davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

In XXXX of XXXX my mortgage was being serviced by XXXX XXXX. I contacted XXXX XXXX because I was attempting to bring my mortgage to under 90 days late in order to seek refinancing elsewhere. As per the instructions of XXXX XXXX I sent a psyment to them in the amount of {$1000.00} to be used with the existing escrow refund of {$1200.00} that XXXX XXXX said was being held in unapplied funds. Per the agreement the {$1200.00} would be applied as a payment toward the XX/XX/XXXX payment along with the {$1000.00} I sent in. This then equaled a total payment bringing the account under 90 days late. However, on XXXX XX/XX/XXXX a pyment that had already been posted to the account was reversed and once again applied on XXXX XX/XX/XXXX. When my mortgage did not show as under 90 days late on my credit report I found that there never was an escrow overage and that my Eescrow that was paid in XXXX was used to hide this error. At this po0int in time I asked to be put in the Home Preservation Program to seek a modification to me mortgage. On XXXX XX/XX/XXXX the first filing of foreclosure was submitted in Violation of the Federal Dual Tracking Law. Additionally, the dsappearance of my escrow funds was never truthfully explained and the sevicing of the loan was tranksferred to XXXX in XXXX of XXXX with inaccuracies in the total owed. Additionall, charges were added that violated the Cares Act. My mortgage was in forbearance until 1 XX/XX/XXXX when foreclosing was once again started in XXXX of XXXX which is strictly forbidden by the Dual Tracking Act along with missed payments sent to the credit reporting agencies.
Consumer complaint received 2024-01-22
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: DISCOVER BANK (MO)

Purchased refrigerator XX/XX/year>. Repairs needed failed so XXXX Customer Service agreed again to repair without charge and suggested buying a warranty extension due to the issues. I authorized charging my Discover Card for the warranty extension. When I got my Discover bill they had also charged for a repair part. I was never asked for payment when the repair was made, I never authorized charging my card for a part either orally, in writing, or by signature. No charge to my Discover card appeared on the receipt evidencing the repair. I assumed that XXXX took care of any charges as they had agreed. But a charge later appeared on my Discover bill. I disputed the charge. Discover ruled in my favor and later reversed. They took XXXX 's word for it, apparently not bothering to listen to Customer Service 's recording of my conversations or requiring any proof that I had authorized the charge. So, after 37 years of using my card for thousands in purchases and without incurring any interest or finance charges, I cancelled the card.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XXXX XXXX, I contacted PayPal customer service to report unauthorized charges linked to my credit card. 

This has been going on since XXXX  and I just decided to review my XXXX XXXX credit card ending in XXXX. 

I was told that PayPal would open and investigation. 

Then I called today and was told since the fraud charges were beyond 180 days their was nonthing going to be done. 

Then PayPal emails someone was changing the disputes from unauthorized fraud charges to items not received. 

I asked why was I seeing these emails and they said they have no idea.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (GA)

Over the last 15 years I have owned my own small business and have worked with XXXX  XXXX XXXX with business accounts and loans etc. 
I have had Chase Bank send me their Ink card information for at least 8 years and finally offered a good opportunity and I applied. My credit scores are XXXX depending on debt payments so very good normally. 

I was turned down. 

I am asking you contact them and ask them to take me off their list and I don't want to hear from them every again. I believe their advertising push is misleading and a waste of mail. 

XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (SC)

This collection agency has furnished a medical record to my consumer report illegally without my authorization under XXXX. XXXX is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge Permitted Uses and Disclosures The law permits, but does not require, a covered entity to use and disclose XXXX, without an individuals authorization, for the following purposes or situations : Disclosure to the individual ( if the information is required for access or accounting of disclosures, the entity MUST disclose to the individual ) Treatment, payment, and XXXX operations Opportunity to agree or object to the disclosure of XXXX An entity can obtain informal permission by asking the individual outright, or by circumstances that clearly give the individual the opportunity to agree, acquiesce, or object Incident to an otherwise permitted use and disclosure Limited dataset for research, public health, or healthcare operations Public interest and benefit activitiesThe Privacy Rule permits use and disclosure of XXXX, without an individuals authorization or permission, for XXXX national priority purposes : When required by XXXX XXXX XXXX activities Victims of XXXX  or XXXX  or XXXX  XXXX Health oversight activities Judicial and administrative proceedings Law enforcement Functions ( such as identification ) concerning deceased persons XXXX XXXX XXXX, or XXXX donation Research, under certain conditions To prevent or lessen a serious threat to health or safety Essential government functions Workers compensation The reporting agency are not listed under the XXXX priorities listed above. This illegal reporting of my medical record has caused me to be denied for a mortgage loan damage my reputation, character, and livelihood.
Consumer complaint received 2023-11-16
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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
Consumer complaint received 2023-04-30
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. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( these accouts are not mine )
Consumer complaint received 2023-09-15
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)

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 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I refer to the attached XXXX  Credit report file number XXXX dated XX/XX/XXXX specifically page 41, CHAPTER XXXX  BANKRUPTCY DISMISSED as clouded. See Attachment 01.

As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
Consumer complaint received 2018-05-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC (AL)

I am receiving repeated calls at least 4 times a day or more to my place of employment, personal phone, boyfriends phone and family members phones. A message was left with personal information to my boyfriend 's phone as well!! I have explained that I can not make a payment at this time but have been making an effort and made precious payments. The company also will not send me information that I have asked for and will not mail anything to prove they are a legit company and not scammers.
Consumer complaint received 2018-05-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XX/XX/2018 I transferred {$1400.00} to my aunt in XXXX XXXX and I paid {$16.00} as fees. XXXX told me that the person should receive it in 10 minutes. My aunt went to XXXX  in XXXX the next day, they told her that she has to go to XXXX. She went and they told her that the transaction wasn't well done to call XXXX. From XXXX, I called myself, the first person told me that it can be resolved to wait a moment. Then another person came, I believe he isn't in USA, asking me same questions plus my license # and the reason for the transaction. When I said that it was a gift, he declined to process the transaction and told me to go back to XXXX they will reimburse the money. All the burdens for nothing.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-16
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (AZ)

Citibank issued XXXX credits cards for Home Depot and Best Buy with purchases without my consent or knowledge. Cards received in the mail. XXXX XXXX sent letter requesting additional information. Why Citibank did not do the same
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$850.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2017-02-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KS)

I 've been given the run around multiple times and even forced to pay extra than my already agreed upon set monthly amount. My account online still says it is past due but today Navient has told my that my account is current. 

After being disconnect multiple times, with what I think people not wanting to figure out what is wrong with my account, I finally got through to someone who told me that because I made a previous agreement that I am fine and my account will be current, but the website will not reflect what agreement is made over the phone. I feel like this is a huge act of deception and could cause people to overpay/ or cause financial problems to some. 

Even after being told that our account is current we continue to get calls from an automated line from Navient saying our loan is due to be paid. 

I am scared that late fees are being charged and I am not being told about them and that this cycle will continue. They also seem to misallocate my payment as each of my student loans gets a different amount each month. 

Obviously there is more problems going on but I am unable to type all of them out. This is from loans when I was at school at XXXX - XXXX.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed my checking account ending in XXXX without my permission or knowledge. This is a XXXX account I have had for over XXXX years. I have contacted Wells Fargo and they could not reopen the account stating that I needed to open a new account If I want.
Consumer complaint received 2023-09-22
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. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX and XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (GA)

On XXXX  I Opted Out of credit reporting from MTB. They have NOT complied with the federal law and have not trained their staff to comply as well which is negligence on their part. 

For years I have been requesting that MTB opt me out from credit reporting, via notarized documents mailed via form 3811. 

The culture of MTB is to write letters stating that my requests are frivolous and they will not answer similar complaints. 

I was able to find my original closing documents for other legal reasons and here is the disclosure that they refuse to send upon request or honor. 

see attached. it is XXXXXXXX XXXX per violation per federal law. 

And I am seeking compensation for 15 years of illegal reporting, late payments, balances, date open, and all private intimate information. 
I have call recordings of when you dial into their employees they state that they can not stop reporting to the credit bureaus they MUST or they HAVE TO. 
I have letters from MTB also STATING THE SAME AS WELL. Through complaints, i submitted through the CFPB in the past.
Consumer complaint received 2018-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

OnXX/XX/XXXX I sent a letter to TransUnion, LLC and to XXXX XXXX XXXX demanding the following information from both companies : 1. Original, signed contract and/or promissory note with my signature ; 2. Copies of documented proof that XXXX XXXX XXXX is lawfully entitled to conduct the business of debt collection in the State of Alabama fromXX/XX/XXXXXX/XX/XXXX to present ; 3. The entire account number of the alleged delinquent account ; 4. Proof of documentation used to support the statement " meets FCRA requirements '' as stated on my credit report ; 5. The name ( s ) of the person ( s ) who authorized to place " meets FCRA requirements '' on my credit report ; 6. Documentation used to support their validation and verification of the alleged account ; 7. Name ( s ) and telephone number ( s ) of the person ( s ) in their company who had 1st hand personal knowledge who was to verify and validate the alleged account.

The only response I have received as of XX/XX/XXXX was from XXXX XXXX XXXX with an attached copy of an invoice/bill which lacked any signatures of whatsoever nature. No signed contract and/or promissory note was included nor any other demands from the aforementioned list. The alleged delinquent account still remains on my credit report. This is in clear violation of the Federal Credit Reporting Act.

I have documention letters but I am unable to attach it. I can forward to an email if you should provide one.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have reached out to all 3 credit bureaus to verify debt with the furnisher for the following companies : 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 I have not received original contract from either company to date. 

Dates of mailed letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMO Bank, N.A. (CA)

My husband, XXXX XXXX XXXX, and I recently ( 9/23 ) opened a HELOC with Bank of the West ( Which has then since been acquired by BM O, NA ). The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance.

I later found out that we were 60 days late on payment
from the Credit Bureaus. We immediately contacted the bank ( now BMO ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the Bank of the West had been acquired by BMO and they were still transitioning to a new " unfamiliar '' user interface. 

Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.