davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
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. (GA)

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 55 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to wrongful reporting of accounts on my credit profile. These Reporting bureaus are breaking FCRA laws. Also after further research i found out my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (IL)

IQ DATA INTERNATIONAL INC/ [ collection company ] /XXXX XXXX [ 7k plus ] : Credit Bureaus : XXXX XXXX I've removed this from my credit, on 2 Separate occasions, with lawyers working on my behalf. I have supporting documents, Which proves the 'JUDGE ', indicated the debt is false. THEIR 'LAWYERS ' WERE PRESENT AND AGREED TO THESE TERMS! 
[ The document signed and initialed XXXX dollars ' owed ] This have prevented me, from providing my family with Shelter. Please help me with this occurring FALSE Debt.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Alorica Inc. (MO)

The account in question was for a personal loan that was held by XXXX XXXX XXXX. While I was deployed on XXXX XXXX XXXX sold the account to SST in XXXX of 2019. I was deployed from XXXX of 2019 to XXXX of 2019. For the first 5 months that SST held my account they made zero contact attempts. They marked my payments as late without even confirming any details with me. I made attempts to contact XXXX when I had the time during that deployment but XXXX was not able to assist me as the account was not theirs anymore. I made several attempts to call SST but I was never able to reach them. I finally got ahold of someone from SST upon returning stateside. They had charged me the late fees and marked payments late for XXXX XXXX. I have provided both XXXX and SST copies of my statement of service verifying my service and my DD-214 that verifies me even further with no resolution. Though I do not have a copy of my deployment orders for that specific deployment in 2019, I did offer to reach out the command at my old unit to attempt to get those orders. However, SST told me that my military service meant nothing and that those orders will not be sufficient in proving that it was their fault I could not make a payment.
Consumer complaint received 2021-01-16
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: ID Analytics, Inc. (OH)

I would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX SS XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX LOT XXXX, XXXX XXXX, OH XXXX
Consumer complaint received 2019-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

I have written to Rushmore Loan Management Services because they changed the terms of my loan when it transferred to them, which their website states they will not do. 
I am writing to dispute the late fees that I am being charged. My loan was transferred from XXXX in XXXX of 2017 where late fees were not a part of the terms. The Rushmore website states that the terms of your loan, when transferred to Rushmore, will remain the same. Initially the XXXX terms were honored but after the first few months after a false loan modification increasing my payment did not stand, suddenly I began being charged late fees. I pay my mortgage after the XXXX of each month because, as a senior citizen, that is when I receive my social security check. This was never a problem with XXXX. Rushmore not only began charging me late fees which was a departure from the terms of XXXX, but also began sending me letters stating that I was in default and threatening foreclosure before the month during which my payment was due had even ended. 
When I told the last representative about the illegitimate late fees being charged to my account, I was advised that a letter to the company was all that was needed to clear this up. I have written to the company previously but received no response. Here is the information on their website : https : //www.rushmorelm.com/faq/ Generally, the terms of your loan will not change as a result of a transfer of servicing. Rushmore will honor the terms of your loan that were in place with your prior servicer, including any existing repayment plan or loan modification to which you agreed with your prior servicer. Contact Customer Care toll-free at XXXX Monday Thursday from XXXX XXXX  to XXXX XXXX  and Friday XXXX XXXX to XXXX XXXX ( all times PT ) if you have questions. 

I believe I am being discriminated against if late fees are charged to my account. I would like this corrected and the late fees removed. 
Thank you, XXXX XXXX loan # XXXX
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

I am outraged at the subpar level of service provided by this financial institution. I have had a hard time dealing with the merchant directly to recover my funds and I thought that the banking institution would assist. The banking institution keeps insisting to hold me liable for a negative balance including funds theyre allowing the merchant to steal. I understand the merchant policy non-reschedulable, non-refundable, etc. HOWEVER, I went to my scheduled appointment and the merchant does acknowledge that I did not receive what I paid for! I am not paying for funds that you have allowed to be stolen, and youre being complicit in that theft. I am further not paying for a maintenance fee on an account that I can no longer use even when my balance is cleared. I will pay {$100.00}, no more that that figure to clear my balance and wash my hands of your disgusting service. I will also move to file a small claim for the amount that youre now complicit in allowing theft to occur. Please consider this your notice of intent to file suit. I will pay the {$100.00} I am offering to clear this balance in full when I receive a phone call acknowledging and accepting this amount of money to resolve the balance in full.
Consumer complaint received 2021-06-23
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. (MD)

I filed a ftc report on XX/XX/XXXX but there is still one account that Equifax have not removed which is XXXX/XXXX. There are also a few inquires that I do not recongize on my report from XXXX  XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-03-22
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: CCS Financial Services, Inc. (AL)

Creditor can not verify the account belongs to me. I have no knowledge of this account. I asked the company to verify the debt they can not which is stated in previous investigation.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX I made a payment of {$290.00} on My CapitalOne Card. Usually the payment is posted and available within minutes. I use this card with XXXX pay on my phone. After several days of no available credit. I called customer service. I was told my funds would be held for 26 days. I asked why, I was told CapitalOne has the right to hold payments at any time for any amount of time per Federal credit card guidelines. I asked again what did I do wrong. They could not give me an answer. My money is being held XXXX. Because of this I have incurred overdraft charges in my bank account. I feel like I have been singled out for some reason. Also, approximately a month prior to this I made another payment for {$130.00}. The second I clicked ok for the payment a XXXX block popped up and said your account is locked. I called customer service. They needed to verify that it was me making the payments. I have used the same account for every payment I had to spend 2 hours on a three-way call with Capitoline and my bank.
Consumer complaint received 2023-03-22
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. (ND)

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 : XXXXXXXX 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 XXXXXXXX, 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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (SC)

National Credit Systems are reporting inaccurate information on my credit report and it is hurting my score, not only that it is hurting my reputation with my employer and financial obligations. This item that is being reported shouldnt be as a payment was sent to the original creditor in XXXX of 2022 in the amount of {$3300.00}. The original creditor sent the payment back and refused to apply the moneys owed. I spoke with the GM of XXXX XXXX and was advised that they would revise the return of the payment and apply it to the balance owed. The money was sent from XXXX XXXX XXXX XXXX it was for rental assistance, in which the company was obligated to apply. I thought this issue was handled until I started to receive multiple calls and voicemails a day from National Credit. They had repeatedly contacted me more than 3 times a day and leaving voicemails each time, in which is a violation of my consumer rights. This matter needs to be handled immediately, as I am not able to find a house because this inaccurate information is reporting on my credit report. I am also unable to accept a promotion at my job, which would greatly help my financial status because this inaccurate information being reported. As a payment has already been sent to the original creditor. If this isnt resolved immediately I will seek and obtain legal representation, and take both National Credit Systems and XXXX XXXX  to court.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My son 's account is linked to mine he was sent 2 checks online and did not know they where fraudulent. On XXXX, In large amounts. The bank allowed all the money to go to a person via XXXX that we have No idea who it was, the verynext day, then took all my sons money and now is charging him for those checks and the XXXX  that they allowed to go out on a fraudulent check. 
The bank fixed it then took the money back, fixed it again, then took it back again a month later, then took our back Again a month later. They did this a three times. Now are revising to fix it, I have called so many times. I have all the letters and copies of the checks and XXXX. This has been going on, trying to fix it for months and now they refuse, when it it there fault to let money go out to a random pertain via XXXX, on a bad check.
Consumer complaint received 2024-12-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (GA)

I am writing to report a case of identity theft and fraud involving my Social Security number. Recently, I discovered that someone had opened a phone account in my name without my authorization. 

Type of incident : Identity theft and fraud Account information : Phone account opened in my name without my permission. 
Actions Taken : Filed a police report with [ XXXX XXXX Police Department ] [ XX/XX/2024 ] ( Report # : [ XXXX ] Contactedthe credit bureaus Request for Assistance : 1.Investigating this incident and taking appropriate action against [ TrueAccord ] for their role in allowing this identity theft to occur. 
2.Providing guidance on how to clear my credit report of this fraudulent activity. 

Relevant Codes and Laws : 18 U.S.C. 1028 : Identity Theft and Assumption Deterrence Act 15 U.S.C. 1681 : Fair Credit Reporting Act FTC Guidelines on Identity Theft I have no knowledge of any contacts in my name from this company. Neither do I owe anyone money from a contract
Consumer complaint received 2023-03-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (DC)

Ive been trying to transfer my money out ( declined with no explanation one month ago and ignored my inquires 3 weeks ago ) and then close my account ( also ignored my communications over a week ago even though their site says they will reply in 2 days ). They will not let you close over the phone- automated system says due to security reasons. I have never been able to talk to someone.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been 6 months sending paid in full balance letters from XXXX XXXX XXXX XXXX, XXXX XXXX   / XXXX XXXX and XXXX XXXX XXXX in order for Experian and XXXX credit bureaus to remove and delete permanently these accounts from my credit report. XXXX deleted and removed these account since XX/XX/2019. It is impossible and completely unfair that experian and XX/XX/XXXX received the same letters and the same information and these accounts still showed on my credit report. I am going to attached the credit reports from XX/XX/XXXX on XXXX and the one on XX/XX/2019 in order to demonstrate how these accounts were deleted and removed permanently. I am still disputing and waiting for XX/XX/XXXX and experian to removed and deleted these accounts, these should had be done the same date that XX/XX/XXXX delete and removed them completely, I even have a membership with Experian and XX/XX/XXXX in order to be constantly disputing and sending the same documents via fax, mail, email, I have register on this 2 companies website Experian and XX/XX/XXXX and I even upload the same letter into their web site. How much money do I have to waste in order to get this issue resolved. I even register with XXXX XXXX credit repair services it has been unsuccessful
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BANKRUPTCY
Consumer complaint received 2023-03-22
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX
Consumer complaint received 2023-03-22
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-22
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. (MI)

XX/XX/2022, I contacted the compay to advise I was impacted by COVID ( owner of business died and my son 's father lost his job as a result. I lost income and was responsible for all bills ). I asked for my options to pause payments and requested a payment pause. In XXXX, I was able to resume payments and found my loan was 120 days past due. When my auto lease was due to be turned in, I was shown my credit score, which was severely impacted by missed payments on my student loans. I contacted the company and made payments. I was told I was only due for XXXX, which is not XXXX due and should not have been marked late prior to XXXX. Additionally, the company sent me text messages saying they are processing a Repayment Discharge. I feel XXXX 's practices are confusing, as when I make payments, I am unable to see how they are being applied since they split the total into 2 loans. Therefore, when they mark a payment late for credit reporting, it's 2 separate tradelines with negative reporting for the same payment, which is more negative to consumers. The confusing and misleading information communicated by XXXX is harmful to consumers and has had a huge, negative impact on my credit and ability to secure affordable borrow terms on future credit transactions.
Consumer complaint received 2023-03-22
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 account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX Account # XXXX, and Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account # XXXX, have 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, no 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-22
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. (TX)

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2022-02-18
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. (FL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.