davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

My complaint # XXXX against Rushmore Loan Management LLP CLOSED/ RESPONSE FROM COMPANY The company deflected my direct and specified complaint that their affiliate XXXX XXXX XXXXXXXX XXXX XXXXXXXX have engaged in threats, intimidation and have abused their power with retaliations, suppression of my targeted identity theft, attempts to " sanction '' me, victim for showing cause of contempt of CFPB, the verification of countywide loan fraud schemes of over {$300000.00} USD from my lawful property, without any permission of authority to do such. 

Defamations, intimidations and attempts to sanction a victim of financial crimes organized and facilitated by any licensed company is violations of FTC and shows systematic retaliation of " witness/victim '' who is protected by the CFPB efforts under financial crime laws, not to be downplayed by actors of fraudulent malpractices. 

Rushmore Loan Management LLP committed financial crimes and do not have any lawful authority to have dispersed any loans out of my property as sole owner, per orders and reports directly to their company that I have been verified to have been repeatedly victimized under identity theft, wire fraud crimes, that have been suppressed to protect perpetrator that has been unlawfully and fraudulently filed for " loans '' against property without any reasonable authority to do such. 

Rushmore Loan Management LLP has refused to follow protocols filed and refused to fund restitution as prescribed by orders filed by CFPB, XX/XX/22. 

In lieu of relief, Rushmore Loan Management has aided law firm with the suppression of loan documents, have engaged in threats, intimidation and have abused their power with retaliations, suppression of my targeted identity theft, attempts to " sanction '' me, victim for showing cause of contempt of CFPB, the verification of countywide loan fraud schemes of over {$300000.00} USD from my lawful property, without any permission of authority to do such. 

I have supplied CFPB with threats directly from the parties involved and any threats, intimidation and retaliation to victim of loan fraud identity fraud scheme is directly contempt of CFPB orders, as consent and injunctive relief, plus stalling my restitution is obstructive of CFPB orders filed XX/XX/22. 

I have sought relief that CFPB and XXXX XXXX/RUSHMORE LOAN MANAGEMENT have denied with enthusiasm to harm victim after the fact and accessory after the fact. 

All motives to fraud must cease to direct violations of CFPB.
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CT)

On XX/XX/2022 I fell Victim to what I have now discovered to be know as Browser Scareware from a tech support scammer XXXX XXXX XXXX XXXX. I was advised by a pop up message from XXXXXXXX XXXX XXXX XXXX  that my bank account was compromised and to call XXXXXXXX XXXX XXXX  to discuss how to protect my account I did call the number and was told that my account was at risk and that I should wire transfer the funds to a U.S. Federal Reserve System Wallet Account to be opened in my name until the Bank 's Fraud Dept. could run a trace and discover who they say was embezzling from my savings acct. 
I complied and Wire Transferred the amount they gave me ( {$100000.00} ) to XXXX XXXX XXXX XXXX XXXX XXXX. That bank then deposited the funds into an account the scammers set up, using my XXXX Driver 's License as ID and an email address they set up at XXXX The account # 's and ID was changed by the scammers moments after the funds hit the account at Coinbase , Inc . 
I reported this to my local police dept., their detective division, the FBI, FDIC, Federal Trade Commission, XXXX XXXX, IRS, DMV, Social Security, Senators XXXX XXXX XXXX and Congressman XXXX. To Date nothing has been done to help me recover and prevent this from happening again. The FDIC has investigated thoroughly and suggested I contact you. I have all of the documents, phone # 's used by the scammers to provide you in your efforts. I am hoping that Coinbase , Inc. will do the right thing and talk to you and hopefully me to resolve this situation. Thank you
Consumer complaint received 2022-10-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXXredit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
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: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX made. And XXXX sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate Information.
Consumer complaint received 2023-04-19
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. (TX)

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 XXXXt # XXXX has violated my rights. ( XXXX ) Account name : XXXX XXXX XXXX  Account # XXXX has violated my rights ( XXXX ) Account name : XXXX Account XXXX XXXX has violated my rights ( XXXX, Equifax, XXXX ) Account name : XXXX XXXX Account # XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX Account XXXX XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX XXXX Account # XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX XXXX  Account # XXXX has violated my rights ( XXXX, XXXX ) Account name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights ( XXXX ) Account name : XXXX XXXXXXXX Account # XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX Account # XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX XXXX Account XXXX XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX XXXX Account # XXXX has violated my rights ( XXXX ) Account name : XXXX XXXX Account # XXXX has violated my rights ( XXXX, Equifax, XXXX ) Account name : XXXX XXXX XXXX Account # XXXX has violated my rights ( XXXX, Equifax, XXXX ) Account Name : XXXXXXXX XXXX Account # XXXX has violated my rights ( Equifax, XXXX ) Account name : XXXXXXXX XXXX XXXX Account # XXXX has violated my rights ( Equifax ) 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 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 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 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I reviewed my Credit Report I noticed that there is still DEPTEDXXXX XXXXXXXX that is reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

As astra put a collection on my credit reports on XX/XX/XXXX the debt was signed with XXXX XXXX  on XX/XX/XXXX and was due on XXXX XXXX, please look at timing between XX/XX/XXXX and day reported by ad astra on XX/XX/XXXX during covid. XXXX XXXX any other payday loan companys do not assign a debt to collection for months because they have late pay charges and ACH On bank account which they run through the bank for months before giving up on the debt, I can make XXXX XXXX show there records to prove that in court. but let assume they did after XXXX months, again please look at timing between XXXX of XXXX and XXXX of XXXX when this debt reported to credit bureaus, by law they are responsible to send ar leat one if not XXXX maild notice to consumers and ask for validation of debt which at least a month to respond, first of all the address they had was not an home address it's a church address where I retrieve my mail, you can easily XXXX the address and see it XXXX XXXX XXXX XXXX, the church office was closed during covid 19 crisis and all mail delivery was suspended and even us postal service was delaying distribution of mail, nobody at that time was collecting debt of referring debt to collection because nation was in crisis and people ordered to stay home, and jobless, and I didn't receive no mail
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OH)

XXXX XXXX XXXX CREDIT CARD- PAYMENT ELECTRONICALLY SENT ON XX/XX/2022 STATED DUE DATE - AE DID NOT POST TILL XX/XX/2022 CAUSING SYSTEM GENERATED LATE FEE {$29.00} AND AN INTEREST CHARGE OF {$59.00} - ON CURRENT BILL WAS CHARGED AN ADDITIONAL INTEREST CHARGE OF $ XXXX ALL PREVIOUS AND CURRENT PAYMENTS MADE FROM XXXX BANK SENT ELECTRONICALLY ON DUE DATE. IN SEVERAL CONVERSATIONS WITH AE THEY WOULD CREDIT THE LATE FEE BUT DID NOT APPEAR ON CURRENT BILLING. 
XXXX XXXX XXXX ACCOUNT ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (PA)

I sign up with XXXX XXXX XXXX back in XX/XX/XXXX. XXXX. I paid with credit card for a year in amount of {$460.00}. I was advised by representative I CAN cancel anytime. So next day I found something more suitable for me, so I cancel my policy on XX/XX/2022. XXXX told me they will send me a check in amount of {$410.00}, which they never did or at least I never received it. Also they withhold {$51.00} for canceling early. I was never told by representative about fees being involved. I did receive email with my policy and canceling policy, but after the fact and after I already submit the payment. I wish the representative would mentioned this before I mada a payment. I dispute the charge of {$51.00} with my credit card and after reviewing my credit card resolved the dispute and put a credit of {$51.00} on XX/XX/2022. Now XXXX demand {$460.00} by sending letters to me and calling me about paying them {$460.00}. I called on XX/XX/2022 and try to explain my situation. Then they told me XXXX send my info to debt collector. I received letter from debt collector Brown and Joseph, LLC on XX/XX/2022. I send email to debt collector on XX/XX/2022 but got no respond. I called them and try to explain, unfortunately only they were interested in my credit card information to pay a bill. They email me a bill with the balqnce of {$460.00}, but I own no debt to insurance company or debt collector. Instead I still waiting for my return for past 3 months, and continue to spending hours to resolve issue. Thank you
Consumer complaint received 2022-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax refuse to delete all negative items on my credit report XXXX XXXX XXXXXXXX and XXXX. Need to be removed immediately or will be suing for defamation. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature.
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XX/XX/year> CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : ( you do not need the full account number, you can use the exact account number as it is listed on your credit report, including the XXXX XXXX XXXX  ORIGINAL CREDITOR : Dear CREDITACPT, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I paid the full balance but company said I owed them {$0.00} which doesn't make sense when I paid my full balance. They did not contact me until I got a ping from my XXXX app saying score dropped and I looked and then called XXXX since its a Target Card. They claimed I did not when I asked why they did not contact me before saying remaining balance is due. Which caused them to say we sent you to collection so speak to that department. I was going around calling different people spent XXXX hours trying to figure out why I got into collection.