davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I did not lose my job, nor did I fall XXXX My payments were deducted by electronic funds transfer and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I sent my payment to XXXX XXXX XXXX after a corporate transfer however, on XX/XX/XXXX, XXXX XXXX cashed my cashier 's check no. XXXX, that triggered the predatory foreclosure scheme imposed upon me. In addition, I must repay the check XXXX XXXX cashed and I must pay interest for the month of XX/XX/XXXX. ( See Affidavit of Amounts due and Owing & copy of canceled check. ) My regular monthly mortgage payments were {$670.00} until the corporate transfer of my note to XXXX XXXX. ( see U.S. Bank proof of claim pg. XXXX ) Immediately upon XXXX XXXX XXXX XXXX to go into my bank account on XX/XX/XXXX, the bank took XXXX which is {$12.00}, less than my regular monthly payment. The funds were available however, the shortage was intentional and used to send me into default on XX/XX/XXXX, loss mitigation and foreclosure was imposed upon me for the {$12.00} shortage. ( See letter to CFPB complaint XXXX response from XXXX dated XX/XX/XXXX pg. XXXX and U.S. Bank 's Loss mitigation Affidavit ) .Under the electronic funds transfer act the bank could have given me a provisional credit to the account for {$12.00}. They could have returned the {$650.00} to the bank account but instead, on XX/XX/XXXX, I was sent a loss mitigation package for 14 months and on XX/XX/XXXX. XXXX initiated foreclosure proceedings against me. XXXX XXXX and U.S. Bank conducted a corporate assignment and U.S. Bank took over the foreclosure proceedings. The balance on my mortgage was {$94000.00} at 2 % interest before the predatory scheme. A judgment was entered against me for over {$140000.00}, my credit is ruined with the judgment of foreclosure and I may find myself homeless because the bank intentionally took a partial payment for {$12.00} less than the amount due.
Consumer complaint received 2023-02-13
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-02-13
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-03-10
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: EQUIFAX, INC. (DC)

I have a medical debt collection on my credit report which I have tried to dispute with Equifax. I never received the original bill from my medical provider and it was reported to collection agency. When I inquired about the medical bill and attempted to pay my provider directly, they notified me that the account is closed and transferred to a collection agency. My multiple attempts to pay them directly failed and I eventually paid the collection agency. I have disputed this charge with Equifax. However, my dispute online went to a wrong department. I am not able to see the status of my dispute online and every time I call I am on the phone for 45 minutes and the issue is not resolved. I have asked them to send my dispute to the correct department but I still don't see my dispute status online and I have not received email about it.
Consumer complaint received 2023-05-26
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-13
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)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found 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 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 In accordance with the Fair Credit Reporting Ac Section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.
Consumer complaint received 2023-02-13
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. (NY)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-07-20
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: Kikoff Inc. (FL)

I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-01-17
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian and XXXX. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX XXXX  Date Opened XX/XX/2017 Balance {$7900.00}
Consumer complaint received 2023-02-13
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. (PA)

DEPTEDXXXX ACCT # XXXX Date Opened : XX/XX/2015 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

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.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2020-03-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (PA)

Since I made the required payment to reinstate my loan with PNC Bank, I have contacted PNC Bank several times and requested a monthly statement in-order to make my monthly payments. Each time I was told the system is being updated and I should start receiving statements soon. I have never received any new statements since the reinstatement was completed and I was recently told thats because my loan was charged off. I have documentation dated XX/XX/XXXX from XXXX XXXX XXXX  ( PNC 's Law firm ) stating by paying {$14000.00} by XX/XX/XXXX my loan would be reinstated. I made the payment on XX/XX/XXXX. Now I'm receiving threatening letters which state since I didn't make a payment in the amount of {$280000.00} by XX/XX/XXXX that I must cure this default by paying the full amount by XX/XX/XXXX. This does not make any sense.
Consumer complaint received 2023-02-13
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. (SC)

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 a account without my written instructions. 

XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-02-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I contacted Bank of America about an unauthorized hard inquiry made on XX/XX/2021. Bank of America has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because Bank of America must contact the reporting credit bureau for removal.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

On XX/XX/2020 there were 6 unauthorized transactions cash withdrawals from my bank account. Each one for XXXX totaling {$640.00}. I immediately called in the morning when I noticed and disputed the charges as fraud. I was told that Citibank would provide the provisional credit while I waited. There was no credit. A charge posted that caused an overdraft fee of {$34.00} on XX/XX/2020. I called and they told me there was nothing I could do at this time. 

This has made me write a complaint because as of today there is no credit back to my account for the unauthorized charges, and on top of that I was charged XXXX for a returned item fee.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

I had purchased a phone from sprint before the merger back a few years ago upon not wanting the phone I shipped XXXX back the phone. I have the shipping label for their tracking and they changed the amount owed on my account and put it in collections. It has ten been sold to two companies and I.C Systems , INC has the collection account now. I explained this to them and they could not provide me the contract that XXXX stated I signed to show that I was fully enrolled. The account only shows on my XXXX and if possible I would like this removed without payment because I sent back the phone that they charged me {$830.00} for in the past.
Consumer complaint received 2023-01-17
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in XXXX and Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2017 Balance {$7900.00}
Consumer complaint received 2023-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CURO Intermediate Holdings (LA)

First Heritage Credit located at XXXX XXXX XXXX XXXXXXXX in XXXX, LA XXXX pulled my Credit without my consent on XXXX XXXX and XXXX XXXX. I spoke with an employee on XX/XX/XXXX and made a payment and payment arrangements. They had no reason to pull my credit report and give me a hard inquiry when I spoke with them less than 3 weeks ago. I called on XX/XX/XXXX and the employee stated they can pull my report every 30 days to obtain current information. This is absolute abuse. I spoke with them on XX/XX/23 and there was no reason for a hard inquiry on XX/XX/23. They are manipulating, abusing, and taking advantage of the consumer.
Consumer complaint received 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 3rd party. They in fact did not come from a 3rd 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 2023-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC (TX)

On XX/XX/XXXX they contacted me but before that they contacted my parents on XX/XX/XXXX. The company is Williams Rush & Associates LLC and they claim to have a debt I need to settle that is XXXX dollars. However I asked for the proof of debt via the phone call we had and they sent a document that had been modified to be XXXX. It was even in different writing and was a marker instead of a pen which is what I used to write on it. I immediately emailed back that this was not the original that I signed and it was a fraudulent document. Whoever that signed it after me I'm sure is the one who crossed it out to be a higher amount. I then told them after another phone call on the XXXX that I do not owe this debt because it is modified without my consent or awareness until it was sent to me. They then dinged my credit the next day XX/XX/XXXX and they put an amount on my report stating it was now XXXX dollars which is confusing since even the modified contract they have to show says it's XXXX percent interest and I left XXXX XXXX in XXXX so how did it get to that amount? They are ruining me for something that is not mine and it is hurting me mentally
Consumer complaint received 2023-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (FL)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX  XXXX  and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC (CA)

I had previously had a fraud alert on my debit card on XX/XX/23 and my card was restricted/closed. 
However on XX/XX/23 I received a phone call in the evening at my home from a man stating he was from XXXX  XXXX XXXX. The number was registered as such. They told me while fraud had been caught the day before, that Zelle transfers had been done on my account and they needed to walk me through reversing them. I was freaked out and I trusted the info and number assuming it was my bank. So much so that I stupidly did what they said to do. Not realizing at the time that I just transferred funds TO them. 
After the call was disconnected, I thought about things and validated info in my activity and then realized something was wrong. 
I immediately contacted XXXX and after waiting on hold for 45mins, finally reached someone. 
XXXX fraud told me that no that was not XXXX Fraud calling me. 

I filed the report with them and they are working on it. I tried to contact Zelle on their 24/7 # but that number is NOT 24/7! 
XXXX said the fraud mobile # account was linked to a XXXX account. They said that it takes time, or its hard to get funds from a Zelle transfer. 

This is terrifying. I am XXXX old and just lost my paycheck funds to pay my mortgage. I have an adult XXXX XXXX  son who is under my care and my husband is XXXX old! We are on a tight budget and I do everything I can to protect our financial lives. So to have someone literally fake my Bank and from their number, is horrifying! 
I've only used Zelle a couple times to pay my other son, and only on my bank login, so I am not that savvy on what Zelle can, or cant do. 
Please help us stop this kind of thievery! 

Zelle should not be allowing these kinds of accounts access and XXXX should really be working harder to block fake calls. 
Luckily I printed and screen shot the info they told me was for a reverse charge, so the mobile number its registered to may be able to help. 
Though XXXX said it's likely someone elses ID they used for the theft. 

What terrifies me is that XXXX already had a fraud on my card. 
If this issue of scamming is so prevalent, why did no one from Fraud contact me ahead of time to warn me about this kind of stuff? 
And what about Zelle? If people are getting scammed like this, as seems to be the case, WHY is Zelle not doing more to protect people and stop these fraudsters from using their network? 
Zelle should have some kind of waiting period of transfers, especially when they are large! 

Someone managed to steal my card and then figure out what my private home number was. How did they also use a XXXX phone number? 
They called from XXXX that links to XXXX XXXX 
This has to stop! 
I am now scrambling to find a way to pay my mortgage because these fraudsters scammed this poor mom out of her paycheck!