davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

Mortgage was sold by XXXXRushmore to XXXX prior to first payment being due. Received welcome letter and first invoice from XXXX for first mortgage payment due XX/XX/XXXX. First payment made on time to XXXX. Meanwhile, XXXXRushmore Loan Servicing Collections Department began calling. Total of 4 calls received with 3 messages left on XX/XX/XXXX, XXXX and XX/XX/XXXX. Return calls to Rushmore were made each time, however unable to reach anyone due to office being closed, or transferred multiple times without speaking with anyone and eventually gave up and hung up each time. The last call on XX/XX/XXXX from Rushmore, asked the rep to speak with my daughter, I am elderly and she was difficult to understand. The rep kept asking to verify my phone number, which we both know she did not have because my daughter has been handling things. I had my daughter on speakerphone, and admittedly we were both annoyed and upset with this reo. When she finally discussed this mortgage that is no longer with them, she insisted they still had the mortgage until XX/XX/XXXX and said Rushmore needed to be paid. When it was explained to her that the transfer paperwork had already been received by XXXX and that the payment had already been made to them, she said the loan would be transferred on XX/XX/XXXX indicating that the first payment had not been paid!!! This of course infuriated me and my daughter. It was obvious the rep kept putting us on mute, but never put us on hold to check with a manager about the validity of what she was saying. Besides, the payment, if it had still been with Rushmore, it would not have even been past due. The next day on XX/XX/XXXX, Rushmore 's notice to transfer was received. It stated payment was still to be paid to them since they had the loan until XX/XX/XXXX ... .so, why did it take until XX/XX/XXXX to get Rushmore 's notice of transfer, and why was XXXX XXXX notice and 1st billing received in XXXX stating to pay them? Please note that after the 3rd call, an email was sent to XXXX loan department copying the loan officer and loan processor, explaining the apparent issue, however there was no response from them. I believe Rushmore is in the wrong here, and I do not want them reporting my payment late. I did what I was supposed to by acknowledging XXXX notice and paid them on time. Rushmore, late to the party, trying to collect additional funds on a loan they have already sold to XXXX is just wrong.
Consumer complaint received 2019-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

I was fraudulently sent emails from a clients email address with fraudulent wire transfer information. The transfer originated at XXXX Bank and was wired to PNC/National City Bank in XXXX OHIO to the criminals account. XXXX attempted to retrieve the funds but PNC said the recipient refused to refund the stolen money and would not provide any further information about their client. I notified local law enforcement, the FBI and PNC in XXXX. I have since saw online that the scammer is continuing to use the same account at the same bank under the same name to steal from other consumers. The bank should be held accountable for my loss and others as a direct result of the bank permitting and harboring criminal activity.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I applied for a bloomingdales card in order to purchase a gift. I purchased an item at the store using a credit card authorization provided on site. 

I never received the card or any bills until after the payment date had passed already. Prior to this I used the automated phone service to pay off the amount. A few weeks later I received a call that the payment was not made. I immediately paid it in full and asked that late fees and interest charges be reversed. And, the agent on the phone assured me that all fees and interest would be reversed. 

Now a month later I received a bill for {$110.00} in interest charges despite their assurances. I called a few times and each time was placed on a forever hold. 

They also purposefully play static and horrible hold music to discourage people from fighting fraudulent interest charges.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (FL)

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 Account number : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-11-18
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. (TX)

I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2020-11-25
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: SYNCHRONY FINANCIAL (FL)

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiries on my credit report per XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (CA)

I obtained a loan from Synchrony. 
I pay it monthly, but the problem is, if the due date falls on a Saturday, and the only option they allow is mail in or call in payment, if I call on a Saturday, the automated phone system does not work, and when I call back on Monday, I get assessed a late fee. 
This happened to me once. 
To avoid this I called and requested that they withdraw monthly from my checking account to avoid paying late fees and they refused over the phone, said I needed to submit a written request, which I did, through certified mail, on XX/XX/2020. 
To this day, the request has not been put through. Every month I believe the request has been submitted, and each month I receive a call indicating that the payment is late and a late fee will be assessed. That request was submitted via USPS, certified mail, and I have proof it was sent to : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I need for the late fees to be reversed, for the automatic payment to be put through and for these to be corrected in my credit report. 
Thank you,
Consumer complaint received 2024-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

I paid a final electric bill to NV energy and last month Aargon agency posted a collection account under my name for the same amount. I have contacted them several times letting them know XXXX XXXX states they never sent my file to collections but it has not been removed even after I disputed it with XXXX. I did receive a copy of the deletion letter they say they sent to the bureaus but not change has been made
Consumer complaint received 2022-10-01
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX Balance {$660.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-05-12
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. (FL)

SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

The PayPal has banned/limited my Paypal account XXXX XX/XX/2022 they don't even give me a notification that my account will be banned.I have a XXXX funds to collect from them.They should explain what happened to my Paypal account.They should restore or lift the banned/limitation to my account so that I can continue my on going transactions.Thanks hope to here from your response the soonest PayPal account XXXX XXXX
Consumer complaint received 2020-11-18
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. (SC)

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the Equifax data breach and believe some of my accounts were compromised.
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (RI)

This was the worse company I have ever worked with. It took over 2 months to refinance my home mortgage. I complained many times and never got a call back from any manager. I had to do a lot of work myself that I was paying for the company to do like getting the pay off amount from the bank and the final tax bill from the town. I asked my loan processor and originator for a phone number to call and complain and I never got one. I was not given information about the closing either. I had to ask how the money was going to be sent to the company and only after I asked was I told about the wiring requirement.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (TX)

On XX/XX/2020 I received a Reliacard debit card from US Bank that I did not request. I tried contacting US Bank to cancel the card, but was placed on hold and was unable to speak to a live representative.
Consumer complaint received 2023-03-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX  selected Capital One to be their new affiliated credit card. The old master card was shut off the end of XXXX and the new Capital one card was to be used. I called Capital One because I could not log in to pay my bill as I never received the new credit card. I was told my balance was XXXX which I paid. I requested another card as I had never received the first one. I received the second card on XX/XX/XXXX and logged into my account, it showed transactions against a card ending in XXXX which was the card I never received. It also showed my previous statement balance was XXXX and I had previously paid XXXX a difference of XXXX owed back to me. It also showed a charge of {$480.00} as a XXXX on XX/XX/XXXX. I called to find out what this charge was and was given the run around, after talking to a representative, her supervisor and someone in the fraud department, I was able to get them to place the charge in dispute. All other charges listed the actual vendor which I was able to recognize, but this purchase of {$480.00} they could not tell me who the vendor was. My concern is how do they arbitrarily place a significant charge on my card without knowing what that charge is for. Also overcharging me on the payoff of the previous months billing.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (VA)

XXXX received check from XXXX XXXX XXXX ( XXXX ) for XXXX for final payment of work performed on house. Check was made out to me, my wife, and XXXX XXXX. 
XXXX All the parties endorsed the check and it was mailed to Ally. 
XXXX Ally contact my wife to inform her they would NOT be accepting the check. 
XXXX XXXX informed us they couldn't reissue a check due to Ally negotiating the check. XXXX provided proof of negotiated check. 
Multiple phone calls from Ally stating they are sending either my wife and I a check or the insurance company. 
XXXX -received check from ALLY for XXXX made out to my wife and I and XXXX from ALLY. ( NOT THE INSURANCE CHECK ) XXXX wife took check to truist who has REFUSED TO ENDORSE THE NEW CHECK and has informed me they didn't need to be on the check. 
XXXX Ally wants me to send their check back so they can cancel it. Then reissue the check to the insurance company so they can send me a check for the amount AGAIN. 



We are currently still out {$21000.00} and are being yanked around by Ally bank.
Consumer complaint received 2023-02-21
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. (TX)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2021-09-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

To Whom It May Concern, The reason for my complaint. There were two unauthorized accounts opened under my name : a savings account and a checking account. When I realized I was a victim of identity theft, I contacted Wells Fargo Bank on XX/XX/2021. I opened a Identity Theft Report with the Federal Trade Commission, following their instruction, I contacted Wells Fargo asking them to immediately close the accounts and provide me with a letter exempting me from any responsibilities or charges inquired by the accounts. As of today, Wells Fargo has yet to close the accounts nor provide me with the letter although they told me the investigation was complete, in my favor and they were going to send me the letter stating I was exempt from any charges.
Consumer complaint received 2023-02-16
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. (GA)

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  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : N/A Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-02-20
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-16
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. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.