davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore llc purchased my mortgage during covid and while i was in loss mitigation from previous servicer.rushmore llc defaulted my mortgage and denied loss mitigation.My hid housing XXXX enrolled me into the state of new jersey XXXX XXXX XXXX XXXX delayed the process by not submitting documents required and reporting me late and missed payments to credit bureaus.Rushmore llc has many complaints online of these same pratices.also Rushmore llc continue call asking the status of mortgage and physically put notices on my door knobs
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valley Collection Service, LLC (AZ)

On XX/XX/XXXX I spoke with XXXX at Valley Collections regarding the validity of the utility bill as I was trying to recall what occurred from when I moved out of a home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount was over {$2500.00} I had utilities with XXXX in XXXX and with XXXX  XXXX XXXX. I was confused on this bill that appeared on my credit. I have called several times speaking with Valley Collections  to resolve this. 

XXXX informed me to settle this account with XXXX XXXX XXXX their client. I called XXXX went over the account with her and informed her I had a move out date of XX/XX/XXXX. I am trying to determine the validity of the debt and what occurred. That I would like to settle this debt based on my circumstances. 

She said that I have to discuss a settlement for the debt with Valley Collections if they agree to do this. I called XXXX back today XX/XX/XXXX at Valley Collections was informed it would be XXXX XXXX XXXX the client to approve. She said she did send over my letter for the debt validation to them and the offer I made. She did not get a response. 

XXXX asked I send the proof of my move out date and the settlement offer letter to her email. She will again send this over to XXXX XXXX  XXXX to see if they approve she said if they accept the offer they can agree to take the payment for the {$1600.00} I offered. 

In review of my bill the average is XXXX XXXX {$40.00} per month for a sewer at the time I lived at the residence. I was charged past my move out dates with any recollection I do not know what happened. XXXX XXXX  XXXX continue to charge me from XXXX of XXXX XXXX. 

I have been sent from Valley collections to XXXXXXXX XXXX XXXXXXXX back and forth several times while trying to find a resolution. 

I have attached emails, letters, and the proof of my move out dates.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (PA)

I closed both of my XXXX XXXX XXXXXXXX account on XX/XX/2014 On my Early Warning report bank reports " Consumer Removal Date XX/XX/2014 The phone number on the bank reports doesn't belong to me
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (LA)

Hello, I was recently contacted by XXXX XXXX XXXX about a past due debt charged off by Comenity Bank. Upon reviewing the alleged debt, I am certain this debt is not mine. I have called Comenity and requested documentation dating back until XX/XX/2020 ( when the credit card was apparently first opened ). They were unhelpful and told me they no longer had these documents. I told them under federal law banks are required to keep records for at least five years. After being transferred to the supervisor, he dismissed what I had to say and hung up on me. 

Alleged debt owed : {$1600.00} XXXX  Acct # : XXXX XXXX Acct # : last XXXX : XXXX
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Was offered a zero percent ongoing rate for cash advances by paying 4 % up front by Bank of America. I used the option advance XXXX and paid the one time fee. Then this month I was charged interest on balances I had not carried for 30 days because of the cash advance dollars used. So now I am paying daily interest prior to the 30 days on any charges because the 0 % cash balances are showing as unpaid balances. So in addition to the XXXX 4 % fee I paid, I just had to pay XXXX  dollars in interim interest I would not have us to pay if I did not use the 0 % advance. I will now go in and pay off it in its entirety after having paid them XXXX so I do not have to keep paying them $ XXXX a month for interim interest. It is a very deceitful practice to present it as a promotion that benefits the customer.
Consumer complaint received 2021-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$76.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$370.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$350.00}.
Consumer complaint received 2022-12-22
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. (MI)

Fraudulent Hard Inquiries on my account. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, The XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX There are also addresses and names that do not belong to me. 

XXXX XXXX XXXX ID # XXXX and XXXX XXXX Name ID # XXXX Addresses 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not addresses I have lived
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

Comenity - Explorer Rewards Card. 
Our mail has been slow ( mis-delivered ) for several months now. I've been receiving my statement about 7-10 days before the due date. I set up payment through my bank 's bill-payer, who has been increasing the lead-time on mailing payment to the creditor. I've tracked payments that have taken 10-14 days to reach the payee. Even one that arrived there 1 week before the due date. In all cases, the payments were posted late and late fees with interest charged. I've paid off the balance and paid the late fees for three months, while submitting the tracking documents to their service dept to request the removal of those fees. 
just received another statement showing an accumulated balance of late fees with interest along with new fees. The principal was paid off months ago. I pay all my bills on time, so why single out this card to pay late? Comenity XXXX said that I " could mail the payment months early, and shouldn't expect a waiver '' if they post it late, even if I prove it arrived 7 days before the due date ''. She suggested that I call in to pay over the phone every month. The irony is that I don't need to use the card. I had it for convenience and it is much easier to just pay with cash. Now I'm not inclined to even shop at the store anymore. But maybe that is the card company 's intention ; to run off customers for the company they serve. 
The last two months, I have remitted the full statement balance of the late fees, hoping that it would zero the account and stop it. I'm again going to pay off the full balance. The late fees are {$35.00} per month and the interest of a couple dollars is carrying over a balance. So, the late fee is 30 times more than the balance. Then the interest accumulates on the late fee, too. So three months later, they billed me over {$100.00} in late fees and interest for a payment that arrived before the due date ( see attached tracking history ). I believe this is a predatory scheme of loan-sharking. It is unethical and disgusting behavior for a credit card company.
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have 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.

These accounts are not accurate and I have caused great harm to my credit score. I have tried many times with the credit bureaus but they have failed to verify my accounts.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (MI)

( XXXX XXXX ) This company is a debt collector that recently added a collection account to my credit profile which I have no knowledge of. I have never did business with this company nor gave them consent to share/obtain my social or personal information. I have a right to privacy This account is under litigation.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

The XXXX XXXX Bank makes changes to the mortgage account and doesn't not allow to user to determine/know the changes unless you call the company. I was notified after the mortgage due date of a change in payment via letter, which was processed prior to the the payment due date. As a result, the amount I paid timely for my loan was marked an " unapplied payment '' and I received a letter later in the month notifying of the escrow change. The unapplied payment of the mortgage amount from the statement sat on my account with no action and I was deemed late for a {$11.00} escrow change, that I was notified of AFTER the due date. This is being penalized for timely payments. Additionally, when I called the XXXX bank to inquire about that change in amount, I was told to call the insurance company because the agent didn't know where the payment change came from. My insurance went up {$4.00} a year and that caused a {$12.00} a MONTH change in escrow. Thats doesn't add up. I called a 2nd time another day and a different associate helped with the needed information, but the escrow still doesn't add up for that chnange. Charges were applied because of a " late '' my XXXX payment but my bank shows no record of a reversal. No one can explain why it didnt process. I was not made aware of this by XXXX bank and until I logged into my account and had to all customer service for information. XXXX bank has no explanation on why this occurred. 

I am unable to make payments on my loan outside of the FULL monthly mortgage amount online. I have to call an often rude customer service agent to assist with that phone payment and then call again after it is processed to ensure to goes to the correct line item. I have never in the history of being a home owner experienced this level of disorganization, poor notice or lack of accountability. Notification of fees and changes to payments are severely delayed ( sent via letter ) but applied prior to sending the letter- to the point where the borrower does not have time to make changes. The statements are hard to follow and are not consistent. XXXX XXXX  's poor notification will cause issues. I have never had a late payment in 6 years until being serviced by XXXX XXXX.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights.

15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 also states that no consumer reporting agency is aloud to furnish an account without my written consent 15 U.S.C 1681 c. ( A ) ( 5 ) also states that no consumer reporting agency may make any report for any items other than records of conviction of crimes Account # XXXXXXXX XXXX XXXX for a late payment in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX ) for a collection of {$700.00} There are also accounts that I was not able to get the account numbers for that I also believe have violated my rights. These accounts include any hard inquiries or student loans that are currently on my report
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is failing to delete reports on my credit report that i dont have a contact with.. my personal information was sold to several different debt collectors without my consent and it violates the California Consumer Privacy act of 2018. I have no contact with any of the people listed on my credit report. None of them validate the debt when I requested it. I have no obligation to pay any of those people by law and all are committing fraud when they received my personal sensitive information My home addresses My birthday my social My email and phone number I have no written contact, i can only be bound by a contact. None of the original debtors have permission to give out or disclose my personal sensitive information. This all happened in California none of the contact with the original creditors where done outside of California all these debts occurred after the privacy act was established Im not bound or secured to any contact to pay anyone.. creditors have agreed to delete account but Transunion has not done so and should be held accountable
Consumer complaint received 2023-08-08
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-11-03
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: Nelnet, Inc. (TN)

My student loans were with Nelnet for many years. This year I applied for XXXX forgiveness and was granted it. Nelnet Transferred my loans to XXXX as part of this process in XXXX of 2023. My credit reports, after forgiveness, still show a balance on the NELNET loans of more than XXXX. XXXX is reporting, correctly, that these loans have a XXXX balance. I have disputed this through the XXXX bureaus. On the very first dispute, the wrong information was removed by XXXX, but both XXXX and XXXX state that the information is verified as correct by the Dept of Ed/Nelnet XXXX I disputed two more times with documentation, and continue to get the same response with no change to my reported balance. I have sent faxed copies of all of this, as outlined on their web site, to Nelnet. After over a month I sent it to them again. Weeks later I uploaded it directly on their site ( as instructed on their site ). As of today I have received no correspondence from Nelnet. The documentation I provided was the disputes themselves, Letters from both XXXX and Nelnet saying that the transfer and subsequent loan forgiveness happened, and screenshots from the studentaid.gov website showing a XXXX balance. I also sent them a copy of my NLDS text file. It is beyond frustrating that they keep " Verifying '' wrong information, and worse that I can not get a response from them. I also filled out a feedback complaint on studentaid.gov, and have not gotten a response to it either, after more than XXXX weeks. Can I sue Nelnet or the department of Education under FCPA? Maybe others are having this issue and we can launch a class-action lawsuit? Please help me resolve this matter as soon as possible, as it is a huge hit to the ratios on my credit, which negatively affects both my score and my purchasing power.
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts : 1 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have collections on my consumer report that is against the law. As determined by Congress, the credit reporting agencies are all in violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, under 15 U.S. Code 1681 ( a ) ( 4 ) Due the willful and knowingly violation of the law, my rights as been violated for me getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and close end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.
Consumer complaint received 2022-12-23
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. (MI)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7200.00}
Consumer complaint received 2022-12-23
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. (MI)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX COMP XXXX Balance : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7200.00}