davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

To Whom It May Concern, I would like to place a written complaint with Loan Care (   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  ). After numerous phone calls requesting an explanation of my Escrow account including the removal of my PMI dating back to XX/XX/XXXX , I have yet to receive a single return phone call or Email. Any and all efforts made have been on my behalf. Any speaking to several different customer service employees including "  XXXX ,  XXXX  XX/XX/XXXX  and   XXXX     XX/XX/XXXX  '' and being promised that a manager would call me back regarding my concerns, I have yet to receive any phone calls. After being previously told that my PMI would be removed once my original loan amount was paid to 80 % or below, the PMI would be removed automatically. On   XXXX   XXXX   I was told that I must place a written request to have the PMI removed, which I did and immediately received a replay email on that day. The replay email stated that I please wait 5 days for a response. As of  XX/XX/XXXX  I have not received an Email, Hard copy or a return phone call. This company has the worst customer support group that I have ever worked with, regarding any phase of business. I do have copies of the corresponding emails.
Consumer complaint received 2023-10-07
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: EQUIFAX, INC. (CA)

Equifax has not responded to my many letters requesting removal on inquiriesthat are incorrect and unauthorized. These inquiries are not on the other 2 creditbureaus. I have sent multiple certified letters with tracking and return receipt ( attached ). From XXXX until present day I've been sending letters ( attached ). It isunfair to be ignored and the severity of not taking my situation seriously has causedfinancial injury and defamation of character.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

On XX/XX/2023 I was enrolled into the short - term payment plan with US Bank. This payment plan was scheduled for XXXX months and authorized direct draft payments of {$82.00} from my bank account. The first direct draft payment was auto drafted on XX/XX/XXXX. On XX/XX/XXXX I decided to pay off the entire balance in full. Nothing on the enrollment confirmation mailed to me states that derogatory information would be reported to my credit report during enrollment in the short term payment plan. However, US Bank has reported to the major credit bureaus that I was late in XXXX and XXXX of this year. This is inaccurate and illegal because the short term payment plan does not state anywhere that derogatory information will be reported to the credit bureaus while payments are being made. This activity does not align with the FCRA. The account was not delinquent XX/XX/2023 XXXX XX/XX/2023.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below..

According to 15 USC 1681e Compliance and Procedures section ( 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-06-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

I was forced to file emergency bankruptcy to prevent my home from being illegally foreclosed on and sold on XXXX XX/XX/2023. Rushmore violated the Federal Dual Tracking law and did not follow the required servicing guidelines for a VA loan. Now I will have a derogatory mark on my credit for another 7 years. Currently I have submitted my application to the Home Rescue Program and signed the third party authorization. Rushmore has signed up in this program. This program can pay up to 48 months of arrears. Also, the VA has similar options and programs available to modify my mortgage.
Consumer complaint received 2023-04-19
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. (PA)

i recently had someone assist me on viewing my credit report upon doing so i realized that there were numerous accounts that do not belong to me and it has made my day to day living almost impossible and making it hard to move forward with my life i believe that i might be a victim of identity theft and because of so i have attached a copy of the identity theft report i filed
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

1

5 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt-Balance claimed including all fees, interest and penalties-Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2024 I had an unauthorized transaction from XXXX XXXX XXXX of XXXX. The transaction posted on XX/XX/2024. I was unaware of the transaction because it never showed as pending. The charge is unauthorized. I filed a dispute with Chase Bank and it was denied on top of another transaction being made at the same place for XXXX that the bank gave me credit for.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I got a chase security alert that said I was trying to send a XXXX payment of XXXX dollars to a XXXX XXXX which is my daughter, and I responded no. I went to check my account and saw that XXXX had been transferred to my main account and XXXX withdrew from account, i called the chase agent, and they said nothing could be done until the pending payment was processed, which defeated the purpose. 
the payment went thru and when i tried to dispute it they denied my request for a reversal i check with my daughter and she has now record of this payment and does not have an account with the bank involved with this theft.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

Ive had numerous issues with Wells Fargo since 2021. My accounts have been hacked, compromised, switched along with my online accounts. I was charged overdraft fees when I shouldnt have and my accounts have been closed without my permission
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The following accounts on my credit report are not mine : XXXXXXXX XXXX XXXXXXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$420.00} XXXX. XXXX XXXX XXXX XXXX {$260.00} XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX. XXXX XXXX {$750.00} XXXX. XXXX {$990.00} I have reported them to Federal Trade commission identity theft report # XXXX
Consumer complaint received 2023-10-06
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)

The following accounts on my credit report are not mine : XXXX. XXXX XXXXXXXX XXXX {$800.00} XXXX. XXXX XXXX XXXX XXXX$420.00} XXXX. XXXX XXXX XXXX XXXX {$260.00} XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX. XXXX XXXX {$750.00} XXXX. XXXX {$990.00} I have reported them to Federal Trade commission identity theft report # XXXX
Consumer complaint received 2023-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP (TN)

Someone used my maiden last name and current phone number as a ( reference ) for a loan at Security Finance in XXXX Tennessee. Well evidently they defaulted on the loan because this company keeps calling me leaving messages and harassing me trying to locate the person who got the loan. I have told them over and over I don't know where he's at I don't have anything to do with him please quit calling they continued. I have been talked to in an inhuman way that was totally uncalled for just so I could be taken off of the list... what's so strange is that this person that calls me from this company is using my maiden name which I have not used in 42 years. I'm not sure he used me as a reference I think they're just looking for family members to try to locate this person. 
Unethical.
Consumer complaint received 2024-09-12
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. (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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 's.

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 record of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (NY)

NEW ACCOUNT MADE WITH MARCUS BY GOLDMAN SACHS TRANSFERRED XXXX FROM CITIBANK ACCOUNT WENT TO WITHDRAW XXXX TO PURCHASE NEW CAR, ACCOUNT LOCKED XX/XX/XXXX. 
CALLED TO UNLOCK IT, PHONE NUMBER WAS STILL SWITCHING OVER TO MY NAME SO AFFIDAVIT OF IDENTITY WAS REQUIRED TO VERIFY TO UNLOCK ACCOUNT. 
FIRST AFFIDAVIT WAS NOT SENT, RECEIVED SECOND ONE ON XX/XX/2023. RECEIVED BY COMPANY ON XX/XX/2023. 
MULTIPLE REPRESENTATIVES GIVEN INCORRECT INFORMATION EVERY TIME, FOLLOWED DIRECTIONS PROVIDED BY THEIR COMPANY REPRESENTATIVES. WAS TOLD TODAY AFTER TOLD MULTIPLE TIMES WHEN AFFIDAVIT WAS GOING TO BE VERIFIED IT WAS REJECTED AFTER FOLLOWING THEIR COMPANY 'S DIRECTIONS. 
I SPECIFICALLY ASKED IF I SHOULD BUT MY ADDRESS ON MY DRIVERS LICENSE, WAS TOLD THAT IT WAS REJECTED DUE TO MISMATCHING ADDRESSES? NO FURTHER CLARIFICATION. A REPRESENTATIVE SPECIFICALLY TOLD ME TO DO THIS AND NOW IT WAS REJECTED. 
WHEN ASKED IF MONEY CAN BE SENT BACK TO ACCOUNT GIVEN NO ANSWER AND UNABLE TO SPEAK TO ANY MANAGEMENT REGARDING ISSUE X1 HOUR. 
XXXX USD CURRENTLY LOCKED OUT OF ACCOUNT SINCE XX/XX/2023.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I can no longer get access to my credit repor t ( s ) fr om ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my rep ort ( s  ).     I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 bu siness days. I further DEMAND that all the disputes be FINALLY, corrected and updated.
Consumer complaint received 2022-11-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I received a check in the mail for XXXX in XXXX or XXXX of XXXX. I cashed the check because at the time i was traveling from state to state with my XXXX XXXX XXXX son who had XXXX in efforts to try and save his XXXX  so my expenses were heavy and my income was not. I paid the loan as i could but near and after his XXXX  things became increasingly tight and as things got tighter for me the collection efforts at the company became more and more aggressive. Which I understand because I myself am a XXXX  XXXX for a XXXX XXXX and have been for over XXXX years. So I am well aware of hardships, modifications, all of which were denied to me. I explained over and over that i had willingness to make payments but the payments i could make often the manager XXXX would decline. Many times i could not afford XXXX $ so i would drop a payment to the office of of XXXX $ and event XXXX $ thinking i can pay as i get money because getting a whole XXXX $ deemed almost impossible but the office would mail the check payment back to me. I am in the possession of 3 returned letters from the office where they mailed my checks back to me. They always tell me that my account is in legal status or they cant take a partial payment or nothing can be post dated to my payroll day, I work with people everyday and I pride myself on being firm but fair but most of all I operate with compassion which we all need in this day and time. I know that XXXX gives me a hard time because i work in the same field but we are far different a manager. I would drive all the way to his office and drop a check in the slot that he will get on a Thurs and be dated for Friday and he will mail it back saying its against the law to take a post dated check. I have worked for XXXX companies XXXX XXXX  XXXX  and XXXX and none have stated that a post dated check is against the law. I called the office a couple days ago to make a payment of XXXX $ and they would not take it because they explained they could not take less than a payment and they could not take it by debit it had to be cash in the office. If this office is turning XXXX 's of dollars away from me who else are they sending money out of the door back to. My last straw was i looked over my finances and wrote out XXXX checks for XXXX $ each to post every two weeks to close out my balance and guess what i get in the mail today all the checks. I understand the rules of finance very well but where is the help. i explained to them i had a XXXX XXXX then i had to XXXX him from so the medical bills and cost of XXXX  took me so far back but its these times that consumers look for assistance not to be looked at like we are not human. I will pay my balance with the company because i owe it but they have made it very hard to do.