davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX inquiried about my credit on or about XX/XX/2018 without my permission. I authorized this dealership to submit a XXXX credit application only. XXXX XXXX XXXX inquiry was suppose to be a soft inquiry but shows as a hard inquiry. I notified XXXX XXXX XXXX of the error and their finance manager provided the attached email for clarification. I tried to attempt to dispute this inquiry on Experian website but there was no option to do so.
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. the compliant number was XXXX The company responded on XX/XX/XXXX and the response is attached to this complaint. However an important attachment cited in the response is not included and thus I deem the response incomplete. I need to see the copy of the check XXXX front and back ). Dovenmuehle should also disclose where this check was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. 

Additionally our new servicer XXXX XXXX loans have informed us no such analysis was included in the documents they received. 

I wish to have a copy of the escrow analysis they said they completed and a reason for why they believed there was an overage in the account given at this point no property taxes had been paid out and thus any disbursement would leave the account short. this shortfall has created ramifications in the mortgage payments and was never authorized by me.
Consumer complaint received 2022-09-08
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)

XXXX XXXX XXXX XXXX  XXXX i believe this company violated code 15 USC 1692c section B. 
communication violation. 
this company is also reporting on my credit every month as a collection.every month it is noted as a C for collection, when it is a collection they are not supposed to mark on the month notes.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IL)

I was the victim of identity theft in XXXX 2017. I have called XXXX XXXX XXXX XXXX and XXXX XXXX to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. Sadly, I have not heard back from XXXX of the companies above in reference to this or how they are going to remove from my credit report?
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NC)

Hunter Warfield was not my oringinal collection agency it was XXXX XXXX   which means XXXX XXXX wrote off my debt in their tax return and the contract was canceled with XXXX XXXX and I shouldnt owe Hunter Warfield anything. I spoke with Hunter Warfield twice to reduce the amount to pay because with the negative payment on my credit I am unable to quailfy for another house. The customer service representative only reduced it by {$50.00} dollars.
Consumer complaint received 2022-08-10
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 2017-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HERITAGE CREDIT LLC (TN)

The company First Heritage Company, garnished my wages at my previous employment for a period 6 months. The garnishment was satisfied and I got the account removed from my credit report. They are attempting to re-garnishment my wages, without properly notifying me nor sending me any sort of statement of what is owed if the balance was not satisfied. This company is located in XXXX, Tennessee. I have located the county clerk office who will be giving me a copy of my garnishment paperwork showing the judgment has been satisfied.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Credit score lowered XXXX points due to credit union report error. Loan was paid in full, and not reported as paid. This resulted in two late payments. Loan amount was paid in full XX/XX/2023. Late payments issued for XXXX and XXXX of 2023 after the loan should have been paid in full. Disputed with Equifax once with no change.
Consumer complaint received 2017-09-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

I have purchased my vehicle in XX/XX/XXXX and financed it through XXXX XXXX XXXX. In XXXX of XXXX, I have completely paid off my loan. Since I did not get my title after paying off the loan, I contacted Hyundai in XX/XX/XXXX and asked to release my lien with XXXX XXXX and send me a letter confirming that my loan is paid off. I did not get any confirmation letter. 
At the end of XX/XX/XXXX I have decided to sell my car and contacted XXXX XXXX department to get my title. At that time I have discovered that the lien on my vehicle is still not released. After 5 calls to Hyundai and almost 9 month after paying off my loan, I still can not get my title. XXXX XXXX does not accept paper proof that I was able to get from Hyundai that my loan is paid off and Hyundai is failing to release my lien electronically. 

Please help.
Consumer complaint received 2019-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I received a form letter from Citi Bank by XXXX delivery, dated XX/XX/2019. I received this letter mid XXXX. The letter, I hope I can attach for you, states I must respond to the demand on the letter before XXXXXXXX XXXX,2019 or my accounts could or would be blocked or closed. I went into my local branch, which is Citibank XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
I made appointment with him for XX/XX/2019. He told me they would need a copy of my trust as this was required for a trust name on account. 
I asked at the appointed date and time what this was all about and he said it was new Federal mandates or laws. I have not heard of any new federal laws, nor has another bank I have, asked for this type of information from me. he said they were looking for money laundering etc. Not sure what that has to do with my small bank account as I only keep low amount of money in this checking. He did ask me how much money I had in the account. He has that information at his fingertips. 
He took my trust and made copies of several pages of my trust and then wanted my drivers license to make a copy of it also. He then wanted to know the name of the law firm that drew up my trust. I gave him the name and he googled it for their phone number. I told the XXXX this seemed like a complete invasion of my rights and privacy and he agreed it was but that was all. Then he made a call to someone and said he had to go to back room to get a email from some office. He came back to me and said they required more questions answered and I became alarmed. 
He asked what my income was and I said thats none of your business and that was all the questions I was answering. I felt like a criminal as he was treating me like a police officer would question a criminal. I got up to leave and he said your accounts will or could be frozen and if I had auto pay pulls, those would not be filled.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

My wife received a phone call from a restricted number at XXXX XXXX then another at XXXX XXXX so she answered. She advised the gentleman that she was my wife, and we had called Friday to get assistance with payment as she lost her job due to covid 19. No empathy he kept asking if she could make payment after she advised him numerous times why she couldnt and what had happened again no empathy she had to tell him she used to be a collector and that it wasnt okay how he was treating her. She said 2 times shed have me call after I got off work at XXXX for a deferment. He then again asked if Id be paying the balance due, she again had to tell him the situation. As a collector they have to call from a number you can call them back on thats also a law and theyre calling from resticted numbers. This is the 2nd time we had this issue with the company. We tried getting it defered on time and on friday they told me they couldnt help me or collect payment on my account. I sent them a message and they stated they had a cease and desist on the account I asked to remove it and someone call me to help with deferment. Never received a call. Until collections calls today.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IL)

I recently pulled my credit report to find that XXXX XXXX was listed as a collection with all 3 bureaus. I havent any paper work I received a phone call a few months ago but they could verify the information after that I didnt receive any information from this company regarding any balance owed. Ive tried to dispute previously with no response I emailed them hoping for a response. I do believe this is a fraudulent activity nonetheless
Consumer complaint received 2021-09-04
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: ACIMA CREDIT, LLC (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my account without any notice or reach out. 2 weeks after closure and after notifying me that they would not accept any direct deposits to the closed account, a direct deposit that wasnt able to be changed was sent from my payroll provider to the closed account and accepted by Bank of America. They have refused to provide access to these funds and have provided no resolution on how to get these funds outside of telling me to wait 30 business days to receive a cashiers check in the mail 5-10 business days later to get access to my own funds that they illegally accepted after closure of my account.
Consumer complaint received 2022-09-08
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. (IL)

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX Violations Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (FL)

I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. Security Credit Serv now owns them and when i tried to prove to them and XXXX  and XXXX  with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
Consumer complaint received 2021-01-31
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)

since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, XXXX  and TransUnion credit bureaus, they tell me something different non sense. please help me to sort this out.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG HOLDINGS INC (FL)

I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and XXXX and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/ 2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and Equifax and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

I have attached a letter. This issue has not been addressed. I never received any goods or services I was promised when I made payments and cash app nor the recipients would XXXX a refund. Cash app or any ombudsman has contacted me after reaching out to them with email.
Consumer complaint received 2019-05-11
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: Experian Information Solutions Inc. (TX)

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. 
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. After sending in multiple disputes experian is refusing to verify or remove these inquiries ( below ). 

1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-31
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: FULTON FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX FULTON BANK NATIONAL ASSOCIATION FULTON BANK XXXX XXXX XXXX XXXX XXXX, NJ XXXX CHECKING ACCOUNT # XXXX OPEN XXXX {$380.00} XXXX CHECKING ACCOUNT # XXXX CLOSE XXXX {$370.00} XXXX DEBIT CARD VISA # XXXX XXXX XXXX XXXX IRREGULARITIES IN THIS BANK : 1- Fulton Bank Statements mention my account as a PRIMAY ACCOUNT. I AM UNAWARE if there is a SECUNDARY ACCOUNT or OTHER FRAUDULENT ACCOUNTS IN MY NAME. I just opened the Account ABOVE. 
2- In the Bank Statements , my Bank Account Number is not mentioned fully. 
3- Fulton Bank did not want to provide me the 2019 FORM 1099-INT.

Due to after moving from this bank to another state bank, I continue to be harrassed in the same way as in New Jersey, ( I suspect Fulton Bank sent MY UNDER INVESTIGATION STATUS ), the consequences OF FULTON BANK FRAUDULENT GOSSIPS HAS CAUSED ME THE FOLLOWING : I have lost a big amount of money moving from state to state ; lost a big amount of money selling my properties immediately after I purchase them ; I am being rejected socially due to people believe I am a criminal or I am crazy ; I have been harassed, I strongly suspect by bank under cover officers. Lies ( that I am a criminal or that I am crazy ), are being spread to my neighbors, church members, employers, singles groups etc. I have been fired from several jobs without any valid reason, and I have been rejected, CONTRADICTORILY, one day after I have been hired VERBALLY. My car have been vandalized ; My personal homes have also been broken into. When I reported it to the Police I was told no one is harassing me, no one is vandalizing my properties, and that I am crazy. The police minimize the problem justifying the police officers, or ignoring at all my complaints. ANY LAWYER WANTS TO SEE MY CASE. XXXX, emails, and cellular phone have been hacked and impersonated bothering my friends and me. 

- Cashiers Check from previous bank is attached ( XXXX XXXX XXXX XXXX ) - Closing transaction is attached. 
- Cashiers check closing account is attached. 
- Bank CLOSING statement is attached.
Consumer complaint received 2017-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Back in XX/XX/XXXX I submitted a letter to Midland Credit Management at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to verify a debt they were attempting to collect. I received a letter back from them in XX/XX/XXXX stating that they did not have enough information to verify the debt and that they would remove the information from my credit file and would no longer contact me.
In XX/XX/XXXX I received another demand letter for payment, on the EXACT same account they verified they would close. I called XXXX and spoke with a XXXX XXXX, an office manager, today XX/XX/XXXX who informed that the account should have been closed. This is harassment.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am unable to obtain my credit report or dispute items online with Transunion. I have called time and time and no one can seem to help me. They continue to refer me to XXXX and guess what? I ca n't get my report online there either. Calling the customer service numbers is just as equally frustrating as it is obvious that the call centers are offshored to XXXX and I have a HUGE issue with that. Not only can I not understand them, anytime they are forced to work offscript, the customer service reps can no longer help. This industry is the most outdated, unreliable, and draconian of industries that I have ever had to deal with. Unlike our judicial system where one is presumed innocent until proven guilty, the credit reporting industry is the opposite. Guilty and you must prove yourself innocent. So much reliance is placed on credit in the United States and yet the system is BROKEN!!! Not only that, outsourced to countries that probably do n't even know what the concept of credit is!!
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I opened an American Express XXXX XXXX XXXX XXXX in XXXX and met the spending requirement to receive {$200.00} in statement credit. This never arrived, and it has been over 6 months. I have spoken to over 10 different representatives on the phone and online, but nobody has an answer. An " investigation '' was open but they seem to say that to everyone. No representative has the details, and are unable to answer any questions with detail.