davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-18
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. (FL)

In accordance with the Fair Credit Reporting act l Credit Acceptance Corporation has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-10-13
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: Bread Financial Holdings, Inc. (MI)

Wow! This has been a roller coaster for me! I have been fighting to improve my credit and Victoria Secrets, Comenity Bank is extremely difficult to work with. I am trying to obtain a mortgage and am worried about qualifying or getting stuck with high rates, which could cost me thousands of dollars over the years. I truly believe my credit report doesnt accurately reflect my creditworthiness or my dedication to paying back my debts. Also, I am working with XXXX XXXX XXXX and the XXXX XXXX XXXX in order to reach my goal of Homeownership. 

After reviewing my credit report, I discovered a late payment was reported in XX/XX/2020. With that said, I wrote a Good- Will letter ( attached ) to Victoria Secrets as a second attempt in working with them. The only response that I received back was under-reinvestigation. Now, the other issue I have is they haven't reported my last three payments?? Ahhhh! I got a little crazy and analyzed the XXXX out of my bills and comparing to my credit reports. Come to find out, I was humbly requesting for a good will adjustment and they are the ones that caused every single one of my late payments ( attachments included ). I made XXXX sheets to compare. I was one day late, paid account in full and had a negative balance. If you compare some of the reversals I was able to get in the past you will see they are admitting fault yet still reported significant damaging items on my credit report. I had a XXXX  balance, and then for 2 months a - {$12.00} balance due them keep charging me late fees. 

Two Side Note Questions you may be able to assist me with ; I have truly come full circle and deserve a break. At XXXX, I Graduated this year Covid-2020 with my XXXX XXXX in XXXX XXXX and have come full circle as a XXXX XXXX of the XXXX. I was given student loans prior to having my XX/XX/XXXX and did not understand the effects of MASSIVE student loan debt. I have multiple Late Payments on my XXXX XXXX  as well. Not sure if there is even a way to remove? I wish I would have been able to view the interactive webinar explanations! 

My Credit score is increasing and I am in a position that my lease has expired and I need to move fast with getting my credit scores to par. It seems as though XXXX  is not reporting many things and really behind in staying updated on accounts I have paid off. The score is significantly less than that of XXXX  and XXXX.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I got a loan for an XXXX  of {$1300.00} and made one payment via my bank and then paid it off. I got various small purchases from XXXX and some of the bank direct payments failed, they notified me in a few days, and I switched the auto payment to my visa debit for the same bank and account. All went through. In the process they sent me an email saying they had tech problem and apologized. Now they have shown me as paying the monthly loans late, ruining my credit, and cutting my credit limit. I want them to rectify this and apologize. Im certain this has gone on with many others, particularly the elderly.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (MA)

During the pandemic, we put our loan with Arvest Central Mortgage XXXX loan # XXXX XXXX on forbearance. I was told by Arvest this would not effect my credit score. We sell the property XX/XX/2020. Today, I get a message from my bank about my monthly credit score is updated and it shows XXXX. My score usually runs in the 790s. The only negative reflection is Arvest Central Mortgage. I contact them and they can not tell me why. I am waiting for them to a review and remove the negative impact on my credit score.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (WI)

On XX/XX/XXXX, I paid my account in full {$340.00}. On XX/XX/XXXX, I was charged a {$8.00} finance charge. On XX/XX/XXXX, I received a statement in the mail stating that I owed {$35.00} ( XXXX FC + XXXX Late fee + XXXX Minimum finance charge + XXXX Late fee + XXXX Minimum finance charge ). Once I got the statement I paid the {$35.00} and called Comenity Bank. I was advised to send a secure message on my online portal, which I did and have not received a response. On XX/XX/XXXX, I called back and talked to XXXX and XXXX and they said they were not able to help me. My credit took a XXXX  point hit and I would like this reversed as I have never made a late payment and I paid the account in full.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sezzle Inc. (MO)

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A section 1 : States that I have the right to privacy.

15 USC 1681 Section 602 A section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) section : states no consumer reporting agency may make any consumer report containing any of the following items if information. Any adverse items of information other than records, of convictions of crimes which abtrdates the report of more than seven years. 15 USC 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 2021-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (LA)

The Company XXXX XXXX XXXX XXXX posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with XXXX XXXX XXXX XXXX they have purchased a debt without me being involved in the transaction. This is a duplicate account pursuant to 15 USC 3002 I am a natural person You are a XXXX XXXX XXXX XXXX, who appears to be fraudulently claiming authority of this XXXX Office to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX XXXX XXXX Agreement passing I XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
Consumer complaint received 2022-06-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmuehle loan servicer I have paid on time, never missing a payment when I did a refi of other loan I paid may payment plus XXXX. & XXXX over for principal Then new loan required both loans to be paid XXXX payments to finish due to XXXX credit union putting my loan in forbearance without my permission or request Paid XX/XX/XXXX {$600.00}. 
Paid XX/XX/XXXX {$580.00} Paid XX/XX/XXXX {$680.00} XX/XX/XXXX paid {$700.00} for payment +principal Paid off the loan in full 5 times XX/XX/XXXX paid {$22000.00} principal balance of loan. 
Dovenmuehle said payoff amount after that payment was {$4800.00}. Paid that XX/XX/XXXX ( sent back to me ) Continued to make payment + principal. 
XX/XX/XXXX paid {$2600.00}. New payoff total. ( Was sent back due to not sent through certified funds ) XX/XX/XXXX paid paid {$1500.00} XX/XX/XXXX paid {$1500.00} XX/XX/XXXX {$790.00} plus {$2700.00} {$100.00} the said payoff amount. Sent to exact mailing address specified for payoff in a certified check as requested. 
Paid {$690.00} XXXX XXXX XXXX XXXX Called every month after sept for 4 months being put on hold for hours and every task filed by them to send to research the check was filed wrong task to locate the check. ( Never found ) Paid to cancel check then sent XX/XX/XXXX I was charged interest on a loan paid in full. 
XXXX servicer paid the property tax {$590.00} The escrow account should have covered however if it did not the payment on XX/XX/XXXX of {$690.00}. More than covered it. 
I was sent a new payoff of {$820.00} covering all fees, interest, etc I pad XX/XX/XXXX in the wire transfer as specified. I was sent back to my account 3 days later. After spending {$35.00} cancel check fee, {$35.00} wire transfer. 
I paid the 2nd installment property tax XX/XX/XXXX I paid new insurance company for full year {$700.00}. 
Which they also sent to them 3 days later. 
They received check back for {$700.00} I have been harassed daily by phone and mail with interests charges, escrow interest charges, and late fees on a loan that has been paid in full since XX/XX/XXXX. I have been sent threatening letters stating I will loose my home. My tenants were also given notice of sale of the home. I am being charged for survey of the home as well. 
The loan number I have been paying on is not the same number the county clerks office has.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX false reporting account after it was already settled and paid off the information shouldn't have been shared to XXXX, transunion, or XXXX due to false reporting under FCRA IT IS TO BE FIXED OR REMOVED WITHIN 30 DAYS THIS ISSUE WAS REPORTED MULTIPLE TIMES THRU THE 3 BUREAUS.
Consumer complaint received 2021-03-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

We paid our credit card statement online XX/XX/21 ). When checking it appeared not to have been processed. We called the company ( Bank of America ) and they said payment did not post. We then paid our balance a second time. Payment was over {$1700.00}. 
Two days later XXXXwe called back and informed them we were charged twice. The person apologized and said funds would be returned to our bank within 7 business days. 
Today ( XX/XX/21 ) was the second time I called the credit card company and again was told it was in the process of being reviewed. 
So Bank ofAmerica has held our {$1700.00} for over two weeks and only said it was being reviewed.
Consumer complaint received 2022-06-22
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. (AL)

I have been contacting Transunion for months trying to get the correct information on my credit and get the inaccuracy off. Transunion has violated so government laws according to the FCRA. I dont know if the agents over the phone are not reading the rights but I have got hung up on multiple times just for asking can you send documents verifying these inquiries. I even asked a lady over the phone for Transunion can she give me documents pertaining the information on my credit report. Blantly she told it couldnt be verified through them. Well thats a violation and anything that cant be verified is subject to removal. Im very respectful when it comes to things like this but my experian has 4 inquiries and Transunion has 53 and they are telling that its just not reporting to the same agency. Like come on Transunion yall have been rude and are not expecting me to exercise my rights when their is an error or even fraud into play. But honestly Im looking at sueing Transunion rather than stress myself out for them to delete 53 inquiries that arent mine. XXXX my credit score is a XXXX and Transunion is a XXXX. I cant get half the stuff I need credit wise because of transunion. So many rights to FCRA have been violated, Ive spent over $ XXXX {$1000.00} just send letters to transunion just for them to say they cant verify the inquiries and that They still arent removing them even if they see they are inaccurate.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I'm trying to close my Bank of America account. The only way they offer to contact them is to call. I threw away my debit card because I was planning on closing the account. The representative told me they can not speak with me without the information on my debit card. I'm simply trying to close my account but can not speak with anyone.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or i shall proceed with involving my attorney!
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.