davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one has an account that originated in XXXX, in XXXX my husband 's wallet was stolen and they issued a new card. At some point XXXX bought capital one, and subsequently sold my debt to XXXX XXXX XXXX. According to XXXX XXXX XXXX, The debt is the capital one account that they are collecting on and they purchased it in XXXX. They indicate that the XXXX years is from the date that they purchased the debt and it will not just fall off until XXXX. These are reported separately on my credit report and I have disputed it several times. Neither company will remove the negative remark nor will they provide proof I had XXXX separate credit cards that I opened. I have never had a credit card with XXXX nor did I have XXXX capital one  accounts. The XXXX XXXX  account that was opened by my XXXX prior to my XXXX  should have been dropped off credit XXXX if this year.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am having trouble getting the credit bureau 's to remove the fraud alert from my credit report. I am recently new home owner and need this information to be removed ASAP. This fraud alert is preventing me from doing things I need to do for myself and my family. It is embarrassing and each time I try to use my own credit I'm getting denied but still getting points deducted from my credit score. I thought this would protect my credit but is hurting it instead.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

American Express has added two credit card add on products to my credit card. They are Lost Wallet Protector and Credit Secure. Both products are very similar and are sold by American Express. Neither add on was needed nor wanted. Since I did not sign up for these products, they were never used and no benefit was ever received. I am a senior citizen on a fixed income and have limited ability to communicate in English since Spanish is my primary language. I have been retired for many years and only found out this month that both charges were for credit / identity monitoring services. Credit Secure started charging on XX/XX/XXXX and charged {$14.00} every month thru XX/XX/XXXX. I did not ask for the service to be started or stopped. Furthermore, this service is online and I never even logged on to see it since I have limited digital abilities. Lost Wallet Protector was also charged {$39.00} to the same credit card. After calling American Express, I found out that until XX/XX/XXXX it was charged yearly. American Express would not tell me when these charges began but I found them every year since at least XX/XX/XXXX. Previous years were probably charged, I just don't have copies of those statements to verify it. I did not ask for Lost Wallet Protector nor did I cancel it since I was not aware of it.
Consumer complaint received 2020-04-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020 I sent a letter to XXXX XXXX XXXX  related to a reported late payment being reported in my credit report. I notified them that I am disputing this and asked for verification or proof bearing my signature. Within 30 days I had heard nothing back from them nor did they Mark this item on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question and I haven't heard from them since they received this letter.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am having trouble getting the credit bureau 's to remove the fraud alert from my credit report. I am recently new home owner and need this information to be removed ASAP. This fraud alert is preventing me from doing things I need to do for myself and my family. It is embarrassing and each time I try to use my own credit I'm getting denied but still getting points deducted from my credit score. I thought this would protect my credit but is hurting it instead.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant XXXX {$92.00} XXXX {$91.00} XXXX {$100.00} XXXX {$1000.00} XXXX {$1700.00}
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$530.00} XXXX  XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$210.00} XXXX  XXXX  XXXX {$940.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX {$530.00} XXXX.XXXX  XXXX {$12000.00} XXXX XXXX {$98.00} XXXX XXXX   XXXX  XXXX {$40000.00}
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc. (GA)

The collection agency has used deceptive practices by serving me at an address that they knew that I did not reside at because they pulled my credit. I also did not know that this company won in court a default judgment in which I had a judge vacate because I was never properly served. 

I also sent a letter to validate the debt not knowing that I had even lost a case with USPS tracking number XXXX that clearly states on my return information that my address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX. They replied to my parent 's address. The only reason I found out was my dad had XXXX on XX/XX/2019 and I went home to help him with his recovery and that's when I went to court to get a motion to vacate. 

This company practices deceptive practices and should be punished for its willful violation of the FDCPA.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: Experian Information Solutions Inc. (MO)

Experian is reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report along with a copy of a spreadsheet of accounts for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (AL)

Amsher Collection is incorrectly report a derogatory mark to all three of the credit bureaus. Account was taken care of with the original creditor XXXX XXXX. XXXX  was charging us for equipment that was not returned after the account was closed. Contact XXXX  on XXXX XXXX, 2020 and they email us the three ( 3 ) separate labels to return 3 different pieces of equipment. The equipment was mailed back via XXXX to XXXX   AND accepted at XXXX XXXX  loading dock on XX/XX/2020 @ XXXX XXXX. I contact XXXX  network directly and they credited the account for the equipment, waive the early termination fee because the contract was cancelled because a truck stuck the home rendering it to be unlivable and eventually the home was torn down. After they credited the account the remainder of the balance {$150.00} was paid in full directly to the original creditor XXXX XXXX. Amsher refused to remove the incorrect negative information citing the account is no longer with them it is now with XXXX XXXX XXXX @ XXXX. I have contact XXXX XXXX the advised they no longer see a balance and to contact Amsher to have the incorrect balance removed. We disputed the information with the credit bureau and Amsher continues to report incorrect balance.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing due to non-compliance with XXXX, XXXX and Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have tried to dispute 3 charges for a cruise which was canceled by XXXX XXXX per my deposit agreement.1st USAA claimed that VISA was prohibiting them from completing the dispute and that I  needed to allow XXXX " reasonable '' time to process refunds.I allowed this time to pass. However, I did not receive my refund and requested USAA to reopen my original dispute. USAA is doing everything in their power to avoid assisting me with this matter! Asking me to wait for call backs which take over 24 hours and if you miss the call it takes another 24 hours .... I have submitted along list of documents to USAA to support my claim including a copy of my cruise contract, proof that it was canceled and copy of the documents that XXXX sent me confirming that I would get a refund in 45 days. At this point I feel as thought USAA is in direct volition of our deposit agreement as they they have only opened one of the 3 disputes for the smallest charge. continued refusal to assist with this matter will only continue finical harm.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. Today I am going to contact CFPB, FTC, XXXX, XXXX, and the NATIONAL CREDIT UNION ADMINISTRATION ( XXXX ) .The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were required they just waited. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, TRANSUNION and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP. It doesn't take this long to write off a hardship and delete it from a report.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XX/XX/2020, I submitted a claim ( # XXXX ) with USAA Federal Savings Bank because there had been fraudulent activity on my account. I submitted the claim because money was transferred from my account via XXXX for a total of {$990.00}. The person who stolen the funds, I have no relation nor have I made any purchase of any kind. The person is named XXXX XXXX, phone number XXXX. To access XXXX for any transfer, I process the system through the USAA mobile app and I receive an notification to my personal email immediately following any transaction. Well, for this transaction I did not receive any notification or did not make the transaction. The individual is not listed in my recipient either. The individual hacked into my USAA and XXXX themselves {$990.00}. The individual had made this transaction on XX/XX/2020, again, I did not receive the notification to my personal email and I did not noticed until XX/XX/XXXX, XXXXOnce I became aware I notified USAA immediately letting them know that was not me, following all the procedures to update/change security information and to submit the claim. The representative told me the documents will be mailed to me at my mailing address when the investigation was complete. I have been quarantined since XX/XX/2020 and was teleworking due to XXXX. On XX/XX/XXXX, I just so happen to look into MyDocuments on the USAA app, and there was a letter that I was suppose to receive by mail stating there were no findings. This letter also informed me to call the bank if I had any further questions. I called the number a total of 5-6 times, each time a new representative submitting in a " request '' for someone from the fraud department to contact me as well sending documents on what was investigated. I even called XXXX with an USAA representative on the phone to see if they can see it on their end. I was told by XXXX that they couldn't see the transaction and it was done through my banking app, which is USAA, so they are held accountable. It is now XX/XX/2020, and I have yet to receive a phone call or those documents. I have been a member for 10 years ( since I joined the XXXX ) and never have I been treated and ignored in this manner.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I am facing foreclosure on the home I have owned for 14 years because of misrepresentations and unethical foreclosure practices by my loan servicer Rushmore Loan Management. I have tried repeatedly to be reviewed for modification, forbearance or retention options but instead of conducting an assessment of my current financial circumstances I am given the runaround. Each agent I speak with tells me I am eligible and can apply, and when I do a different agent tells me that I need to document more income to qualify. I tell them that I provided additional income in my paperwork, but they refuse to look at the information and I am stuck in a hamster wheel unable to escape as Rushmore misleads me and pushes me into foreclosure. 

My husband I purchased this home in 2006. We paid our mortgage as agreed with no issues until my husband took his own life a few years ago. Besides the grief and heartbreak I was also put into a difficult financial position since I was now the sole breadwinner. I kept up with the mortgage payment as long as I could but as I struggled I reached out to Rushmore to consider me for a loan modification. Instead of conducting a review of my current financial circumstances, I have been repeatedly blocked and denied. It is beyond frustrating. I have a good paying job as a nurse, and we paid our mortgage on time for 11 years. As explained, my husband was distraught and took his own life and this created a difficult situation for my family. I began reaching out to Rushmore to see if they would work with me towards a loan modification but I got the runaround, transferred from department to department and every person telling me something different. I applied for help on multiple occasions, but no one ever reviewed my financial information. The Rushmore agents tell me that in order to qualify I have to provide additional income. I have provided this information as I now receive SSI income and have family members renting rooms in the home, but their agents refuse to consider the change in financial circumstances or even look at the documentation. I have the desire and ability to pay, and if Rushmore was to complete a fair and transparent review of my current financial circumstances they would see that I qualify. Instead, they keep ignoring me and giving me multiple excuses and making misrepresentations about what I can do. The entire time I am falling farther behind and at risk of foreclosure. This is an avoidable foreclosure and there are multiple options available.
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (OH)

Many years ago I owed XXXX {$630.00} for a phone bill. 

The debt was sent to collections. 

XXXX XXXX was the debt collector. 

I settled for less than the full amount and received a Receipt saying that I settled for less than the full amount. I paid {$380.00} and I attached that receipt to this complaint and also gave it to XXXX and the new collection agency. The remaining balance on that account was {$250.00}. 

Recently, XXXX sent the remaining Balance to a new collection agency even though my recipe shows I settled for less than the full amount and clearly states they will not purse any collection activity. 

Now, a new collection agency, Allied Collection Services, is reporting on my Credit Report for the remainder of that balance.They say that until XXXX tells them not to collect they will continue to collect regardless of my recipe saying I settled with XXXX. 

XXXX says there is nothing they can do. They see that I settled for less than the full amount but the system does not allow them to change the balance. 


Companies Involved : XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX Allied Collection Services ( XXXX ) XXXX
Consumer complaint received 2020-06-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: West Coast Servicing, Inc. (AZ)

I found out through the fraud investigator a XXXX XXXX that someone impersonating me called their customer service department and asked for a loan payoff on my first mortgage. When asked to verify that it was authentically me calling, they gave the last four digits of my SSN to the customer service representative at XXXX XXXX. The person impersonating me asked to have loan payoff faxed to them at XXXX. This fax incurred at {$15.00} charge on my account that I had to fight to take off as I never called XXXX XXXX for a payoff statement. 
This required me to freeze my credit reports and file a criminal complaint with XXXX XXXX XXXX for ID theft and fraud. 
The person impersonating me has been identified as West Coast Servicing out of XXXX XXXX, CA. They are a loan servicing company that was hired by the noteholder on the second loan on my house. 
They wanted this information to use against me for financial gain.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. 
XXXX {$2000.00}