davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NM)

Yes XXXX transferred my mom 's tip XXXX mortgage over to Rushmore because it was 8 months behind my mom put in with XXXX a modification for a loan they denied her because she didn't meet the minimum Financial criteria I told them that you guys wave the minimum Financial criteria to give her the loan but yet you won't weigh the minimum Financial criteria to help her modify the home XXXX gave her a modification so you guys can too and then they didn't even respond to me till 5 months later and then they said we're going to deny the modification because now you are over a year behind I said you guys have caused this situation to be over a year behind yourselves because after I told you guys about the minimum Financial criteria you chose to keep that application for four and a half months later they kept on harassing my mom my mom was bedroom she got put in a coma took her to the hospital for induce stress because these people would call her at the hospital at the house send her letters every day and she was crying to them I want to keep my house but they just wouldn't help her after she passed away I told them my mom passed away they said sorry for your loss and then in XXXX I gave them a check for {$35000.00} and change they sent it back to me and said this was not a certified check and they're not going to accept it it was an XXXX XXXX check it had numbers on the bottom certification numbers guarantee and payment of this check I told them that there's nothing in the contract stating we can't write checks because we written checks before what is the issue they gave no response they just sent the check back with a little note saying this must be a payoff but you have to send a certified funds so they they refuse my payment and we haven't really talked since then you know you know for them to refuse a {$35000.00} payment sent it back to me obviously it tells me they don't want the money and then XXXX is trying to foreclose right now but they don't list Rushmore is a plane if either so XXXX is saying one thing to the judge XXXX is saying another and nothing is making sense they shouldn't even happen in the first place they should accept it the {$35000.00} check and we wouldn't be in this situation it doesn't have to be certified funds it does not stay in the rules it has to be certified funds we sent checks before they're just doing that to make a bigger commission so when the house were closes they make a bigger profit I told them I would start from the beginning if they avoid all the past due payments I would pay everything current they said nope so this is where
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

As of XX/XX/, and continuing, XXXX, XXXX, and Experian have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, XXXX, Experian, and XXXX do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for me.
Consumer complaint received 2023-02-09
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. (SC)

I filed my first XXXX XXXX breach settlement in 2019 each time the code I save to my contacts end up missing out contacts, my address magically disappears and slightly changes, the phone numbers Ive been sending in proof for the past 4 years never get updated, Ive put in countless days, hours, time even away from my kids traveling from city to city locally getting things printed out just for them to say they never received my proof with my Drivers License Social Security Cards Birth Certificates handwritten statements on whats fraud and wrong I always get a letter back saying they need the same information I already sent a total of 28 times just to this company alone. First class requiring a signature all of that and they tell me they still dont get me and kids information. Ive sent over {$5000.00} alone on just traveling back and forth to different agencies getting print outs, the cost to print copies not just for them for other creditors such as XXXX XXXX EXPERIAN XXXX XXXX XXXX, and like 6 other creditors, sending proof of false information tO DMV DHHS STATE ATTORNEY GENERAL OFFICE IN REGARDS TO MEDICAL DATA BREACHES ON ME AND MY KIDS INFO AND THE IRS, the gas,. The permanent mental damages emotionally and severe XXXX copies of bank statements copies from fraud student loans I never receive any settlement and Ive had 4 different claim numbers due to remotely somehow them being deleted or taking out my home. All behind someone spoofing and framing me for debt thats not mine. Ive reached out multiple times never get a response back.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

First of all, thank you for the work you do. You are all invaluable and underappreciated. 
When I started repaying my loans around XX/XX/2014 after graduating university, I was not aware of Income Based Repayment. Only after I have maxed out all my credit cards ( about XXXX dollars added on top of what I already owed ), and when I had no means of paying the over XXXX a month I was being charged, did I find out about income based repayment. My credit will take a couple of years ( about 2 ) to recover ( that 's because I 'll stay at home and eat mainly chicken, eggs, and ramen ). Granted, I 've had a recent hard inquiry into my credit, and I missed one payment one year ago, but the amount of credit card debt I have now is the major factor affecting my credit. And the APR on my credit cards are double the rate that the student loans were charging me. If I just applied for IBR right after returning from university, would I be in the situation I am in now? Did I miss an opportunity? How much money did I actually lose and continue to lose? I 'm only paying XXXX a month now, and my previous job, when I first left university, only paid me half of what I make now. I went to the XXXX XXXX XXXX XXXX XXXX, in XXXX.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-13
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. (FL)

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 following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX & XXXX  XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX Balance {$4500.00} XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX 2021 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXXXXXX Inquiry : XXXX XXXX, 2021 ; XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX WY XXXX XXXX CA XXXX ; XXXX XXXX XXXX ( Original CreditoXXXX Name : XXXXXXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 2021.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX/XXXX - {$790.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XX/XX/2016 please remove accounts from my credit report.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NM)

I have been a loyal customer of PayPal for several years and have never faced any issues until now. My account has always been in good standing and I have never engaged in any fraudulent or unethical activities. Despite this, my account was suddenly restricted and my funds were blocked for 180 days, which is unacceptable. 

The restriction and block was imposed on XX/XX/2023, and has caused immense inconvenience to my business operations. 

I have provided all the necessary documents and information to PayPal to prove the legality and authenticity of my business transactions. These include purchase invoices, shipping label, and tracking numbers with verifiable delivery within 5 days. However, despite providing this evidence, my account remains restricted and my funds are still blocked. 

I strongly believe that this restriction and block is unjustified and constitutes a violation of my rights as a customer. My account is not a high-risk account as I have fulfilled all tracking requests, delivered all products to my customers, and have a very high customer satisfaction rate. 

I request that you investigate this matter and help me resolve this issue as soon as possible. I also request that you assist me in lifting the temporary restriction and funds block on my account, so I can resume normal business operations.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2017 I logged into my account and noticed that all my credit cards had XXXX available credit. My reward points were also missing. I contacted Citicards to inquire regarding this and was notified that all my credit cards were unilaterally canceled and my points were confiscated. No reason was given by the supervisor I spoke with. I was told that my points were forfeited as the bank had decided to cancel my accounts with no prior warning. Such an action is disingenuous and it seems that the bank can simply close your accounts to avoid allowing you to use that which you earned and that which is rightfully yours. I spent thousands of dollars on my cards which Citibank earned processing fees for. Part of the reason for my use of Citibank 's cards was due to their generous rewards programs. This seems like an easy out for the bank to collect fees without giving anything in return. My credit is stellar and I have never missed a payment with Citibank or any other bank. I have always paid in full. 
While I ca n't fault the bank for making a business decision ( if that 's what this was ), I should have been given notice prior to closure and should not have had to discover this myself. I should have also been given an opportunity to redeem any rewards that I had accumulated over the years being loyal to the bank. I rely on my credit cards for daily spending and deactivating all my accounts without informing me at all is inappropriate and unfair. This closure with no warning resulted in extreme inconvenience to myself as well as my family.
Consumer complaint received 2017-09-08
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. (MI)

I am affected by the Equifax data breach. They were aware of the problem for more than 6 weeks before disclosing the issue, opening me up to the potential for identity theft and other financial  damages.
Consumer complaint received 2023-02-10
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-02-10
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 Adjusters, LLC (FL)

After receiving a recent copy of my credit report I noticed, a company shown as : National Credit Adjusters was reported to my credit report per XXXX XXXX I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Make mountly payment befor its late and but one payment on XXXX XXXX payment is showing late on credit report. I tried to make payment before 30 day mark using automated system but was not granted access until after which cause payment to be late. I call to dopiest and capital one said they could not do anything
Consumer complaint received 2023-02-09
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. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-09
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: Earnest Inc. (VA)

Earnest reported my payment as 60 days past due after to phone calls where I stated hardship and noted I would pay within 2 months and asked if there would be any adverse impact on my credit and they said no. 

Only to my surprise that a day before the scheduled payment my credit score is now tanked over XXXX points preventing me from buying the townhome I was planning to save for this fall. 

I spoke to Earnest on XXXX occasions to no avail. The account is now up to date and I am seeking the 60 days past due removal as it was predatory and done to ruin my creditworthiness and not reflective of my creditworthiness and Earnest lied when they noted that due to hardship the later payment would have been fine. Also despite disputes and numerous calls they have failed to update the account as current and still have it listed on all my credit reports as late. 

After a phone call I was told a manager would call me back and never received a call, I called again and was denied access to a supervisor or escalation to a more senior employee.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NY)

As I see the most recent news into the lawsuit against XXXX, I have to reach out in regards to another XXXX loan agency -- NJ Class. These loans are administered by a state agency, the New Jersey Higher Education Student Assistance Authority ( NJHESAA ). The constant disorganization of the company and the horror stories I hear from other people -- I feel like this is a prime example of a loan agency unwilling to help students pay back loans affordably. These loans come with high interest rates with no end in sight on when or how to pay back. The site has not been updated in 10 years, making it extremely hard to track progress and understand loan payback. They do n't offer good refinancing options -- only a 25 year option. Their customer service agents are rude and condescending. I 've had several incidents where I called and one agent told me one thing & the other told me another -- which in the end costed me hundreds of dollars in interest that went into their pocket. There are a few inconsistencies with bill dates & how much interest you accrue. Overall, they are not an honest & reputable agency -- like XXXX, they should be looked into. I have been lucky enough to pay off most of my loans to date but I know the struggle and strain it has put on myself, my parents, my brother, and friends.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (IN)

On XX/XX/2022, {$3300.00} was stolen from me off of my Wisely  by XXXX card. I did not authorize the transaction due to me having XXXX and in the hospital. I have submitted proof to XXXX of me being in the hospital to prove that I did not authorize the transaction. They told me to email the documents and mail them I did but when I called a week later a guy told me they never received anything and that I wasnt suppose to email them only mail it, in which I did. They told me they dont give out previsionary credits and they cant tell me whether Ill get my money back or not until I get a letter in the mail. I still havent received anything and I am behind on my bills.
Consumer complaint received 2023-02-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Revco Management, LLC (PA)

I got a collections notice from this company today. About two months ago they were mailed a written letter from me requesting no contact in accordance with the CFPB laws. I got a letter in the mail today. Next communication from the company & my lawyer will be writing them with a summons for breaking civil law.