davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (VA)

This is a scam alert. I sold my house two years ago and now im receiving post cards from a company portraying to be movement mortgage. Says I need to call XXXX as soon as possible- Ref # XXXX - Important matter regarding this loan. 

I don't have a loan with them anymore.
Consumer complaint received 2023-02-01
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. (LA)

Inconsistent information being reported still showing past due when charged off. Date open is inconsistent from each credit bureau. 
XXXX date open XX/XX/2019 Equifax date open XX/XX/2019 XXXX date open XX/XX/2019 Past due XXXX Disputed
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ACCOUNTS : 1. XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3 . XXXX XXXX XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX XXXX  XXXX 6. XXXX XXXX XXXX  XXXX 7XXXX XXXX 1561 U.S Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-05-22
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 ()

On my monthy statement I owed MBNA for a single purchase XXXX. 
I paid this with my XXXX XXXX XXXX  Debit Card on XX/XX/19. Transaction No XXXX. 

Today is the XX/XX/19 and this ammount remains owing on my Statement Summary. I have contacted MBNA on 5 different occassions generally 30 minutes plus of waiting time for them to resolve this issue. They suggested that they credit my bank account with the the XXXX and then I repay to them. This has nothappened. They accepted that they took the money on XX/XX/19. 
Can you please resolve. 
As of today I owe MBNA XXXX Regards, XXXX XXXX
Consumer complaint received 2023-01-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent the company a certified letter back on XX/XX/2022, and it was received on XX/XX/2022, but I never got any response in regards to what I was asking for.
Consumer complaint received 2023-01-23
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (MI)

This is my fifth 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 items 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. 

Here are the items that needed to be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$730.00XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (NM)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (UT)

I spoke with my fed loan on XX/XX/22 about getting a refund on payments I made during the COVID forbearance, when I called back on XX/XX/22, they said they never put in the request. Balance is still not updated to reflect reinstatement of loan with the refund.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (MD)

Dovenmuehle Mortgage Inc. and XXXX XXXX XXXX  are one and the same. 
I have filed multiple complaints against Dovenmuehle over the last six years. The last report was submitted XX/XX/2019 complaint ID XXXX. I also did search and realized that I am not the only one to fall victim to Dovenmuehle unfair, unlawful, unethical practices. Please see the link below to see comments from other victims over the years. 


XXXX XXXX XXXXXXXX There is some funny business going on and this company really needs to be investigated and shut down. Dovenmuehle has caused way to much financial harm to the lives of many not to be held accountable. I do not want Dovenmuehle calling me or harassing me any longer. It is clear that all my efforts are in vain no matter how much I attempted to get some where with this Dovenmuehle. I have notified the Maryland State Attorney Generals Office, HUD, FBI, Federal Trade Commission, and the XXXX XXXX XXXX to no avail. I hope and pray that someone will eventually stand up and put a stop to this. Dovenmuehle is a joke, and the service is dishonest, and horrible.
Consumer complaint received 2023-01-22
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. (TX)

I have recently checked all XXXX credit reports, to my suprise i had a lot of personal information being reported that was not mine and many creditors reporting debts that are not mine. Since then i have filed disputes but do not believe that TransUnion has completed a proper consumer investigation as described in the Fair Credit Reporting Act 15 US 1681a section 3 ( e ). Its states a consumer investigation involves personal interviews of friends, neighbors, and associates to whom pay have knowledge of the assumed debt being reported. I have personally contacted people i am familiar with and non of them have said they have been contacted of interviewed by TransUnion in regards to these assumed debts. If there has been interviews conducted i want a copy of all reports which should include the people interviewed : Names, phone numbers, addresses, questions asked and responses given and conclusion of each interview.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX PA 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
Consumer complaint received 2023-01-21
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)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX/Dept of Ed XXXX 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 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I had a fraudulent ACH transfer out of my account for {$5000.00}. I was notified and immediately called the bank to stop the transaction and lock my account. The bank failed to stop the transaction and lock my account. 
They allowed the transaction to post the next morning even after calling the night prior within 15 minutes of the fraudulent transaction occurring.
Consumer complaint received 2022-05-04
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (LA)

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX and there is no third party involved. I have sent out a letter to XXXX mailed certified dating XX/XX/XXXX. XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX : XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( XXXX ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, an individual made fraudulent online purchases on XXXX. The purchases ( 4 items ) totaled more than {$3100.00}. I went to my local Wells Fargo branch and immediately filed a fraud claim in an attempt to recoup the money that was taken. The original checking and savings accounts were closed to avoid further fraudulent transactions, and new accounts were opened. Money was returned to my account in the form of provisional credit and Wells Fargo continued their investigation. 

Today, XXXX XXXX, XXXX, I woke up to more than {$3100.00} being removed from my account by Wells Fargo, and the detailed information said it was a Card Claim Reversal of Provisional Credit. I don't have record of Wells Fargo notifying me of the impending action, and I certainly didn't have the money for that amount to be taken out. Their action virtually wiped out my checking and what little savings I had. 

Here 's what I know regarding the purchases leading up to this complaint : 4 online purchases were made on XXXX on XXXX XXXX ( cleared on XXXX XXXX ) XXXXXXXX XXXX. for {$74.00} XXXXXXXX XXXX. for {$3000.00} XXXXXXXX XXXX. for {$74.00} XXXXXXXX XXXX. for {$8.00} The transactions show up as two separate transactions on the original checking account ( {$3000.00} and {$150.00} [ the sum of the other XXXX purchases ] ) The items ( XXXX XXXX ) were picked up at XXXX XXXXXXXX XXXX # XXXX, which is in XXXX, Texas, near XXXX, a XXXX drive from where I live I spoke with a person ( XXXX ) in the Wells Fargo Fraud Division today and went over specifics. He said during their investigation and dispute with XXXX XXXX regarding the transaction, it was determined that sufficient evidence was supplied to indicate the purchases were authorized, although I never made nor authorized them. He said this is essentially a one-and-done process and that because of the finding, they could not refile the claim/dispute and that it was now considered a closed claim. I was not provided any other recourse or remedy. XXXX that the claim was closed and it's unfortunate that I was losing that significant amount of money. As part of that decision, they took back the {$3100.00}. 

I do not feel Wells Fargo represented my best interests in this matter and failed to perform their due diligence during their investigative process. Had they done so, I believe the result would have been different and this fraudulent act could have been corrected. Instead, I'm left paying for something someone else did that has and will negatively impact me for some time.
Consumer complaint received 2019-05-22
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. (CA)

Equifax and XXXX are reporting incorrectly that I am XXXX plus days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (SC)

I have attempted on three occasions to get this issue rectified with Executive Office of Well 's Fargo. I was approved for a three month COVID forbearance plan which ended in XX/XX/XXXX. My payments were to be restarted XX/XX/XXXX. I paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( which was the last payment ). I called the company in XXXX as I noticed the account was not updated correctly with the successfully received payments. Instead, my account was immediately closed and N/A was listed for those months as if they have no recollection of receiving my payment. They are in direct violation of the Fair Credit Reporting Act as this information they are providing is false and the accurate information as not been updated. Failure to correct it is a direct violation of the FCRA. I received a letter from them and a telephone in regards to this situation. The specialist XXXX in the Executive office said " it would take a month or so for the account to update. '' However, that is not true and it has not. I called again and was told I completed a year 's COVID 19 forbearance and that is not true. I have documents of the three month ONLY COVID forbearance plan that was initiated and the ONLY thing that I have ever agreed to with them. I have paid them in good faith for three months and they have refused to update my credit report. They have caused MORE harm by just quickly closing my account and NOT doing what should have been done which is report my account as positive to the credit bureau. However, they would be so quickly to report it if it were negative. I am so dissatisfied and unimpressed by the Executive office at Wells Fargo. It is a complete joke. I called about four weeks ago and was promised a call. No call and no more follow up notices by email. This is insane.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

Hello, I am having issues with the company ProCollect ( XXXX. XXXX XXXX XXXX, TX XXXX ) regarding an alleged debt from an apartment complex I moved out of on XX/XX/XXXX. In XX/XX/XXXX I received a call from ProCollect claiming that I owe {$820.00} stemming from a supposedly outstanding balance from XXXX XXXX XXXX XXXX XXXX XXXX, TX. Upon moving out from the aforementioned complex, I confirmed with the Lessor that my balance was paid in full. I was not contacted until almost 6 months later regarding the alleged debt. Since that time, I have submitted written & verbal requests that collection attempts be ceased based on my dispute of the alleged debt 's validity. I was instructed by the company to send proof via email, which I did. However, I received a letter today stating that my credit, ability to obtain employment, purchase a car or home, or qualify for further apartment rental may be " significantly '' affected if I do not remit payment to the collection agency. In my estimation, the continued attempts to collect after verbal & written demands to cease & desist have been made stands in violation of my rights under the FDCPA. This company appears to be incredibly unscrupulous and has continued to harass me via phone calls from various phone numbers with repeated calls, despite my formal request to cease collection attempts.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX, Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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. 

XXXX. XXXX XXXX Account number # XXXX XXXX. XXXX XXXXXXXX Account number # XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX. XXXX 's Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number XXXX