davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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. (MO)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and update or delete these disputed items. Please forward me the name and address of the persons contacted. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX Owed : {$2200.00}
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Dovenmuehle XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Dovenmuehle Mortage company holds an escrow account to pay taxes and insurance for my mortgage, my insurance changed in XX/XX/2020 Dovenmuehle did not pay by XX/XX/2020 so XXXXXXXX XXXX XXXX out of XXXX Florida canceled my policy effective back to XX/XX/2020 I was notified of this XX/XX/XXXX XXXX day before a hurricane even though XXXX  posted payment. During the two months of XXXX and XXXX I received several letters from Dovenmuehle letting me know I didnt have insurance and they were going to buy insurance for me. My last letter from Dovenmuehle about no insurance is dated XX/XX/2020. Dovenmuehle paid bankers {$24000.00} to XXXXXXXX XXXX  on the XXXX of XXXX for a {$2200.00} policy, Dovenmuehle reported to all three credit bureaus that I owed them {$22000.00} and also reported it as an increase on what I owed on my mortgage it immediately dropped my credit score 100 points. Dovenmuehle sent me a letter on XX/XX/XXXX and XX/XX/2020 increased my mortgage by {$2100.00} dollars a month. I have called almost every day trying to get it fixed and keep running into a block wall with them.
Consumer complaint received 2021-04-07
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. (GA)

There are 5 accounts appearing on my credit report from all bureaus that are reporting incorrectly since they do not belong to me. I have tried to dispute these items since XX/XX/2020 but each time they have no answer for me I opened an FTC report and reached out to the bureaus via phone calls but I am getting the run around and I feel like they are working on convenience and will not help me. I am at my wits end with this. 

XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$2200.00} XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$2700.00} XXXX CARD - Acct # XXXXAmt {$3900.00} XXXX XXXX - Acct # XXXXAmt {$12000.00} XXXX XXXX XXXX - Acct # XXXXAmt {$2600.00}
Consumer complaint received 2020-10-28
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: EQUIFAX, INC. (SC)

I was notified today ( XX/XX/XXXX ) by my credit monitoring service about a recent hard inquiry to Equifax from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have never requested any type of lending from XXXX XXXX nor have I requested lending or a credit card from any other entity sine XX/XX/XXXX. I am concerned that someone XXXX have my information. I have put a freeze on my Equifax credit reports and a fraud alert.
Consumer complaint received 2019-06-04
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX
Consumer complaint received 2020-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA HAS DESTROYED MY CREDIT. I HAVE BEEN DENIED CREDIT DUE TO UNRESOLVED ID THEFT. See attatched XX/XX/XXXX statement Balance owed {$470.00}. See attatched FRAUD LETTER CLAIM. dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX ( took ONE YEAR TO ** Complete Investigation ) UNAUTHORIZED {$470.00} transactions CREDITED. see attatched XX/XX/XXXX statement USAA ONLY PROVIDED {$59.00} CREDITS. ( **USAA HAS OWED ME {$410.00} FRAUD CREDITS SINCE XX/XX/XXXX & HAS DESTROYED MY EXCELLENT CREDIT SCORE. ** )
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (TX)

Dovenmuehle mortgage has been reporting erroneous and inaccurate payment history to all 3 credit reporting agencies. On XX/XX/2021, sent two separate formal emails per their protocol asking them to remove derogatory and inaccurate reporting and they promised to conduct investigation and remove if erroneous, but no investigation has been completed and we are passed statutory 30 days. 
They are in violation of Federal law and need to be reprimanded. Thank you!
Consumer complaint received 2017-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

New Penn Financial based in XXXX with offices in New Jersey and Maryland sent me a mortgage statement in which I had not pair the month of XXXX. I sent an email back stating that a New Penn Financial agent had approach me and may the payment during the month of XXXX by directly sending the payment to their account. She tells me that even if you have the account number for the payment, no payments are made directly to that account which they never told me. Their payment method is an account linked to their payment services which does not let you pay if they state you own them for more than a month. This payment statement goes against the Georgia Mortgage process which deems on that " To engage in ANY transaction, act, practice or course of business which operates or will operate as FRAUD or deceit upon the purchaser and seller '' is not allowed. It appears that the Mortgage statement looks like its handled by a different company, although for Georgia purposes its all handle by New Penn Financial. I made the payment in XXXX and they are charging me again,. And I missed a payment in XXXX ( one Day ) because they would not operate on the payment directly. It took four days for them to get the payment I made before XXXX XXXX. This has to stop.
Consumer complaint received 2017-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I deposited a check in the amount of {$1900.00} into my DDA account at the Chase branch located on XXXX XXXX XXXX, XXXX, NY. In parallel I withdrew {$980.00} from my DDA. 

I informed the teller that I needed to send the {$980.00} back to someone who was purchasing something from me because they overpaid me with a certified check in the amount of {$1900.00} ( see above ). I was clear with the teller that I was suspicious and wanted to MAKE SURE THE {$1900.00} CHECK CLEARED BEFORE I SENT THEM THE {$980.00} BACK. 

The teller looked at the check and said 'it looked fine ' but as long as your DDA account shows the {$1900.00} deposited into my account by XX/XX/XXXX, " the money was mine ''. 

On XX/XX/XXXX, the {$1900.00} showed in my account so I sent the individual the {$980.00}.

On XX/XX/XXXX I received a bounced check notice from Chase for the {$1900.00}.

On XX/XX/XXXX I went to my local Chase branch in XXXX XXXX, NY, at XXXX XXXX XXXX XXXX. The individual printed out the {$1900.00} check and IMMEDIATELY said it should have been flagged! The most obvious indication was that the FBO on the check was the same person who wrote the check ( I do n't even know what that means ). The Chase associate called the Chase Fraud department and they looked at the check and immediately had the same response. In fact when I explained the story the Fraud associates said that is a very typical fraud pulled on unsuspected individuals. UNFORTUNATELY, they said they could do NOTHING to help me!! I found that infuriating since the ONLY reason I wired the {$980.00} back to the individual was that A CHASE EMPLOYEE at the XXXX XXXX branch TOLD ME WHAT TO DO!!! 

The Chase Fraud associate said that the teller has NO authority as a fraud analyst. I 'm ok with that but THEY NEED TO TELL ME. 

I waited so long because I am XXXX XXXX XXXX and work with banks in the operations space and find myself embarrassed that this happened to me. I am particularly annoyed that Chase just brushed it off. 

I am hoping that you can help me resolve this and get the {$980.00} back from Chase because I only wired that money based on a Chase banking employee 's direction. 

XXXX XXXX
Consumer complaint received 2020-12-09
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. (CO)

Equifax ; XXXX and XXXX  should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-06-04
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. (FL)

This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This retail charge account card with Kohl's/Capital One Bank N.A. , is lost.

It was reported lost. I called customer service advising them if the loss. Requested they do what they ought, having each bureau indicate so.

Why? To prevent unauthorized activity.

We can't.

**How much can a good one of those, get outta thatXXXX  No really we can't.

. UnhUnh.
Consumer complaint received 2019-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : PORTFOLIO RECOV ASSOC XXXX .... {$2600.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$1300.00} PORTFOLIO RECOV ASSOC XXXX .... {$1200.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$480.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$480.00} PORTFOLIO RECOV ASSOC XXXX .... {$400.00}
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/XXXX should not be reporting to XX/XX/XXXX and Transunion that I am ( 30-60 ) days late on XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XX/XX/XXXX to update my current address which XXXX did not follow through with. I immediately contacted XX/XX/XXXXagain when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XX/XX/XXXX. When the requested correction to my credit report still hadnt been made, I contacted XX/XX/XXXXagain and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well asXX/XX/XXXX to fix this however, I have not been successful.
Consumer complaint received 2017-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from Transunion and XXXX.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc. (TX)

I applied for a mortgage loan XX/XX/2020 through Cornerstone Home Lending. At that time, a Loan Estimate was provided to me with a total amount of Title fees and services as {$1500.00}. A Settlement Service Providers List was provided at that time which listed one service provider, Independence Title, as the vendor the Lender would use should I choose not to select my own provider. I did not choose my own service provider for title services. 

Upon receiving my initial Closing Disclosure on XX/XX/2020, I noticed on page 2 of the disclosure that Title fees had increased to {$1800.00} and that the fees were incorrectly placed in Block C, the section designated for fees the consumer has chosen their own service provider for. I immediately notified the representative I was working with at Cornerstone of this and requested clarification. There had been no change in circumstance communicated to me from the time of my initial application to the time I received my initial Closing Disclosure that would warrant an increase in title fees. 

The Lender notified me that, because the name of the vendor listed on the Closing Disclosure was different than the vendor listed on the Settlement Service Providers List, they were, " not out of compliance '' ( see attached email from XXXX XXXX from XX/XX/2020 and from XXXX XXXX on the same date ). 

Although the lender elected to make me financially whole by issuing a general Lender Credit to cover the amount of the difference the fees had increased beyond the 10 % limit, I want to stress the importance of my primary concern. Please note the correspondence from the lender that I've provided acknowledges they were aware I did not choose my own service provider for title services. These fees were still listed in Block C of the Final Closing Disclosure, although the Lender acknowledged prior to closing that they were aware I did not choose my own service provider for title services.

It appears, based on the responses provided from the Lender in the previous email correspondence referenced, that Cornerstone Home Lending has built a process to circumvent TRID fee tolerance testing by listing one vendor on the Settlement Service Providers List in the initial disclosure package to a consumer and then choosing another provider on the consumer 's behalf and placing those fees in the section of the Closing Disclosure that is specifically for fees the consumer has chosen their own vendor for since those fees would not be subject to tolerance testing. This is both deceptive and not in the spirit of the intent of the regulation to protect the consumer from frivolous fee increases. This is appears to be systemic issue that must be resolved with an update to Cornerstone Home Lending 's general lending practices.
Consumer complaint received 2020-04-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

XXXX  XXXX XXXX says that I owe them {$27000.00}. I paid less than the amount due, but they left the note on my credit report saying charged off instead of " settled in full ''. The coronavirus is hurting me financially, and they refuse to help me. I need access to additional credit to make it through the COVID-19 shutdown.
Consumer complaint received 2020-04-27
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: CORELOGIC INC (OH)

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Consumer complaint received 2020-04-27
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: Innovis (OH)

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Blank of America is holding my funds hostage im told by XXXX  that theres no reason for Bank of America to have closed my account iv already spoken to my sponsor and they are telling me that although the account is closed o should be able to go into a bank to withdraw my funds I need my money and my account fux now this is crazy everytime o cappp they are telling me to speak with my sponsor I did already and I think this bank is trying to steal my funds this account needs to be reopened so I can withdraw my balance please this is isick and its not because of me Im told its because Michigan changed providers so why cant the account be reopen XXXX said that even if they approve they no longer have communication with the bank they told me the bank needs to release the funds to me Im confused and they are to I need my account opened now I have not 1 $ to my name help!!!!!!
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount GR Holdings, LLC (IN)

I installed solar panels on the roof of my home and Goodleap is the business who my loan is with for the solar panels. I didn't even know Goodleap existed or had anything to do with my solar panels until XX/XX/XXXX. However they state I had a payment due to them on XX/XX/XXXX. I did not receive an invoice from them, an email or a phone call. The closest was an email XX/XX/XXXX ( first email from them ) stating to call them about the status of my account ( no late payment information or invoice ). Then I get an email stating I missed a payment on XX/XX/XXXX, in which I immediately enrolled in automatic payments. They never discussed anything with me other than send another email to me after I already paid them, stating I hadn't. Yet my money was taken out of my bank account. Now they added this erroneous payment to my credit score and it lowered 110 points due to their lack of service. They now refuse to answer me yet take my payments without issue.