davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dividend Finance Inc. (CO)

The company is Dividend Finance. I sold my home which included a purchased solar system. Despite Dividend Finance being asked ( by me, the title company, and both seller 's and buyer 's Realtors ) for weeks to provide data to the title company for closing, they didn't respond until the day prior to closing. They demanded {$800.00} as a " transfer fee '' for the home buyer to assume the loan, despite this fee not being identified in the original purchase contract. To complete the sale of my home, I was forced to pay them the {$800.00}, despite numerous calls and emails to Dividend. 

Following closing, they are still refusing to complete the loan transfer. They now state they must be paid an additional {$6300.00} up front to complete the loan transfer. They will not provide info as to what this is for, a principal payment ultimately lowering the monthly payment, or something else. The home sale closed XX/XX/22, and today is XX/XX/22. The solar loan is still in limbo, and Dividend has now processed a withdrawl from my account for the monthly payment!
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MN)

I was on a Covid forbearance program with Mr Cooper Mortgage which ended XX/XX/2021. I was told that if still affected by Covid, my only option afterwards would be a loan modification. Also, that it would take 30 days and if approved I would not have to make a payment until a decision was made. I have applied for a loan modification on my other houses and have always been approved. I assumed it would be the case here but I was rejected on XX/XX/2021 and told they would be reporting me late for XXXX. Keep in mind, I applied in XXXX. The reason for the rejection was that the property is a rental not owner occupied. Thats one of the 1st questions they ask on a forbearance or modification application. Why would they string me out for that long? First of all, it took longer than 30 days and I was never told to make a payment in XXXX while I waited. 

This will negatively affect my credit and I am trying to avoid that. I just made XXXX payment in the amount of {$1100.00} in hope they will send a notice to the credit reporting bureaus or not report me negatively. I was told there is nothing they can do. I think this was a major misunderstanding ; I was not given the correct information and it just took too long to process my application
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (NJ)

I had 3 unauthorized transactions XXXX  for {$120.00} on XX/XX/2023, XXXX XXXX XX/XX/2023 {$100.00}, XXXX XXXX {$56.00} on XX/XX/2023. I reached out to cash app and they refused to provide me a refund or investigate the fraudulent claim.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CA)

I was informed by a collection company, Procollect , Inc, that I need to pay a debt of {$1900.00} for an apartment listed below : Apartment name : 09 XXXX  XXXX XXXX  XXXX  Apartment address : XXXX XXXX XXXX, XXXX, IA XXXX Management company : XXXX  XXXX  & XXXX, XXXX I do not own this apartment for any money. It is absolutely a mistake that may be caused by an identification information breach. Please remove the collection from my credit report at your earliest convenience.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Global Lending Services LLC (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2023-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

on the XXXX of XXXX 2023 i send cash through XXXX to my family member named XXXX XXXX, phone number XXXX. The money was taken out from my bank account but the receiver did not receive it. 

I contacted Cash App customer service and they told me that they can not locate the money. I asked for a refund and it was denied. After checking my CashApp, I see that the money was sent to Account number XXXX. The Identifier for refund refusal is # XXXX.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XX/XX/2021, I reached out to Portfolio Recovery regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to act. I requested validation from Portfolio Recovery on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received state something regard an electronic record, which I did not ask for nor did I receive to verify the debt, I asked for validation! I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 TRANSUNION took it upon themselves to remove my 4 year perfect history account from my credit report! This account is still active and SHOULD HAVE NEVER BEEN REMOVED! My score dropped. So TRANSUNION needs to do their jobs and fix this ASAP and make sure my score gets brought back to where it belongs. Account XXXX XXXX XXXX XXXX!
Consumer complaint received 2023-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

Dovenmuehle ( https : //www.dovenmuehle.com ) is my mortgage company since XXXX sold the mortgage to them in XXXX XXXX 
Since then, payments submitted electronically to Dovenmuehle are extremely difficult to be done. 
1 ) Dovenmuehle website is very confusing and any customer is not given a chance to change the bank account number/routing number any time when the customer finds an error. 
2 ) I have been submitting my mortgage payment for such reason with a Certified mail with a personal check from XXXXXXXX XXXX. I was loosing {$9.00} almost each time to mail my checks plus the money for printing checks. 
3 ) Since this is inconvenient, I decide to submit electronic payment to Dovenmuehle on XXXX XXXX XXXX.Re : Confirmation Details XXXX XXXX XXXX XXXX XXXX 
4 ) I had up to XX/XX/XXXX to submit a payment so I will not be late. 
5 ) On XX/XX/XXXX I called Dovenmuehle and ask why I can not correct my routing number saved at my account. 
6 ) Their Customer service agent told me that I can not do that, but rather I need to double submit another payment of {$2600.00} over the phone immediatly in order to not default my mortgage. 
7 ) I refused and stated that if my payment will not be debited, I will filed CFPB complaint, as it is the fault of Dovenmuehle, not my fault. 
8 ) As of today, XXXX my mortgage payment is still not debited from XXXX XXXX Dovenmuehle is keeping my wrong routing number, even I succeeded to change it online. 
9 ) I believe that Dovenmuehle is willfully doing so, so I will default my mortgage. 
10 ) For the Past 10 years I have not been late even ONCE on any of my mortgages!!! 
11 ) I am concern about the fact that Dovenmuehle do not notify me nor is debited my bank account for my current month of XXXX mortgage. This is wrong! 
12 ) I sent the following email to Dovenmuehle : Why still my mortgage is not debited. I need this completed tomorrow. Confirmation Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' 13 ) I received the following " Confirmation Success! We received your message Your message has been submitted and has been referred to the appropriate area for review. Confirmation Number XXXX ''
Consumer complaint received 2022-01-26
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. (MN)

On XX/XX/22 I applied for a home loan and discovered an old debt thats not mine. The status is closed but on my report it shows that there was a balance of {$8000.00}. I contacted XXXX XXXX XXXX and they have no record of me.
Consumer complaint received 2021-09-24
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: Experian Information Solutions Inc. (PA)

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

8. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

I would like a wet signature or some other type of verification information to state that these are my accounts.
Consumer complaint received 2021-09-24
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)

This is happening every other month. I have CREDIT FREEZE on my account which doesnt allow anubody pull inquireys off my XXXX or equifax reports. Well he we go again and again. They should be regulated by the government because their customer serive is in XXXX were our laws dont exist and tgere employess are so rude and ignorant. All there taught id to say no.
Consumer complaint received 2021-04-14
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. (TN)

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2021-09-24
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: Self Financial Inc. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Self Financial , Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been trying to get this removed from my credit report. i never received a loan deposit from XXXX in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I opened a checking account on XXXX XXXX, 2022 with Citi Bank. I had a previous account with them and they transferred the funds from the old account to this new one ( account number XXXX ). I withdrew funds from the account by debit card on XXXX, XXXX, XXXX and XXXX with no problem. Today ( XXXX ) I went to the ATM and found out the account has been de-activated. I called them today and they say they are investigating fraud and the funds will be given to me after 30 to 60 days. They have locked any debits or credits to the account. When I called them today, they hung up on me. 
I need my money and don't think they should be able to hold my money. If they want to close the account, they should close it and give me the money in it immediately. 
I need your help to get my money. 
Please help me. This account has had no suspicious activity. The previous account I had with them did have some questionable foreign activity and they use that as reason for locking this new account. 
Please, please help me get my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX New Citi account number XXXX Citi routing number XXXX my telephone number XXXX XXXX my email account : XXXX XXXX
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC. (SC)

AFNI rep XXXX stated that once I made a payment over the phone with a XXXX or XXXX that AFNI would send me a letter stating that my account with XXXX  would be removed from my credit report. He stated the letter would have the AFNI company logo and letter head. This conversation took place on Wednesday, XXXX XXXX at XXXX EST. 

The AFNI website clearly states that after I pay my debt, the account will not be removed from my credit report. This can be found at the following URL https : //www.afnicollections.comXXXX He then continued to insist that I give him a credit card to " start the process ''.
Consumer complaint received 2017-08-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Associates Loan Servicing LLC (CO)

XXXX XXXX, 2017 ATTENTION : FINANCIAL CONSUMER PROTECTION BUREAU First Associates U.S. Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : [ ACCT # XXXX ] ATTN : First Associates U.S Education Loan Servicing department LOAN DISCHARGE APPLICATION : SCHOOL CLOSURE XXXX : XXXX XXXX XXXX OF XXXX, TN Dear FIRST ASSOCIATES & FCPB, First and foremost, I would like to bring attention to an interaction on XX/XX/XXXX where a concern was placed regarding potential forgiveness on the aforementioned account. I was met with a very unprofessional response from XXXX who told me, You can let it go to collections if you want. Whether you pay this or not, it is business as usual. This was an unnecessary comment. Not only have I been paying my minimum, I have been paying more than the minimum on my loan for over a year. I have never been late on a payment. 
Secondly, I have been subject to a chain of predatory student lending. XXXX XXXX set up a business plan that pressured students into taking out high-cost private loans. Their method was to use in-house credit to meet gaps between the cost of tuition and the maximum federal student loan disbursement. 
In conjunction with unsatisfactory education, educators, equipment, and communication, I am requesting full acquittal of the account. 

Education was poor quality and was limited to partial demonstration of real world application. 
The educators were not equipped to teach the classes they were teaching for in majority cases. 
Equipment was outdated, running on older systems, including the need to save files to previous versions so compatibility issues did not occur. 
The institution promised a continuing education in game design upon completion of the XXXX XXXX program. Less than one month prior to the completion of the XXXX program, I was informed the school was no longer continuing that academic direction and dropped the classes they prepared me for. There were no alternative options provided to me for that academic plan of study.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX from XXXX XXXX called me. Offered to help me refinance and remove XXXX XXXX. I asked for mortgage rates, which she would not provide, asked for bank statements and tax return. I told her I did not want to do that without know what rates where, she said it depended on what financial proof I had. Reluctantly I provided bank statement and tax return. She never asked if she could run my credit report and she did. 
I saw it on my credit report and asked why, she exclaimed she had to, but I did not give authorization. XXXX XXXX  XXXX is what shows for inquiry. 
I do not believe its right for any institution to be able to run your credit without authoriztion. 
I was not eve sure if I was ready for a loan, sure I wanted one when rates where low. But not sure now, thats why I asked for the interest rates. This company is aggressive and I think they are just predators.
Consumer complaint received 2022-01-26
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: Exeter Finance, LLC. (GA)

I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.
Consumer complaint received 2022-10-07
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2021 I sent a certified letter ( XXXX ) to XXXX XXXX for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with XXXX where the practiced predatory loan practices in the XXXX of XXXX XXXX agreed to remove all loans from consumer credit reports.