davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (TX)

Hi, I got a call from number XXXX informing they were First Financial Asset Management company. They informed me that I owed a debt from a XXXXXXXX XXXX XXXX XXXX regarding damage to their vehicle. I was not sure of this was a scam or impersonator so I asked them to mail me debt validation letter. It has been already 2 weeks that i have not received any call or information from them regarding the debt. 
This could be a scam. However I do not want to see this on my credit report for any reason. Please help
Consumer complaint received 2023-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

My credit report is showing late payments to XXXX XXXX XXXX and XXXX  XXXX BANK NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (NC)

I hope all is well I would like all the late fees removed from my Klarna account please because its not my fault that XXXX allowed my account to get hacked and someone made charges on my Klarna that wasnt me. I filed a police report when it happened as well as contacted XXXX headquarters. Im now with XXXX XXXX due to all of this. They did a SIM card swap and was able to get in my phone and get access to my Klarna. Because of all of that it caused me to have late fees. Can you please remove the late fees it will make it easier for me to pay the balances. Thank you very much for your time. Have a wonderful day and please continue to be safe.
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

GM Financial agreed to a trade of my XXXX XXXX XXXX after they were unable to replace the battery leaving me with a subpar car that was never allowed to charge to it's fullest b/c of the fire danger. After going through a process they agreed to have me trade in my XXXX XXXX XXXX for a XXXX XXXX XXXX. The Process was fine and took place around XX/XX/XXXX. Whenever I log into my gmfinancial account, it shows my old car, and says that I am behind on payments, which doesn't make any sense. I have been caling for over a month and no one is able to figure this out. I've been told to go to the dealer, who has already been paid for the car and told me they sent in all of the paperwork. Now, I have to make car payments on a car that I don't have possession of so they don't ding my credit but I have received no assurances that my payments will go towards my new car.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX XXXX XXXX  is reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Principles in Matter : Rushmore Loan Management Services XXXX XXXXXXXX XXXX # XXXX We've asked for validation of chain of assignments/title and have not received a proper response addressing the request. 

We have submitted a request for Accounting according to GAP or General Accounting Principles ( payables, receivables, balance sheet ) specific to the alleged debt in question prior to notice/recording of Trustee Sale and have not received a proper response. 

In a correspondence dated XX/XX/2022, Rushmore Loan Management states " Please note Rushmore services the account in accordance with the original loan documents and all applicable laws and statutes. '' We've submitted multiple written requests to view the " original loan documents '' and have received no reply. Please consider this another request to view the original loan documents. 

Question1 : In California, can a third party debt purchaser in its activity of " debt collection '' commence foreclosure? 

Question 2 : Did XXXX XXXX purchase this debt and if so, when? 

In a letter dated XX/XX/2022, received by your office and CEO XXXX XXXX, Rushmore agreed to the acceptance and transfer of title into an irrevocable private business trust of the which Rushmore has duties and obligations under the trust indenture to : 1. Merge the Title and 2. Set off the obligation They continually obscure the facts by calling it a revocable trust and not fulfilling their fiduciary duties. 

In communicating with Rushmore, all replies state that they are acting within applicable laws and regulations but fail to cite the specific law and/or regulation. We can not audit Rushmore 's compliance without this information.
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

In accordance with the Fair Credit Reporting Act ( CREDIT SYSTEMS INTL IN ) ( 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-05-31
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)

As a result of the account hack of Equifax in XXXX the following fraudulent hard inquires appeared on my credit bureau report : XXXX -- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX At the time in XX/XX/XXXX I made contact with the creditors and with Equifax. I filed a dispute with Equifax requesting the inquiries be removed. I contacted XXXX and XXXX -- XXXX XXXX. XXXX prepared a letter and sent it to all credit reporting agencies advising the inquiry should be removed from my file -- Equifax totally ignored the letter, and it still shows on my file. Equifax and XXXX both ignored my dispute in XX/XX/XXXX and this inquiry still remains on my file today. XXXX and Equifax did nothing and as a result a XXXX transaction ( ID THEFT ) was opened on XX/XX/XXXX in the amount of {$280.00}. XXXX and Equifax were both negligent in their failure to act and their failure to notify me that a fraudulent account had been opened in my name. At that time I also put a 90 day security alert on my credit files. After receiving no payments XXXX charged the account off and sent it to a collection agency ( XXXX XXXX, XXXX, FL ) on XX/XX/XXXX with a balance due of {$280.00}. The XXXX XXXX promptly added this collection to my credit bureau files, thus damaging my perfect credit report. After much effort on my report I obtained letters from XXXX and XXXX XXXX instructing Equifax to remove the collection from my files. Since that time I have filed 2 additional disputes requesting the fraudulent Inquires be removed from my credit file. The XXXX Inquiry was directly related to the theft ID account which was opened, and Equifax had a letter from XXXX advising their Inquiry should be removed. In spite of this and hours of effort on my part, Equifax still refuses to remove these illegal inquiries from my file and my credit score continues to be negatively impacted. On XX/XX/XXXX I filed an Identity theft complaint with the XXXX XXXX XXXX Department and they subsequently forwarded it to XXXX XXXX where the transaction took place. I have done absolutely everything possible to resolve this matter with Equifax, all to no avail. All I get from Equifax are worthless form letter e-mails advising the dispute was completed, but there is never any change made to my file?? When I try to open their emails for dispute results all I ever get is a message saying the information I entered does not match their records?? When I call I always get an employee who is not fluent in English and nothing gets resolved. Equifax created this problem with the account hacking, they have a great deal of liability, and yet they do nothing to fix a serious problem they created?? XXXX and XXXX were responsive and great to work with -- the problem is Equifax! I have detailed documentation on this matter. ALL I WANT IS FOR EQUIFAX TO REMOVE THE TWO ILLEGAL INQUIRIES FROM MY CREDIT BUREAU REPORT SO MY CREDIT SCORE IS PROPERLY REFLECTED.
Consumer complaint received 2020-10-07
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. (NY)

I have XXXX  XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX   XXXX and fix the error and got a confirmation letter from XXXX XXXX which I sent copy of the letter to all three credit bureaus twice since XX/XX/2020, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from XXXX  XXXX.
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MoneySpot USA LLC DBA Sunshine Loans (TX)

I was contacted by this company threaten me that they were going to serve me court ordered papers to my home. If I didnt pay them, they gave me a settlement amount to pay and I paid and then went online and discovered this was a scam. I was scammed over {$350.00}, and then they call me again and again trying to get more money and I called the original creditor and said I have nothing owed with them but they have all my personal information. This company is called XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I disputed to bureaus that child support contract was cancelled. They're still reporting it negative as closed in XXXX  and last paid in XXXXplz help..this is hurting me badly with frustration, undue stress, and negative credit worthiness..Thanx
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The credit reporting agency is reporting an undeliverable address. The addresses are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

There is information that is on my consumer report. That is a result of identity theft. I did not Provide written permission or instructions for the identified items to be reported on my consumer report. I am re question that that's the reporting of this information be blocked And Deleted. My request to block is not being made in era. Nor is my request to block being may on the bias Of a material misreputation.

Of Fact by relevant relevant to the request to block the identify transaction. The identified transaction are not information related to any transaction to me as the consumer.

Account Name Account Date Account Name Account Date You are reqsir to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response, thank you, XXXX XXXX.
Consumer complaint received 2022-12-14
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (SC)

Once upon a time, in the year 2021, XXXX and XXXX discovered that a sneaky account had been opened in my name. It turns out, my partner at the time, took advantage of my vulnerable state. I was XXXX, sick, and enduring XXXX. Not only did they open a credit card in my name, but they also put utilities in my name without my knowledge. It was a nightmare. 

But, thankfully, I managed to escape that toxic relationship and start rebuilding my life. As I looked at my credit report, I noticed a recurring problem - missed payments from that fraudulent account. It was frustrating because I had been a stay-at-home mother for years, always responsible with my finances. 

Now, I have big dreams for the future. I want to provide a stable home and a bright future for my XXXX daughters. But to do that, I need to address this credit issue. I want to buy a home and have reliable transportation. Before that partner came into my life, my credit was impeccable. 

So, I'm determined to take action. I'm ready to rebuild my credit and create a better life for myself and my daughters.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (KY)

I received the below email but I have no idea who this company is nor who the company is I am supposed to owe this money to. I checked my credit report to see if anything had been turned in against me by them or anyone else for this amount and there is nothing there. Due to them having my personal information, I contacted my bank to let them know what was going on so my account would not be compromised. There was no number to call and no representative 's name in the email. I have deleted my personal information that was in the email. They had my correct information. 


NATIONAL CREDIT ADJUST XXXX XX/XX/2020, XXXX XXXX ( 23 hours ago ) to me Dear : We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney. 



3 Hard allegations have been pressed against your name and your all information. 



1. Violation of Federal Banking Regulation. 

2. Collateral Check Fraud. 

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : SSN : Drivers License : Bank name : Account number : Routing number : We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER,
Consumer complaint received 2023-03-03
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (GA)

On XX/XX/28 I made a XXXX payment twords my credit card bill that has a XXXX credit limit. The next day the card company suspended my account. They stated it was bc my bank sent back a payment, which I wasn't aware of bc it was taken out. They then asked for my bank statement to show proof that it's my bank account and they would reestablish the account. They refused and now asked for a letter from the bank asking why the payment was returned. This was something my bank stated they do provide. I had no notification of the account was going to be suspended they only did this after receiving my payment.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

The following individuals at XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nevada ) have fraudulently represented themselves as a government agency and solicited my sensitive information indirectly by gaining access to the FSA ID website and has done so to numerous other unaware consumers. They specifically claim that they either work for " Aidvantage '', the " FAFSA Student Loan Department '', or the " Department of Education Student Loan Office ''. Consumers on multiple websites, such as the XXXX  have reported that they " XXXX '' has consolidated their loans without permission and collected social security numbers for malicious intent or dispersion for illegal use. 

The " agents '' are : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX or XXXX ), and XXXX XXXX ( phone number unknown ). They also have a female secretary who will hold / transfer calls for them. 

Please take care of these criminals so they can not prey on the public or borrowers who are trying to make an honest living while repaying their debt.