davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that Experian is in multiple violations and XXXX entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( 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 number of punitive damages as the court may allow. I did not initiate any of the inquriy from XXXX XXXX  that is showing XX/XX/XXXX and XX/XX/XXXX, furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2023-05-24
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 have been disputing this account on my credit reports for a few months now to no avail.This account was removed and then placed back onto my credit report. I have sent a reinvestigation letter, letter to the collection agency as well as method of verification and factual dispute. The date of last activity continues to be updated while in the dispute process.
Consumer complaint received 2016-09-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coastline Financial Resources, LLC (TN)

I received a call from ( XXXX ) XXXX telling me I was being served with papers would I be home. I demanded information from the lady that called and she told me to call Coastline at XXXX, ask for legal department and use reference number XXXX. I looked up the number and determined this is a scam on this website XXXX XXXX I gave them no information and do not plan on calling them back. I was sure this was a scam but now I know that it is.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In my most recent Transunion Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Transunion to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.
Consumer complaint received 2023-05-22
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: National Credit Systems,Inc. (FL)

I am writing to report a critical issue regarding my credit profile, which has been compromised due to identity theft. National Credit System ( NCS ) has reported damaging information regarding a {$1200.00} debt that I am wrongly associated with. Despite my efforts, NCS and XXXX XXXX XXXX XXXX XXXX have failed to provide any supporting documents or address the situation adequately. 

Attached to this letter, you will find a police report confirming that I, XXXX XXXX XXXX XXXX, have never resided in XXXX, Florida, where the alleged lease was established. This evidence, coupled with the lack of supporting documentation, undeniably proves that this incident is a case of identity theft, not a legitimate debt. 

I urge the Consumer Financial Protection Bureau to promptly rectify this matter by removing the inaccurate information from my credit report. This fraudulent debt is jeopardizing my ability to purchase an investment property in a timely manner, and its presence on my profile has severe financial implications. 

Furthermore, I request a thorough investigation into who these individuals are who have comitted this fraudulent charge. National Credit System and XXXX XXXX XXXX XXXX XXXX  have yet to provide any documents such as lease or ID. i provided a police report which also says that i have no ties to anywhere even remotely close to XXXX Florida. By holding these entities accountable, you will not only safeguard the integrity of your credit reporting process but also protect innocent individuals from the detrimental effects of identity theft. 

Thank you for your attention to this matter and for your swift action in resolving it. I have confidence in the Consumer Financial Protection Bureau 's commitment to fair and accurate credit reporting. 

Please contact me if any additional information or documentation is required to assist in resolving this issue. Your understanding and cooperation are greatly appreciated.
Consumer complaint received 2023-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I XXXX XXXX XXXX XXXX XXXX widow whom lost her 35 years marriage partner with covid in XXXX, whom been financially broken since the loss of my husband my life partner whom basically handled all of our finances for 35 years and our mortgage payments asking this lender ( Rushmore Loan Management ) to stop the sale on XX/XX/XXXX, I have submitted everything to them since last week, they keep telling me I need to wait for my specialist XXXX XXXX to review the documents for the last week and she been out since last week and no one in loss mitigation is helping me and I have given them everything needed and not needed and over for a week already and I have emails confirming receipts of my documents, please help me stop the sale. XXXX XXXX widow and have no other place to live please, they harassed during the whole process by asking me for documents not even needed for the modification such as tax returns for the contributor my nephew who isn't on title, but he helps me financially, we even send that too, they are terrible mortgage company, have no structure and no compassion. please help me it urgent to stop the sale of my home I was referred to you by XXXX from XXXX they also have a case open Cas # XXXX thank you and XXXX bless, my call back is XXXX. please save my home, This is the only one home left in my name since my husband XXXX now Rushmore has a sale date on my home this upcoming XX/XX/XXXX, Rushmore is conducting unethical lending practice in the state of California and this type of misconduct will lead to unnecessary legal actions that will only cost unnecessary costs to both parties. Rushmore needs to abide by the law and ethics of this practice if they want to continue service loans in the state of California period. I contacted XXXX today and they advised me there is many outstanding consumer complaints against Rushmore Loan management for the same type of concerns and lawsuits brought against Rushmore as well. I hope that I wont need to bring a lawsuit to save my home. Please am elderly and a widow and XXXX too so please revise the decision and offer me an affordable workout plan.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST NATIONAL BANK OF OMAHA (NE)

XXXX at XXXX XXXX Bank in XXXX, Nebraska XXXX offered a rate match for our mortgage verbally. I sent all documentation to him as requested, including the rate documentation from our credit union. Three weeks later, after many inquires of rate locks he told me they are now unable to match the rate. We are now at risk of not having a mortgage at the closing of our new home.
Consumer complaint received 2023-05-22
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All XXXX credit bureaus, XXXX, XXXX, and TransUnion are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.
Consumer complaint received 2023-05-24
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. (IL)

I recently received a copy of my TransUnion consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX Account # : XXXX Dates Of Late Payments : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; UPDATE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT TO ( CHANGE AS AGREEDED ) or ( OK ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (WV)

Credit Bureaus failed to address score factor, which resulted in approving personal loan, credit card applications. Insist on reporting accounts as adverse or maybe considered negative. Inconsistency in credit scores. No justification received. Credit bureau data input does not warrant accounts being reported as adverse/considered negative. 
See attached for additional information.
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Trust Management LLC (FL)

The debt collector does not identify himself as a licensed or authorized debt collector. He identify himself as XXXX and the company who is working for, is ; XXXX, XXXX with address at : XXXX, XXXX, Florida XXXX with phone number : XXXX. This company acquired my debt of {$500.00} from XXXX. Because I did n't reach a payment agreement with XXXX XXXX he breached my online privacy and took personal information from my system ( names and phone numbers of friends, relatives and clients ) and he is calling every one of them to talk about my debt and leaving me message with them and recommended everybody to call me and talk to me about my debt obligation.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (PA)

Inaccurate Information dispute Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Pa XXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, GA XXXX XXXX : XXXX / XXXX XXXX XXXX / XXXX, TX XXXX To Whom it may concern, I've recently obtained a copy of my credit report From all three major Credit Bureaus ( XXXX, XXXX XXXX XXXX ) in an attempt to understand my credit report and increase my credit worthiness. In the process Ive noticed A few Accounts that are reporting inconsistent on all three credit bureaus. It is your duty to protect my consumer rights by ensuring all information is consistent and most importantly reporting accurately. The inaccurate accounts are as followed : Account Name : XXXX Account Number : XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

Account Name : XXXX XXXX XXXX Account XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

Account Name : AARGON AGNCY Account XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

I have attached a copy of my credit report from XXXX, XXXX and XXXX to provide proof of all inaccuracies. Please Send your response to my address listed above. Thank You! 

Signed : XXXX XXXX
Consumer complaint received 2023-05-24
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: ALLY FINANCIAL INC. (NC)

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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX XXXX, Account name : Ally Financial, Account name : XXXX  XXXX, Account name : Credit Name : XXXX XXXX : Credit Name : XXXX XXXX XXXX  : Credit Name : XXXX XXXX XXXX Nmae : XXXX : Credit Name : XXXX XXXX, Credit XXXX XXXX XXXX, Credit Name XXXX XXXX XXXX, Credit Name ; XXXX XXXX XXXX XXXX, Credit Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Credit Name : XXXX XXXX XXXX Credi Name :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-22
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. (GA)

I want to file this please as my formal complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I have a judgment against me on an account that is with Portfolio Recovery. I have been working with Portfolio Recovery for 10 months paying off several accounts that are with them. I have worked with them and I do not understand how it is possible that no communication happened regarding this account at the time i made payment arrangements on what I assumed to be all accounts in the possession of Portfolio Recovery. I am not a criminal nor a scam artist and yet I am treated as such by a company i have been working in good faith with, and this judgment comes as a huge shock and huge stress. I work full time, am a single mother of XXXX and having this hover over me while also continuing payments on accounts with Portfolio Recovery has me furious. Please let me know where to go from here, how to proceed, or at least how i can get this account also paid which was and still is my ultimate goal. 
Thank you
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Sir or Ma'am : In XXXX of 2022, we had a scheduled transaction series canceled without warning or explanation. This was set up to go from my personal account to our joint account. It has been doing this for years. Importantly, USAA says that ONLY the customer can cancel a transfer. They offer no explanation as to how this happened. 

We restarted the series. It did not go well. Somehow, starting the series results in a magical counter series. From XXXX to XXXX, {$2000.00} went into the joint account and then {$2000.00} came right back out. In each instance, we canceled the errant series and confirmed that it was canceled in the system ( i.e. not showing as pending transfers ). The next month it would pop back up. 

We contacted USAA after canceling the errant series the fourth time and USAA confirmed the problem. It was canceled on the consumer side but not on their side. Well, that is the problem. To date, many months later, USAA still can not confirm that the series undoing our actual recurring transfer is ended. It's impossible. 

In the last instance, this caused an overdraft. That incurred fees we would like refunded, particularly after USAA confirmed that canceling the errant series on our end was indeed NOT working. 

Instead of doing so, USAA has resorted to petty gaslighting and outright mendacity. 

According to USAA, for three months in a row, we set up the transfer we wanted and then immediately undid the transfer. Apparently, we are so unmoored from reality, that on the third instance, we did it and DELIBERATELY caused an overdraft on our own accounts. Worse, when reporting this, we were apparently trying to make sure it happened a fourth time rather than have the problem with the uncancelable transfer stopped. 

No amount of communication appears to have any effect whatsoever. 

Customers are apparently just moving money to an account for a day and then taking it back out for no other reason that to be mean to the bank. These guys are absurd.