davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-26
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)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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 8
Consumer complaint received 2024-07-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (NE)

CFPB Date : XX/XX/year> Re : False Claims by Rushmore Services- Release of Lien Violations Dear Sir/Madam, I am writing to report a potential fraud and false claims by Rushmore Servicing XXXX Despite not being the rightful owner of a judgment, Rushmore Servicing is claiming to have a judgment and attempting to collect on it. 

This appears to be a violation of the XXXX Consumer Protection Act ( Neb. Rev. Stat. 59-1601 et seq. ) and potentially the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ). Additionally, Rushmore Servicing actions may violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

XXXX8 U.S.C. 1345 ( Fraudulent schemes ) : This statute makes it a crime to engage in fraudulent schemes, including schemes to defraud or obtain money or property by means of false pretenses, representations, or promises. In the context of the situation, Rushmore Servicing has violated this statute by : - Making false representations about the existence of a judgment in their name - Using false pretenses to collect debt or obtain money or property - Engaging in a scheme to defraud the consumer Enclosed are supporting documents, including : - A copy of the judgment obtained by Rushmore Loan Management Services LLC - Evidence of the distinct identities and addresses of Rushmore Loan Management Services LLC and Rushmore Servicing ; - Proof of Rushmore Servicing false claims. 

An examination of the judgment reveals that it is not in the name of Rushmore XXXX, as they falsely claim. Moreover, the judgment conspicuously omits any reference to the statute of limitations, instead relying on a tenuous opinion. It is clear that the plaintiff perpetrated fraud, and the judge failed to apply the law. This case should have been dismissed with prejudice, but I note these facts solely to emphasize the seriousness of the errors that have been committed. 

The key question to ask is : Does Rushmore Servicing have a judgment in their name? If the answer is no, then it is clear that Rushmore Servicing has lied and are in violation of the aforementioned statutes. Through the evidence I have submitted, I have demonstrated that Rushmore Servicing has made false statements and perpetrated fraud. 

I request that your offices investigate and take appropriate action. 

Sincerely, XXXX XXXX CC : XXXX Department of Justice FTC CFPB
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am a customer of Experian 's upgraded membership that I pay to utilize. Their service advertises a credit lock feature where a customer can lock and unlock their credit profile at will, both online, their app, and via the phone. 

For the last month I have been unable to unlock my credit profile. I have spent countless hours on the phone with their less than helpful customer service. I have gotten nowhere contacting them. I have contacted them via XXXX as well. XXXX days ago I opened a XXXX  case. None of these methods have allowed me to utilize my credit by unlocking my credit report. 

My credit is currently being held hostage by Experian, yet I am still paying for their membership.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/year> we identified a fraudulent charge on our Bank of America credit card statement. We immediately contacted the bank and opened a fraud claim. The charge was made to XXXX for the amount of {$1700.00} at XXXX pm on XX/XX/year>. BOA denied this claim and stated in their letter to us that the merchant ( XXXX ) stated this was a valid charge. The reasons given were that the purchase information included my correct credit card info, my name, email, phone, and address and that the purchase was made via an iphone within XXXX km of my home address. 

My husband and I obtained additional information from XXXX that the purchase was for XXXX tickets to the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ( Home Game XXXX, Series Game 5 ) and that the purchase was made minutes before the game start time of XXXX pm. 

Upon learning that the person who made this fraudulent purchase had all my personal information, I filed a police report and froze my credit information with all the agencies. My husband and I also contacted Bank of America several more times to reopen the claim and provide them with the additional information including the police report. The claim has been denied 4 times, most recently on XX/XX/year>. BOA has not provided any additional information as to why the claim including the identity theft issue is being denied. In the denial letter BOA continues to state that the merchant says this is a valid transaction. I have made additional calls and BOA has not provided any information as to how I can further support this claim or why they will not protect against identify theft fraud on the credit card.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (WI)

When closing on my home in XXXX of XXXX Santander bank refused to allow me to access the funds in my checking or savings account to use for the closing costs because the home was not financed with them. I was told that since I chose not to finance with Santander, that they did not have to allow me to withdrawal my funds in order to cover the closing costs with another financial institution. This problem was initially started at the XXXX XXXX branch. Most recently on Friday XX/XX/XXXX XXXX XXXX at the XXXX branch of Santander Bank refused to allow my mother to make a deposit of XXXX dollars to XXXX out my account and close it. Instead she was rude and arrogant with my mother and suggested that my mother find a complete stranger who banks with Santander to make the deposit since my mother does not bank with Santander. She refused to help me take any action to close the account. This has been an ongoing process for over three years now. I am continually denied access to my accounts and the money in those accounts for reasons they seem to be able to pull out of thin air.
Consumer complaint received 2024-08-26
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)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (CO)

I am writing this letter as an immediate and urgent follow-up to my previous dispute, regarding the inaccurate and unverified information that continues to persist on my credit report. Despite my initial dispute, which was submitted in compliance with the Fair Credit Reporting Act ( FCRA ), these erroneous items remain unresolved and continue to harm my credit profile. This negligence is unacceptable.
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (MS)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX  - XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting 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. (NV)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/2024 XXXX - XX/XX/2024 The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (KY)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Under the fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified.If you do not have nay documentation in your files to verify the accuracy of these disputed accounts then 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.If you are unable to provide me with a copy of verifiable proof that you have on file for each of the accounts listed below within 30 days of reciept of this complaint then you must remove these accounts from my credit report. 
XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, BANK OF AMERICA violate UDAAP laws by doing a bait and switch tactic. I was approved for opening a checking and savings account. Received email stating that I was approved. Received confirmation that we're to receive temporary online password in the mail within 3-5 business days so that I could either find the account or setup my enrollment with online banking. Well, XX/XX/XXXX a letter issued stating that a decision wasade to " close '' my account due to them not being able to verify my identity. I find this very odd. Why? Because the information that I put on the application was verified and most likely checked again XXXX and XXXX XXXX and I was approved. If my information at any point came back from those two bureau not allowing me to open an account, I would not have been approved. Furthermore, my application would have come back " not able to verify identity '' and would not have allowed me to continue. Bank of America never contacted to me to give me the chance to provide documentation so that my identity was verified. I am sure they used XXXX XXXX to try to confirm my identity, and I am 100 % positive my information shows by using my social and matches what's on the application. If that wasn't enough, then additional proof should been request and do nothing. 

The problem I have is that they are asking me to reapply and then go into a financial center with passport, i.d, utilities bill in order to verify. Why is this not your process upfront. I feel like they are bait and switch with new account offer to fudge their numbers for opening account. This is clear violation of UDAAP and sales practice misconduct.
Consumer complaint received 2024-08-26
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)

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 account listed without my expressed written consent.
Consumer complaint received 2024-08-26
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)

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXX XXXX  directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX  violate several federal laws, including : XXXX. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXX  violates this requirement. XXXX. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX  constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX  correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-08
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. (NJ)

Around XXXX XXXX, 2023, I reached out to my then loan servicer, XXXX XXXX, seeking relief. My XXXX finalized on XXXX XXXX, 2023, and I was at risk of falling behind on mortgage payments. Initially, XXXX XXXX  approved a forbearance plan over the phone and informed me that a plan details would be received in the mail. Instead, I received an invitation to apply for mortgage relief around XXXX XXXX, 2023. I promptly called XXXX XXXX  requesting an explanation. They denied ever approving a XXXX, told me I was not eligible, and that I can apply for relief on their website. I applied on the website that night, to include all required documents. I also sent all required documents to the email address on the application form. 


XXXX denied receiving all required documents in its entirety and my application for relief was placed in a " review '' status. I called to ask what documents I failed to send them, and they simply stated " other documents ''. I again sent them already submitted documents via email and through their online portal. During this time I kept the monthly payments in reserve while I struggled to meet my other obligations from my XXXX XXXX XXXX. Each week I called to check on the status of my application and to learn about the ramifications of missing payments while my application was pending. 

XXXX informed me that no negative reporting would occur until XXXX  days past due. Shortly before the XXXX  day mark I called XXXX again to inquire about the status of my relief application. The status was still under review. I logged into the website to settle the outstanding balance, but I was blocked from making any payments. I called XXXX to make a payment over the phone, but was told that I am blocked from making payments. A representative went so far as to tell me to not make any payments as that would negate the need for the relief I was seeking. 

After XXXX  days, XXXX sold my mortgage to another loan servicer, XXXX XXXX, and approved " relief '' with terms nearly double my current schedule. I applied for short term payment deferment, as offered on XXXX 's application. I was instead offered an untenable loan adjustment after XXXX destroyed my credit.
Consumer complaint received 2024-08-26
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX BALANCE {$1500.00} Account Name : XXXX XXXX  XXXX XXXX BALANCE {$1100.00} Account Name : XXXX CARD # XXXX BALANCE {$5500.00} Account Name : XXXX FCU # XXXX BALANCE {$20000.00} Account Name : XXXX  XXXX # XXXX BALANCE {$3600.00} Account Name : XXXX XXXX XXXX XXXX  XXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX BALANCE {$4600.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This morning, I discovered unauthorized inquiries on my credit report, and Im completely puzzled as to why. I regularly check my credit report, but this time, I was alarmed to see discrepancies that seemed to appear out of nowhere. I tried refreshing my browser, hoping it was just an error, but the unauthorized inquiries persisted. Because of this, I am urgently requesting a thorough review of the documents Ive provided so that I can have peace of mind and not worry about this again.