davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (OR)

I used XXXXXXXX XXXX XXXXXXXX to refinance my home. The process began in XXXX of 2020 and the final payment to Dovenmuehle mortgage was made on XX/XX/2020. On or around the time of payoff to Dovenmuehle, Dovenmuehle attempted to sell my loan to XXXX. XXXX realized I had just payed it off so the loan transfer was never completed. XXXX XXXX XXXX  and the Title company used informed me I would be receiving a check for just under {$11000.00} ( representing the escrow money from the sale ). XXXX came and went, and beginning of XXXX I called Dovenmuehle " Where is my escrow money '' - they told me " XXXX has it ''. I call XXXX " We never went through with purchasing your loan, why would we have your escrow money? '' I call Dovenmuehle - ( bear in mind now a total of 22 times ), getting different answers, dodge and minimize, let me transfer you to a supervisor - the transfer you to a supervisor routine sent my call into a call completion survey asking how the service was about 8 of these 22 calls ). I was told around XX/XX/XXXX " Oh look, we've found your escrow money '' - you'll get in a few business days. Nothing. I called a week later " where is my money ''. They say " we see it in the account, hmmmm, let me transfer you to a supervisor '' ( only to get cut off once again ). The next time I finally get through I'm told " we cut the check on the XXXX of XXXX but it hasn't been mailed '' - I ask " Can you send it overnight, I'm unable to pay bills and need that money '' - they said yes. It is now XX/XX/XXXX. Yesterday I made 3 calls, the first two got dropped in transfer to a supervisor, the final call asked the front line called " please please ask a supervisor to call me, you are unable to effectively transfer me and I need this money ''. She took down my name, number and old loan number. NO CALL. I call today, they tell me " it looks like the check was mailed yesterday, I can't tell if it was overnight or snail mail maam, I'm sorry you will just need to be patient ''. Dovenmuehle has such a  scarcity of customer service it's astonishing.
Consumer complaint received 2020-09-30
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. (WA)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My ex added me as an authorized user. However, I never had a card. 
The card was subsequently charged off. Trans Union has refused to delete this item even though I am not liable for it. Transuion even has it listed as a terminated account.
Consumer complaint received 2020-09-30
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. (WA)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.
Consumer complaint received 2020-09-30
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXction 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-30
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: Credence Resource Management, LLC (TN)

On XX/XX/2020, I sent a letter certified mail receipt return to Credence Resource Management after receiving my credit report. They are reporting I owe for a debt that I have no knowledge of. I never received any mail from Credence prior to reporting this information on my credit report. After thoroughly investigating, I found Credence not to have a license to collect debt in the State of  Tennessee. I found this information on The Tennessee Department of Commerce & Insurance and spoke with a representative with the State of Tennessee who confirmed the information was correct and accurate. I took a screen shot and included it in the letter I sent certified mail receipt return to Credence. I informed them that they are illegally trying to collect on a debt in the State of Tennessee because they are not licensed in the state. I asked them to immediately remove the item from my credit report and cease attempting to collect on the debt. 

Credence response was the creditor verified that the charges on the account was valid without providing validity of the debt. They failed to address the fact that they are not licensed in the State of  Tennessee and they continue to report the unverified information on my credit report. It is damaging and a defamation of character. I informed them in my initial letter that I would file a complaint with the CFPB, the Attorney General 's Office, and the XXXX depending on their response and the outcome.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and assurances from your company, these fraudulent charges persist, causing significant stress and financial concern. 

The presence of these fraudulent charges not only damages my financial reputation but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is imperative that these charges are promptly removed to prevent any further damage to my financial standing. 

Furthermore, I expect to be compensated for any financial losses or damages incurred as a result of these fraudulent charges, as well as for the inconvenience and stress caused by having to deal with this situation repeatedly. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
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. (LA)

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 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 the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall ot furnish any information relating to a consumer to any consumer reporting agency ifthe person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-30
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. (WA)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC (OR)

Organisation name Ria money transfer XX/XX/2022 started a transaction foreign country waited for transaction to take place for four days there were no transaction made therefore ask for refund according to the website it could take 2 to 10 days the promise of two days its fraudulent in almost always take up to 11 days one mistake attempted to correct with the customer service they were polite but not helpful customer service refused to escalate the situation to upper management on two occasions transfer is for medical expenses creating a hardship for both recipient and the sender there were no ways of resolution of a simple mistake through this service. further customer would not know what transaction this service will keep holding to release five days. some transactions the service will release within hours, others they will choose to hold for longer periods not having a system that is informing a customer which one they choose to hold is a problematic on customer end that is what happened with me I was used to the releasing within hours of transfer and this time they refuse to do so this create major problems for consumers and win this occur they are not working with the consumer to help many customer service calls repeated same information refuse to escalate to get help
Consumer complaint received 2020-10-01
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-11-06
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: ID Analytics, Inc. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Ive previously disputed this debt, it was removed and added again. Ive also provided all the required relevant documentation numerous times. I have included the initial complaint, in which Columbia Debt Recovery admitted to the negligence of the fraudulent reporting, and that it would be removed.
Consumer complaint received 2023-07-25
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. (GA)

There is information from XXXX XXXX  ( inquiry ) that I am not responsible for. This is something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. states I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 b permissible purpose of consumer reports, I never gave this institution written consent to pull my credit report. 15 USC section 1681 s-2 block of information resulting from identity theft. I asked Equifax to remove this information from XXXX XXXX immediately.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

So I paid my balance off in XXXX of 2022. I paid what the statement said my balance was thinking that my account was paid off. Apparently 2 weeks after I paid my balance there were additional finance charges in the amount of XXXX charged to my account in XX/XX/2022 which I did not expect since the statement said what my balance was. Now I have been charged late fees since in the amount of {$150.00}. I had no idea that there would be additional finance charges so I never even thought to look at this account again until I started getting collection calls in which I called one of the numbers back and they told me not sure why I was getting calls because my balance was XXXX. Well the supervisor I spoke to tonight said he has no recorded calls that I spoke to anyone. The person I spoke to looked up my account and said XXXX balance. So now I am stuck paying all these late fees and he refuses to take any off. Very tricky when you think you pay your account off based on what the statement balance is.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX 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 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 2023-01-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC (OK)

Lend Nation XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX ( XXXX ) XXXX Account # XXXX The loan was refinanced on XX/XX/2022, in the approximate amount of {$920.00}. The loan should have been due in thirty days, but I was told it was due instead on my next pay day on the 3rd of the month. I was not given a copy of the loan agreement and there is none posted under my user profile on-line. 

I am unable to log in and make loan payments prior to the due date or on due date because the creditor manipulates on-line user account access. The creditor telephones me right after my failed attempts at logging on. I am told they prefer me to call in to make a payment. I often inquire about the change of monthly payment amounts, no on-line statements, and the balance isn't decreasing. 

XX/XX/2022, {$80.00} XX/XX/2022, {$150.00} XX/XX/2022, {$150.00} XX/XX/2022, {$180.00}
Consumer complaint received 2020-10-01
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. (PA)

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. 

But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : Fraudulent inquiries XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX   XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Fraudulent Account XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  / XXXX, Account Number : XXXX I am attaching the formal request I sent them and identity theft report from FTC too for your consideration.
Consumer complaint received 2020-10-01
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX 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 2023-01-06
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. (TX)

I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 


I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

THIS ACCOUNT IS NOT MINE I HAVE NO CONTRACT WITH PORTFOLIO RECOVERY. I REQUESTED A COPY OF A CONTRACT OR AGREEMENT WITH THERE COMPANY WITH WET SIGNATURES OR INFORMATION DELETED FROM ALL 3 CREDIT BUREAUS. INSTEAD I WAS SENT A SCREEN SHOT OF BILLS WHICH IS NOT A LEGAL DOCUMENT NOR WHAT I REQUESTED. THIS IS NOT MY ACCOUNT WITH PORTFOLIO RECOVERY. SINCE MY ORIGINAL REQUEST WAS NOT ANSWERED & THERE IS NO PROOF OF THIS FRAUD ACCOUNT THIS IS TO BE REMOVED FOREVER! 















BILLS FROM OR REQUESTED THIS FRAUDULENT ACCOUNT REMOVED. I WAS NEVER SENT THE INFORMATION REQUESTED BUT A SCREEN SHOT OF A SCREEN
Consumer complaint received 2024-04-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/XXXX synchrony bank decided to lower my credit limit on my amazon store card on my statement closing date without informing of any changes they would be making to my account. 
They lowered my credit to an amount {$33.00} below the new credit line they issued thus making it appear to other creditors that I overused my card. 
My credit utilization on this card prior to the change was 36.2 %, after the change it was 96 %. 
Because of that my other wise good credit score has taken significant damage because I got hit on 2 counts ( 1 ) high utilization & ( 2 ) the fact they lowered my credit.

I've never missed or been late on any payment and my usage has and is always low. I have a 22 % utilization across the board for all 12 of my accounts. 
They have essentially put me in a bad position and refuse remedy the situation. 
They've run multiple soft checks on my report up to 5 times a month every month for the last 10 months.