davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Our mortgage was sold to Rushmore Loan Management effective XX/XX/2018. We were notified of this well in advance to pay Rushmore on the effective date. We set them up as a new bill on Bill Payer through our bank and made our first payment on the due date of XX/XX/18. With no problem of making the first payment, we scheduled our XXXX and XXXX payments in the same manner. Our XXXX payment was made through Bill Payer on XX/XX/18 and our XXXX payment was made on XX/XX/18. At the end of XXXX, after we had already made XXXX 's payment, we received a statement from Rushmore showing that we owed 2 months of payments ( XXXX & XXXXy ). I called Rushmore as soon as I received the statement and gave them all of the information for both XXXX and XXXX 's payments to include the confirmation numbers that Bill Payer provides. My husband and I have talked to Rushmore no less than 1 time every week to try to resolve this issue but have had no such luck. We have 3 way called them with our bank and Bill Payer several times and none of the representatives we have talked to have been able to do anything other than take a payment over the phone. Bill payer has faxed them over proof of payments, my bank has faxed them over proof of payment but again to no avail. We call 2 days after the faxes are sent and the representative tells us that they never received the paperwork. When we call, we are told that the information needs to go to the Texas office and then when we call back to follow up, they tell us that it should've been sent to the California office. Since all of this has been happening, I put together a packet of proofs of payments, copies of their statements, copies of the notes where we have talked to each representative as well as our bank statements for XXXX, XXXX and XXXX. I was smart enough to mail this packet via certified mail so I know they received it 2 weeks ago. They still can't find our payments! We have asked multiple times to speak to a supervisor or manager and are told that none are available. I finally was able to get put into a managers voicemail but after 3 weeks I have yet to get a return phone call. We have also received foreclosure paperwork ( more how to avoid foreclosure ) and tried to get in contact with the person listed on that paperwork also. Again, I called and left a voicemail and after 2 weeks have yet to receive a return phone call. I don't know what else to do and I refuse to continue to give them money when they lose it. We have placed our XXXX payment into a separate account to secure the funds so when this matter is resolved we can make any and all necessary payments. 

Please help since the mortgage company does not want to.
Consumer complaint received 2023-09-24
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. (CA)

Consumer has also mailed complaint and judgement of default to California AG office. I have disputed listed accounts ( XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) with XXXX, Equifax and XXXX. Equifax continues to violate against consumer rights by failing to take action for consumer rights and properly handle consumer disputes. The other reporting agencies has removed these listed accounts but Equifax has refused. Consumer has disputed these accounts repeatedly and consumer reporting agency continues to not properly handle disputes according to regulation. Consumer moves to file motion of default against consumer reporting agency Equifax. Reason for this complaint is that Equifax continues to report wrongful and disputed information on consumer report. Consumer has notified Equifax of their constant violations and they have ignored consumer claims. Consumer seeks remedy in the amount of {$10000.00} and demand these accounts be removed immediately- XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX. Violations includes 15 USC 1681a ( e ) meaning of investigative consumer report, 15 USC 1681a ( d ) 2 consumer report does not include transactions and experiences between consumer and person making the report, 15 U.S. Code 6801 protection of non-public information, 15 U.S. Code 1681b consumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In accordance with the written instructions of theconsumerto whom it relates. Equifax is in non-compliance and the CFPB must perform it's duties and obligation in taking consumer disputes seriously and holding these consumer reporting agencies accountable.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon thoroughly reviewing my credit report file, I have identified multiple inaccuracies in the reported information, including opened dates, last activity dates, last payment dates, and balances, which require immediate attention. 

The specific inaccuracies I wish to address are as follows : XXXX XXXX Account # XXXX : Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. 
Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Balance : The reported balance on this account is incorrect. The accurate balance is {$880.00}. I respectfully request you to verify and validate all data associated with this account. 

These inaccuracies not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also misrepresent my credit history, financial responsibility, and current account statuses. To rectify this situation and ensure the accuracy and fairness of my credit report, I am formally requesting the immediate removal of these erroneous items from my credit report. 
I am drawing your attention to the XXXXXXXX XXXX XXXXXXXX case, which exemplifies how incorrect reporting can negatively impact consumers ' rights and financial well-being. In the XXXX case, XXXX failed to remove inaccurately reported items despite discrepancies, highlighting the critical nature of accurate reporting and adherence to FCRA guidelines. 

Under my rights granted by the FCRA, I demand the swift removal of the aforementioned inaccuracies to restore the accuracy and fairness of my credit report. I kindly request written confirmation upon the completion of your investigation and the correction of these inaccuracies. 
I sincerely appreciate your prompt attention to this matter. 

Your assistance in resolving this dispute and upholding the accuracy of my credit information is invaluable. Should you require any further information or supporting documentation, please feel free to contact me at XXXX.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy. 
15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Dear Trans Union : I had attempted to contact your agency by phone in regard to my XXXX XXXX XXXX XXXX services account number ending in XXXX. I contacted XXXX XXXX XXXX XXXX  in reference to the balance reported on my XXXX Credit report which was incorrect. XXXX sent the credit bureau dispute to Trans Union. My account now reads " Account in dispute '' and a remark has been added to the account. This was done in error by XXXX the dispute was for XXXX and not Trans Union. Please remove the account in dispute remark on my account because it caused my Vantage score to reduce by XXXX points as a result of the miscommunication. 

Also, the address reported as XXXX XXXX is mispelled. The correct spelling is XXXX XXXX. Please delete the mispelled address. 

Thank You for your prompt attention.
Consumer complaint received 2023-02-13
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. (GA)

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX 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 that consumer reporting agency can not furnish an 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.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (GA)

To whom it may concern on XX/XX/2021 I received several alerts on my email that an inquiry was added to my consumer report. I have no knowledge of this inquiry. 
XXXX XXXX  XXXX : XX/XX/2021.
Consumer complaint received 2023-09-23
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 am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from XXXX XXXX holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into this matter
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit reports and saw various incorrectly reporting physical address, name variations and employment. 

I have tried to contact XXXX XXXX and Equifax by phone to challenge and dispute ; however, there are no resources to help. 

Incorrect name variations : XXXX, XXXX, XXXX XXXX, XXXXXXXXXXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Employers XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on the response of Equifax about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 1. XXXX  XXXX/XXXX-XXXX-Balance {$0.00} 2. XXXX/XXXX-XXXX-Balance {$0.00} 3. XXXX  XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX-XXXX-Balance $ XXXXDate Opened  : XX/XX/XXXX 5. XXXX XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX 7. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 8. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 9. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 10. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 11. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 12. XXXX XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 13. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 14. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 15. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 16. XXXX XXXX/XXXX  XXXX XXXX-Balance {$0.00} 17. XXXX XXXX XXXX-XXXX-Balance {$2600.00} 18. XXXX/XXXX-XXXX-Balance {$2600.00} 19. XXXX XXXX-XXXX-Balance {$860.00} 20. XXXX XXXX-XXXX-Balance {$460.00} 21. XXXX/XXXX-XXXX-Balance {$1000.00} 22. XXXX-XXXX-Balance {$9200.00} 23. XXXX XXXX XXXX-XXXX-Balance {$0.00} XXXX. XXXX XXXX XXXX  XXXX-XXXX-Balance {$0.00}
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (GA)

Experts Urge Rapid Patching of 'Struts  ' Bug In XX/XX/2017, Equifax disclosed that a failure to patch one of its Internet servers against a pervasive software flaw in a Web component known as XXXX XXXX led to a breach that exposed personal data on 147 million Americans. 

I have been trying to repair my credit from information that was obtained on the dark web somehow. 

After disputing several items with this credit reporting agency as " fraudulent '' with an active fraud alert on my account, this company did not perform its due diligence in protecting me as the consumer leaving all the burden of proof on me against these companies who were accusing me of the fraudulent activity. 

After years of trying to get proof that I am indeed a fraud victim, and who knows at which point and for how long, and now I have that proof to include Equifax and their lack of properly validating debts after their security breach.
Consumer complaint received 2023-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

This is not my debt. I have no knowledge of this debt. I am already paying off medical bills to debt collectors directly. This is something new and I believe it to be fraudulent.I am getting texts from a number saying I owe {$2000.00} or more. I have never received any letter from any company about this. I would at the minimum demand a letter in the mail describing the debt and the validity of it to me, as well as the alleged dates and services from the original company and that companies name. I have no idea who this MBA company is or why they are all of the sudden contacting me.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

An account with XXXX was delinquent in XXXX and listed as charged off in XX/XX/XXXX. The account has remained in that status since. XXXX contacted all 3 bureaus and has the account updated to reflect closed as of XX/XX/XXXX. This action caused my credit score to drop by more than XXXXXXXX XXXX I have successfully disputed this with XXXX but Experian and XXXX will not correct the error. 

I am not disputing the debt but the information about when the account was charged off is incorrect and multiple credit reports generated prior to XX/XX/XXXX will show the first delinquency and the original charge off date.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

In XXXX and XXXX, I initiated formal disputes with Experian in order to rectify the inaccuracies pertaining to my student loan balance held by XXXX. Regrettably, my application for an apartment today faced rejection due to the persistence of these erroneous student loan balance reports by Experian. To clarify, my actual student loan balance stands at {$54000.00}. Furthermore, my credit report includes erroneous collection entries, specifically regarding medical expenses that were, in fact, settled by XXXX. 

I have taken proactive steps to substantiate my claims by submitting pertinent documentation to Experian. These documents provide conclusive evidence of both the repayment of my student loans and the correct balances associated with them. Additionally, I have furnished proof of the inaccuracies within the collection entries. 

I kindly request that Experian promptly address and rectify these discrepancies, as they are adversely affecting my creditworthiness and, consequently, my ability to secure important financial opportunities. Your timely attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-23
Product: Credit reporting 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)

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.

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 inructions 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
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.