davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I originally obtained a mortgage thru XXXX XXXX XXXX, XXXX  on XX/XX/XXXX, which was subsequently transferred to XXXX XXXX XXXX XXXX XXXX  and serviced by Rushmore Loan Management Services LLC on XX/XX/XXXX. During the height of the pandemic towards the end of XXXX I requested an extension to the loan maturity and was denied. The loan was refinanced on XX/XX/XXXX by XXXX XXXX XXXX I. Based on a payoff statement by Rushmore Loan Management Services LLC on XXXX XXXX in the amount of {$280000.00} I received a robo call approximately a month later from Rushmore Loan Management Services LLC. When I called back to inquire as to the nature of the call the representative informed me that the payoff was not met and the monies had been sent back to XXXX XXXX XXXX I., because they had ran a new payoff statement and the funds was short {$2000.00}. This was not communicated to me or the title company prior to closing and the difference in charges was referred to a additional fee we discovered after the fact, when I had the conversation with the company 's representative in mid XXXX. I questioned the additional fees and was given no explanation now the bank has filled foreclosure against me adding an additional charges for the sum total in the amount of {$290000.00}.
Consumer complaint received 2021-05-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (FL)

This is a very old alleged debt. Navient consistently call, text, emai and leave messages. During the pandemic when loans were supposed to be suspended, Navient has harassed me and did not cease from damaging my credit reports by not affording the protections encoded by law.
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: EQUIFAX, INC. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-08-09
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. (CA)

All these inquiries need to be deleted under federal law. Attached will be an FTC report. 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 . EQUIFAX : 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  YOU ARE IN VIOLATION OF 15 USC 1681b DELETE REMOVE
Consumer complaint received 2019-08-25
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: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. 
I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. 

account : 1. LAW OFFICES OF XXXX {$200.00} 2. XXXX XXXX  XXXX XXXX {$840.00} Sincerely, XXXX XXXX
Consumer complaint received 2021-05-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Specialists, Inc. (KS)

Company responded to last complaint threatening to sue. Ironically enough they share the same address with the attorney ( is this even legal? ) something is a little off about all of this - the company needs investigated. 
Also - they threw Kansas Statutes Annotated 16-201 in my face for interest however, it states NO MORE than 10 % per annum - according to their response to me the debt isnt even a year old and theyve racked up almost 12 % in interest fees already. 
Id like more information regarding the debt in question, as I believe its less.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (DC)

On XX/XX/XXXX of this year, I received the email from the Binance.US team titled Binance US | Deposit Failed Alert and followed the instructions as directed in order to resume deposit & withdrawal functions for my XXXX account registered to the email address XXXX However as of todays date XX/XX/XXXX, my account still disabled and when I check the status of my ticket # XXXX ( assigned to the person name XXXX ) I find, to my disappointment and disbelief, the ticket is under the SOLVED status. 

My account has approx. XXXX USD and due to their lack of response, I have lost thousands of dollars in trading. 

To my amazement, On XX/XX/XXXX I received an email from they titled " ACH Deposit Limit Increase '' saying " We are pleased to inform you that your 24-hour ACH deposit limit has increased to {$10000.00}. Thank you for being a Binancian - happy trading! Binance US Team '' but nothing account my account been disabled and no trading ability. It very hypocritical for them to ask me to deposit more money when my account is disabled for withdraw and trading.
Consumer complaint received 2022-11-02
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 am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MD)

I been XXXX sinse I was 14 years of age I am now XXXX years old. I tried college at XXXX University online. I stopped after 2 months. I was approved XXXX waiver. I did it my doctor signed it several times. And every year they keep saying I owe. It should be off my credit report and they won't work with me they said over and over again that u got ta file again. I filed like 4 times and was approved for 1 year and thry said it got ta be 2 years I will every step under XXXX guidelines to get this removed. Even contacted my stats congressman in maryland. Please help me
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I sought a legitimate {$26.00} refund request XX/XX/2021 within the allowed time period between the XXXX XXXX and XXXX XXXX XXXX but both companies gave me the back and forth putting the responsibility on the other. I have filed reports against these companies for fraudulent business practices with the FTC. I documented my conversations with both of these companies and have ID numbers for this. I provided all this to Citi which is very clear, regardless they denied assisting me with a resolution and didn't acknowledge that I clearly provided the necessary requested information from them.
Consumer complaint received 2023-06-02
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A Represnstive of XXXX took out of my band account {$470.00}. I don't have an account with XXXX. I did not Authorize for them to take this money out of my account. 

I made a one time payment for XXXX XXXX. He asked me if I could make a one time payment for him. 

XXXX tried to explain this to the merchant. They would not listen to reason. 
Capital One returned the money. Then they took it out again said that their was a contract so they couldn't do anything about it. This merchant took my money. The reason was because they kept my card on file when they were not suppose to do that. I need help with this issue. They are stealing from my account and Capital One is letting them by not giving me my money back. The bank did an investagation, it didn't help. 
thank you.
Consumer complaint received 2017-09-08
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. (PA)

It appears per Equifax 's website, it appears my personal information may have been compromised in the mass leak in regarding to my credit information as well as varying types of personal information including SSN and DOB. I have checked via my last name and last 6 digits of my SSN per their direction which they identified may have been impacted in the hack. In addition, a charge of approximately ~XXXX dollars was made on my credit card account on X/X/17 from Florida for a XXXX XXXX purchase. I do  not reside in Florida. Luckily I informed of the breach from my company and they were able to deny the charge on my account.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Date Opened : XX/XX/2022 XXXX
Consumer complaint received 2021-05-17
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. (NY)

Transunion and XXXX  have the same accounts. Why is XXXX  credit reporting different point than Transunion. It is not accurate. Transunion should be accurate with XXXX. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully Transunion and XXXX  will be on the same page.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

My mortgage was with XXXX XXXX Loans. This company sold my home loan to Fay Servicing. When I contacted Fay, I spoke to one of their agents who informed me that I would be receiving a package within the next two weeks. I never received the package and so I called back and was informed that Fay foreclosed on my mortgage. I immediately went online and found out that Fay was scamming me just like they did to many others. Fay was fined {$1.00} million for their illegal servicing practices. Upon checking the Summary of NC Mortgage Lending Laws and found out some things such as they must have an office in the state of NC which I think they do not. I hope that you can help me to stop Fay.
Consumer complaint received 2022-11-02
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weinman Acquisition Group (GA)

I received a phone call/voice mail from  XXXX  at Weinman Acquisition Group, she identified herself as working fo r th  e county,   the voicemail stated there are legal documents pertaining to my social security number that I need to sign and failure to do so would result in a court appearance on my behalf without me being present. I returned the call and they would not tell me what it was pertaining to and they hung up.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-08-09
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2021-05-17
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. (FL)

Hi, I am reporting about error in my credit profile. I found account that is not mine, somebody filed it however I am not connected to this account absolutely. Please I kindly ask you to remove it because I am victim of identity theft that's obvious.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

I co signed on a loan that was a refinance of an existing loan of mine.  The (now retired) employee that swore to me that this was a necessary thing to do to keep the loan from going into default lured me into a deceptive loan. I have dealt with this company in the past on small loans but they assured me that taking out t his larger loan to consolidate bills was a necessity. These people make you think you are a friend and they are looking out for your best interests.  They said I needed to put this loan in my friends name (who had debts  being paid off from the loan also) because "the friend" had a job and if he lost his job the loan insurance would make the payments.  The terms and conditions they gave us were NOT what we had been promised. After having us sign the forms I realized interest rates were changed and was told it was a binding contract and nothing I could do.  The terms were for 5 years near the end of the 4th year financial problems were incurred and they said they would modify the loan. No papers were offered, no terms given they just said it would lower the payment. We were left to assume the terms were the same.  What I later found out (from logging into my information online, which I was not told was possible) I saw the loan was extended for 12 more years.  The friend got into some legal trouble last year and because of that had to move.  I called the local office and explained to them the situation and asked if they could give me any  help.  The manager told me that  he couldnt do anything and that I needed to pay or go to court.  I have paid this loan for over 9 years approximately and for the amount borrowed I have paid the original amount borrowed and much more. They take out all interest first and nothing goes toward principal. 7500 (approx) was borrowed and by the end of the estimated 11 more years they tacked on the loan close to 50k will be paid! That is more than my home cost!!! They now cant find the primary lender and are harassing me non stop. I tried to work with them in the beginning and they refused. I spent 20 years being XXXX raising a son alone and repaired my credit only for these blood suckers to ruin me over their deceptive practices.  I have no issue paying for something I borrowed but this is not only robbery but it is unethical. It seems nobody is out there monitoring these companies.  This is why they split XXXX to take the mortgage and OneMain to personal loans. Easier to steal more money from lenders who try but cant get conventional bank loans. Our protection is nowhere to be found from our government who should be monitoring these companies. I can see why they can't keep employees there long. Anyone with any conscience would not work for a company like this.
Consumer complaint received 2021-05-17
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. (FL)

Hi, I am reporting about error in my credit profile. I found account that is not mine, somebody filed it however I am not connected to this account absolutely. Please I kindly ask you to remove it because I am victim of identity theft that's obvious.
Consumer complaint received 2017-09-08
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. (CA)

On XXXX XXXX, XXXX, it came to my attention that Equifax has allowed my credit report and information to be exposed to unauthorized parties due to negligent cyber-security practices. Furthermore, as part of their response, they have used a website to goad victims of this data breach into waiving their right to sue via agreeing to arbitration by signing up for XXXX their own ) identity theft protection and credit file monitoring services. 

These are unacceptable practices for a business in which security of consumer data is paramount.