davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (PA)

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 USC 1681. 

XXXX Bank Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report the report by more than seven years.

! 5 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 2023-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (NY)

This company did not reach out to me in anyway via mail, email or phone to verify this debt or allow me or dispute it. In fact, they have not reached out it me at all. However, They added a collection account on to my credit reports, without following any of the legal requirements and procedures they were supposed too.
Consumer complaint received 2022-05-24
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. (NC)

I did not consent to, authorize nor benefit from the following inquiries. Block and remove them. 
XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-04-15
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. (MA)

I am writing to request that you correct errors in my credit report. On XX/XX/XXXX, I contacted Transunion about incorrect information on my credit report, but to date, I have not received any response. 

Firstly, I require that you verify the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ) due to incorrect reporting. I am uncertain about the accuracy of the balance you report for this account, as I do not recall owing such a high amount. Furthermore, your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I will be contacting the creditor to clarify this matter. In the meantime, please mark this account as disputed to prevent it from negatively impacting my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 

Secondly, I require that you verify the account identified aXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$990.00} ) due to incorrect reporting. The balance you report for this account is inaccurate, and I believe it should be a lower amount. Moreover, the Past Due amount should not be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request that you verify the Date Opened, Date of Status, and First Reported. 

Thirdly, I require that you examine the account XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) due to incorrect reporting. The Balance of {$1900.00} that you report seems to be higher than what I remember. Additionally, your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I plan to address this matter directly with the creditor, but I need your agency to report the account as disputed while I seek a resolution. 

Finally, I would like to bring to your attention that the following accounts are not mine and request that you remove them from my credit report : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ), and COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ).
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.
Consumer complaint received 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Dovenmuehle Mortgage, Inc. (OR)

Dear CFPB, XXXX XXXX XXXX Re : loan # XXXX DMI I am reaching out fir your help after to nearly 7 months of effort requesting a forbearance extension. 

In XX/XX/XXXX, I was approved for a 3 month forbearance under the CARES Act COVID related forbearance, for time period XXXX XXXX XXXX 
On XX/XX/XXXX, per the original forbearance approval letter and verbal instructions, I requested a 3 month extension on my forbearance. 

In XXXX I began receiving collection calls and the servicer began requesting payment in full for the missed payments while in Forbearance under CARES Act.

I have been working with them for months, to no avail, on forbearance. 
I have attached phone record history and email/ loan solution center history showing my immediate responses of requests for documentation. 
During this time perid DMI has negatively reported my mortgage account which has resulted in numerous creditors reducing my credit lines and damaging my credit score.
Consumer complaint received 2022-10-28
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: AMERICAN EXPRESS COMPANY (GA)

An individual American Express Account number that I did not open is reporting on my XXXX Credit Report as a charge off. That is not the individual American Express account number or physical credit card that I have on record in my personal files, nor has American Express ever contacted me about that account number. XXXX XXXX claims that it conducted a reasonable investigation which involved contacting American Express to verify the account. That account information is inaccurate. XXXX XXXX is noncompliant and negligently violating my federally protected rights to 100 % accurate and fair credit reporting. I have requested verification numerous times on this matter from XXXX XXXX and filed several, prior complaints through the CFPB, one of which is still open. Please see the attached documents.
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I received my XXXX 2017 credit card statement from Synchrony and on that statement I am being charged interest. Instead of following my instructions of paying {$70.00} on the promotion charge and the rest on my other auto charges they are reducing the full amount of my payment toward only the promotion amount and not deducting from my other expenses as instructed causing me to incur interest charges.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: United Collection Bureau, Inc. (IN)

The XXXX XXXX XXXX Them phone numbers XXXX They closed my bank account and blocked XXXX XXXX  as well as the XXXX of the rest of my income in that bank Note that that detention caused the obstruction of my daughter 's treatment, and I told them about it and they did not pay any attention to me He also caused the water and electricity to be cut off from my house because I did not pay the bills Also, this suspension caused me to delay paying the monthly payment to my house, and the reason for the delay will cause fines for delay and perhaps evicting me from the house where I live, my wife and my daughter And also, Im trying to let you know that I do not receive any later to tell me that I was supposed to be pay in the amount for them or for the federal because they told me they cut my account or they close my account because I have to pay the tax
Consumer complaint received 2022-11-22
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)

Hello I was traveling around the XXXX and I was using a credit card from XXXX bank which is an online bank based on the App on my XXXX which was great because it was not rejecting my transactions while I was traveling. Then I updated my payment bank option to make sure my payment is going through for min balance which is only {$40.00} but when I came back I found out the app didnt update my account with my new bank account number and payment was rejected and I called XXXX bank and manually updated my bank account and made a full payment {$5000.00} to creak my balance and they waved the fee because of that error but then their system reported me over my limits after I made full payment and After they reported me, all credit bureaus decreased my credit score and I contact XXXX and told them to fix this and contact transunion and file a dispute to get an updated balance which is {$0.00} with my XXXX bank Now XXXX used this credit score drop as an excuse and lowered my credit line from {$5500.00} to {$1000.00} and they are not even going to fix the damaged they made to my credit score but use it against my XXXX account and decreased my credit limit
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This is in response to XXXX XXXX discontinuing service on their app. As a result of this occurance, I need full disclosure in writing the intent of doing hard pulls on credit and not reporting to credit bureaus payment history, etc. Please send the po box or registered agent information to receive from me written correspondence in any event XXXX XXXX, XXXX. XXXX Bank or assigns intend to make attempts to wage garnish or collect on a debt. I was sent a follow up email from this company stating that they would not be pursuing to do debt collection. So TransUnion at their earliest convenience, I demand that they remove this inquiry off of my report.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

XXXX this was closed out but out of all the documents that were posted not one of them pertained to the fact that I was approved to receive my payment for {$2000.00} for fraud on my account, but they have not sent me a check for the claim that I was approved for and I was told by one of the customer service representatives that changed my address to the correct address last week that fifth third bank sent my check to the wrong household and someone cashed my check because they were saying someone went inside the bank with a no hair on their face no covid mask that surely was not me because i wear a covid mask daily and I also have a beard they did not have anyone like me inside that branch cashing a XXXX check yet when they saw that I had a beard they refused to allow me to see the footage when i was sent into the branch to so-called see the footage the ladies refused to let me see it because they knew it was not me... next thing on my account they had notes of some real discrimentation leaving comments like my skin XXXX and beard was fake beard and fake hair they have never seen me a day of their life and surely don't have a fake beard this was an attempt to not satisfy a claim after I was approved for ... I have a letter that I received with no check and I have been calling about this issue for the past 2 months yet I have not received a check to clear this account, cause it's getting to the point that I need to be compensated for all of this they have sent me through so they would not pay me the amount for the claim that I was approved for and I am owed I hope this gets resolved quickly because if it doesn't the bank will need to compensate me, especially with my house close to going into foreclosure because of this issue that the bank has sent my check to the wrong person and have not corrected this issue since I first told them i havent received my money over a month ago.
Consumer complaint received 2023-03-03
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. (NC)

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, NC XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2023-04-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acceptance now- XXXXXXXX XXXX XXXX XXXXXXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 2017-11-07
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. (FL)

XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on XXXX. XXXX inquires on XXXX credit report. XXXX inquires on Equifax.
Consumer complaint received 2023-05-17
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. (MI)

I feel strongly the credit bureau discriminated against me reporting my credit scores & has caused negative responses when applying for credit. There are open accounts that is paid each month that is not shown on my credit reports. On XX/XX/2023, XXXX XXXX denied a credit card account. It was stated applying would not effect my credit score apparently this was not true. There has not been any bankruptcies or delinquent accounts because I havent opened any accounts in the past ( 7 ) years.
Consumer complaint received 2023-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

So I wanted to try drop shipping and I successfully made an online shop. After that, I converted my PayPal account from a personal account to a business account. After a while, I decided to contact PayPal to change my account back to a personal account because I realized I could not send my money to a card. after I contacted them for some reason my account got a permanent limitation and I was banned from PayPal. I have no idea why this happened as I didn't do anything illegal such as drugs, or any illegal substance. The last transaction that happened was from an app called XXXX '' which I got paid for doing affiliate marketing and advertising their app The transaction ID was ( XXXX ).
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid off my card XXXX XXXX and asked them to please provide me with documentation that it has been paid. It has been two weeks and they still haven't reported to the credit bureau or sent me any information regarding its been paid. I've reached out to them twice regarding this issue and have gotten nothing in return.
Consumer complaint received 2020-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (IA)

i was scammed XXXX by premier student loan forgiveness program ... i paid them five payments of XXXX, and XXXX a month for several months ... they stropped taking the payment out of my account, which i thought was fishy so i tried to call them and they're closed because of a lawsuit against them ... i really need to gat the money back, and not sure how to go about it
Consumer complaint received 2018-03-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

On or about XX/XX/2018 EverBank, XXXX representatives XXXX XXXX, stated at my closing date on XX/XX/18, that an outstanding mortage loan that was taken On or about XXXX, would be satisfied by the owner. She indicated it was discussed with the sellers representative, and documentation would be provided to me at closing, once the seller pays off the loan from the sale of the property at closing. XXXX XXXX XXXX when so far to state that the loan would then be satisfied and the title would be clean and clear, which would deem me as the rightful owner of the property. The bank knowingly positions a false narrative to purchasing the property, when it was clear that the property could never be sold. 

Everbank was misleading and did not follow banking policies and procedures knowing that I purchasing the property would never be accomplished due to representatives at Ever Bank, XXXX, delayed the process of proceeding to close on the home using many unfair tactics, being aware that the open loan was a loan that can never be satisfied at closing, because in fact the seller had taken out a Home Equity Loan. The bank is well aware that taking out an Home Equity Loan, means in fact the equity is taken out against the home leaving the value of the home is worth less than what it is appraised, due to the equity being taken out of the home. The bank never once dispels this matter to me, withholding this information to me as the buyer. Instead the following representatives ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ), used stall tactics and put unnecessary barriers that refusing to follow policies and procedures, under the notions or in lure of not being able to complete these steps. I was still able to complete all requirements stated on the commitment letter, that Ever Bank, XXXX also delayed dispensing to me as well, which XXXX XXXX were aware and allowed the false banking practices to proceed. 
The representatives, that handled my VA XXXX traditional Home Mortgage Loan process as follows ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), all had the documentation of the type of loan that was taken out against the home ( Home Equity Loan ). The Bank still proceeded to state on one end I was ready for closing, and on the other end I was not ready for closing, due to stall tactics that were against policies and procedures all to distract me from finding out that the seller has taken out an Home Equity Loan taking all the equity out of the home as well as that Deed of Trust is not within the sellers possession. 

Ever Bank, XXXX has convinced me to dispense expenses towards the home, which amounted over XXXX dollars on the intention that I would obtain the loan, knowing that this could never occur due to the seller taking out a Home Equity Loan, which took all the equity out of the home, which the property is worth less than what is appraised for and could never be sold..
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (GA)

I am filing this complaint against  COMMONWEALTH FINANCIAL . They have not responded to correspondence of having a duplicate account on my credit report and not providing any information as to the debt. I am requesting that both accounts be removed immediately from all  XXXX  credit bureaus.   {$1100.00}  XXXX   XXXX