davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (OR)

They closed my credit card account DURING A PANDEMIC. I had wrote them telling them I was experiencing financial hardship ( my unemployment didnt come in for MONTHS from their backlog in new accounts everywhere ) and they basically said too bad and they couldnt do anything then they give me pandemic assistance and allow me to skip payments for 6 months but keep my account closed. I missed only two XXXX  payments. This was XX/XX/2020 I tried to initially talk to them and STILL they wont reopen it. Its so embarrassing to have that on my credit report for TWO missed payment. Come one.
Consumer complaint received 2023-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

LVNV and XXXX XXXXXXXX XXXX  contacted me last year regarding a debit thats not owed to them. I asked them for a signed contract and please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor, date of last activity, my full, complete, and correct social security number that may help to identify me as the correct person you are trying to collect from, agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor and obligation between them and I that allows them to collect on the alleged debt and any transactions between their company that binds me to an agreement to pay their company any money that they claim I own and all they sent was a bill.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

Convergent Outsourcing has placed a debt on my credit reports on behalf of XXXX. I have never signed an agreement with Convergent Outsourcing stating that I would paid a debt to them on behalf of XXXX. I have not agreed to pay XXXX for any of their services or opening an account in my name. For I do not recall coming into agreement with Convergent Outsourcing or XXXX for any account or services. 

It appears the amount owed for this debt that does not belong to me is {$750.00} with a partial account number XXXX reporting on the credit bureaus. 

At this time it is my legal request to have both Convergent Outsourcing and XXXX to dismiss and close out this debt and remove it from all 3 credit bureaus and their database.
Consumer complaint received 2021-04-28
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)

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Consumer complaint received 2022-11-18
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX

account number ending in XXXX XXXX XXXX  balance {$990.00} has violated my rights. 
account number ending in XXXXXXXX XXXX XXXXXXXX balance {$920.00} has violated my rights. 
account number ending in XXXXXXXX XXXX balance {$0.00} has violated my rights. 
account number ending in XXXXXXXX XXXX balance {$0.00} has violated my rights. 
account number ending in XXXX XXXX XXXX balance {$2000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$36000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX balance {$600.00} has violated my rights. 
account number ending in XXXX XXXX  balance {$1000.00} has violated my rights. 
account number ending in XXXX XXXX balance {$250.00} has violated my rights. 
account number ending in XXXX XXXX {$450.00} has violated my rights. 
account number ending in XXXX XXXX {$460.00} has violated my rights. 
15 U.S.C. 1681 Section 602A I have the right to privacy.

15 U.S.C, 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-28
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. (IL)

I did not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX with Amex whom I currently have a card with. I applied for the XXXX gold card, to which they said my application is declined. I called in puzzled as to why for them to lie and tell me the reasons for declination is " I have a XXXX credit score, and a history of delinquencies. '' I know this was absolutely false, I'm on top of my credit and even subscribe to XXXX and my XXXX. My XXXX score is XXXX, my XXXX  score is XXXX, and my XXXX  is XXXX. I've never had a late payment or collections in my life. So I faxed over copies of said credit reports downloaded from XXXX and faxed it over same day of the application to prove they're lying. I called today on XX/XX/XXXX to confirm the status of the application since I didn't receive the follow up call I was promised to confirm if they received my fax or not to be told even though I submitted concrete proof from the credit bureaus that their information was completely false they were going with their false information and declining my application. The most hilarious part of all of this is even within their own application they offer a free credit report and score that reflects my credit bureau reports of a XXXX score with no delinquencies ever, nothing in collections nada. So where they're pulling this completely false information from is beyond me. They won't even look at the fax I sent over proving their information is incorrect.
Consumer complaint received 2023-06-26
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. (AR)

Back in XXXX I reach out to your office and I complained about the falsified information on my credit report that was being reported that has caused me countless amounts of pain and suffering due to the XXXX increase in the denials of credit based upon the information being reported concerning my student loans being late I contacted the student loans Representatives have confirmed constantly continuously times that my student loans has never been late however since my complaint I received a response back from TransUnion saying that they have fixed the dispute in information was verified as accurate which is totally falsified information once again
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore Loan Servicing paid the wrong property taxes for my property in XXXX of XXXX, accoding to XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX  they returned the check as they noted it was for the wrong parcel and for the wrong amount. Rushmore never took any action to contact myself or the township to ensure the property taxes were paid. 

On XX/XX/XXXX I was notified that the taxes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was late and that it needed to be paid prior to XX/XX/XXXX or the house would go into a tax sale. 

I contacted Rushmore on XX/XX/XXXX they stated they would have it rectified in 10 business days. 

I contacted Rushmore tax dept ( XXXX ) again on XX/XX/XXXX they stated that I needed to check back the next week and it still hadn't been completed. 

I called Rushmore again on XX/XX/XXXX after seeing that the taxes were still not paid on my onilne account. The rep " escalated it '' and stated that it would be handled by XX/XX/XXXX. 

I caled Rushmore for the fouth time today on XX/XX/XXXX and the rep again in the tax department stated it was unpaid and that the taxes were still not paid. 


At this point my property is most likely going to a tax sale, due to a complete lack of execution for a company that has three jobs, collect my money, pay my insurance and pay my taxes. Furthermore, this should have been rectified in XXXX of XXXX when the tax check they sent was returned to them. 

Their info is included below for your records. 

XXXX XXXX Rushmore Loan Management Services LLCXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Financial Inc. (OH)

This is a loan or a card I never had ownership of they had me with two cards I only had ownership of one and the account i had ia closed but the other one I do not have access to I need it taken care of and off my credit report ita not mine
Consumer complaint received 2022-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Control, LLC (GA)

Reference number XXXX. I received a written communication in the mails from Credit Control , LLC on XX/XX/2022. Pursuant to 15 USC 1692c, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any alleged debt. Also, on the communication, Credit Control , LLC failed to state that it was attempting to collect a debt which is a violation of 15 USC 1692e.
Consumer complaint received 2021-04-28
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. (CA)

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Consumer complaint received 2023-03-21
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. (AL)

In accordance with the Fair Credit Reporting Act, the following companies/creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written authorization /instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX of 2020 I recieved a credit card from Bank of America. I had a credit card with them that I had not used on a while and they sent me this new credit card that stated it would give me cash back rewards and a 0 percent interest rate for 15 pay cycles on my purchases. I paid for some things for my house with the credit card and noticed on my bill this month that I was being charged for interest. I called Bank of America and was told that I didn't qualify for the 0 percent interest rate because they just converted the account I already had with them over to this cash back credit card. I never requested to be converted, they just did it and sent me this credit card with misleading terms. I had a late fee that they wouldnt even consider waiving after I told them I forgot to make my payment due to things going on. I guess I wasn't specific enough about the issues I was dealing with.
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (CO)

Received a collections notice from Linebarger Goggan Blair & Sampson, LLP in the mail on XX/XX/21 stating 3 unpaid parking citations. When I called on XX/XX/21, they informed me there was not just 3, but now 4 citations, even though the notice only included 3. The collections notice includes citations for a vehicle and license plate number I've never owned or had registered to me. I called to inform them they have incorrect data and was hung up on 3 times. On the 4th call, I finally wasn't hung up on and explained they're attempting to collect a debt which is not mine, which is a violation of the fair debt collections practices act as I've never had the car or license plate number for the cited vehicle. They informed me they were going to continue pursuit of collections anyway.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (TX)

Dear Sir/Madam, I am writing to you personally to address the matter of a debt collection by LTD Financial Services in the amount of {$150.00}, which is alleged to be owed by me. After careful investigation, I have determined that I am not liable for this debt. 

I find it necessary to bring to your attention that I have previously sent a letter outlining my position and disputing the debt to LTD Financial Services. Additionally, I explicitly requested a response by email. However, to date, I have not received any verification of the debt or a response from their organization regarding the contents of my letter. I saw the collections on my credit wise report and immediately filed a dispute with XXXX. That is currently in process. 

As the first of XXXX roommates to check out of the college apartment complex in question, I want to emphasize that I diligently signed the move-out documentation, clearly stating my non-involvement in any damage to the common areas. Moreover, I have meticulously recorded and preserved images of my personal room from the day I moved out, providing conclusive evidence that it was left in a perfect condition. 

It is essential to note that the apartment complex did not notify me of any damage to the common areas during my move-out. Therefore, the issue of damage was not communicated to me, and I am not responsible for its resolution. 

Based on these undeniable facts, it is evident that the debt being pursued is not applicable to me. I kindly request that you assist in these collection efforts against me. 

Thank you for your prompt attention to this matter. 

Please see the following pictures for proof of no damage. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

On Saturday, XX/XX/2023 I was making a Delta Airlines booking. At the point of payment, I was offered a signing bonus of XXXX miles plus {$400.00} credit if I spent {$2000.00} with 3 or 6 months AND a {$400.00} credit toward a Delta flight if I booked one within 6 months if I applied for their AmEx Delta SkyMiles Gold credit card. I signed up for this card. As I hit submit to purchase this, the system did not take the payment. I then received an email that gave me access to my card number with a temporary CVV code. I went back to the Delta website and booked my flight. 
I called AmEx on Monday, XX/XX/2023 and asked when my credit was going to be posted. After their review, they said that I was not eligible for the offer and that I received a pop-up saying that I was not eligible for the offer and if I wanted to continue. They said that I clicked yes to this. There is NO way that I would have signed up for this without the bonus as I was expecting this to pay for my flight to Kansas. I would have just put it on another card. We went back and forth and it turned into a he-said, she-said event. 
AmEx offered my a card with certain bonuses that were not given to me. This was basically a bait and switch. I would like AmEx to fulfill the bonus that I signed up for. 
I made sure to take a screenshot of offer as I have heard companies trying to deny that an offer was ever made or that the offer is less than was is published.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have made several attempts with the credit reporting agencies on the fraudulent accounts and inquiries listed on my consumer report. I have no business with the accounts nor have I signed anything or consented to any.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I saw some inquiries on my credit report I have a fraud alert but did not receive any information that someone pulled my credit I have not done business with these companies and I did not give anyone authorization to pull my credit
Consumer complaint received 2020-12-20
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.