davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

My original loan was with XXXX XXXXXXXX XXXX and was given to Dovenmuehle back in XX/XX/XXXX without notice. During the conversion. I was approved for a deferment from XXXX which they did not communicate to Dovenmuehle. Also I have been paying my own property taxes for over 10 years they did not inform Dovenmuehle this either. I received a letter from loss mitigation at Dovenmuehle about owing the money that was originally deferred through XXXX and I sent them paperwork confirming the deferment back in XXXX. I was told they will research it and follow up with me and I never received a call or letter. Also, I requested to have my property taxes removed back in the beginning of XXXX because I've always paid them. I even sent in proof of this for the last ten years. I was told I would get a letter with a determination of that, which I am still waiting on. I received a grant in XXXX of XXXX which they took and decided to apply it to the deferment without investing the issue, and now they will not remove the property taxes or even respond. They also stated in XXXX that my next payment will not be due until XX/XX/XXXX but I call and they state i owe a payment for XXXX of {$800.00} which i never received a letter for showing proof of that. Also, they are charging me {$500.00} dollars a month in my mortgage for property taxes, and my taxes only add up to about $ XXXX yearly. I've called multiple times and there has been no solution, just excuses and long wait times. I feel like this company is a rip off and if you check the reviews anywhere on this company, they are all negative and someone needs to look into this company.
Consumer complaint received 2022-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AR)

In XX/XX/2022, I was told that my loan qualified for TEPSLF. If I could send in the employee certification, I could have my loans wiped out. Now I am told that I actually have four loans (? ) and will only get part of them wiped out. The others will, so they now say, be ineligible for PSLF or TEPSLF because I am not a teacher currently and still owe money on these two.

I held on the phone for one hour and forty minutes today to talk to these people. Anyone with a life does not have that kind of time to spend on hold. They know they have us and don't have to be polite. After I'd held for an hour, The recording said I had four minutes to talk to an agent, and then, someone picked up and put me right back on hold! Then I just held some more. This is just soul crushing! 


I have been given conflicting information every time I call these people, and I am full of despair after being told that they would be wiped out only to now be told they won't. I only teach four classes online now, and I that is not full time, per my employer, so I am going to be paying the Income-based repayment until the wonderfully final day that I die, which at least I can say will be a place and time that Fedloans can not come hound me.

My payments to XXXX XXXX were not showing up for years, and now for some reason they are. I am just tired of being jerked around by these people. I've made XXXX payments, but they somehow do not count, and I'm just ready to give up. I've never defaulted or missed a payment since I started paying back.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

On XX/XX/2016 IQ Data International added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.
Consumer complaint received 2021-02-01
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: WELLS FARGO & COMPANY (CO)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Equifax. Equifax told me I was involved in their XX/XX/XXXXdata breach. In the last year, I have applied for mortgages in De and NJ and only the Equifax credit report is locked. I called and I called Equifax and the mortgage broker did too and Equifax said they unlocked my credit yet they did not. Therefore, I spent 4 nights in a hotel to look at real estate in DE but I could not because my credit rating had to be unlocked prior according to covid laws, at that time. I should be paid for all the travel expenses I lost over Equifax 's negligence. 
I need my Equifax credit report made available to mortgage brokers, etc. 
I am demanding to sue Equifax 's over both age and XXXX discrimination and harassment of myself and my credit report which rendered me unable to view real estate in De in XX/XX/XXXXdue to covid laws not being met by me.
Consumer complaint received 2018-12-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I am submitting a complaint against XXXX XXXX. This company has placed a collection on my reports claiming to be collecting for XXXX XXXX. 

XXXX XXXX has not onced properly verified or validated the debt according to the FDCRA. Also XXXX XXXX has no legal right to collect the debt and the reporting of the debt is violation of the FCRA. 

This third party debt collector that has no Contract between i and them has no legal right to collect on this debt or place themselves in this matter.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and Equifax keep reporting my information as updated with the same errors.XXXX also updated my account saying I paid {$2.00} which was not true.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Method of verification sent via certified mail XX/XX/22 requesting information on public record. The dispute was marked as remains I did not receive any of the information I ask to prove documentation. This was requested below : Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage.
Consumer complaint received 2024-02-20
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 these account has violated my rights Account : XXXX XXXX Account : XXXX XXXX XXXX Account XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Mobile application not working. No alert or notification of payment due. Unable to login. 

Finally deleted app and reinstalled Payment would not have been late if I was alerted
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

I purchased a laptop from XXXX on XXXX XX/XX/2020. The laptop arrived on XXXX XX/XX/2020. After trying the product, I initiated a return within the 30 days as stated on their return policy. The return was initiated on XXXX XX/XX/2020. The laptop was sent back and they received it on XXXX XX/XX/2020. They sent an email saying that the money would be sent back to my credit card, and would show after 5 days. I'm still waiting for the money. I spent three hours on hold to their customer service line before they hung up on me. I've sent them around 100 emails, each time they reply that it is the bank 's problem. 

I contact my bank, Barclays, to file a dispute. They said to post them documentation. I posted it, using USPS   next day delivery. But the bank claims that they did not receive the documentation and closed the case. I'm still waiting for my refund, which is for the amount XXXX. Please help.
Consumer complaint received 2020-06-02
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: TD BANK US HOLDING COMPANY (MD)

I have been calling and submitting disputes because I have paid off two accounts. Target paid in Full on XX/XX/ and got a letter as proof only because I requested one. I settled with XXXX XXXX which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX th. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (KY)

My wallet got lost years ago I never made a police report because it was returned I never relieved these until I started to understand my credit report and relieved these XXXX XXXX XXXX account and inaccurate and Unauthorized things along with name change and wrong address which were deleted
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one switched our account on Thursday XX/XX/XXXX with limited notice I received the letter in the mail the night of the XXXX and my direct deposit is scheduled for XX/XX/XXXX due to this change in account type ( same account number but different routing number ) by capital one my direct deposit is in limbo ( XXXX )
Consumer complaint received 2020-09-04
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: EQUIFAX, INC. (NE)

Starting on XX/XX/XXXX and XXXX I sent in my identity theft documents with request to remove accounts and inquiries within 4 business days per the FCRA. No one did anything and just disputed instead. I have been trying to get this fixed with Equifax for almost a month past the FCRA notification and I spoke with an employee the last week in XXXX as well. On XX/XX/XXXX and XXXX I spent multiple hours on the phone with employees who have continually transferred me, hung up on me, claimed to be fraud department but are not, send me to disputes etc. 

On XX/XX/XXXX I spent an hour on the phone with a gentleman who told me they would not comply with FCRA 605b because thats not their progress and to wait 30 days. I got hung up on when I asked to speak with his supervisor. 

Every time that I called in, I was connected directly to the fraud alert department without pressing any prompts on the key pad. I was forced each time to explain why I needed transferred, and not to send me to disputes ... then they would send me to disputes and then disputes would have to transfer me to fraud department who would say let me verify you-do the questions and then say okay hold while I take a look ... and then hang up on me again! Please review the phone calls and your employees responses, yes I got very annoyed after over an hour of just needing to make it to one department. Your staff need educated, this has made it almost impossible to get identity theft off my report. 

I spoke to a gentleman named XXXX who was very helpful and said my interns would be removed within 24 hours with my FTC report. However, they are still appearing. I got ahold of a lady on XX/XX/XXXX who told me to just wait I had to spend 20 minutes attempting to get an explanation or understand what was left in the process to do. All she would say you just need to wait and talk over me. 

Your staff are not educated in the business lines, compliance or customer service level I would expect for a consumer agency that is reporting identity theft on my statement.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

Greetings, This is the second time I had to file a complaint with the CFPB on HSBC! This financial institution sent me and the IRS a 1099-C for cancellation of debt after previously sending me to collections while under bankruptcy protection. This account was discharged in chapter XXXX bankruptcy in XX/XX/2020 ( XXXX )! They sent a letter of apology about the collections issue, but now they are informing the IRS I have additional income! UNACCEPTABLE!!! This is ILLEGAL YET AGAIN and goes against current bankruptcy code and the intent and and spirit of the bankruptcy code laws.
Consumer complaint received 2021-05-04
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. (NC)

In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by XXXX XXXX. But despite that, XXXX XXXX continues to report this account on my credit profile. I have been in contact with the credit bureaus and XXXX XXXX to correct this error, but the account continues to remain on my credit report.
Consumer complaint received 2021-05-04
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. (AR)

I ordered my credit reports from all 3 credit bureaus, XXXX, Transunion, and XXXX  in XX/XX/2021. I found collections accounts on my credit report with all 3 credit bureaus, public records from 7 years ago that haven't been removed, personal information like other social security numbers other than mine listed on my credit reports, student loans that are under my name which doesn't belong to me .I have disputed all the fraudulent accounts as well called in via telephone to each credit bureau to dispute personal data on my reports that aren't mine but the credit bureaus are yet posting the fraudulent data on my reports after informing them. I am XXXX  XXXX, I have reached out to the XXXX XXXX  XXXX XXXX Department about discharging the loans as they are affecting my livelihood, I can't get a place to live and I have children, I can't get any type of financial assistance not to mention, I can't get a mortgage due to the fraudulent data on my reports! I have turned in my Benefit query from the Social Security Administration to each credit bureau showing that I am XXXX and that they are affecting me mentally and psychological due to all the negative items on my report that don't belong to me and them not removing it for me. I am hurt, sad and disappointed. Each time I dispute the items XXXX, Transunion and XXXX  keep listing the fraudulent items. I will be forced to get lawyers involved if this matter isn't resolved on my behalf. another complaint is that all three credit bureaus XXXX, Transunion, and XXXX  have failed to update my credit reports. For example, I have a XXXX XXXX credit card and I make all my payments on time, I have a exceptional payment history, however the three bureaus have failed to update my reports reflecting my XX/XX/2021 regular credit card payment in the amount of {$290.00}, along with a double payments made on my credit card account in the amounts of {$930.00} on XX/XX/2021 and XX/XX/2021. Both in the amount of {$930.00} each totalling {$1800.00}, none of the three payments have been reported by all 3 credit bureaus to reflect my exceptional payment history.
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I talk to experian about a public record chapter XXXX on my credit file they say they got it from XXXX XXXX I talk to XXXX XXXX  XXXX they told me they dont have no records I disputed to experian like 4 times an they come back sayin verify by XXXX XXXX is a Lye I have prove am really tired of this this is causing money paying more interest for Everything hard life because of the error report false innacurate Information