davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX Midland Credit Management placed a collection for a XXXX XXXX XXXX store account on my credit as a collection. The amount listed is {$930.00}. I have not opened, nor authorized anyone on my behave to open, this account.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXXXXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I did not authorize these accounts. I have made a report with IDtheft.gov about these accounts. Attached to this complaint is my report.
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (CA)

To whom it XXXX concern : Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ( XXXX ) XXXX I was asked to upload my FTC REPORT and forgot to upload a copy of it with my previous letter for inquiry disputes so below is my FTC REPORT for proof of identity theft. 

THANK YOU ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/1992 XXXX
Consumer complaint received 2021-05-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My mtg. escrow had an overage of XXXX, which was suppose to be mailed out on XX/XX/2021. As of XX/XX/2021 I have not received the check. I have talk to the Loan care several times. They said I had to wait 30 days before they can reissue the check. But they never mailed it because I have received two bills, and two other letters form them since XX/XX/XXXX. I want my check they are holding from my overage in escrow.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (CA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items. Thank you. 
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 2023-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc. (TX)

I have an account with the company, Crypto.com. On XX/XX/2023 I initiated a transfer from my fiat wallet to my credit union, XXXX XXXX XXXX. The funds showed they had been removed from the Crypto.com fiat wallet, with an anticipated deposit time of 3-5 business days. When that time passed, I contacted the company to see if there had been a problem. My XXXX XXXX verified they have not received any funds, and there is no error/notes on my account about an issue. Every contact I have had with crypto.com has been via in-app messaging or email, as they do not have any phone numbers publicly available. When I received constant canned replies, from different reps every time, saying they were looking into it, I finally asked for the email for the CEO or CFO, and they would not give me any ability to escalate. I have never been informed if the funds were returned to crypto.com due to some error/issue, or had anyone give me ANY concrete information about options, timelines, progress, or status.
Consumer complaint received 2023-11-12
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery reported a collection on my credit report on XX/XX/2022. I was unaware of this debt until I reviewed my credit report. Portfolio recover has never contacted me nor sent me a validation letter that would make me aware of this debt or give me the opportunity to dispute the information. I disputed this with the Credit Bureaus who have not been able to provide me with a copy of the contract signed by me. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (MO)

My mother passed away in XXXX of XXXX. On XX/XX/XXXX her condo was sold and the mortgage was paid in full. At the time of closing we paid all taxes on the property and were to be reimbursed by the lender ( Truist Bank ) for the {$1200.00} in the escrow account. 
The title company provided Truist with the new address for the escrow check. They ignored the request and sent the check to the old address. 
After 30 days of not receiving the escrow check I called Truist and they stated that since I was not on the mortgage they would have to send me paperwork. I did the paperwork and sent it back in. After multiple requests from Truist for additional information they finally mailed a check to the proper address. The check was dated XX/XX/XXXX. I then received a check a day or 2 later for a check dated XX/XX/XXXX. 
I called Truist on XX/XX/XXXX to find out which check that I should be depositing they told me there was a stop payment on the check dated XX/XX/XXXX that I should deposit the check dated XXXX/XXXX/XXXX. This check was deposited on XX/XX/XXXX. 
On XX/XX/XXXX the bank reached out to me and stated that Truist had cancelled the check and that I would then be charged the check cancellation fee in the amount of {$10.00} and the {$1200.00} would be removed from my mothers trust account. 
As of today XX/XX/XXXX it has been 72 days since we have sold the property and paid the mortgage in full and we have not received an Escrow return check that is valid.
Consumer complaint received 2023-09-07
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. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

A credit card was applied for and approved fraudulently. I called Bank of America and they closed the account and want me to send them copy of SSN card and ID card along with form to receive the fraudulent application. As of now, they have not contacted the credit bureau 's to reverse the account.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-11-12
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (CA)

I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Cardinal financial sold my mortgage to XXXX on XX/XX/XXXX of 2022, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to cardinal after they had sold the account cardinal sent the payment to XXXX. Then the next month when cardinal received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted cardinal who told me they had sold the account. Then I contacted XXXX at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to cardinal on time and a good faith letter from cardinal admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

Cardinal should have never returned my payment. They should have sent it to XXXX and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit report.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2023-07-07
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: Nelnet, Inc. (MI)

My student loan was transferred and I had no knowledge of it until I got an email saying welcome to ur new loan service. The old loan was removed and the new loan was applied. Taking my credit scores lower than normal.
Consumer complaint received 2023-03-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (CA)

On XX/XX/2023 I applied for credit with MERCEDES-BENZ and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a MERCEDES-BENZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Bankruptcy : Bankruptcy ) I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as it does not belong to me. This account is reported false through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In XX/XX/2020 I advised representative to update my payment information. The company continued to auto draft from an incorrect account, I call multiple times to correct this issue and finally issue was corrected. The agent agreed to waive all fees and assure that I would not be reported negatively to the credit bureaus. The following month I discovered the delinquency reported and once again they stated they would correct the issue. The account was current and the issue resolved. Even with the the auto draft issue there were no late or delinquent payments. The are very difficult to deal with and do not honor what they say.
Consumer complaint received 2023-08-15
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. (MD)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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
Consumer complaint received 2023-08-15
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. (NY)

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 U.S.C 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 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 the information is inaccurate.
Consumer complaint received 2021-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

In XXXX, I obtained equity line of credit from XXXX  XXXX XXXX. I was making payments until XXXX when I filed chapter XXXX bankruptcy in attempt to redeem a different property the XXXX XXXX XXXX staffs fraudulently sold. In XXXX, XXXX  XXXX XXXX without notification transferred the equity line of credit with a balance of about {$25000.00} to XXXX XXXX and investor simultaneously obtained the mortgage. Still on bankruptcy, there was no monthly statement received to request for payments because of the active bankruptcy. In XXXX, my attempt to redeem the property that the XXXX XXXX XXXX staff sold. I requested for voluntary dismissal of the application. Shortly the investor/XXXX XXXX, XXXX, not in its individual capacity but solely as trustee for the XXXX Trust, Series 2016-CCT filed a foreclosure action and obtained a judgment on pleading in the amount of about {$43000.00} around XX/XX/XXXX. I communicated with XXXX XXXX to pay off the equity line amount. Suddenly, I began to receive communications from Rushmore Loan Management Service threateningly to foreclose. I offered {$3000.00} and {$40000.00} as full settlement but each offer was rejected. I applied to be considered for modification but the manager called XXXX and XXXX considered to be my contacts persons had interest to sell the property to themselves or some investors they know. I filed a complaint with the company and contacted housing counselor to help resolve the problem. The housing counselor XXXX XXXX XXXX contacted Rushmore LMS and forwarded offer for {$28000.00} because about {$12000.00} repairs has been completed in the home. I intend to take possession as soon as some other repairs are finalized. On XX/XX/XXXX, I called to request if the offer was accepted. The offer was denied and received a final postponement of sheriff sale dates to be on XX/XX/XXXX. Currently, Rushmore LMS demands for {$62000.00} as of XX/XX/XXXX. I forwarded a request for explanation of how the equity line of about {$25000.00} as at XXXX has gone that high from XXXX to 2021.No explanation was received. I want help to stop Rushmore LMS from creating accounts to increase the balances of the equity line of credit and advise the attorney representing Rushmore LMS from identifying the loan as executed mortgage dated XX/XX/XXXX. It was equity line of credit of {$25000.00} I obtained from XXXX  XXXX XXXX on XX/XX/XXXX payments was made on the equity line of credit until XXXX at the time I filed XXXX XXXX XXXX Rushmore LMS and investorXXXXXXXX XXXX XXXX, not its should please accept the {$28000.00} recently offered on my behalf by housing counselor as full settlement or counteroffer. Otherwise, I demands for detailed explanations of all the charges appearing on the payoff statements that made up {$63000.00} requested as payoff as of XX/XX/XXXX, recognizing that insurance was paid by me prior to XXXX and XXXX was paid in full by me.
Consumer complaint received 2023-07-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (KY)

We can not reach the company to pay the mortgage. We've had issues in the past with falling behind, but we always manage to get ahead again. We have fought this company about a handful of things. One being that my wife and I have tried getting my wife on the account since we signed the papers at the very beginning. We've tried mailing our 3rd party Auth forms to them, we've tried the over the phone method, and lastly we tried e-mailing them the forms. We've had 4 different people say they have received said forms, but here we are years later, and my wife is STILL NOT on the account to get financial information and make payments, etc. Secondly, the company advertises the " Call-back '' feature on their phone line, but when you opt-in, you never receive any call back from ANYONE at VC & I. We've had a foreclosure submitted by these guys, because they never return 6-months worth of phone calls to make the late and future payments. IF we need to get the emails, call logs, and other documents, we have all of them upon request. And lastly, the incompetent employees also are rude and very unprofessional.