davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (GA)

I resided at XXXX at XXXX in XXXX XXXX, GA and was under lease from XX/XX/XXXX to XX/XX/XXXX. Afterwards I was on a month to month payment with no lease or obligation. I informed the company that I would be leaving the complex on XX/XX/XXXX by or before the date of XX/XX/XXXX. I subsequently left XX/XX/XXXX. I still owed a balance to the company which was {$830.00} after returning my keys. However, a while after leaving I started receiving correspondence from a debt collection company ( Professional Debt Mediation-PDM ) who stated that I was charged for not returning my keys and a partial month for the month of XX/XX/XXXX even though I was no longer living there. I was charged {$1100.00} and they deducted my {$600.00} deposit, which then made the amount owed {$530.00}. I expressed that this information was inaccurate with all three credit bureaus, XXXX at XXXX, and PDM. I also filed multiple disputes, including evidence showing that i was living elsewhere during XX/XX/XXXX. These disputed records were all updated without explanation for how this investigation was verified. The apartment agency stated they would decrease the payment from {$530.00} to {$430.00}. However, this should not be the correct amount owed. I expressed that I did not have an issue paying the past balance from XXXX which was {$830.00} minus the deposit that was withheld of {$600.00}, which would be {$230.00}, they did not agree and said it is my word against theirs as far as whether I returned my key, and the person who I returned it to is no longer with the company. This is currently affecting my credit and ability to be approved for other rentals.
Consumer complaint received 2022-12-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION (GA)

I have tried to get my payment lowered with no luck my interest rate tripled. I would like to work something out & work out an affordable payment before my vehicle gets repossessed. My car went from {$300.00} to {$500.00} I am 2 months behind.
Consumer complaint received 2023-01-05
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number : XXXX XXXX XXXX account number XXXX XXXX  account number XXXX XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX  account number XXXX XXXXXXXX XXXX ( original creditor XXXX XXXX ) XXXX XXXX  XXXX original creditor XXXX XXXX  ) account number XXXX XXXX XXXX ( original creditor XXXXXXXX XXXX XXXX in company ) account number XXXX XXXX XXXX  ( original creditor XXXX XXXX auto in company account number XXXX XXXX XXXX account number XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) account number XXXX Account number 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.
Consumer complaint received 2023-01-05
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number : XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX ( original creditor XXXX XXXX ) XXXX XXXXXXXX XXXX original creditor XXXX XXXX  ) account number XXXX XXXX XXXX ( original creditor XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX account number XXXX XXXX XXXX ( original creditor XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX Account number 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.
Consumer complaint received 2020-01-16
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. (OH)

I am filing a compliant do to someone accessing my personal financial identifiers. I was in the hospital for a while and when I was released I recently discovered that my information had been compromised. My name is XXXX XXXX XXXX please remove delete any another version of my name! I will be filing a FTC compliant and a police report as well. 
The following addresses are fraudulent I have never lived at these addresses please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Consumer complaint received 2022-12-25
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (TX)

I have called 4 times to request to have my due date changed from the 5th to the 18th. It is auto debited from my bank account each month. The first time I called, the gentleman said it would be changed and it would take 2 billing cycles to complete. When I received my statement for XXXX, it said the payment would be debited on XX/XX/XXXX. The payment was taken from my account on XX/XX/XXXX. I called and was assured it would be correct for XXXX. I received my XXXX statement and showed a due date of XX/XX/XXXX but the payment was taken from my account on XX/XX/XXXX. I called in XXXX XXXX and was assured by XXXX XXXX that it would be corrected and that when the payment was changed the first time, they only changed the due date but not my debit date for the payment. She said she corrected it and it wouldn't happen again. She also sent me a letter confirming the proper debit date. I received my statement for XXXX and it showed a due date of XX/XX/XXXX. XXXX 's payment was actually taken as agreed. I assumed everything was fine until today! My statement came showing a due date of XX/XX/XXXX and AGAIN they debited my account XXXX XX/XX/XXXX. Now, my account is overdrawn by more than {$500.00} and have been charged {$30.00} in overdraft fees. I am FURIOUS! This is the 3rd complaint I have registered with the CFPB about this HORRIBLE company. I can not understand why I am penalized for keeping my commitment to make my payments but they don't have to keep their commitment to take the payment as they agreed and NOT cause me to overdraft my account.
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (FL)

I called the Online servicing collection agency and paid my debt, in the amount of {$500.00} confirmation # XXXX, The company has yet to update my credit report. Furthermore when I disputed the trade-line with the credit bureaus they reported the debt as legitame even though it has actually been paid in full.
Consumer complaint received 2022-12-25
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

They took my principle only payment of {$2600.00} and split it into a normal payment of {$1200.00} and a principle only payment of {$1200.00} XXXX XXXX doesn't even add up to what I paid ) and took my regular month payment of {$1300.00} and applied it to XXXX. {$1200.00} is less than my regular payment of {$1300.00} and I have no idea how they randomly calculated {$1200.00}. Customer service was not helpful since they had to give it to another department and that department does not speak to the customer causing me to have to explain the situation over and over again after hours on hold, in total, to an intermediary.
Consumer complaint received 2022-12-25
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. (CA)

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 XXXXXXXX  # XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2020-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

Fraudulent checks totaling over XXXX were written on my account. Wells Fargo has denied my claims twice due to time limits. On XX/XX/2019 I was detained, after this occurrence my business checking information was used to write fraudulent checks totaling over XXXX When I was released from being Detained on XX/XX/2019 I reported the fraud to Wells Fargo, who denied the claim because I did not meet their time frame of 30 days. I made them aware of why I was not able to meet their time frame of fraud reporting, but my claim was still denied. The checks reported clearly are not my signature and were not authorized by me. They should never have been cleared by Wells Fargo because the security measure " Signature '' did not match.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TX)

I have tried 3 separate times to close my TJX Synchrony credit card to no avail. Additionally, I over paid my statement by XXXX XXXX XXXXXX/XX/2022 and have not received a refund for this amount. I want to close my account with this company and receive the amount owed to me for overpaying my credit card.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

OK XX/XX/XXXX WENT TO THE BOA ON XXXX XXXX XXXX XXXX AND ASKED THEM TO TAKE OFF A CO OWNER XXXX XXXX WHO LIVES IN XXXX AND SHE CANT WRITE BECAUSE HAVING OPERATION ON RIGHT WRIST HER WRITING HAND. 
THEY MADE ME WAIT THERE FOR AT LEAST XXXX MINS AND WHEN THE MAN CAME BACK HAD SOMEONE ELSE WITH HIM AND SAID HE COULD CLOSE THE ACCOUNT TO TAKE OFF HER NAME. tHEN HE WANTED ME TO HAVE HER COME HERE TO THE BANK AND SIGN PAPERS I TOLD THEM THAT CANT HAPPEN. I ASKED THEM TO GIVE ME THE PAPER AND WOULD SEE ABOUT WHAT I COULD DO, I LEFT WITHOUT THE PAPERS AND THEY WOULD NOT DELETE THE NAME OFF AS CO OWNER ACCOUNT XXXX XXXX XXXX TAKE XXXX XXXX OFF AS CO OWNER THATS ALL.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (NV)

Also according to 15 usc 1681 i7, I will like proof of steps taken to verify this account. They creditors is also in violation of 15 usc 1681 ( b ) furnishing false information to credit reporting agencys without my permission
Consumer complaint received 2020-12-17
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. (SC)

I have filed numerous disputes, I have also been locked out of my Equifax and XXXX online accounts. I have not used credit in years as I was XXXX. I have looked into and sought legal help since. I filed disputes with no luck. I am submitting this information in hope that the companies receive the information and update the reports immediately
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WA)

PayPal credit has continued to contact me regarding a balance even though I have have not used them. In XX/XX/2019 I requested an itemized statement of charges and to date have never received anything. I have not used PayPal credit, did not buy anything from vendor listed who also is out of business and not fielding any inquiries. Bottom line is I did not carry a balance with them and they refuse to help resolve.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (SC)

On XXXX XXXX I submitted an application for a Home Mortgage with Movement Mortgage. On XXXX XXXX I was contacted by XXXX XXXX, stating that he received by information and that he was working on my application. On XXXX XXXX I was sent an email from his assistant XXXX XXXX, she requested various sensitive documents from me. In addition, on XX/XX/XXXX, I spoke with XXXX via email regarding my loan, and I advised him when to contact me should he need additional information. XXXX XXXX I received a call from XXXX XXXX, requesting I upload a photo ID. XXXX XXXX I received an email from XXXX requesting documentation, I went to the movement mortgage website uploaded a host of documents, I followed up with XXXX and XXXX XXXX XXXX, XXXX informs me via voicemail that she still needs more documentation ( the same documents I sent her prior ) I emailed her explaining what was sent and what was uploaded on the website. I followed up with XXXX on XX/XX/XXXX, I get a response XXXX XXXX asking for more documentation and for me to send paystubs and another W2 because one wasn't clear. I uploaded all requested documents to the Movement mortgage website, I emailed XXXX on XXXX XXXX for follow up. The only response I got from XXXX was where he copied me in on email to assistant asking if she got written verification forms about my income.This process started over one month ago, unless it was initiated by me, I never received any correspondence updates on the status of my loan. Each time I contacted XXXX or XXXX, they needed more documents. I never received clear communication on status of my application. Therefore I came to the conclusion that Movement mortgage had no intention on ever processing my application approving me for a mortgage. Very sensitive information was sent to this company and they never moved forward with the mortgage approval process.
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I first found out about this debt because a third party collector sent me a letter in the mail with no information just stating I owed lvnv funding {$1100.00} and they appreciate my {$10.00} payment in XXXX but they need me to pay the rest off. First off I never made a payment because I was completely unaware of any debt. Second I contacted the company that actually collects their debts, resurgent, because there is a collection account under lvnv funding on my credit report and I recieved an email saying they have no account for me. Yet I have a collection account on my credit from them. So they asked for an account number but I do not have one because I just found out I had anything on my credit from them but I do not know what it is even for let alone an account number.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OH)

US Bank closed my account after a fake loan company deposited a bad check into my savings account in XX/XX/XXXX. I filled out several pages of identity theft paperwork notarized affidavit, name of loan company, phone numbers, etc. US Bank closed my account after that with a charge off due for the bad check amount, ruining my credit score. In XX/XX/XXXX my score was XXXX in XX/XX/XXXX my score plummeted to XXXX. Please help.
Consumer complaint received 2022-02-25
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. (IL)

In accordance with the Fair Credit Reporting Act Convergent Account # XXXX XXXX Has violated my rights. These account has also been removed by XXXX, and Exquifax. In which I have the investigation results Showing these items were in fact deleted and should not be reporting my on credit report Please demand XXXX to remove these two accounts. 

Also under Account # XXXX was also deleted from transunion showing NO derogatory accounts in question. I've attached a copy of accounts listed from XXXX this account is not showing. But it shows on Equifax an exceptional payment history that I do not recall. And it's showing on XXXX as a charge off. all this information is inaccurate and does not reflex the true identity of this accounts and should be deleted As soon as possible. 

The last Account # XXXX has also been deleted from my XXXX  credit report, I received a dispute acknowledgement from the company as well, but it has continued to show up on my XXXX and Equifax credit report and should be removed as soon as possible. 

15 U. S. C 1681 section 602 A. State I have a right to privacy U. S. C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (GA)

On XX/XX/2020 I received an alert on my credit file from XXXX, XXXX  and XXXX  that there was a collection added to my account from a company by the name of Sunrise Credit Services for an  amount due of XXXX the company has not sent no form of validation, sent any information in the mail or anything.Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.
Consumer complaint received 2023-01-05
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. (MN)

Equifax Im sorry based on your update with the required notice of dispute this information should have been updated 30 days after XXXX XXXX dispute in which they failed to do so this can not report on the consumers credit report and I do ask that you remove it immediately based on you entering the heart notice a dispute clearly shows between XX/XX/XXXX of XX/XX/XXXX that dispute was disputed prior to those dates so therefore you can not enter enter that. FCRA 622 and FDCPA 806B. This is a violation and must be removed. The Notification that I receive clearly shows that you just enter that on thXXXX XXXXXXXX XXXX XXXX for XX/XX/2023 and thats not acceptable Im gon na need you or XXXX  XXXX to remove this account immediately and both of you guys have been notified and I think you! 

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