davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: First Associates Loan Servicing LLC (TX)

I was a victim of predatory lending with School XXXX XXXX was sent a letter by Student CU Connect informing me that I’m no longer responsible for loans and I have a XXXX balance. But company refuses to honor the discharge. And I was sent a letter that my dispute was denied by company XXXX. Student Loans Amounts in Total is XXXX dollars. XX/XX/XXXX loan amount $XXXX. , XX/XX/XXXX $XXXX,  XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX. This has been an on going problem for 10 years. And I would like to be able to get my life back. I’ve reported to all bureaus and was denied of my disputes.
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

On XXXX XX/XX/2023, I wrote to my mortgage servicer ( RLMS ) the following on their website ( https : //myrushmoreloan.com ) : Why does this site make no mention of an XX/XX/XXXX letter reassigning my loan to a different servicer in XXXX? Is the letter a fraud? Should I contact the FBI? Would it be 18 US Code 1343 or 371 or 63? Should I start a new CFPB complaint? https : //www.consumerfinance.gov/complaint/ On XXXX XX/XX/2023, RLMS responded on the above website message center : " Thank you for bringing this matter to our attention, we sincerely apologize for any inconvenience this may have caused. Please not [ sic ] the loan servicing transfers are a normal part of the servicing industry, this is not fraud and the terms of the loan are not impacted. '' I wrote on XXXX XX/XX/2023 in the same online message center : This response is too vague to answer my concerns.

Specifically : 1. Did RLMS send me a NOTICE OF ASSIGNMENT on XXXX XX/XX/2023, and Is my new loan number : XXXX? 
2. Is my new website : www.rushmoreservicing.com/welcome? 
3. Do I need to re-register for auto-payment withdrawals at : www.rushmoreservicing.com/welcome?

4. Is my new servicer address : Rushmore Servicing Attention Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX? 

cc : Consumer Finance Protection Bureau XXXX XXXX, Attorney General of California https : //oag.ca.gov/contact/consumer-complaint-against-business-or-company On XXXX XX/XX/2023, I received an email from RLMS : " Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Your Message Center response is now available.Login to your account on MyRushmoreLoan.com to view your reply. '' When I attempted today to login in order to read the RLMS response, their website crashed : " We are currently experiencing technical issues at this time. Please try again later. We apologize for the inconvenience. '' At this point ( A ) I do not know where to forward my mortgage payments, ( B ) I do not know what the new servicer website is, and ( C ) I do not know if my auto-payment will transfer to the new servicer. 

I also know that my home is worth far more than the remaining balance, and RLMS would benefit greatly by creating confusion, blaming the confusion on me, and then moving to foreclose on my home based on the confusion that RLMS cynically caused itself.
Consumer complaint received 2021-08-04
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: SYNCHRONY FINANCIAL (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-09-06
Product: Credit reporting 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. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX XXXX My complaint is in regard to XXXX XXXX and Trans Union. Dating back to XX/XX/XXXX I appointed A credit repair company known as XXXX XXXX XXXX to repair my credit, XXXX   automatically sent dispute letters. to me My job was to sign my name and then sent these dispute letters to Transunion, XXXX and XXXX.after I have been corresponding these dispute letters to all 3 agencies, However all 3 agencies have not been abiding by the law. In XX/XX/XXXX all 3 agencies responded and exclaimed that they could not identify who I was. This was not true because I enclosed copies of my drivers license, social security number, and a credit card bill. I hope you can contact all 3 companies and make them abide by the rules. if they need more info they should contact me at XXXX XXXX or XXXX instead of disposing of my letters with a redundant excuse. Your sincerely XXXX XXXX
Consumer complaint received 2024-09-06
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. (TX)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 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 account : XXXX XXXX  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 on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

My husband is XXXX XXXXl and someone has been fraudulently accessing his account and sending themselves money via XXXX. I called on XX/XX/XXXX and was told his online access would be frozen. When I saw more money was stolen that night, I called on XX/XX/XXXX and was told they would not speak to me without power of attorney since it was stolen from his personal brokerage account. The unauthorized person took money from our joint account on XX/XX/XXXX so I called back on XX/XX/XXXX. After my debit card was cancelled, the checking account number changed, and being told I could not get checks because they had an old address, I was told the person who has hacked his account still maintained all access since they can't do anything unless he calls himself. ( Again, he is XXXX XXXX ). 

When I called back on XX/XX/XXXX to get the account number and find out how to restore my online access since that was cancelled as well ( even though the criminal 's access was not! ), the man began investigating the fraud again instead. when I told him that had been done and I just wanted my account number, he told me he had to investigate. He was asking me a list of questions that no one asked when I tried to report the fraud the day before. 

I can not access my checking account. My husband 's direct deposit will not be able to go through. Meanwhile, this hacker/criminal/unauthorized person XXXX themselves more money last night.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

After reviewing a medical debt appearing on my Equifax Credit file for collection account with XXXX XXXX XXXX, account number XXXX and checking with my insurance provider about this debt, it has been determined that the said debt with XXXX XXXX XXXX  is fraudulent. I have included a copy of my Identity Theft Report and all verification needed as required by the FTC and Equifax to have this account blocked.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Hello, I am writing in hopes that you hold Experian responsible for incorrect reporting. I have sent multiple disputes in to have this information fixed/removed and it still has not been corrected. There have been two other complaints filed in which the creditor admits to wrong reporting. They are as follows. XXXX and XXXX. They stated it would be fixed which it has not. It has been well past 30 days since my last dispute letter to Experian with no update. XXXX and XXXX have already removed this account completely from my credit profile for the inaccurate reporting. I will have no choice but to file a lawsuit against Experian if this is not removed. Incorrect information that is not fixed is a violation of the FCRA. This account is directly affecting my ability to obtain credit due to incorrect reporting of all the dates opened, closed, last payment as well as multiple payment errors. 

XXXX XXXX - Account number XXXX
Consumer complaint received 2021-08-04
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: SUNCOAST CREDIT UNION (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute inaccurate and unverifiable information being reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts are being reported inaccurately and in violation of Metro 2 standards : XXXX XXXX XXXXXXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$500.00} ( appearing twice ) XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$3500.00} These accounts are reported incorrectly and may be in violation of Metro 2 compliance regulations, which govern the accuracy and consistency of how accounts are reported. As per the requirements under Metro XXXX and the FCRA, all data furnishers must ensure that the data reported is complete, accurate, and verifiable. Upon review, the following issues appear to exist : - **Duplicate reporting : ** XXXX. XXXX XXXX XXXX is listed twice for the same amount and opening date, which should not occur under Metro 2 reporting guidelines. 
- **Unverifiable information : ** I do not have records of the alleged debt with XXXX XXXX XXXX and XXXX XXXX XXXX as currently reported XXXX and I am unable to verify the authenticity of these entries. 

I kindly request that you conduct a thorough investigation into these accounts, verify their accuracy with the original creditors, and provide me with documentation that proves they meet the legal reporting requirements. If the investigation reveals that these accounts do not comply with Metro 2 standards or are not verifiable, I expect these accounts to be deleted from my credit file immediately.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I specifically asked Experian to provide me the original documentation for the items I disputed on my credit report # XXXX and # XXXX, if they determined that any of the items were accurate, both dated XXXX. I informed Experian that section 609 of the Fair Credit Reporting Act states that the creditors must provide the credit bureaus the original documentation that was signed upon opening the account, or they are engaging in fraud. 

In this re-investigation, Experian informed me that the information I disputed was verified as accurate, but they failed to comply with section 609 of the FCRA, and therefore the items I disputed are now unverifiable, and must be deleted, but at this time, Experian is non-compliant.
Consumer complaint received 2018-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

I bought a new XXXX XXXX XXXX from XXXX XXXX dealership FL. When I bought the vehicle I traded in XXXX  XXXX XXXX. Within one month after buying the vehicle, the car had a dangerous brake failure while driving. I brought the vehicle back to the dealership and requested to take the car back. I requested to return back my trade in value vehicle or equivalent. My request was verbally denied. I understand that brake failures can happen but it was a new vehicle with less than 1500  miles. The remedy I am requesting is to cancel the contract without any negative impact on my credit standing with full recovery of the trade in value amount. 
Regards, XXXX XXXX
Consumer complaint received 2018-10-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NE)

XXXX XXXX XXXX continues to call dispite being informed to cease all forms of communication ( oral and written ),  a violation of the FDCPA. This company calls from the numbers of XXXX and XXXX. 

All of my debts are long past the statute of limitations. I retain and can supply a copy of my XXXX Credit Report which proves that all debts are 10 years old or older. Thus, there is an absolute bar for any form of litigation. 

In accordance with the FDCPA, a debt collector MUST stop all forms of communication once they are informed to do so in writing. My past written letters to MCM have been ignored. Thus, I am using this complaint as a formal written cease and desist informing MCM to cease all forms of communications concerning any and all past debts.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with all those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2018-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I have sent Portfolio Recovery Associates, LLC a letter on XX/XX/2018 asking them to VALIDATE this debt they claim I owe them or XXXX XXXX. PRA, LLC only keeps sending me billing statements which is not sufficient VALIDATION that I owe them anything and they know that. These billing statements themselves could be fraudulent. If they are a collection company that works with XXXX XXXX or BUYS DEBT from XXXX XXXX  then they should have the proper documentation from XXXX XXXX with my signature agreeing to pay XXXX XXXX  and VALIDATING this is in fact my account and that I agreed to pay them this amount. There is also a letter XXXX, XXXX sent me but it says its from XXXX XXXX  saying that PRA, LLC owns the account and that it is not an attempt of XXXX XXXX  trying to collect a debt. I am going to need VALIDATION THAT I OWE PRA, LLC {$260.00} if they can not produce these documents I demand them to remove it immediately.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) 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 on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I called Transunion on XX/XX/XXXX and they refused to grant me access to my credit report, they claimed that my account was accessed by another person other than I on XXXX. 

They said my online account will be banned for life. 

Both XXXX and XXXX have NEVER showed any unauthorized access on my account. 

Please advice. 

Thanks.
Consumer complaint received 2019-04-29
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: Experian Information Solutions Inc. (FL)

Hello I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX With Experian XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.