davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX have been trying to pull my Equifax credit report for over a week now starting on XX/XX/2019 an I have been calling them for over a week and we can not get this problem resolved please help me. They keep telling me there is nothing wrong with my file.
Consumer complaint received 2021-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 30 days and this information has not been suppressed or removed from my credit report. My disputes have been ignored by Equifax for the past two years with no letters of acknowledgement, reporting inaccurate information, out of date information and so on. They are the only credit bureau that has not completed a dispute request or proper investigation whereas inaccurate information and Identity theft accounts have been removed from XXXX and XXXX for years. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove disputed information. Since it has been over two years disputing the same inaccurate information I demand these accounts be removed expeditiously or i'll be forced to file litigation due to the unsurmountable stress and disruption this injustice has caused me. My information was also impacted by the Equifax data breach and i'm sure it has gotten in the wrong hands due to this ongoing issue with someone using my information.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

On XX/XX/2021 I filled a request to validate debt to Amerfinancial solutions certified mail. Amerifinancial did not respond in the 30 day period. Also they never responded. The debt amount is XXXX dollars.
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (NY)

I sent a wire transfer in the amount of {$5000.00} from my XXXX account to my XXXX XXXX Business Checking account on XX/XX/XXXX, the XXXX is XXXX, Amex business checking was not able to process this wire on XX/XX/XXXX due to the wrong routing number input for some reason. Subsequently, they initiated a return/refund with XXXX XXXX. However, according to XXXX, they do not see the fund associated with the transfer. Ive been contacting both banks back and forth for multiple times to no avail. Please investigate the issue.
Consumer complaint received 2021-11-16
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: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I XXXX XXXX natural person and consumer pursuant 15 USC 3002 , is aware that XXXX, EXPERIAN, and XXXX are XXXX my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).
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 — Personal information incorrect
Company: EQUIFAX, INC. (SC)

XXXX  KEEPS REPORTING UNLAWFUL INACCURATE PERSONAL INFORMATION. I HAVE ASKED SEVERAL OCCASIONS AND XXXX REFUSES TO REMOVE  THIS INACCURATE ADDRESS. I HAVE ASKED IN SEVERAL DOCUMENTED LETTERS AND ONLINE DISPUTES TO REMOVE THE ADDRESS OF XXXX XXXX XXXX, SC XXXX, AS IT DOES NOT BELONG TO ME. IT IS FRAUDULENT. MY ADDRESS IS XXXX XXXX XXXX XXXX  SC XXXX. AS TO BY LAW YOU DONT HAVE TO PROVIDE PERSONAL INFORMATION ON YOUR CREDIT PROFILE BC IT IS A VIOLATION OF CONSUMER RIGHTS.  I HAVE SENT PROOF AND EXPERIAN WILL NOT DO THEIR JOB AND REMOVE THIS ACCOUNT WHICH IS VIOLATION 42 USC SECTION 408 AND 18 USC 1028 A - AGGRAVATED IDENTITY THEFT.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (VT)

My husband and I went under contract on a property that had been foreclosed upon on XX/XX/21. Lakeview Loan Services is the bank managing the property. We have missed and readjusted our closing date 3 times because of their negligence. They were informed of an outstanding debt to the HOA by the listing agent back in XXXX, giving them ample time to deal with the issue. Now, there is a lien on the deed to the property, and Lakeview doesn't answer phone calls, emails or any other form of communication. They won't even contact their own attorney. We can't close on our home until the debt is paid and the lien is lifted. We informed our landlord that we were under contract, and they expect us to be moved out, keys turned in by XXXX. If we don't sign closing papers this week and move in this weekend, we are essentially XXXX
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

As a result of copvid-19 my income decreased drastically. I've reached out to Rushmore multiple times submitting, and resubmitting requested documents over the last 6 months to secure some sort of assistance. Regardless of what was submitted it was never enough. I have submitted all requested Borrower Assistance Application information regarding my loan modification. Finally, after 6 months of back and fourth, rejected payments, Rushmore has finally acknowledged all paperwork has been received. 

On Friday XX/XX/XXXX I received a letter dated XX/XX/XXXX stating I am in default on my mortgage loan and encouraged to contact Rushmore to explore foreclosure alternatives. I'm currently in the middle of a modification??? I received a letter dated XX/XX/XXXX stating Rushmore would reply in 30 days to my modification request. After submitting all my paperwork, receiving acknowledgement that all of my loan modification paperwork was successfully submitted, I receive a letter referencing foreclosure. Now I'm being told to pursue foreclosure alternatives, my modification request is still pending or so I thought. 

I am doing everything requested to keep my forever home and Rushmore continues to place doubt that they are trying to help me keep my home. I finally feel like it's going to be alright and then I get this notice in mail as if I hadn't already submitted a modification application.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (FL)

XX/XX/XXXX payment sent XXXX to credit card company XX/XX/XXXX bank payment sent XXXX to credit card company genesis fs card services XXXX XXXX XXXX XXXX Oregon XXXX XXXX XXXX XXXX XXXX Georgia XXXX Upon contact of credit card company explained my bank verified funds have been processed an settled. Credit card claims they hold customers funds for 14days without clearing them for use in the effort to report fraudulent earnings by credit card agency on the financial reports. 

My account should not be held for 14 days when funds were processed an settled as available. They do this in an effort to hold funds from consumers an charge increased interest among other reasons.
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: First Federal Credit Control, Inc. (FL)

I purchase a XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXX XXXX XXXX back in XXXX of XXXX upon having the vehicle is started to give major issues a/c went out it needed a tune up the biggest issue was the fuel pump went bad the car stalled on me XXXX XXXX had the vehicle towed from the broke down location back to my house and called the dealer and told them what happen the vehicle now is not drivable at all the dealership has sent a ridiculous amount claiming i owe them to collections and i do not i have the letter here from the first federal credit control threating for me to make a payment or the vehicle will be seized i do not owe this amount they are claiming i owe i have receipt proof of last payment and last contact person i would like my money back for the lemon they sold me and to be taken of the XXXX loan
Consumer complaint received 2021-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 I XXXX XXXXXXXX natural person and consumer pursuant 15 USC 3002 , is aware that TRANSUNION, XXXX, and XXXX are violating my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

To whom it may concern, after sending out multiple letters to the credit reporting agencies Transunion, XXXX and XXXX have continued to violate my rights as a consumer and have failed to provide me with any valid documentation regarding negative inaccurate reporting and accounts they have been placing on my consumer report. 

A proper investigation has not been done after many attempts to remedy the situation and inaccurate reporting such as the date reported, last active dates, balance amounts and payment history continues to be reflected on my credit reports due to the CRA 's lack of professionalism and honesty in reporting. I have never been given any proof or valid documentation by the CRA 's to show that an actual investigation on my credit reports have been made, after consistently asking them trough writing for a proof of their claims. 

NOTHING WAS SENT TO ME! 

In accordance with the Fair Credit Reporting act acct # XXXX XXXX XXXX  XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX has violated my rights as a consumer. 15 USC 1681 section 602 A states that I have the right to privacy. Also 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. My rights are being violated and this needs to stop immediately!
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has a feature called " Amex Send & Split '' that allows you to send money to friends and family. 

On XX/XX/2021, I transferred {$2000.00} to my Amex Send account in order to send it to one of my friends via XXXX, but he wasn't available at the time. 

I returned the money to the card and waited a few days, but the money never arrived. 

I have activity transfer proof that I returned the money and every proof that the money was sent and returned to the card. American Express acknowledged the issue and opened a couple of tickets, but they were never resolved. Every day I call and I get no resolution. 

They promise to call me back, but no one does. 

Kindly help me!!!
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The address XXXX XXXX XXXX is an inaccurate address that was on all XXXX main credit bureaus and XXXX XXXX. XXXX, XXXX and XXXX XXXX have all removed the incorrect address. After many attempts ( XXXX. Report # XXXX XXXX, XX/XX/XXXX ) ( XXXX. XXXX, XX/XX/XXXX ) and several phone conversations, Experian XXXX refuses to remove the inaccurate address. This address is not tied to any trade lines and opens me up to identity theft. Experian actually has my account flagged for the possibility of identity theft. There were a total of XXXX addresses on my Experian credit report and they have removed all but the XXXX XXXX XXXX address. 

Experian has been fined XXXX XXXX dollars by CFPB for deceiving consumers, there has been over XXXX complaints made to the CFPB by consumers of this very complaint. Experian only verifies information NEVER validating the information that is disputed on the credit reports. 

Additionally, in XXXX & XXXX Experian has experienced breaches which is why I am making sure all of my information is accurate on my credit reports to ensure I am protected. 

Even after being absent from the address of XXXX XXXX XXXX for over XXXX years I have received mail with that address on it.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (OK)

My father had an IRA with BBVA which he was allowed to set up without a beneficiary, unfortunately. He passed away intestate. I have been trying to obtain hard copies of BBVA/PNC 's bank instructional information regarding this situation from BBVA/PNC for months now . Specifically, I've asked for a custodian agreement or whatever policies the bank ( s ) have for accounts with no beneficiaries. I've called and left voicemails with the legal department ( do not have dates but sometime between XXXX XXXX ) and have not received a response. I faxed the fulfillment department on XX/XX/XXXX and have not received a response. I visited a branch in the next state over ( there are no branches in my home state ) on XX/XX/XXXX and waited in line for 30+ minutes to meet with someone for this information. I spoke with XXXX XXXX, the branch manager at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, who advised me that he would have to call the legal department and the wait would be 40 minutes. He gave me his business card and told me he would help me over email. To date, he has not responded to any of my emails ( sent : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - today ). The only information I have been able to obtain by phone ( previously and this evening on XX/XX/XXXX ) is that to transfer an account after a death, a death certificate and either : 1 ) Letters of Administration, 2 ) Letters Testamentary, 3 ) Affidavit Claiming Successor, 4 ) Court Order, or 5 ) Muniment of Title/Affidavit is needed. I am unable to obtain the Letters of Administration from the Court without a document from the bank saying that the letters of administration are needed due to the length of time that has passed since my father 's death. BBVA/PNC has told me the only way to obtain a " printout '' of this information is to go to a branch and request it. How is this even possible in this day & age? I have already done this unsuccessfully and the nearest branch to me is 182 miles away in the next state. Additionally, the branches DO NOT ANSWER their phones so it is not possible for me to set up an appointment to meet with someone. The website does not have an option to set up an appointment electronically either. I've been told that in order to transfer the account when I do have the Letters of Administration, I also have to do this in person. This is the first time I have encountered this issue in any of the accounts we've had to transfer for Dad and unduly burdensome since PNC/BBVA does not have any branch locations near me. All other accounts with other institutions have been transferred remotely after faxing/emailing/mailing information. 

I'm able to provide the emails sent to XXXX XXXX as well as the fax ( and confirmation ) sent to the fulfillment department upon request.
Consumer complaint received 2023-10-05
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. (FL)

I CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. TWO NEW MEDICAL ACCOUNTS HAVE BEEN REPORTED ON MY CREDIT REPORT WITH TRANSUNION ONLY AND ACCORDING TO 15 US CODE 1681a ( 3 ) THESE MEDICAL COLLECTIONS ARE IN VIOLATION AND CANT BE ON MY CREDIT REPORT XXXX XXXX AND THE ORIGINAL CREDITOR IS EMERGENCY RESOURCES GROUP IN WHICH MEDICAL COLLECTIONS ACCOUNTS HAVE ALREADY BEEN REMOVED.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (GA)

I reached out to the credit bureaus about this particular debt and its been over 30 days and they havent responded. They have yet to show me proof that I owe anything. They have 7-14 days to respond and show me proof. If they cant verify that the debt is in fact mines, it needs to be deleted immediately.
Consumer complaint received 2024-02-16
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
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. (MO)

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX  XXXX, XXXX card, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights and have inconsistent information being displayed on all 3 bureaus.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 section 1 : states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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