicing company is Dovenmuehle Mortgage Inc. 

XX/XX/XXXX at XXXX Eastern Time, I called XXXX ( Dovenmuehle Mortgage Inc 's Customer Service number ) to asked why I cant register my newly assigned account number so I can view my mortgage online or make a principle payment. 

They asked me to register through the site again at XXXX XXXX XXXX which is a portal for Dovenmuehle mortgages. I kept encountering an error stating " The Information you Entered does not match our Records! '' and the Customer Service Rep told me that I wont be able to create an account until first quarter of XXXX. That is absurd. I then asked to be transferred to a supervisor. Apparently she was of no help and kept telling me false information. Luckily I have a friend who also has a loan by the same banks and he was able to create an account fine today. I called her out on the false information. She said there is nothing she can do about it and I have to wait till first quarter of XXXX to make an account. She also claims that there was no " register account '' link on XXXX XXXX  website which is also false. I will attach screenshots. She then puts me on hold for no reason and makes me wait to come back with " Is there anything else you need? '' -- I asked for her full name and she only gave me her first name and refused to give me her last name. She gave me a telephone code " XXXX '' to reference her. I managed to find her online and her name is XXXX XXXX, Team leader Customer Service at Dovenmuehle Mortgage. 

So my main complaint is why on earth is it possible for my friend to create an account today BUT for me, I have to wait 6 months. I would like to be able to access my mortgage information online and be able to make principle payments if needed. I'm not able to login at all to their website to access my mortgage at this current point in time.
Consumer complaint received 2020-11-12
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: CITIBANK, N.A. (CA)

There is ONE inquiry on my XXXX report from MACYS dated XX/XX/20 that I do not recognize. Please remove off of my file. 

Inquiry : MACYS Date reported : XX/XX/20
Consumer complaint received 2023-02-10
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXX Last 4 of SS # XXXX Conns Credit Department XXXX. XXXX XXXX XXXX, Tx XXXX Dear Conns : This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Conns Credit Corp Made on : XXXX XXXX Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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. (NJ)

I have these accounts that are not mine and i want them to be removed from my credit report asap. 


1. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 


3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-04-05
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. (GA)

Creditor : XXXX XXXX Account No : XXXX According to the CARES Act, XXXX Bank has violated my rights by reporting payments in XXXX 2020 as late on my consumer credit reports. The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. In XX/XX/2020 there was a Covid forbearance in place however XXXX Bank continued to report my payments as late which is a violation of the CARES act.
Consumer complaint received 2021-08-10
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: WELLS FARGO & COMPANY (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (SC)

I filed a complaint regarding a credit report from our previous mortgage company over a month ago. Contact with you led to them calling me a few days later ( something we haven't been able to get them to do for over a year ). They had tried to put us in foreclosure last year, but I was XXXX XXXX military. What they did was illegal and it took XXXX points from our credit score. When I finally got home after XXXX, we were forced to quick sale our home and move into an apartment. Now our lease is up and we have nowhere to go, and can't even renew our lease where we are because of our credit score. When you contacted them last month and they called me back, they claimed all negative remarks would be removed from the account and our points would be returned. However, we only saw a XXXX point bump the day after that conversation and haven't seen a single point from them since then. It's been over a month, we are about to be homeless, and I want my credit fixed. I can't allow my child to be homeless because a mortgage company refuses to fix their illegal mistake.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

When I signed up for Chase XXXX XXXX Credit Card I was promised a free night after first year anniversary at any hotel with no category or points limit what so ever. Yesterday XX/XX/2018 I received a letter which notifys me that the free reward night can be redeemed for the hotels with less than XXXX points value. 
In my opinion ChaseXX/XX/XXXX is using an illegal bait and switch marketing advertise to get their customers. 
Al I want is for them not to change the rules for their current costumers and grandfather the promotion for their actual customers who already have this card. I understand that the introductory offers are changing all the time but that not the case with what they are doing right now. They need to stick with what they promised at the time of the enrollment. 


XXXX XXXX
Consumer complaint received 2021-04-26
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. (PA)

Hello, my name is XXXX XXXX. I am writing to delete the following information in my life. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2023-03-10
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: FIFTH THIRD FINANCIAL CORPORATION (MS)

On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.
Consumer complaint received 2022-04-05
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: Maximus Federal Services, Inc. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America offered mortgage loan with 10 % downpayment, during the loan final approval process they requested 20 % instead otherwise they would have canceled the loan when we agreed for the 20 % they did not change the rate which should have changed from 4 % to 3.75 % and continued to stall by asking for the same document multiple times, we had to extend the closing twice, and still have not giving final approval, it has been 5 weeks since they accepted the loan application. we want them to fund the closing this week otherwise we will lose the property.
Consumer complaint received 2021-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I completed my time at the school and made the agreement to pay the fees. I completed my payment and now when I ask the registrar at the school Regarding my account she continues to try to upsell me and ask that I return to the school she will give me a letter stating my fees were paid in full if I reenroll. I have explained to her on numerous occasions I will not be continuing my education at that school and it is hindering me and my credit. They have reported the information incorrectly and as long as I return to that school they will give me the proof I am requesting. I want the proof I am requesting so that I can have this removed from my credit. 

XXXX XXXX XXXX Alabama
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CO)

On XX/XX/XXXX I sent a letter to IC Sytem asking them to provide me with validation of the debt they are attempting to collect. I asked that they provide me with the agreement showing that the client grants them the authority to collect the alleged debt, an agreement that bears the signature of the alleged debtor where they agreed to pay the creditor, name and address of the alleged creditor, amount of the alleged debt, verification that the debt was assigned or sold to a collector, complete accounting of the alleged debt and the name and address of the binding agent in case legal action becomes necessary. 

The letter was sent by certified mail and per USPS it shows delivered on XX/XX/XXXX. ( The tracking number is XXXX ). As of today, XX/XX/XXXX, I have not received any sort of reply to my request for validation. From my understanding the company must immediately delete the reporting of this alleged debt to the three credit bureaus as they did not comply with my rights.
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I contacted ARS and spoke with their representative XXXX XXXX on XX/XX/2020. XXXX agreed to accept {$200.00} as a payment in full in exchange to delete all trade lines from my credit report. Payment was made at the time of the call, and the phone call was recorded by ARS and myself. As of today, the account shows the payment, a remaining balance, and has not been deleted.
Consumer complaint received 2023-03-10
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. (LA)

I went to these banks to check to see if I wouldve been able to be approved for a vehicle and I told the lenders to not run my credit for these possible inquiries but they ran my credit without my knowledge or permission, violating my Fair Credit Reporting Act right to privacy.
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (MN)

I have reported an error on Experian 's credit reporting countless times. They just keep sending it back saying it was verified. There is no explanation and they do not send me anything that I signed or anything proving that it is VALID other than they say the original creditor says it is valid. OF COURSE THEY WILL SAY THAT. I am hoping we can set the bar a little higher than that but then again this is America so we probably can not these days judging by the state of things. Anyways, I doubt this will help either but sooner or later I am hoping someone cares enough to do their job. My hope is now in your hands CFPB. Thank you and have a good day and sorry to take it out on you it is just so frustrating that this is allowed to continue. 

These are the charges and they were the result of fraudulent items on the card that I reported to the police and have sent the reports to XXXX XXXX  many, many times. 

XXXX/XXXX/XXXX Also known as XXXX/XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2800.00} Highest balance {$3600.00} Terms NA
Consumer complaint received 2018-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

They told me I own money, but I dont own anyone money and I have great credit score. 
The person who called has very strong accent, and he was rude and bossy, which sound more like all scam calls. 
I blocked their number. After that, they hide their number and keep calling 3 to 4 times a day.
Consumer complaint received 2023-03-10
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have reached out and filed a dispute in reference to the incorrect items on my credit report. It has surpassed the 30 days and I haven't received any investigation results.
Consumer complaint received 2020-07-11
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. (DE)

I paid my credit card ontime and XXXX still put a late payment on my report from XXXX, I have tried for 4 years now to get it off and they refuse to correct the mistake they made. The sad thing is I also work for them and they refuse to fix it. They also ran my credit four times without my permission. 

Unauthorized credit pulls XXXX XX/XX/XXXX citi XX/XX/XXXX. XXXX Equifax XX/XX/XXXX citi Euifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 32 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-04-05
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: Self Financial Inc. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

This loan was discharged in Bankruptcy from mr. Copper and we have tried on several occasions to sell the home and pay off the principal balance but the bank did not want to honor the injunction agreement and has been very difficult to deal with. The principal balance is XXXX but the payoff is $ XXXX which leaves the home underwater ( the value of the home is much less than the amount the bank wants ) as it is in need of repairs badly. We have also tried to short sell the home and again numerous times they have denied us or simply ended all communication with us without any explanation. We recently requested all the original closing documents and Mers certificate from XX/XX/2006 for our review and they have emailed us a random screenshot and a newspaper listing for the auction. We have applied for another short sale 2 weeks ago and the bank is now advising that they will not allow us to short sell the home and have given no reason why. We have tried to upload the home in their system called equator and no one will correspond with us. The bank is covering up that 1. they do not have the original documents and that Mers closed this loan which means it's bifurcated. 2. They know that they are in violation of the bankruptcy injunction and want to steamroll us into foreclosure to get rid of us.