davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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: CLGF Holdco 1, LLC (NC)

Mutiple Dispute letters sent to Genesis FS Card Services from XX/XX/2022 - present certified mail in reference to obtaining general disclosures and reporting options. By law 15 USC6802. Obligations with respect to disclosures of personal information XXXX XXXX are to provide each consumer XXXX different disclosures before reporting to a Non Afflilated third party. In response from Gensis FS in XXXX they asked can I explain what I need help with and each letter sent clearly stated what I the consumer was asking which is by law my right to have the option to disclose my information to non afflilated third parties. Gensis FS has failed to comply with 15 USC 1638 credit cards fall under truth and lending and there are alot of disclosures that are suppose to be given to me allowing me to know my consumer rights with this company. Since I started my disputes in XXXX my Utilization for both accounts are being reported incorrect to all three Consumer Reporting Agencies ; putting me over my utilization limit for each account. Trying to obtain credit with my credit cards being reported incorrectly to Consumer Reporting Agencies is damaging to my character. These companies withhold information from the consumer of what there consumer rights and really hold fast from allowing the consumer to exercise there rights. 
Gensis FS Card Services policy to report any information other than the line of credit that was extended is only applicable if all disclosures have been made by law and there are a lot of disclosures along with 15 USC 6802. 
Accounts with XXXX XXXX XXXX XXXX Destiny Card XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

These are the following ACCOUNTS and INQUIRIES, XXXX XXXX ( XXXX ), XXXX 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 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 XXXXXXXX. I haven't checked my credit report in a long time, I went to the bank to get a home loan and they informed me about these accounts and inquiries. I don't know who could have done this, this is identity theft and a nightmare.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (MA)

For over a year now my XXXX XXXX credit card trade line has not been on my Equifax credit report but was on my other credit bureaus reports so I called Equifax and was told the reason for this is that my credit card was removed from my credit file with XXXX so I filled a dispute to get it added back to my Equifax credit report. At the end of the dispute nothing was resolved and the reasoning for this was because XXXX XXXX was no reporting to them. After I received this information I submitted a dispute directly with XXXX XXXX in which it was resolved XX/XX/2021. XXXX XXXX has shown proof along with a AUD number stating that the trade line was added back and they are normally reporting to Equifax. Now 5 months later Equifax is telling me on the phone that they dont not see this and it may be due to a issue with their business department. This is beyond frustrating. It is preventing me from living my life.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

I had gone to an ATM to deposit money {$100.00} to be exact to cover a payment coming out of my account the next day. The ATM in XXXX XXXX XXXX took my XXXX dollars and confirmed it had taken it and we drove away shortly after I was informed, my debit card was used but with the wrong pin. This email made me look at my account and I realized Wells Fargo credited my {$100.00} deposit then debited it.. I contacted Wells Fargo immediately to open up a claim that there must be an issue with that ATM. Initially they had put in the claim wrong and it was denied. I asked for a video evidence so that I could show that I did not take that money back out, they would not provide it for me. I called Wells Fargo resolution and they resubmitted a new claim correctly while that was being done. I had gone to the XXXX police department to file a theft and fraud against Wells Fargo so that I could obtain the video from the ATM showing I did not deposit and withdraw the money it was only deposited on XXXX I was reinforced that they denied my claim again because they said I deposited the {$100.00} and automatically would drew it within seconds. I tried to explain to them why would I deposit {$100.00} and quickly withdraw it knowing I have a payment coming out the next day and that I have done this ATM deposits before for this exact same reason and is clearly shown on my account. they didnt care and still denied my claim and kept my {$100.00}. 

I have asked a supervisor of the XXXXesolution department of Wells Fargo to contact me because they would not escalate it while on the phone.
Consumer complaint received 2022-05-17
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. (NC)

The third party consumer reporting agency, XXXX XXXX has REMOVED the alleged bankruptcy off of their files. As you know XXXX XXXX is the company that reported this information to XXXX, Transunion, and XXXX. XXXX has found no grounds to hold this erroneous information on my report and they have instructed me to dispute the information with Transunion, XXXX And XXXX, however these companies have been lying stating that they have verified this information but the truth is that there is no information to verify because as you can see it is not there, they are falsely verifying wrong information. Please have them remove this information.
Consumer complaint received 2023-06-12
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have written letters to Transunion on several occasions regarding multiple accounts. I wrote a letter on XX/XX/XXXX regarding collection agency XXXX XXXX XXXX reporting account # XXXX reporting this account as an open account as well as having a passed due balance. On XX/XX/XXXX I received a letter from Transunion stating that this account was accurate and reporting correctly which isn't true. I have also received a letter from Transunion for other accounts that I have disputed with the company stating that they applaud my efforts on trying to fix my credit, but they did not send me and validation letters for collection accounts XXXX account # XXXX. This account is also reporting as an open account. XXXX XXXX account # XXXX is also reporting as an open account as well. These are direct violations of my consumer rights to have a correct account credit profile. 
They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) The law clearly states the credit bureaus have 5 days to notify me of when they receive my disputes.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank is charging me interest on late fees on an 18 month same as cash loan. When I accepted this card I was told I had a suggested monthly payment of {$75.00}. However they are billing me as if it is required. I have 18 months to pay this account before any interest or late fees are to be assessed
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore has intentionally obstructed the loss mitigation process for our home, has engaged in unethical and illegal foreclosure practices ( pay to play?? ) as well as denying access to mediation as required by New Jersey state law. My family has owned our home for 41 years and have attempted on multiple occasions to work out a loan modification or sale of the property. Instead of considering options and conducting a fair review Rushmore has blocked us at every turn, attempting to sell the house while still under federal bankruptcy protection and informing us that we can't be considered for any type of compromise or work-out solution unless we pay $ XXXX in cash upfront??? Rushmore along with foreclosure firm XXXX XXXX have engaged in unethical and illegal foreclosure practices and have my family facing a foreclosure sale date scheduled for XX/XX/XXXX. This was set up even though our home is still under bankruptcy protection but they have attempted to file a motion to remove stay so they can steal our property. My husband was a very successful XXXX  who XXXX XXXX XXXX XXXX XXXX and we never had a problem with our mortgage until Hurricane Sandy. When we struggled financially we tried to work things out with Rushmore but my husband passed away last year and they refused to continue negotiating with us. I provided them with the legal paperwork showing I was the rightful heir and executor and that they should negotiate with me but no progress. We gave them a good faith payment of $ XXXX in hopes this would break the logjam, but we found ourselves back in the same situation -- no review of our current and correct financial circumstances and a rush to auction our property. We have some equity and have also been trying to sell the property but they won't give us time. 

We took out this adjustable loan through XXXX in XXXX and then switched to XXXX. Hurricane Sandy destroyed our home and the government got involved and XXXX dropped our payments from {$8500.00} a month to {$5000.00}. In XXXX the loan transferred to Rushmore and they suddenly raised our payment to {$13000.00} a month. This corresponded with my husband 's health issues ( XXXX then XXXX ) which limited the amount of time he could XXXX   XXXX  -- this was exacerbated by a servicing transfer on our boat loan to XXXX XXXX. We had renewed the loan every 7 years but when XXXX took over they called the note in ( XXXX XXXX balance ) and we had to sell the boat. At that time the boat market was soft and we could not find a buyer to pay full price -- we found one who offered 75 % and XXXX XXXX  said they would accept that but they wanted to use their own broker on the deal so they could double-dip. When that fell apart XXXX called the note and seized our assets and bank accounts. This began the problem with the mortgage and ultimately when my husband passed away Rushmore blocked everything.
Consumer complaint received 2023-10-23
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. (MD)

In accordance with the Fair Credit Reporting act XXXX 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. 15 USC 6802 A. may not disclose personal information.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX credit card- last reported on XX/XX/XXXX {$2100.00} first opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

Bank XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX bank - opened XX/XX/XXXX $ XXXX reported it to the credit XXXX XXXX fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. 
XXXX Bank XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX " XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and XXXX them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 
XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX credit card- last reported on XX/XX/XXXX {$2100.00} first opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

Bank of America last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX XXXX  opened XX/XX/XXXX $ XXXX reported it to the credit XXXX XXXX fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. 
XXXX Bank XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX XXXX$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX " XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and XXXX them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 
XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Consumer complaint received 2015-06-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Halsted Financial Services, LLC. (CA)

I have a XXXX and Have told this company HFS at XXXX to not call me till after XXXX if they have business with me or my wife they keep calling with or about some debt from several years ago i dont even remember XX/XX/XXXX my dad passed away and i not only have this XXXX but now XXXX and take meds, sleeping is hard and when i get sleep i dont need this company HFS waking me Please get them to stop Thank you
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

amex credit card- last reported on XX/XX/XXXX {$2100.00} first opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX  XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. 
XXXX XXXX  XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX  XXXX  {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 
XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Consumer complaint received 2022-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

In response to a previous complaint Specialized Loan Servicing LLC stated they do not hold the loan, but in fact were just servicing the Loan for a 3rd party. The last Bank to hold the mortgage was XXXX XXXX. I wrote XXXX XXXX concerning the handling of the loan and I was advised by XXXX XXXX that they sold the Loan to Specialized Loan Servicing LLC on XX/XX/XXXX and that XXXX XXXX no longer has an interest in the Mortgage Loan. 

So the question is Who exactly holds the Mortgage Loan for XXXX XXXX. According to XXXX XXXX it was sold to Specialized Loan Servicing LLC, but Specialized Loan Servicing LLC states they are only Servicing the Loan for a 3rd party. WHO HOLDS THE MORTGAGE LOAN FOR XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX, Tx XXXX?? 

In response to a prior complaint, from XX/XX/XXXX, Specialized Loan Servicing LLC stated they would send an Amortization Schedule under separate cover to our mailing address, However it has been more than a month and we have not received the Schedule. Please provide the schedule as requested.