davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (GA)

I don't know where else to turn at this point in order to save my home. I have been sending documents over and over to the lender and it just doesn't stop. Every time they review my documents by the time they are done they have expired and ask for additional documents. Please help me save my home!
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Equifax RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. After previously delete at the item and then added it back on without sending proper notifications! 

I am absolutely certain that the item I disputed should be permanently removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence! Who did you speak with at the United state bankruptcy court in XXXX Minnesota. Please provide a copy of what information did the US Bankruptcy court provided to you that would have made you reinsert the chapter XXXX public record?? They are the furniture of this information so they mustve supplied you with some type of information that wouldve made you put it back on the report after deletion! You keep saying XXXX and the pacer system but they are 3rd party. Per the FCRA this information must and shall only be verified with the furnishing company and that is the United States Bankruptcy Court, XXXX! 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate violation of the FCRA Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-01-30
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. (NH)

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX   XXXX {$8400.00} XXXX/XXXX XXXX XXXX {$490.00} XXXX XXXX   XXXX XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2022 funds transferred {$5000.00} XX/XX/2022 funds transferred {$5000.00} XX/XX/2022 funds transferred {$5000.00} XX/XX/2022 funds transferred {$5000.00} USAA can not tell me anything about these transmissions or where they went. These transfers were authorized by USAA with only {$270.00} in my account to begin with. As a result my acct has been closed and USAA has taken another VA XXXX check from me to off set the negative balance. I am now XXXX, no longer have a job, unable to purchase the meds I require for my mental illness and have ultimately destroyed my life in the process. With absolutely no evidence of wrong doing on my part.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I use online banking at Bank of America to pay my rent each month. On or around XX/XX/XXXX I scheduled a check to be mailed to my landlord on XX/XX/XXXX for {$790.00}. On XX/XX/XXXX I checked my bank account using the app and saw that the funds had been withdrawn and all charges from the weekend had been posted to my account. When I checked again on the XXXX no charges from the weekend had been posted and my bank account balance did not reflect a rent payment. When I tried to check my bill payment center the app stated the service was temporarily unavailable. I has been receiving emails from BOA directing me to a message regarding bill pay, but I did not click on links in case of phishing. Instead I logged into the app and saw no messaged. On the XXXX I checked my account and now the {$790.00} had been deducted and the charges from the weekend were reflected again. When I logged in this morning the {$790.00} has been returned to my account the billpay center looked completely different. I could not see any previous payments. After one hour on the phone I learned a freeze had been placed on my bill pay by the Know Your Customer department because they had attempted to reach out to my mother, with whom I opened the account 14 years ago, to confirm her information per " federal regulations ''. This freeze delayed my rent payment and put my housing in jeopardy. The bank has also threatened me with fees because they were unable to process the payment, even though I had nothing to do with it.
Consumer complaint received 2020-01-30
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. (TX)

I contacted all three bureaus XXXX, XXXX, and Equifax about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm late.
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

Freedom mortgage shouldnt be allowed to be licensed for mortgages. My mortgage was sold to them and I had no idea. They were never planned on sending a welcome email so I could create an account. I was forced to call to get my loan number. After attempting to make my payment, they fraudulently took funds from an account I did not authorize that was only kept the funds to be a member of a credit union. They never had that account number and I believe did it to cause a fee.
Consumer complaint received 2021-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. Please remove these items from my credit report.
Consumer complaint received 2020-01-30
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. (TX)

I contacted all three bureaus XXXX, Transunion, and XXXX about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm late.
Consumer complaint received 2021-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the colllection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or Items 1-13 are in violation of XXXX. 
I have reached out to you all communicating this issue. These inaccurate items are a misrepresentation of my character. 

Also I have attached a copy of my credit report as evidence that these items are inaccurate in misleading. The other bureus have already fixed these issues you all are the only bureus that have refused to cooperate. 
If this continues I will seek litigation.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2018-A merchant advise ( XXXX Content ) that their company could conduct fine line editing and proofreading services. I was told to pay {$220.00} and to give them three days. The three days turned out to be a forgotten one month with lost documents which, the company states never received but, to the finding the company did not understand how to do proofreading or editing as suggested. The company also stated will do proofreading editing within 3days and have a 100 % customer satisfaction. I company lead me on for a month and could not do the job. I called paypal to dispute the transaction and paypal said I have a 100 % no liability and have knowledge that I went to XXXX  ( aka -XXXX XXXX XXXX ) company to get the document done. Paypal then on XX/XX/2018 after XXXX XXXX gave an inaccurate response stating it was a thesis editing and proofreading of over 6000 words which, they took my work including the reference and illegally tried to claim as their own. Paypal gave send XXXX  a letter stating XXXX XXXX was valid which, It was against federal law and their own policy to help a company like XXXX to deceive people for service.Paypal has a history of allowing merchant to fraud customers without taking actions against them as it was agreed in their terms and conditions of using paypal system.Paypal transaction number is XXXX -- - Detailed info -- Case details Seller information XXXX XXXX XXXX XXXX Invoice ID XXXX Transaction amount {$220.00} Transaction ID XXXX Disputed amount {$220.00} Dispute reason Item not as described Company I went to correct the error -- Was XXXX
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

IM COMPLAIN ON CAPITAL ONE BANK CREDIT CARD. THE DEBT COLLECTION TOLD ME ONCE I PAID WAS DEBT THEY WILL REMOVED IT FROM MY CREDIT REPORT. I RECENT LOOK AT MY CREDIT REPORT AND I SEE IT THEY ARE STILL REPORT. I NEED THIS ACCOUNT REMOVE OFF MY CREDIT REPORT. IT MESS UP MY LIFE. I TRYING TO PURCHASE ME A HOME CANT DO IT BECAUSE ALL THIS INACCURACY INFORMATION ON MY REPORT. THIS HAPPEN XXXX OF XXXX
Consumer complaint received 2021-12-07
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. (LA)

I initially sent a series of letters to the credit reporting agencies and creditors, with the last being o XX/XX/2021 which was, y second or third request. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. 
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXXXXXX updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2021-12-07
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$10000.00} XXXX XXXX {$9200.00} XXXX XXXX {$4800.00} XXXX XXXX {$0.00} XXXX {$10000.00} XXXX {$2000.00}
Consumer complaint received 2018-04-14
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)

Hello, On XX/XX/2018, I received a phone call while outside the company on a vacation with my family. The caller stated that he was calling from XXXX XXXX and stated that we were referred to him by an individual to offer us business credit card for our business use. I was initially hesitant but agreed to proceed only if the card credit decision will be based solely on the business credit report. This was made very clear then I am asked for my social security number. I refused to give him my social security number and made it absolutely clear that I wouldn't continue when he asked for my SSN. 

I informed him that I don't want my credit to be used neither do I want to be personally linked to the credit decision. I informed him that I will not continue with process if my credit will be checked. He assured me that he can use only the business credit and then proceeded to ask for the business federal tax ID. I obliged and gave him the business information. I NEVER AGREED TO HAVE MY PERSONAL CREDIT CHECKED, INFACT, I REFUSED THAT REQUEST. To my surprise, I received a letter from XXXX XXXX addressed personally to me stating that I was denied credit card because of my credit report. What! I called XXXX XXXX and all they can say is that they will remove the point from my credit report. 

I am beyond furious for the invasion of privacy.
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC (CO)

THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. MACHOL AND JOHANNES, XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent 3 copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved one copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak XXXX well, and will start using my old incorrect name when they learn I've had a legal name change.
Consumer complaint received 2020-11-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, it's been over 60 days later and I haven't received a response yet. I feel as if I've been taken advantage of and being ignored of my disputes. Section611 ( a ) states that a failure to investigate these items within 30 days gives just cause to immediately remove those items from my credit report. it has been over 60 days and those items need to be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX Data Breach and that may have gotten in the wrong person 's hands
Consumer complaint received 2020-01-30
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. (NJ)

XX/XX/XXXX, ( XXXX XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX/XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( XXXX Creditor : XXXX XXXX  ), ( Original Creditor : XXXX XXXXI ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2020-01-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (IL)

XX/XX/XXXX- I took the forbearance option because the payments that Sallie Mae demanded got out of control XX/XX/XXXX- they did a financial check of me and my co-signer. It was determined that we did not make enough money to keep a roof over our heads and be able to pay what they were requesting. We told them how much we could afford, but they still refused to go down and only went to {$800.00}, which we determined there was no way we could afford. 

XX/XX/XXXX-XX/XX/XXXX- tried writing letters dm requesting written communication to figure out payment plans. They would not respond and they still will not work with me. Now I am at risk of default because they are refusing to help me.
Consumer complaint received 2023-01-03
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. (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.

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX 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 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.