davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmuehle Morgtage are ina ccurately reporting to my credit report.     In  XXXX   XXXX   XXXX   XXXX  appeared on my   XXXX   credit report, citing a mortgag e as 60-120 late for th e months of  XXXX   XXXX ,  XXXX  through  XXXX   XXXX . I do not have a mortgage with  XXXX   XXXX , additionally I have received no correspondence from this company informing me of such.     Shocked to see this I reached out to my mortgage lender  XXXX   XXXX   XXXX   XXXX   to ask if they had sold my note, which I was told they had not. I then called up the number listed on the credit report and was surprised to hear that it was Dovenmuehle Mortgage that answered.  Dovenmuehle  are however the servicers for my mortgage with  XXXX   XXXX   XXXX   XXXX   and while the representative informed me that  Dovenmuehle  also serviced mortgages for  XXXX   XXXX , they were unable to provide me with an explanation as to why this was being reported to my credit report.     It should be noted that I am are currently disputing several months of mortgage payments made to  Dovenmuehle that d o not appear to have been applied to my account for my mortgage with  XXXX   XXXX   XXXX   XXXX    According to the most recent statement I received Dovenmuehle they state they have not received payments for  XXXX   XXXX  through  XXXX   XXXX   ( E xhibit A ). However this is not what is being reported on my credit report and is yet another instance of inaccurate reporting by  Dovenmuehle.      As of  XXXX   XXXX   Dovenmuehle  is still reporting  XXXX   XXXX   ( an   entity I have no relationship with ) to my  XXXX  credit report while they report   XXXX   XXXX   XXXX   to  XXXX  and  XXXX   ( se e Exhibit s B & C ). This n ow looks as though there a re two se para te entities reporting to my credit thus having a great er negative impact on my FICO score. As a consequence I have had to enroll and pay for real-time credit monitoring services at my own expense. These erroneous reports have also resulted in me being turned down credit applications and in once instance having my credit limit reduced. This has meant that important home projects and vacations have had to be cancelled and put on hold while I desperately try to resolve this.     I consider this a very serious issue from both a mortgage servicing practices point of view and in terms of filing false claims on my credit report that have had serious ramifications.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX bank ) XX/XX/XXXX Div.of child support XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXdoes not show date ( was not me ) 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 that a consumer reporting agencie can not furnish an account without my written instructions.

15.U.S.C 1681 section c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items or information.Any other adverse item or information other that records of XXXX of crimes witch antedates the report by more than 7 years 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-05
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2016-12-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (TX)

Traded in my BMW and we were given a 10 day payoff good through XXXX. Check was received by BMW on XXXX but they refuse to close my account and charging way more per diem after the already received the check on XXXX they wo n't even apply the check. This is clearly inappropriate.
Consumer complaint received 2022-01-19
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. (FL)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX DATE : XX/XX/XXXX XXXX XXXX {$650.00} ORIGINAL CREDITOR : XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  {$650.00} ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX fraudulent accounts on my credit report and XXXX fraudulent credit application inquiries. The fraudulent accounts are XXXX, XXXX and XXXX. The fraudulent inquiries are XXXX XXXX and XXXX. I filed a police report. I sent a letter with my documents and police report to Transunion asking them to remove the fraudulent items. Transunion has taken longer than 30 days, and has not removed any of these items. Please regulate Transunion 's handling of this matter and enforce them to send me the detailed results of their investigation within a proper time frame according to our laws.
Consumer complaint received 2017-02-24
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Management Services, Inc. (NE)

I disputed all/parts of the alleged debt owed and requested actual proof/documentation of the debt. Signed agreement with payments made. They responded to my letter and said after reviewing the debt they believed it was still owed. They did n't send me anything beyond that which makes it impossible for me to know if the alleged debt is accurate. They then filed a complaint in county court. I am responding to the complaint. This company recently settled due to collection practices on a class action suit. I feel they are still using questionable tactics. They now want not only the alleged debt but attorney and filing fees and that could have all been adverted if they would have provided me with the documents I requested but I believe they did that thinking they could make a little more money with this account by filing thinking I would agree to pay or a default judgment. I have dealt with them before and made an arrangement on a debt that they filed on that they provided me proof of so I think they thought they would get me to agree to this debt and the fees as well. Whether I owe the debt or not is not the issue ... the issue is I feel they filed to collect extra fees as I did n't make any arrangement with them because they failed to provide proof of the debt.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have sent a lot of letters to Experian, XXXX, and XXXX on the inaccurate accounts on my credit profile i have ask them in my letters to delete those inaccurate accounts and they did not do it. So looking to the CFPB for your help.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I lost my job during the Great Recession and stopped making payments on my credit cards so that I could continue paying my mortgage. XXXX of my credit cards was with Bank of America. I stopped making payments in XXXX, and in XXXX B of A charged off the debt. In XXXX, I received a XXXX form from B of A showing the charge-off amount with interest and fees. I filed the XXXX with my XXXX federal tax return, claiming the charge-off as income. In XXXX XXXX ( which is 6 years and 11 months from the date of my last payment ), B of A changed the status of this charged off account to active/due, and added interest and fees to the debt ( XXXX more years ' worth, presumably representing interest from XXXX to XXXX ). I called BofA XXXX XXXX. and explained that the debt was charged off and I received a XXXX in XXXX, and thus the account is no longer active but should reflect a charge-off and zero balance due. The agent told me that they can still legally collect on this debt because they never received a payment from me, and that I should speak to a tax professional regarding the fact that I already declared it as income in XXXX. I contacted a credit repair bureau and they told me this is untrue and that I should call back and speak to a manager. I need help. How many Great Recession consumers experienced this, and how many previously charged-off debts is BofA reinstating as active & due suddenly, right at the time when these items should be falling off our credit reports via the " 7 year '' rule?
Consumer complaint received 2020-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

My mortgage is being serviced thru Rushmore mortgage. Looking at my escrow they are adding a additional 3+ months worth of taxes insurance and PMI which is causing me to pay higher monthly payment. I was told by law they can only hold 2 months worth currently they added a additional XXXX to my escrow but should only be XXXX. 
Thank you
Consumer complaint received 2017-01-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I sold my current house an paid my loan off to Ditech. The title company ended up sending the check to the wrong address causing the payment to be XXXX days. I was n't informed till after the XXXX days that they did n't receive the payoff. I am now trying to close on my new house and ca n't because of the XXXX day late they refuse to remove that was n't my fault. The title company sent it to the wrong address they provided. I am now paying fees for my current builder to continue to hold home.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX   XXXX {$250.00} XXXX  XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00}
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

I made payment plans with the XXXX and payments were being made as agreed. Therefore, to report the account as delinquent was a clear breach of agreement. Payments were being made as agreed at the relevant time period, thus, I dispute the validity of this debt. 
I respectfully request that PENNCREDIT CORP. cease and desist all collection action ( s ) until an investigation is completed per the validity of the debt as contained and described by the XXXX XXXX is ascertained and verified. 
Upon belief and information, this account has been paid in full as agreed by both parties. 
WHEREFORE, I request under the FAIR DEBT COLLECTION ACT ( 15 USC 1692 ) that XXXX XXXX & PENNCREDIT be subjected to provide all unpaid invoices and paid invoices in the account including a copy of the payment plans entered by both parties.Absent being in compliance of the 15 USC 1692, XXXX XXXX and its associate will be in clear violation of my Privacy Rights and may require me seeking recourse for punitive/compensatory damages, per gross negligence.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

In XX/XX/XXXX a tree from neighbor yard fell causing damage to my house and deck. A claim was filed with my insurance company, and check was issued to me and to Ditech Financial as loss payees. I sent the check to Ditech and funds were sent to me by them to cover expenses, less a final amount held in escrow account pending satisfactory repair. Ultimately, Ditech issued a check to me in the amount of {$590.00} to close the escrow account, which I deposited XX/XX/XXXX. on XX/XX/XXXX I received notice from my bank ( XXXX XXXX XXXX ) that the check from Ditech was dishonored, and I was charged a fee of {$7.00}. I called Ditech XX/XX/XXXX and was told that an ACH transfer in the amount of {$590.00} would be sent to my bank account " within 72 business hours. '' There was no transfer. I called again on XXXX and was told that the payment request " was still in the system pending payment '' and that there were " about 3000 other customers in the same circumstance. '' The service rep XXXX offered to send a check for the {$7.00} fee. The primary payment would " probably '' be made " within a couple of weeks. '' As a reminder, this is an escrow account and the funds do not belong to Ditech.
Consumer complaint received 2018-03-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (CA)

I received a deceptive message from a mortgage company names Intercontinental Capital Group in XXXX CA. Below is the transcript of the message they left : Hi it's XXXX, I went straight to voicemail so I hope you're not bothering if you're at work um but we tried sending two letters, and we didn't hear back. My boss said one was UPS, so I don't know if we have the right mailing address. Um anyway, I'll be in the office late tonight so if you could please just give me a favor and call me back either way, my desk is XXXX and um if you got the letter then I guess theres no point in calling me back - all right thanks. 

When I called back concerned as I had no idea what this person wasnt talking about or who XXXX was - I was routed to a female who said XXXX was on her team and they were reaching out to help me reduce my interest rate or cash out equity on home loan. 

They were lying, and never sent me letters or a UPS. This unfair, deceptive, and false advertising.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

When I took out my mortgage ; the company I took out my mortgage with advertised low mortgage payments. The first couple of months were affordable. However, my mortgage payments increased so high that I was not able to keep up with my monthly payments.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

I am writing this complaint because I have exhausted all my viable options to resolve this issue with Chase and XXXX. I am currently in a bitter dispute with Chase Bank and XXXX. This whole situation started in early XXXX XXXX when I discovered that a company by the name XXXX XXXX XXXX XXXX was charging a monthly subscription fee to my debit card. I placed a call to my Bank ( Chase ) late XXXX XXXX to alert them of the suspicious charges. Chase immediately reversed the charges and refunded me my money. I thought the issue was resolved until I noticed that on XXXX/XXXX/XXXX, Chase had put the charges back on my account. When I contacted Chase about why they put the charges back on my account they said that after investigating the matter they found to the charges to be legitimate. How Chase could reach this conclusion after their investigation I will never know. After being disappointed by Chase I decided to contact XXXX directly to reason with them but they did n't seem to care if the charges were fraudulent or not. Even after explaining to them that I had never heard of them let alone purchase anything from them, they still refused to refund the money because of their refund policy which I would understand if the purchases were in fact made by me. I never once received an email confirmation from XXXX for the allege orders. Had I received an email or letter from XXXX informing me that a purchase had been made then I would have contacted them immediate to let them know that this purchase was not made by me. In my opinion that it was negligent on their part. To make matters even worst, I never even received the package they claimed I ordered but said it was delivers I was finally emailed an order confirmation on XXXX/XXXX/XXXX for an order they claim was made in my name on XXXX/XXXX/XXXX XXXX. I have attached a screenshot of the invoice to show you that my address was misspelled ( It 's " XXXX XXXX XXXX '' NOT " XXXX XXXX '' ). I have search my email up and down and I do not have XXXX email from XXXX which is very suspicious because anytime a person purchases anything online more emails are certain to follow informing a customer on more products they can buy. I wanted to resolve this situation amicably but Chase and XXXX are refusing to refund my money. I feel like both companies ( Chase and XXXX ) teamed up against me in the investigation which I was not a part of and decided that I was the XXXX that should take the loss. These charges are fraudulent and there is nothing I can do to convince both parties. I loss a total of {$160.00}. I want XXXX XXXX XXXX XXXX to prove that I made the purchases, all they could provide me with was an IP Address they claim they order came from. I am only XXXX person so as much as I would like to hire a lawyer to get a court order so that XXXX could look into the IP address, I ca n't because I do not have the resources to launch a full investigation into the IP address.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

A collection agency under the name XXXX XXXX APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I DO NOT own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION AS CONTRACT OR AGREEMENT BETWEEN ME AND THEM. ( PREVIOUS CLIAM NUMBER XXXX ) EXPERIAN, XXXX AND XXXX ARE GOOD AWARE OF THIS ILLEGAL PRACTICE FROM THIS KIND OF COMPANIES AND THEY ARE STILL ALLOWING THIS KIND OF COMPANIES TO PUT ERRONEOUS INFORMATION ON MY CREDIT REPORT WITH OUT ANY VALID DOCUMENTATIONS I REQUEST THAT CREDIT TOLL BE REMOVE IMMEDIATELY FROM MY CREDIT REPORT, THAT THEY SEND ME ANY SIGNED DOCUMENTATION AS A CONTRACT OR AGREEMENT BETWEEN ME AND THEM AND THAT THEY SEND ME IMMEDIATELY THE RECIPE THAT SHOWS FOR HOW MUCH THE BOUGH THIS ACCOUNT FROM XXXX OR XXXX XXXX .... XXXX  XXXX IS USING XXXX HAVE ALL MY PERSONAL AND CONFIDENTIAL INFORMATION WITH OUT MY CONSENT IF IN 5 BUSINESS DAY THIS ACCOUNT IS STILL ON MY CREDIT REPORT I WILL FILE A LAWSUIT IN MY SMALL CLAIM COURT DISTRICT AGAINST CREDIT COLL AND ALL THE REPORTING AGENCIES