davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

In XXXX, I prepaid my XXXX taxes and reached out to Dovenmuehle Mortgage, Inc. ( for XXXX XXXX XXXX ) in XXXX XXXX, IL to make an adjustment to the escrow taxes for the XXXX calendar year. The first call was on XX/XX/XXXX and I was advised to provide receipt of payment for the taxes that were prepaid. This was completed and I called back on XX/XX/XXXX because there had been no contact from the mortgage servicer. I was advised there was a problem with process and that a repayment of current escrowed funds would occur. I called back on XX/XX/XXXX because there were no actions taken. During this call the individual advised they were unable to verify payment with the county despite having the receipt. Dovenmuehle was reaching out to the wrong county and I corrected this for the second time. I called back on XX/XX/XXXX and the representative advised that payment would be made in XX/XX/XXXX. After receiving half payment for the prepaid taxes in early XXXX, I called and was advised the second have of the payment would be provided the following month when the escrow account exceeded the outstanding amount owed. No payment in XXXX. I called back on XX/XX/XXXX and was advised that no payment would be made until rebalancing in XX/XX/XXXX. I advised this was unacceptable as Dovenmuehle had confirmation of tax payment to the county and sufficient funds in escrow to pay the second half installment. The supervisor XXXX agreed and advised the payment would be made by XX/XX/XXXX. No payment has been made and the escrow account funds in my account still exceed the amount owed and promised. Dovenmuehle 's representatives and supervisors have consistently provided inaccurate information for over six months and failed to meet promised payments.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC (CA)

On XX/XX/2017 I paid off {$49000.00} to D & A Services and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NJ)

Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 

I have company to serve the credit card to my customer. I did stop this company around tow years ago. but they keep charging my walls Fargo account. I want to the branch near me to dispute this charges. I wait around 10 days and the claims department they dined the claime because it is business to business.and they told me no more changes will get to your. last week I found the same company keep changing my account ( 22 charges ) totel was over {$3800.00} .I did fail claim again XX/XX/18 and the bank dined it again. last Friday they approve and they will refund my money.. I did call today the bank to ask about the the money is not in my account, they said they dined this claims because is business to business charge and is always different amount.and this company changed the nam between months to months. I am responsible about any trans actions with 24 hours only. 

.
Consumer complaint received 2018-06-13
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: ENCORE CAPITAL GROUP INC. (OR)

To start this account account is almost 10 years old.It keeps reappearing on my credit file.There are 4 XXXX XXXX in my family .Have asked for this account to be removed from my credit file as it is not mine.I have never had a XXXX account..I am currently buying a house.This needs to be removed from my report Or i will have no other choice but to seek legal recourse from damages that i have received.
Consumer complaint received 2021-04-23
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. (GA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter in regards to XXXX, EXPERIAN and XXXX on XXXX, XXXX and XXXX asking that they be removed. Please note the response should have been provided by date XX/XX/2021. I have not received a report and XXXX, EXPERIAN and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Consumer complaint received 2019-05-20
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: ALLY FINANCIAL INC. (LA)

I have no knowledge of the following inquiry Ally FinancialXX/XX/2019. Please investigate to ensure there is no fraudulent activity. Please remove from my credit report.
Consumer complaint received 2021-04-23
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. (PA)

I have contacted TransUnion making them aware that I have incorrect information on my credit report. I sent them many notices via certified mail proving these items on my report are inaccurate and still no response
Consumer complaint received 2018-06-13
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. (VA)

Experian is continuing to report an inaccurate name & address on my credit file even after several disputes and complaints being filed. 
I have been disputing inaccurate names & address on my credit. Someone who has a similar name in my area keeps showing up on my credit. I have sent proof of my identity multiple times to Experian and filed previous complaints. It is obvious the name is wrong yet they do nothing about it. 
By law they are to report accurate information and they are in violation .... 
My name is XXXX XXXX XXXX not XXXX XXXX XXXX!! I have never lived at the XXXX XXXX XXXX address ... 
that address if for another XXXX who has a criminal record and this is affecting me in all areas! I need anything affiliated with wrong names & addresses removed immediately!
Consumer complaint received 2020-07-14
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. (CA)

I had my credit ran because my wife and I are in the process of buying a home however, when my credit report came back I looked through it and I saw some accounts that do not belong to me. The accounts are from these these companies ; US Department of ED, US Department of EDXXXX & XXXX XXXX. I have no idea what these accounts are for or why they're on my credit report since I did not open them and I did not give anyone permission to open them in my name. I also never gave those companies permission to run or access my credit file. I did not get anything for my own benefit as a result of these accounts being open in my name and I did not contribute to any payments that might have been made towards the account balances. I have filed this report to the best of my knowledge regarding these suspicious accounts.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (OH)

Ability recovery services is attempting to collect {$880.00} from me. This is a result of identity left and I have no idea what it is for. I requested them to send proof with my written signature that this debt belongs to me. And they werent able to provide the information, but states the debt is valid. This account is reporting on XXXX and XXXX, but has already been removed from XXXX XXXX. This company is not registered with the state of Ohio secretary, therefore, they can not collect this invalidated debt from me
Consumer complaint received 2018-06-13
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: Experian Information Solutions Inc. (NY)

I am trying to get a copy of my credit report as held by Experian ; as an Adverse decision was made today to a request I made for credit with XXXX. Online I can not make the request for a copy of my report without an account or payment. I can not make inquiry by phone without providing my social security number, which is the question the recording leads with. I understand since Experian is the source of the credit information referenced by XXXX on my Experian has a duty to furnish me with that report. I have used the contact information from the denial letter I received with the above mentioned results. This agency is the last listed in the denial I am contacting toget a copy of my report.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

We started to apply for 2 refi loans in XXXX and prepaid XXXX dollars. We spent 3 months trying to refi with them and it was a complete cluster. Multiple requests for the same docs already provided, turn and burn sales strategies and an apparent lack of knowledge when it comes to tax filings. We had a closing scheduled 3 times and they pulled out at the last second. For this great service, you get to pre-pay a fee, which they will never return when they XXXX up.
Consumer complaint received 2020-07-14
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (PA)

THIS COMPANY HAS BEEN ILLEGALLY REPORTING INCORRECT INFORMATION TO THE CREDIT BUREAUS CAUSING HARM TO MY CREDIT SCORE. I'VE MADE MORE {$850.00} OF PAYMENTS SINCE XX/XX/2020 WHEN WE CAME TO AN AGREEMENT. ATTACHED ARE ALL PAYMENTS AND SAID AGREEMENT. I'VE CONTACTED THIS COMPANY THROUGH EMAILING ON THEIR WEBSITE & CALLING WITH NO RESPONSE.
Consumer complaint received 2020-07-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MA)

I have been working with my lender continuously trying to get a resolution we continue to get the run around. I have sent several authorizations to the same fax number that they provided and clearly received because they were able to locate the documents before. 


Now they keep advising that they don't have it when I am receiving confirmation faxes that they have it. 


My counselor XXXX who was been helping for over 6 months trying to help me save my home from Amerihome has been advised several times now that they don't have documents or documents expire and its just a mess. 

I am a veteran trying to save my home and just need help with these people! They have terrible customer service and don't care about what happens to customers. They continue to misplace my documents and let them expire.
Consumer complaint received 2021-04-23
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. (PA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-08
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: JPMORGAN CHASE & CO. (WA)

I disputed a charge for items promised to ship within 5-8 days that failed to ship within 30 days and for which I had no confirmed ship date after two inquiries with the merchant ( XXXX XXXXextremely dishonest and evidently the source of frequent complaints ). 3 weeks after starting the dispute, the merchant finally shipped ( 8 weeks after purchase and after explicitly being told the order was refused and a refund was expected ). The box was returned unopened to the sender as a refused delivery.

Chase did not process a refund/chargeback despite evidence of ( 1 ) failure to ship merchandise on time, ( 2 ) breach of 16 CFR 435.2, and ( 3 ) evidence of order cancellation. Chase has left a charge on my account for merchandise not in my possession, and I find this unacceptable.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC (TX)

For the past few months I've been getting calls many times throughout the day. They never leave a voicemail.I have a busy schedule and its hard for me to answer calls. They have reached out to every single family member, my in laws and even people that I don't associate trying to reach out to me. My family members and myself feel harrassed for all these ongoing calls. At first I waited for at least something to come in my mail regarding this debt but never received one. I do not feel comfortable giving my information over the phone to someone that can not provide any proof, especially if I can not find a website of them.
Consumer complaint received 2020-07-14
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-07-14
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)

On XX/XX/2020 I mailed a format letter to Experian requesting that they PROVIDE me with all relevant information validating debt on the XXXX/XXXX  Account # XXXX being reported on my account. 

As of XX/XX/2020 I had not received the requested documentation validating the debt so I mailed another format letter out requesting this information. 

As of today XX/XX/2020, Experian has yet to provide the appropriate documentation validating this debt and therefore I request that this account be deleted from my credit report immediately.
Consumer complaint received 2018-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I had a joint credit card with my son through XXXX XXXX in XX/XX/2013. My son has had lots of identity theft, and data breaches to his Social Security Number and personal information. There were multiple charges on his XXXX XXXX credit card he did not make. This negative charge off account was removed from my sons TransUnion credit history but not removed from my credit history through TransUnion. The XXXX XXXX account information is XXXX. I have included a copy of the police report stating one of my sons burglaries and his FTC report involving this account listed.
Consumer complaint received 2018-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XX/XX/XXXX I received a recall letter from the XXXX manufacturer for my ( XXXX car ) this vehicle was financed through XXXX XXXX XXXX and I purchased from XXXX XXXX auto dealer ( XXXX, Ohio ) in XX/XX/XXXX. I called the number on the recall and was instructed to contact the local XXXX XXXX in my area which is XXXX XXXX XXXX. I did and was instructed to bring my vehicle in for remedy- and at that time would take about 2 weeks and the dealer would provide a loaner vehicle at the manufacturers cost. I took my vehicle in XX/XX/XXXX- it has been 1 year and they still have my vehicle- I have not seen my vehicle and I have made a whole year worth of payments without the vehicle I financed through XXXX XXXX. I have been in loaner vehicles every since. I found out there is a class action lawsuit pertaining to the recall with XXXX. I have made countless calls to my lender who does not care, and it is unacceptable. I made several complaints with the XXXX, FTC, NHTSA, and The Ohio Attorney Generals Office. I stopped my car payments as of XX/XX/XXXX and I notified my lender as to why. Can you please help me?
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (GA)

In XXXX XXXX I applied with Ditech to refinance my mortgage. On XXXX XXXX, XXXX I received a Statement of Credit Denial in the mail. The given reasons for denial are as follows : 1. Unable to verify employment. ( I am self-employed, and was never asked to verify my employment ) 2.Unable to verify customers identity. ( I have had my mortgage with Ditech/XXXX for 15years and they do n't know who I am? I was never asked for drivers license, passport etc. I have had many mortgages and have never been asked to verify my identity. 
3. Insufficient Data property type. ( they have had this mortgage for 15 years. 
What kind of data do they not have on a mortgage that is 15 years old??? 
4. Requested Credit is listed as " XXXX '' with no commas, no dollar sign. ( The original amount of the mortgage was {$160000.00}. My current mortgage balance is {$120000.00}. I only requested a no-cash-out refinance to reduce my monthly payment. 
I have not had any late payments on any of my accounts in the past 3 years. 
I feel that my application was denied with prejudice.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX a fraud attempt was made to open an account with XXXX XXXX XXXX using my personal information. I was alerted of this by being a XXXX XXXX member. A fraud alert was placed on my social security and personal information Information was supplied to XXXX XXXX XXXX XXXX account - card services - that this was a fraudulent attempt to gain credit with my personal information. 

Despite the fraud alert XXXX ( XXXX ) continues to make fraudulent credit inquiries XXXX   on XX/XX/XXXX and again on XX/XX/XXXX made fraudulent inquiry on my credit report despite having fraud alerts in place with credit reporting agencies. Again, I was alerted of these fraud attempts by XXXX XXXX. As of today XX/XX/XXXX I now have a security freeze on my personal information with all 3 reporting agencies. 

I have attached information for first attempt to to open a XXXX XXXX XXXX XXXX account was attempted using my personal information. The last name that was used I have not been affiliated with since divorce in XX/XX/XXXX. Again on XX/XX/XXXX same account was attempted to be open this time using my current last name but with same other easily identifying personal information such as social security and date of birth. 

I am also having issues with Equifax refusal/failure to correct my name despite having sent them copies of my FL Drivers License and social security card. There were 2 fraud credit inquires by XXXX XXXX XXXX XXXX on XX/XX/XXXX and by XXXX XXXX XXXX credit card. Information was  given to Equifax by the merchant and copies of the 2 attached letters were sent to Equifax as well, yet the fraudulent credit inquiries continue to show on my credit report.