davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I have loans that were in forbearance with XXXX XXXX XXXX. At the end of forbearance I asked for an extension and State Farm informed me the loans were in the process of being transferred to Rushmore LMS and I have to talk to them. I have not had any luck with getting a live person on the phone at Rushmore. Once, I did get a person and he told me he see 's it is in forbearance. At that time I asked that his company not robo call me. I told him I need to find out if it is going to be extended and what are my repayment options. He said he would get back with me in a week ( around the beginning of XX/XX/XXXX ). I did not hear back. I did receive another robo call from them a little later than a week on ( XXXX at XXXX XXXX eastern ) I called right back at XXXX and was told the office is closed. According to the time on their paperwork they should be open until XXXX pacific. I received another call on XXXX @ XXXX eastern and when I answered no one said anything. I said hello several times and no one said anything. All the other times Rushmore would call it would be a robot telling me to call them. When I did call right back I would be told it was after hours or I could not get a person on the phone. 
I was sent some documents and I filled them out and mailed them on XXXX XXXX, hoping to finally get a repayment plan since I was never informed if I was going to get an extension of my forbearance. 
On XX/XX/XXXX I received a Notice of intent to foreclose ( dated XX/XX/XXXX ), stating I have to give them the entire balance by XX/XX/XXXX. I sent Rushmore an email with the documents I mailed to them. I told them they robo call me and never answer the phone, they never gave me a relationship manager or an after forbearance repayment plan. I also told them I was going to file a complaint with the Consumer Finance I received an email response on XX/XX/XXXX informing me they received my documents and they are under review and will let me know within the next 30 business days. Rushmore informed me XXXX XXXX XXXX XXXX is the current owner of the loan. All this is good but they told me I had to pay in full by XXXX. Thirty business days is to late to get a reply. 
On XX/XX/XXXX, I got 2 more certified letters about foreclosure that was dated XXXX, XXXX, on 2 other properties that are in forbearance. Along with the forbearance letter I received home retention documents that were back dated to XX/XX/XXXX. One of the properties were less than 30 days late at the time of the foreclosure letter. 
I have a friend who have had problems of their own with Rushmore. On time payment were being made when they were sent a letter stating they were 3 months behind. Rushmore was not applying the funds. My friend made payments current again and Rushmore refunded their funds as an escrow overage. Needless to say, they never admitted fault or corrected it on their credit.
Consumer complaint received 2020-06-11
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. (UT)

Equifax ; XXXX  and XXXX are incorrectly reporting me as an authorized user on the XXXX XXXX partial account number XXXX. I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I requested a credit line increase today XX/XX/2022 and when I received a denial letter Capital One used a a credit report and credit score that is more than 60 days old ( XX/XX/2022 ). This is a discriminatory act. You can not base a financial decision today on in accurate information. Over the course of 60 days ( 2 credit reporting cycles ) many things can occur. Therefore, it seems illogical that a decision today is based on stale-dated data. 

I called Capitalone to request some assistance in reviewing their credit policies, and they stated they can base their decision on old data and that there is no solution to this issue. They can make a credit decision today based on credit data from 6 months ago. I requested to raise a complaint and requested a ticket number for tracking purposes and they said that its all internal and they notate the account. I asked for the compliance or legal department to address my concern and was advised they dont have one, and that all matters could only be resolved by customer service. 

The REP ID : XXXX Date of call XX/XX/2022 Time of call XXXX EST I believe the actions taken by Capital One are discriminatory and are not in compliance with the Equal Credit Opportunity Act ( ECOA ).
Consumer complaint received 2021-01-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I reached out to XXXX XXXX XXXX ( XXXX XXXX XXXX ) NMLS ID : XXXX at Bank of America ( XXXX ) in XXXX, Delaware XX/XX/XXXX to get assistance with applying for a mortgage loan under their first time home buyer program. XXXX was very unprofessional in handling my application by failing to provide important information about my application and not communicating with me in a timely manner. XXXX took weeks before responding to multiples emails and phone calls from me and didn't have much of my application processed after waiting over a month to get a preapproval letter. The few times I was able to get a hold of XXXX, she stated she would give me a call back with more information about my application and what steps I would have to take next. I still have yet to hear anything back from XXXX and it is now XX/XX/XXXX. This has delayed the home buying process for me and caused me to waste almost two months of my precious time. I attempted to contact XXXX 's supervisor in XXXX and have not received a call back. I would really like someone to reach back out to me letting me know my concerns were at least heard and how they will be addressed. Thank you.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-06-01
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. (FL)

I sent a letter to the Credit Bureaus on XX/XX/XXXX to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please remove the following items off of my Credit File : XXXX XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$930.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX  XXXX XXXX : {$350.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$0.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcydismissed Reference # : XXXX U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference # : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship.
Consumer complaint received 2023-06-01
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX ( XXXX creditor : CITY OF XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX CITY OF XXXX ) XXXX Balance XXXX {$620.00} ; 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 ; XXXXXXXX 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  on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XX/XX/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 2021-01-01
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: EQUIFAX, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I still haven't received a response. I feel as though I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so the items should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. On or about XX/XX/year>, XXXX purportedly sold account number XXXX to XXXX XXXX. XXXX indicated that the account was charged off, and {$1900.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX. XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. Including the tradeline on consumer reports makes it Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for one offense, which is tantamount to Double Jeopardy in criminal law.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Has been sending me collection notices in the amount of XXXX Balance updated XX/XX/2022 the collection has been reported as past due balance. 
I do not know this company. 
I have never done any business with this company. This company does not have a contract with my signature. 
XXXX XXXX XXXX XXXX keeps harassing me, calling me daily, there are no late payments, nor reported amounts have reported to the credit report.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Over a two week span dating from XX/XX/XXXX to XX/XX/XXXX, I was looking to buy a new car since my old one is due for a severe amount of repairs. I had several hard inquiries into my credit but since the payments offered were so high, I decided to not buy a car.
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

My account was transferred from XXXX to MOHELA. MOHELA does not have my account information accurately accounted for. Additionally, I have to tell them the same thing multiple times, and it still has not been changed. The chat ( for help/support ) feature has never worked or been unavailable every time I have tried to use it. 

The confirmation message when submitting a message through my account says that I should get a reply within 3 business days. However, it has taken approximately 3-4 weeks to receive a response, and their responses have yet to resolve any of the issues I have.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has came back to me and said the XXXX XXXX account # XXXX has been verified but it is inaccurate there is no such account with XXXX or XXXX under XXXX XXXX which is the Fair Credit Reporting Act ( FCRA ) section 611 sub section 5a it states Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


The above account with said credit agency is not valid i demand this account be removed from my credit report immediately
Consumer complaint received 2021-01-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (MS)

This company was XXXX XXXX but the other company brought it from them which I had already contacted beat but about this was a stolen card had to do a police report and all and have to dispute it. But this other company brought it and took me to court without me knowing it are anything about it til after it was sign in court
Consumer complaint received 2022-12-29
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. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 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 2021-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$12000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$4500.00} -This is not my account. 

2. XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Consumer complaint received 2022-12-29
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. (GA)

The accounts reporting on my file are fraud. I've sent in my etc report. They we're supposed to block and remove the accounts within 5 business days. they haven't done so. As of " 15 U.s. Code 1618c-2 '', they are violating the law and my rights.
Consumer complaint received 2017-05-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of America Ltd. (MD)

I sent a cease and desist letter to the collection agency,  Collection Bureau of America,  asking them to stop all efforts to collect debt on behalf of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . However, on  X/X/17   , I got notice that a new collection account was on my credit reports with  XXXX  and   XXXX   and saw that those entries were from this collection agency.
Consumer complaint received 2024-03-25
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. (CA)

I recently look my credit report and i was shocked to see that i have been victim of identity theft, I found on my credit report fraudulent account : name, address and phone number, that i want to dispute them, I am in the process to buy a new car this fraudulent information harm my credit report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Number XXXX ( XXXX ) XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX / Name : XXXX XXXX XXXX Fraudulent accounts : XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX