davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Associates, Ltd. (GA)

1 ) On XX/XX/2022 my XXXX and XXXX credit ratings dropped XXXX points. 
2 ) I found out through XXXX XXXX that this happened because an ambulance company named " XXXX  XXXX XXXX '' reporteed an unpaid debt of {$2000.00}. 
3 ) I have XXXX XXXX XXXXurance through XXXX Georgia. 
4 ) I never received a bill or notice.

5 ) This went directly to collections. 
6 ) I can not locate " XXXX XXXXXXXX XXXX '' despite dozens of attempts. 
7 ) I have asked Collection Associates at ( XXXX ) XXXX - XXXX to for a letter promising to remove this debt from my Credit Report in exchange for my insurance information. 
8 ) Collection Associates refuses to provide : A ) Address or phone # of " XXXX XXXXXXXX XXXX. '' B ) XXXX debt will be removed once paid. 
9 ) I want to resolve this, but want my credit rating restored.

10 ) I have confidence the CFPB can resolve this.

11 ) Don't let me down. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2022-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

RUSHMORE LOAN MANAGEMENT illegally dispersed over XXXX in loans under my identity theft, property loan schemes with XXXX XXXX. 
XXXX XXXX has been cited and fined as follows : XX/XX/2022 WASHINGTON, XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) took action against XXXXXXXX XXXX for illegally accessing its customers credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers permission. XXXXXXXX XXXX pressured and incentivized its employees to sell multiple products and services to its customers, including imposing sales goals as part of their employees job requirements. In response, XXXXXXXX XXXX  employees unlawfully accessed customers credit reports and sensitive personal data to apply for and open unauthorized accounts. XXXX XXXX must make harmed customers whole and pay a {$37.00} XXXX penalty. 

XXXXXXXX XXXX AND RUSHMORE are obstructing investigations and they are suppressing ongoing federal violations in identity theft schemes and also Fairwinds banks aiding in the money laundering fraud by granting same perpetrators new loans for a new property, using my identity and my property as collateral. 
Both perpetrators were deemed officially bankrupt and were ordered to have monitors and management that XXXXXXXX XXXX, RUSHMORE LOAN MANAGEMENT AND XXXX XXXX DID BYPASS UNLAWFULLY. 

I am adding verified proof of obstructions of investigations and the suppressions of fraudulent malpractices, by RUSHMORE LOAN MANAGEMENT that issued {$100000.00} in new money over fraudulent loans supplied to predators. 

I have called and the predatory RUSHMORE LOAN MANAGEMENT personnel will not give me any information, hang up and are in direct interferences of investigations implicating XXXXXXXX XXXX and RUSHMORE LOAN MANAGEMENT in ploy schemes to seize property from victims of verified financial fraud. 

RUSHMORE LOAN MANAGEMENT got desperate and facilitated more fraud by hiring attorneys of XXXX XXXX XXXXXXXX, who also threatened to seize property.
Consumer complaint received 2019-10-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.
Consumer complaint received 2022-10-03
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. (GA)

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act XXXX, 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 .Below I am listing all the accounts that I found was to be wrong. 

Account Name : XXXX XXXX Account : # XXXX Each credit bureau is reporting different late payment status as well as the date of last reporting. I have attached my credit report as well as proof of my letters being sent to the credit bureaus and no investigation being done. 

Account Name : XXXX  XXXX Account # XXXX I have asked for this account to be removed because the account is not mine and is someones account affecting my credit score negatively Each credit bureau is reporting different information and XXXX doesnt even show this account belonging to me. 
Account Name : XXXX Account # XXXX Each credit bureau is reporting different " dates of last active, '' date of last payment, '' and " payment status. '' Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$6100.00} This account is only reporting from XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet experian continues to hold this account on my credit report. 
Account Name : XXXX XXXX XXXX Balance : {$25000.00} This account is only reporting on Transunion and no other credit bureau. I have already disputed this as a fraudulent account yet Transunion now continues to hold this account on my credit report. Account Name : XXXX XXXX XXXX This account has so many inaccuracy from date opened, to balance due, payment status, and date of last active. The credit bureaus did not due an investigation into this account to verify the information is correct.. 
Account Name:XXXX XXXX XXXX XXXX XXXX Account XXXX This account is only reporting negatively to two credit bureaus which is Transunion and XXXX. Which both these bureaus have different dates of opening as well as when the account was even active.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I am the victim of a scam. I received XXXX checks totaling {$7500.00}, which I deposited into My Huntington Bank checking account. I was instructed by the " representative '' to make withdrawals and purchase gift cards and a whole series of steps to follow to have advertising placed on my vehicle. By the time I realized it was a scam, I had already made the withdrawals on the first check that I deposited. Four days later the bank reversed the deposit, saying the check didn't clear. The bank then reversed the second deposit. I am now more than {$3000.00} in the red as my SSA deposit has been taken as a result. I have made complaints about both scams to the FTC and they told me to contact cfpb because the bank had a responsibility to make sure the checks were good before allowing any withdrawals of the funds. Huntington Bank tells me that it is normal for deposits to be accessible before the check actually clears the process. In all of my XXXX  years, I have never known this to be true! 

I have since closed my checking account and opened a new one with Huntington, but if I continue to use direct deposit for my Social Security, it will be taken for the negative balance. I will now have to go to a different bank and open an account to have my SS deposited. 

I feel that Huntington should have some responsibility here for allowing the funds to be withdrawn too soon. Please review and advise. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX was sent a cashier check for XXXX for an escrowee account the contract was cancelled so the check was supposed to be returned and it was cashed at the Chase branch and voided and then sent back to me. So {$5000.00} was stolen by XXXX XXXX XXXX in which who has committed fraud against me and my account has been compromised
Consumer complaint received 2022-10-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Central States Recovery, Inc. (MA)

this is their original response to the first complaint I filed We have received your correspondence for the above account. We have terminated all collection efforts, and instructed XXXX, XXXX and XXXX to delete this matter from your credit history without delay. If you require additional information, please advise our office IT IS STILL SHOWING UP ON MY CREDIT REPORT WITH ALL THREE CREDIT REPORTING AGENCIES I DEMAND THIS BE REMOVED IMMEDIATELY
Consumer complaint received 2022-10-03
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. (IL)

I received an alert that a hard inquiry was placed on my transunion credit report. Its for XXXX dates XX/XX/2022. My transunion credit is currently frozen and has been frozen, so there should be no inquiries from any company. I called XXXX  And they do not have any record of a credit pull for me nor any recent requests.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I am asking can XXXXXXXX XXXX remove adverse information off my three consumer credit reports ( XXXX, Experian, and XXXX ) concerning a one time 30 day late payment in XX/XX/XXXX XXXX I missed this payment because of then COVID-19 cutbacks on time and staff at my place of employment and its has been having a adverse effect on my three consumer credit reports ever since. This one time missed payment is lowering my credit score substantially. In an effort of goodwill I am asking can this adverse information be removed from my three consumer credit reports by XXXX XXXX. This is the only missed payment on my credit report and my XXXX account is closed.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

Person offering services website was hacked and person posed as them to get money sent directly to them on XXXX, on XX/XX/22, in the amount of {$200.00}. Was told by Wells Fargo on XX/XX/22 that because it was through XXXX it is impossible to be able to reverse any fraud charges even though my account reflects that the charge is still pending.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

On XX/XX/2022 I contacted roundpoint mortgage to request forbearance Becuase of my remote employment is affected and my pay has been reduced due to my employer based in XXXX XXXX, XXXX which an area based in FEMA declared natural disaster area that qualifies for individual assistance. My request was unsuccessful and the agent on the phone was very rude and unhelpful gave no clear answers.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I reviewed my consumer reports and noticed that i had One late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (CA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

I have disputed this {$1100.00} bill from Consumer Adjustment Co through all three credit reporting agencies since the day I accompanied my adult daughter to the ER and received a text on my phone saying thank you for your visit as they apparently scanned my phone when I walked in. I immediately responded that I was not seen that day, but had driven my daughter, who by the way does not live in my household. 

I am not responsible for this bill, and if you check you will see it belongs to my adult daughter. It is outrageous that my credit score can be decimated while they continue their false claims, while at the same time hounding my daughter for the exact bill in question. 

It should also be noted that I have not used the XXXX XXXX XXXX since my XXXX XXXX  5+ years ago. I use XXXX and an XXXX  for my health needs.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2021-05-31
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. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WA)

While I was on vacation my mortgage got purchased by Truist Bank. I only became aware when my payment wasn't swept from my account on the normal date. I found a notice in my unopened mail and called Truist Bank to set up new recurring payments. As it was already the XXXX of the month my payment would not make it in time. I was told to skip my XXXX payment and start XX/XX/XXXX. In XXXX I noticed they hadn't taken my payment again. I called and was given the run around and could never speak to a supervisor. They said one would call me and they never did. They stalled until the XXXX day and finally called and said if I didn't pay it would mark my credit so I emptied my savings and payed. They have refused to allow me to see a transcript of my original call where I was told to start with my XXXX payment. They also said if I recorded any phone calls they would not talk to me. I have made mortgage payments for 30 years without ever being late or missing a payment. The methods of Truist Bank are to speak in circles and deny any wrong doing and " accidentally '' disconnected phone calls 3 times as I was supposedly being transferred to a supervisor. This is no way to treat hard working people. I did not ask this fraud of a bank to enter my life and cause so much stress that I was losing sleep. I feel helpless against a XXXX dollar corporation with no recourse. I hope this can help others as I'm probably beyond protection. Thank you. XXXX XXXX.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

In accordance to the fair credit act this creditor violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy 15 US C 1681 section 604 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666 B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-03
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. (TX)

I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.