davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CT)

Our mortgage company bundled our sewer tax into other bills paid out of our escrow for several years. Then suddenly the sewer tax stopped being paid. We called and Dovenmuehle told us that this was an error and that they would submit the payment. This happened two years in a row, then last year they told us that they did not pay sewer tax and apparently had never paid the past due sewer tax. While we tried to figure this out, the city put a lien on our house and charged us late fees and interest. I spent a few weeks working with people at XXXX XXXX ( the company that holds our mortgage and sold the servicing to Dovenmuehle XXXX in XXXX of 2015 to get it figured out. Finally I was told that the past due amounts and additional interest had been paid. We got a new sewer tax bill in XXXX and apparently the money that we had been paying toward the actual bill had been put toward the fees Dovenmuehle was supposed to pay, and now we were late on the current bill. We also saw that there were XXXX charges for " hospital tax '' billed on one day from our escrow. I called XXXX XXXX again and was told that those payments were toward the late fees which XXXX was supposed to pay - so they took our money out of escrow to apply toward bills they had promised they would pay and called it something else .... I do n't know if they were trying to cover up that they were taking our money to pay for their mistake or what. But to this date, the issue that has been going on for years has STILL not been corrected, even though XXXX XXXX repeatedly assured me in XXXX that I did not need to worry about it, it was all taken care of.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Adjustment Service, Inc. (MN)

This company Diversified Adjustment Service ( XXXX ) contacted my XXXX year old parents in another state to get information on me. Meanwhile I already paid the debt to XXXX XXXX XXXX. When I asked the debt collector how they got my XXXX year old sick mothers cell phone, who regularly takes my XXXX year old father to XXXX for XXXX XXXX, they said " It was contact information from XXXX '' This is a total lie. I dont even know my mothers cell phone number. Why would I ever add it as a contact number. This has caused her a great deal of stress an worry.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXXS XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ;
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX Balance {$0.00} XXXX FIN LXXXX Balance {$0.00}
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and Trans Union. Thank you!
Consumer complaint received 2016-06-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I have disputed this debt over and over with the credit bureaus and the collection agency. Midland constantly is allegedly doing a reasonable investigation and verifying the account is reporting XXXX accurately. I disagree. While i have constantly asked Midland to verify and validate the debt and provide proof of it such as a contract or account statements showing what was bought with the alleged credit card. They have never sent any documentation at all. They only ever sent me a letter stating to call them to resolve my dispute. Since they have never sent me any documentation regarding the validity of this account they have violated the recent CFPB consent order from XX/XX/2015.
Consumer complaint received 2022-08-29
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. (NJ)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document. The records 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, eliminate the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I kept getting junk mail from capital one saying if I applied for their quicksilver card and was approved, I'd get a {$300.00} statement balance if I spent {$500.00} in the first 3 months. I applied for the card and called now, 3 months later after having surpassed the {$500.00} spend mark and was told I wouldn't get that bonus despite the many months of junk mail stating I would.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. The following accounts need to be deleted : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX I have several hard inquires on my credit the need to be removed. I was in the hospital and found out only recently that someone was using my ID information to apply for credit without my knowledge. Please remove the following inquiries XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2022-09-02
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance : {$34000.00}
Consumer complaint received 2022-08-29
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 online information services account # XXXX, XXXX credit c account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2019-11-15
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)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on  pursuing litigation in this matter to enforce my rights under the FCRA I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the  following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account Creditor Inquiry Date XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 Bank of America Closed my checking and savings account, along with my children 's minor accounts with no explanation, I called to inquire about the closure and they stated it was an " executive decision, they refunded my children their funds in the form of a check a couple of months later. I had balance on my account of but I never received a refund, only them reporting I " owed '' a " unpaid '' balance of XXXX which I did not find out until much later, this caused such a inconvience as I had my main monthly income directly deposited into said account. 

months later I went on to open an account with XXXX XXXX with no issues, along with my children I had no idea what was being reported on XXXX, until I was in the market for a vehicle. I was approved for a XXXX auto loan through a Credit Union but was not able to move foward with the loan process, because I was made aware of what was being reporting on XXXX  by Bank of America, They reported " My account was close due to " fraud ''. I was livid! knowing full in well I commited no fraud, I went into a Bank of America Branch to speak with a Branch manager, as I called BOA fraud department on my phone. 
I was on the phone for a total of 4 hours with still no explanation of what fraud was commited and why they had that listed on " XXXX  '' ( the consumer reporting agency that All bank use to screen applicants that want to opening any type of Checking or Savings accounts ) or how it could be resolved, the Branch manager was helpful but could'nt tell me anything more than what the rep on the phone was saying I disputed this with XXXX  to only receieved a letter stating " There was no actual fraud done '' and that the information ( account ) would remain on XXXX. They even admited in the response that they did not make me aware of what they reported without to the agency without my permission, This is hindering me as buisness and trying to establish financial security for my children. this has been a complete nightmare. I can not open any other bank account at this moment because of this information that is being reported in XXXX  by Bank of America
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against two collection agencies, a Crown Asset Management , LLC, as well as a XXXX, XXXX XXXX XXXX. 

This XXXX, XXXX XXXX XXXX is claiming that they are collecting a debt for this Crown Asset Management , LLC, in the amount of {$3900.00}. 

And I am writing to complain to your agency because I do not owe this debt that Im being charged. 

This collection company Crown Asset Management , LLC, has never contacted me in any way to verify if I knew of, or to find out if I owed this balance that Im being charged. And according to the attached letter, this debt came from XXXX XXXX XXXX XXXX 

In XXXX, I did have a XXXX credit card, and the creditor deceived me with the terms. When I first got the card it was supposed to be 0 percent interest for the first year, but that is not what XXXX XXXX XXXX XXXX did. 

After I had used the card, after 6 months they started charging me a high interest rate, when I wasnt supposed to be paying any interest at all, and I did complain about that at the time, and I had filed a complaint about the issue. 

The interest that they were charging me on the card, drove the balance up high, and I did pay the balance off in full at one point. 
I had, had to have my card replaced at one point, but my balance never seemed accurate, I had always felt as though I was being over charged, I had called and discussed this with them over and over, and got nowhere. 

I have not had anything to do with XXXX XXXX XXXX XXXX XXXX for at least a year and a half, and they are making it look as though I have been doing business with them in XXXX, so as to add a fraudulent status date, and high balance owed onto my credit file, to destroy my credit. 

I did not run up any balance to {$3900.00}, from the statement that I was able to find, you can see that XXXX XXXX XXXX XXXX has been adding over {$100.00} plus dollars in interest charges, and fees monthly to this credit card account that they have passed on to these collection agencies. 



I am disputing this debt, I do not owe anyone {$3900.00}, and before Crown Asset Management LLC passed on this debt to any other person, or collection agency, they should have had the decency to notify me about the debt first. 

And worse, I have had no dealings with XXXX XXXX XXXX XXXX XXXX for least a year and a half, why would they want to place false fraudulent status date information onto my credit files showing as if I have an open account in XXXX.
Consumer complaint received 2015-05-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I wired money on XXXX/XXXX/2015 from USAA account : XXXX XXXX XXXX {$5700.00}. to : XXXX XXXX XXXX, bank name : XXXX bank, bank address ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX acc # : XXXX. SWIFT code : XXXX. 
After two hours, I called to recall the wire transfer back. It was pending. I 'm still waiting for the recall. I know it 's my responsible to make sure the account information is correct. I feel that as a consumer that I should be able to recall the wire transfer as it is a error and scam. The receiving bank should be reply to USAA. All the bank should be there to help good customers not a scamer. The bank I wire the money to is in XXXX. 
The scam company is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, email : XXXXXXXXXXXX. 
add : XXXX XXXX XXXX, XXXX. XXXX. XXXX, XXXX ; XXXX. 
Banks should be able to recall the wire transfer for all the customers. Bank should be help the customers to get their money back as it 's is a recall. 
I also want to report XXXX Scams : XXXX XXXX {$8500.00} wired to XXXX from XXXX 's bank : Beneficiary : XXXX XXXX XXXX. 
Bank XXXX Bank XXXX XXXX XXXX. 
Bank address : XXXX XXXX, XXXX XXXX XXXX, XXXX bank XXXX # XXXX XXXX XXXX : XXXXPlease do published these XXXX scams ' company and name of these XXXX XXXX company:XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, fax:XXXX address : XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX. XXXX # XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tel : XXXX, fax:XXXX, address ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX. 
Please do protect consumers and we should be able to recall all the wire transfer back to good customers at the same day or the next day.. 
Thank XXXX : XXXX : XXXXXXXXXXXX
Consumer complaint received 2022-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi my name is XXXX and i would like to inform about identity theft going on with me.I was exposed to data breach.I was checking my credit recently which i do very rare because i need to lease a car and i see my credit score is dramatically low.Upon checking i saw that there are fraudulent account that are not mine account i didn't authorize to open or use i saw addresses names and employers that i never lived worked and names i did not use.I tried to contact them and handle it with a bank but some of the customer service agents either hung up or said to take care of these with credit bureaus .Im also going to report to CFPB about this manner that they show to the victim of identity theft.The best resolution will be all major credit bureaus blocking those items from my credit bureaus .Also im going to include up to 19 inquires and sign for them on separate piece of paper because it wont fit here.Thank you in advance hope this will be resolved asap.