davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

I am having trouble with Rushmore Loan Management.Received syatement that loan payoff was $ XXXX.Now they say I owe about {$12000.00} more in fees and deferred interest.Have asked for explaination but never receive it.With no explaination payment just went up {$140.00} a month.They say due to escrow shortage. Can not get written explaination.This has been six month process.XXXX  XXXX. ( XXXX ) XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by both XXXX and Equifax that I am part of the XXXX and Equifax data breach.
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (AR)

Over the past several years, I have received letters approximately once per year from this company ( or another iteration of the same, but under a different name ). Oliphant, LLC, claims that I owe a debt in the amount of {$380.00} from a company called XXXX. I have disputed this alleged debt numerous times, and Oliphant has never provided verification of the debt. As such, they usually remove the unverifiable debt from the credit bureau reports. 

This past XXXX, XXXX, I received yet another letter from this company. As per usual, the amount owed, the original debtor, and the account numbers were slightly altered. In fact, the original debt was first reported approximately 8-9 years ago. I disputed the debt and received a reply that Oliphant acknowledges that they are unable to verify the debt, that they would take no further collection action, and that they would not report the alleged debt to the credit bureaus. 

In XX/XX/XXXX, I discovered that the unverified debt was on my credit reports. On XX/XX/XXXX, I submitted a dispute to XXXX and XXXX. Both credit reporting companies replied that Oliphant CONFIRMED and VERIFIED the debt. 

To date, Oliphant, LLC, continues to report the alleged debt to each bureau, thereby harming my credit and damaging my ability to obtain credit. 

I have retained copies of all letters sent to Oliphant, and its " partners '', over the years. In addition, I have retained receipts from the US Postal Service each time they have been notified of a dispute.
Consumer complaint received 2022-02-16
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. (NJ)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NY)

On the date of XX/XX/21, unknown person unauthorized online wire transfer the amount of {$28000.00} from both my checking and saving account into different account and able to withdrawn the money without being notified by text, email or phone call to confirm the transaction.After realizing what had happened l reported the incident to the Citibank and was told to wait for investigation till 60 days.After 2 and half months ( 76 days ) they are not telling me anything, l even spoke to the investigator several times and she doesnt know whats going on with the case.The case number is XXXX
Consumer complaint received 2022-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC (MI)

I have a loan with American Credit Acceptance with the account number XXXXbut I was never late on making my payment. However, the 30 days late which was tagged in different months of 2021 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
Consumer complaint received 2024-01-04
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. (AL)

I just got my credit report on XX/XX/2024, and noticed some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1981e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC1681e ( b ).

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind everything is inconsistent.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Im submitting today a complaint to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that are being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IN, XXXX, XXXX XXXX XXXX, XXXX XXXX, IN, XXXX, XXXX XXXX XXXX, XXXX XXXX, IN, XXXX, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXX  XXXX Balance : {$3500.00}, XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$4100.00}, XXXX XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$320.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (CA)

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

COMENITYBANK/VICTO RIA XXXX
Consumer complaint received 2021-01-05
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. (TX)

I have a charge off reported on my XXXX and Experian credit report with the company XXXX XXXX XXXX. This company charged off a car loan I had in XXXX. The car went to a repo lot where XXXX said I could pay fess, pick up the car and continue making payments. I did that because I needed a vehicle. Well in XXXX, I was late paying and the car was picked up and sold. I thought my payments were being reported, but the credit bureaus were only reporting charge off. 
This company is in litigation and is a deceptive lender. 
I disputed my credit report and requested a deletion of this account based on wtong payment history, balances. terms. date of last activity. 
XXXX and Equifax both validate information somehow and nothing changes. I do not even get a written reply from either credit bureau.
Consumer complaint received 2021-01-05
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: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I used my card at a bar where they have charged me {$130.00} instead of {$30.00}. I tried to dispute the charge with the bank and the bank keeps declining it. 

I have not saved a copy of the receipt. I asked the bank that they ask for the copy from the merchant as I am quite certain that the merchant would not have it as it doesn't exist and they wouldn't do so. 

The bank denial letter clearly says that I can request the documentation that the merchant provided and they used to resolve the dispute, so I called the bank and asked for it and what they sent me in response was a credit card statement I have never had this issue with a bank where they would side with merchant in resolving a dispute without proper documentation. 

I tried to contact the establishment many times as well with no luck. So I really need help. 

Thank you very much.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2022-10-30
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX  # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

I want all Ive submitted investigated for the three Illegal acts that require estoppel and restitution granted in the sums consented to in the settlements covering the first and second violations of Mr cooper and seterus Inc proven to be Mr cooper still and the associated banks which make all contracts void illegal and not enforceable and restitution mandatory ; however none of this has happened at all. All dates are in the illegal documents provided and are all out of legal bounds and not required to be used as a weapon against anyone who has been proven innocent and owner of the property as decided and already convicted and sentenced to settlements and fines for violating the orders of law
Consumer complaint received 2023-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

-I filed a PSLF certification in early XXXX with XXXX XXXX. That certification was completely ignored and my loans transferred to MOHELA. 
-I re-filed the same form ( " first form '' ), plus an updated form from my current employer ( " second form '' ) on XX/XX/XXXX. I was informed that the process would take up to 90 business days to process. 
-On XX/XX/XXXX, my forms were " processed '', per the MOHELA website and a letter was to be sent. I never received a letter. 
-I called on XX/XX/XXXX and the customer service representative could not offer a reason why, despite being " processed '' my account had not been updated and no letter had been sent, so she said she was going to ask them to take another look. She posited that the " second form '' may not be accepted due to the electronic signature ( which is incorrect, as the signature is the HR representative 's actual written signature, just in electronic form. ) The representative told me to call back in about a week to see if they could push things along, but she could not make a guarantee on the timeline. 
-On XX/XX/XXXX, I resubmitted the " first form '' ( now for the third time ), plus an updated form from my current employer ( " third form '' ), with a hand-written signature, just to cover my bases even though I believe the " second form '' should have been accepted. 
-On XX/XX/XXXX, I called to find out the status, and was told MOHELA XXXX completed '' the process of reviewing my application within the 90 business days of XXXX, but they are now entitled to another 90 business days for " review. '' I told them that they DID NOT complete my application review from XXXX, and that giving themselves another XXXX business days to re-review makes no sense given they didn't complete the review the first time and never updated my account or provided me with a decision on my certification forms within the original 90 days. I asked to speak to someone further. 
-They defended themselves saying they are busy and they make mistakes and told me nothing can be done. They then, without telling me what they were doing, left me on hold. 

At this point, I have well over 120 qualifying, certified months of employment and am entitled to loan forgiveness. MOHELA is intentionally delaying this process, entitling themselves to unnecessary time to " complete '' then " review '' an application ( 180 business days total to give ANY answer, not even counting the first three months the first form was lost between XXXX and MOHELA ), likely in the hopes they can profit from the end of the student loan pause for people who should have XXXX balances.
Consumer complaint received 2024-01-04
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: Experian Information Solutions Inc. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-02-16
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. (VT)

Equifax has an account on my report showing missed payments from a XXXX 's account. I call XXXX and they say they have nothing under my SSN so they can not help. Equifax says XXXX 's is reporting the account as mine but can not tell me how they are confirming this ( THIS is the crux of the issue... how can a reporting company like Equifax ruin a consumers credit with ZERO evidence? ) XXXX is making a mistake but can not figure out how to correct it because no accounts are tied to me or my SSN so they can not look anything up. Equifax says they need a letter from XXXX who can not provide a letter because they have no account in my name or under my SSN? So this bogus missed payments account is hurting my score and ability to refinance and there's nothing I can Do?! The credit agencies wield GREAT power yet have zero accountability, have proven to have insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a missed keystroke or the word of a desk jockey a half a world away to say a payment is late but they do not require an account number, any type of application verification to prove the person applied or agreed to an account, NOTHING< just the words of a stranger working at a XXXX XXXX ... no evidence, no proof, nothing... and then I have no way to argue it because I am guilty until I prove myself innocent which I can not do because nobody have any information for me to verify who this bogus account actually belongs to... but it can stay on my report and harm me?! Makes perfect sense.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX, XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX  ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with LAW SUIT, litigation AGAINST these XXXX entities the SSN XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION FOR WHICH IM THE CARD HOLDER
Consumer complaint received 2023-03-25
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. (IN)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX from 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 an account without my written instructions. 

I have sent several dispute letters to the creditor asking proof and validation of the debt reported on my credit bureaus and no evidence has been provided. 
Tacking information of Certify mails are the following. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The 90 day delinquent showing XXXX is incorrect, we have not been late 90 days, we are uploading proof. We have asked mortgage company to remove but they won't and they have all our documentation and said because we finished our forbearance and now in MOD stage, they will report all lates to bureaus. What is mind blowing here is that we continued to make our regular mortgage payments and IGNORED THE MOD LOWER PAYMENT, we aren't delinquent. It's their protocal but so unfair because they are reporting to bureaus incorrectly. Please help us.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was the result of identity thief about 8-9 years ago and this debt collector refuses to listen to anything that I am saying. They keep sending bills of statements I have no knowledge of. My identity was stolen and it took many years to correct things. These account are fraud. This company has harassed me for the last 6 years. I got this company removed from a few bureaus but on XXXX they wont remove it. I am a victim and I refuse to pay for someone elses wrong doing.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (CA)

Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request. 

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that Experian and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with Experian and seeking its removal from their credit report under the Fair Credit Reporting Act.
Consumer complaint received 2023-03-25
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. (MO)

Transunion reported error on my credit report stating I'm in a XXXX  XXXX am I'm not i reached out and they wouldn't change it on my credit report now it show derogatory