davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> XXXX, transunion, and XXXX were notified about a XXXX  XXXX account and a XXXX XXXX account, pursuant to title 15 usc 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. the reporting agencies were asked to reinvestigate and they have failed to respond within the 30 days required. i believe that both late payments were reported inaccurately and kindly request that you provide me with a written confirmation of the receipt of this dispute letter, as well as an estimated timeframe for the completion of your investigation. Additionally, I request that you notify me in writing of the results of your investigation and any actions taken to rectify the inaccurate reporting on my credit report.
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I mailed XXXX payment via XXXX Mail and it was delivered XX/XX/23 w/ tracking. Rushmore Loan Management Services denies receiving it but an investigation by the USPS confirmed it was delivered and picked up by Rushmore 's 3rd party private contractor. They claim no responsibility and their " investigations '' find nothing. I've asked if they have video or other evidence showing it wasn't with their daily mail. 
I can not cancel the USPS money orders 60 days after purchase, which was XX/XX/23. I can then cancel each money order for {$25.00} and buy new money orders and resend it Priority Mail, but they have sent a NOTICE OF DEFAULT AND INTENT TO ACCELERATE, despite the evidence I've presented them. 
I mailed XXXX payment as usual and it was received on time. I am about to send XXXX payment and have enough to cover the missing XXXX payment as well, but they are demanding late fees and other fees as well. 
USPS told me just now that XXXX of the missing {$1000.00} money orders from XXXX was cashed on the same day that my XXXX payment was cashed. 
Furthermore, Rushmore, or their 3rd party contractor has repeatedly issued me erroneous late fees. Several times they have issued late fees when I had USPS priority mail tracking numbers showing on time delivery. They have argued and resisted reversing these charges and have stated charges were removed without do so. Additionally, before I started buying tracking Rushmore gave me several late fees when I mailed a week or 10 days before due date. Every time, the payment would be recorded as exactly one day late. What a coincidence.

USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (RI)

I recently noticed that there were a few accounts om my credit report that were not opened by me and then learned that unfortunately i was the result of identity theft/ XXXX field the necessary documents and sent them off to the credit bureaus with my identification attached. It has been over 2 months and they have not responded at all. I filed all of it over again but I also found out that they only have a few days to block the information in the case of identity theft and they didn't do any of what they were supposed to do. The accounts here are fraud. I need you to please help me!
Consumer complaint received 2024-04-10
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)

We have diligently paid our Home Equity Line of Credit with XXXX XXXX  for the past ten years. In XXXX, we were informed that we had missed a payment for our account. We went through all of our documents and saw that no payments were missed. We have the computer printout from XXXX XXXX  showing all the payments made, statements will be attached. We went to XXXX and spoke to a representative, XXXX XXXX, that agreed with us. She saw that all the payments were made and made several calls, to no avail. She was the only one that tried to help us. XXXX then falsely claimed to the three credit bureaus that we missed payments. We disputed the late reporting with the bureaus. The three bureaus sided with XXXX, despite us sending them the evidence that the payments were made. XXXX then closed our account and told us to open another account. It is impossible to open a new account when there are recent late payments on a current account. When we started to investigate this issue, the bank said that we had missed many payments and they had frozen the account since XXXX, without notifying us! We were then told that we did not miss any payments, but that when XXXX merged with XXXXXXXX XXXX  XXXX, and then with XXXX, this caused the issue. XXXX never unfroze the account. If we had missed payments, XXXX would have begun foreclosure proceedings or debt collection. 

XXXX closed the credit line in XX/XX/XXXX and provided an Adverse Credit Denial which stated that they closed the account due to information from an outside source, yet they do not provide the name of the source. Our credit reports do not demonstrate any review by XXXX Bank, redacted report attached. All the calls I made to the bank, which were two to three hours each, without any positive resolution were extremely frustrating and frightening. We have lost many business opportunities as well as needing the credit line to help our daughter that was recently diagnosed with XXXX XXXX. This has been very distressing and no matter who we turned to, no one could fix the situation. This has caused many sleepless nights trying to figure out who we can turn to for assistance.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-04-10
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. (CA)

I am reaching out today to notify you that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts. Following the guidance provided, I have directly contacted all relevant companies and initiated the necessary steps to address this issue. I have filed an identity theft report with the FTC and have diligently reached out to each company involved. Now, I am formally disputing the information associated with these accounts. Your assistance in resolving this matter would be greatly appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (ID)

I have and XXXX XXXX Barclays credit card. in XXXX I was contacted and asked about a charge made in XXXX XXXX ( I live in XXXX  and was not in XXXX XXXX  ) told them it was fraud. The card was canceled and the charge removed. XXXX received a letter it was my charge {$490.00} was placed back on my account. I called the fraud department multiple times. they said I needed to prove I wasn't in XXXX XXXX  on the day the charge was made. I asked to speak to a manager. Two days later a manager called said investigation was not proper. my address was changed and a card was sent to XXXX XXXX  Told me charge would be credited 24 to 48 hours.. That was middle of last week. Charge still shows. I called today to be told they had no record of manager talking to me and the only way a charge would be credited is if a new investigation shows it was fraud. In the meantime I owe the money. At that point I was very frustrated I asked to speak to a manager again and hung up ... ending up no further along than before.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-04-10
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. (TN)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-04-10
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. (LA)

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Account : Regional Finance Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$66.00} Account : XXXX XXXX XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00}
Consumer complaint received 2024-04-11
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. (CT)

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
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. (AZ)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Trans Union, Experian, Equifax Account names : Child Support account : XXXXXXXX1001.15 USC 1681 section 602 A states that I have the right to privacy. -15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions. -15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years. - 15 USC 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 any reasonable cause to believe that the information is inaccurate. ***** XXXX XXXX XXXX XXXX was " NOT AND HAS NEVER BEEN DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on all accounts " *****
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MA)

I would like to draw attention to the lies and misinformation that Shellpoint provides on numerous occasions. Please see the attached response from them. Some things of note : 1 ) Their timeline does not include all the details of pour interactions nor the interactions between the XXXX XXXX and Shellpoint where all the documentation and backup was provided. 

XXXX ) Shellpoint talks about losing payment through XXXX. These are their words and they are inaccurate. First, we paid by check, which they lost, yet we provided the cleared check with he stamp from their proven account. These are facts. 

XXXX XXXX Shellpoint has lost payment through TWO mechanisms. Online XXXX XXXX AND check. This is not a coincidence. 

XXXX ) XXXX XXXX from Shellpoint said our bank statements with personal information redacted was fine in writing. Now they are trying to say we didn't send them. This too is a lie on multiple fronts. We made XXXX XXXX aware in writing they had lost our information before and he said it was fine. If he had another ask, he never asked it. Further, these statements were provided by XXXX XXXX from XXXX to Shellpoint as confirmed by XXXX. So again, this is a lie. Finally, we said we're happy to send the full statements YET AGAIN, however, we want them sent to an executive, by name who has top personally sign for them. Not a low-level person or a general inbox, but an executive. I want them to personally sign given all the personal information they lost. 

XXXX ) they claim we haven't provided proof of payment but we did send the check and the statements showing the funds leaving and not coming back. We expect the check payment reversed. It's clearly stamped with the Shellpoint account.

6 ) We have asked MANY times now of XXXX that we want to be sent THEIR wires testaments for amounts on those dates. That keeps getting refused. Their letter says I have a right to " request documentation ''. I am exercising that right and they refuse. Show me all wires, from XXXX, on those dates for those amounts. If any come from XXXX on the XXXX XXXX, Shellpoint is either lying or made a massive mistake and are covering it up. It's simple, show we the XXXX wire logs.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX was supposed to help me with fraudulent charges and identity theft. They said they will take care of reporting and placing the right protections in place and help through every step, but failed to follow up and even place my accounts of hold or notify my creditors of my compromised accounts. Since XXXX when I first found my accounts were compromised, I have had problems and creditors aren't believing a word I tell them. Now that XXXX XXXX XXXX has come forth with my information being on and found in the dark web since XXXX or earlier, I hope this will help my credit history get back on track and wipe those debt away. You will see that all my card balances increased and I didn't notice due to autopay. Even my XXXX was taken from me.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I contacted all 3 bureaus on XX/XX/2023 requesting that they remove the stated accounts but I got no response from them. 

RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


XXXX. XXXX XXXX XXXX 
XXXX. XXXX XXXX 
XXXX. XXXX XXXX XXXX 
XXXX. XXXXXXXX XXXX XXXX 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (CA)

I would like to send money to Goldman Sachs ( Apple Card ) to pay off my balance. However, they have hidden my card number from me since I closed the account. Therefore, I can't tell my bank my account number so they can send money and pay off the balance. No one at Goldman Sachs told me when I closed the account that the number would be hidden from me. They also said I should " write my email address on a check '' and then send it. They said they could apply it to my account that way. However, this obviously doesn't work when requesting a bank send money directly to a card. 

I was also told " Apple Card doesn't accept balance transfers '' -- so basically they don't accept money from XXXX XXXX XXXXXXXX, where my card is, or XXXX, which is where my actual bank account is that has a credit card also connected to it. 

I can't add my account number to this complaint since they no longer allow me to have an account number.
Consumer complaint received 2023-05-06
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: Consumer Adjustment Company Incorporated (CA)

This company has never sent me a bill of verification of debt. I have disputed on my credit report but the bureau has not properly investigated. I have not taken a loan by phone out nor do I believe to owe this debt. I have also filed this with the federal trade commission.