davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The four major credit bureaus, XXXX, TransUnion, XXXX, and XXXX are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX  in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.
Consumer complaint received 2018-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Frauding scams frauding my XXXX and XXXX and XXXX documents in XXXX PA shown fraud scams in XX/XX/XXXX time frame using log cabin XXXX XXXX Then others frauded my XXXX familys documents with XXXX XXXX None of those documents are from Pennsylvania state None live in Pennsylvania. State of any of these years Last time I was in Pennsylvania state was XX/XX/XXXX time frame But I went to XXXX high school in XX/XX/XXXX for 9 months before moving back to XXXX Indiana Indiana Others put in XXXX Pennsylvania frauding my XXXX Indiana high documents Federal not interested in Pennsylvania state and federal refuse any date offers from Pennsylvania state and won't marry into the state..

Pennsylvania state didn't own new York state one health department of XXXX XXXX XXXX from new York state of my birth father, Pennsylvania state doesn't own my XXXX county Indiana birth certificate attached to XXXX Indiana Indiana serial numbered documents of superior court of XXXX county Indiana, Pennsylvania state don't own my family 's XXXX serial numbered documents of XXXX Indiana attached to my grandma documents of prior home deed and marriage and divorce serial documents Frauding scams frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania state is not the owner of my grandma grandma or mom 's documents of XXXX death record and my great great grandparents have never lived in Pennsylvania state. 

Frauding scams using death record of XXXX XXXX married to XXXX XXXX sir name of XXXX a XXXX Indiana corners record and there last home which they owned was in XXXX AZ, but both barried in XXXX Indiana serial numbered grave and as serial numbered corners records.. private furnal..
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I applied for the XXXX card by American Express. I applied as the card was offering a XXXX membership rewards bonus points signup offer after completing {$5000.00} in spend within 90 days. I received my card and completed the spend on XX/XX/XXXX, before the 90 day cutoff to complete said spend. I called in to the customer service line in XX/XX/XXXX to  confirm that I had met the minimum spend and to check when the bonus points would post. A representative confirmed that I had met the spend, I was eligible for the bonus offer of XXXX membership rewards bonus points and that they would post after my next statement posted. After my XX/XX/XXXX billing statement posted, I called back in to customer service on XX/XX/XXXX at XXXX PST to speak with customer service. I reiterated that I was told that these bonus points would post after my most recent statement posted. This rep confirmed that she saw the XXXX membership rewards bonus points offer, that I had met the spend and that I was eligible. She they stated that the points take 6-8 weeks to post. I called back to customer service on XX/XX/XXXX at XXXX PST and inquired about the signup bonus of XXXX points I was due to receive. This representative stated that I was not eligible as I previously held the XXXX card. I explained to her that in the terms and conditions of the offer, it did not state this as an exclusion. I also re-stated the offer code I used to sign up and nowhere in the terms and conditions it stated that previous card holders were ineligible. American Express is using deceptive advertising and marketing practices to lure customers to sign up for credit cards, promising a signup bonus and then fabricating an excuse to not pay out the sign up bonus to customers. I would like American Express to honor the terms of this sign up offer.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX a large sum of money was taken out of my account. The sum of {$4500.00} was deplete from my account. This was done in the California area. I discovered this the next day which was XX/XX/XXXX - I then went to the bank ( Bank of America ) and reported the fraud - the associate helped me to put a claim in. I also reported the fraud to my local police department which is in XXXX XXXX, Florida where I reside. I closed all my old accounts and open new ones with the bank in case my information was still out there. I have sent all the necessary information to Bank of America for the past two months trying to get my money back. I keep getting denial from the bank. They claim I gave some one my pin number which is impossible. I have bank with company for the past twenty plus years - In the past I have tried to withdraw money from my account and was told I have reached my limit withdrawal and then was notified by the bank. I have never been to California and I do not know anyone there. It was puzzling to know that amount could be taken out with a red flag alert to BOA. I am very disturb about the security of my money. Please advice me what other steps to take to get my money. 

Thank you for your consideration on the matter.
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JH Portfolio Debt Equities, LLC (GA)

JH Portfolio Debt Equities showed up on my credit report claiming I owe them {$3500.00} on an acct opened XX/XX/XXXX. I do not know who they are. I have never signed a contract with them. I, as a XXXX senior citizen living on social security am signed up with XXXX, a nonprofit law firm that helps people like myself. I forwarded the information to XXXX and they sent a letter to JH Portfolio on XX/XX/XXXX telling them that I was poor, elderly and lived on exempt funds. In response, the next thing my caregiver noticed on my credit report was that JH Portfolio said I disputed the debt but it was verified according to FDCRA. What nonexistent dispute did they verify? Very untruthful people, I still don't know why they claim I owe them money. Anyone and everyone who contacts me about finances gets referred to XXXX, for years now. So, if JH Portfolio allegedly bought a financial transaction acct about me the information about my exempt social security status should have been in the paperwork. ( See attached paperwork from XXXX with notification to businesses to let folks know you can not squeeze blood from a turnip.Now they are threatening litigation which is only to exacerbate my health problems.and cause XXXX XXXX ( sp? ) I may be poor, elderly, XXXX and even uneducated, but I will not be a victim of their unethical behavior. I have voted in every presidential election for the last 40 years, and I know that as a United States senior citizen, I have protection under the laws of this great country.
Consumer complaint received 2018-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc. (LA)

On XX/XX/XXXX Southern Credit Recovery received and SIGNED the return receipt mail ( dispute ) that I sent to them. On XX/XX/XXXX I obtained a copy of my credit profile and noticed they did NOT COMPLY with Fair Debt Reporting Act Section 623 ( a ) ( 3 ) and Section 807 ( 8 ) by not placing a dispute remark on the credit profile to the 3 credit bureaus. A well as they did NOT VALIDATE or VERIFY this debt. They did NOT send me a signed contract or anything that shows I am obligated to pay for this alleged debt, which is NOT mine. 
Enclosed : front and back of certified mail with their signiture showing receipt and a print out of my credit profile showing it was not placed for dispute in the amount of time given.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of specific accounts from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The details of the accounts in question are as follows : Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I originally filed a CFPB COMPLAINT # XXXX Stating the following : " Inquiries that I did authorize currently appear on my Equifax credit report. These include the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These should be removed immediately. '' Equifax responded to my dispute stating " XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZED PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. Inquiry : XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZED PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. Inquiry : XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. '' I informed Equifax that these inquiries resulted from fraud. EQUIFAX has failed to comply with the Fair Credit Reporting Act ( FCRA ).

THESE INQUIRIES SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

This is my second complaint on this matter. Please be advised that if this matter is not resolved soon, I will be forced to take legal action against Equifax.

Please refer to Fair Credit Reporting Act ( FCRA ), Section 623.

The data furnisher must NOT report inaccurate information, which EQUIFAX is currently doing.

Also, a " federal government identity theft report '' was attached to the previous complaint which was disregarded by Equifax. 

Lastly, I can prove Equifax did not do its proper due diligence, because one of the companies to who the inquiry belongs, sent me a letter informing me that they concluded the application was a result of fraud, and will be working with credit bureaus to remove any false information, This conflicts with Equifax statement that the inquiries are " FACTUAL '' I will be attaching that letter to this complaint as well. Thank you.
Consumer complaint received 2018-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

My mortgage is serviced by Rushmore Loan Management. Rushmore has been servicing my loan since XX/XX/XXXX and overcharges me every month. As of XX/XX/XXXX, the fraudulent charges from Rushmore reached {$43000.00}. My past due interest is {$94000.00}, unpaid escrow is {$21000.00}, and no past due principal. Totaling {$110000.00}. These figures are from a Rushmore payoff Statement and are consistent with the terms of my loan. However, Rushmore 's XX/XX/XXXX monthly statement states that as of XX/XX/XXXX, my total overdue is {$150000.00}. 
The overcharges stem from Rushmore multiple mistakes and fraudulent acts : 1 ) Overstating the past due amounts incurred before my loan was sold and Rushmore became the servicer. These overstatements are from XX/XX/XXXX - XX/XX/XXXX and total {$12000.00}. 2 ) Rushmore is collecting for a past escrow deficiency of {$21000.00}. This is legitimate. Rushmore bills me at least {$2300.00} each month to recoup this amount. When I do not pay it, Rushmore adds {$2300.00} to my past due amount. That is NOT correct. The past due amount of {$21000.00} remains unchanged and does not grow each month. This overcharge for 9 months is {$21000.00}. 3 ) I do not know what the remainder of the overcharge is. 
I have raised these issue with Rushmore multiple times and they do not address it and don't appear to have the competence to figure out that their systems are making mistakes. Rushmore 's gross $ XXXX overstatement of my past due charges has harmed my ability to be fairly considered for a loan modification. And Rushmore is reporting the overstated charges to the credit agencies, hurting my credit more than it deserves. 
I hired Consumer Arbitration Services to Help me after no success on my own, but XXXX XXXX XXXX is a fraudulent firm. 
A foreclosure sale has been scheduled for XX/XX/XXXX. Even if CFPB can't stop the sale, I need help so that Rushmore stops overcharging me and not giving me a fair shot at a loan modification. 
Also, XXXX XXXX XXXX XXXX  XXXX needs to be disbarred and put out of business.
Consumer complaint received 2018-02-18
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. (AZ)

To whom it may concern, On XXXX of 2016 XXXX XXXX XXXXe reported my monthly payment as being late. I called XXXX XXXX the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from XXXX XXXX as I always did, therefore I did make the payment on time due to their negligence on sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with XXXX XXXX there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then XXXX XXXX should have that information on file, this individual admitted that XXXX XXXX did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) XXXX XXXX Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and XXXX XXXX has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. XXXX XXXX is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved. 

Thank you. 

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled. 

I would like to have the late noticed removed from all of my Credit Reports I  will also be filing with the Attorney General 's office
Consumer complaint received 2018-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a card theft, somebody stooled my card number and they been taking a lot of money from my account, arount 18000 dollars, I check my statement every month approx. and I found this a few months ago, I made the claim four times now with no good result, they just say that I still the money my self and of course not, I already made a police report but they just says that I have to wait for a investigator to investigate my case and I paid another investigator already to help me with no success yet so am just keep looking for help and am desperate don't know what to do, I know my account has a rob protection but they just denied the credit and they says that I have to find and show them evidence to prove that am not the one took the money so they will give me my money back, but how I can do that nobody helps my I hope am on the success way with you ...
Consumer complaint received 2018-02-17
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: Duvera Billing Services, LLC (CA)

Numerous times I have contacted both the collection company and the credit reporting agencies that incorrectly report this account that is clearly identity theft. I have never chosen to do business with this company and when I called them to report the identity theft as most collection companies do, they laughed it off. 

As required by the FCRA and identity theft laws This account should be reported as identity theft and removed immediately from all credit bureaus and less the company can miraculously provide definitive proof the count to belongs to me. 

I have been falsely threatened and accused by this debt collection company less threatened to tell coworkers or file legal action that could result in criminal prosecution. 

As stated before I am the victim of identity theft and not the criminal in this company should be XXXX XXXX from such actions against victims.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

To whom it may concern, On XXXX of 2016 Wells Fargo Mortgage reported my monthly payment as being late. I called Wells Fargo the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from Wells Fargo as I always did, therefore I did make the payment on time due to their negligence on  sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with Wells Fargo there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then Wells Fargo should have that information on file, this individual admitted that Wells Fargo did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) Wells Fargo Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and Wells Fargo has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. Wells Fargo is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved.

Thank you.

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled.

I would like to have the late noticed removed from all of my Credit Reports I  will also be filing with the Attorney General 's office
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like XXXX XXXX. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (FL)

I had an outstanding debt that I owed to XXXX XXXX XXXX for a total amount of {$180.00}, the outstanding debt was sent to a collection agency by the name of LJ Ross. After many harassing phone calls I set up a payment with this company to settle my debt. On the date of XX/XX/XXXX LJ Ross withdrew the total amount of my debt of {$180.00} which was previously agreed on. About 5 days after the transaction i checked my credit report and saw my score had gone up due to LJ Ross changing the status of my account to closed and paid in full. Today XX/XX/XXXX I checked my credit report only to see that my score had changed significantly due to LJ Ross adding a new account in collections for the same debt that I had previously paid off. The collection agency of LJ Ross is attempting to collect again on a debt that was previously paid.