davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MO)

This is regarding my Best Buy Citibank Visa card. On XX/XX/XXXX, I ordered a pair of speaker mounts for {$250.00}. They were to be shipped to my home within one week. This order was never received. On XX/XX/XXXX, I called because, we had not received this item. I was told that we would have another pair of speaker mounts expedited to us by the end of the week ( no later than XX/XX/XXXX ). This date passed by and we never received the reshipment of the product. On XX/XX/XXXX, I called to follow up on this and was informed that the order on XX/XX/24 was never sent out, but that they would credit my account for {$250.00} and cancel this order. Then we could place the order again and pick up the speaker mounts at our local Best Buy store. We were informed to wait 2-3 weeks for the credit to process to our Best Buy Citibank Visa account. This never occurred. I called again on XX/XX/XXXX and was told after months of informing Best Buy of this error that I'd have to open a credit card dispute. The credit card dispute was opened on XX/XX/XXXX and closed shortly thereafter. I was never notified that this was closed or of the results. There is only a letter in my online account stating this was opened and there would be no interest while this is investigated. There was never a letter indicating the results only a 'closed ' next to the investigation appeared online. No one informed me of next steps. Then, after calling twice, once on XX/XX/XXXX and then again today, XX/XX/XXXX, I was told that the item was marked 'delivered ' on their end and the only thing they can do is direct me to contact the local police department and carrier of this delivery. They indicated that I am responsible for these charges. At this point, my credit card is paid off with the exception of these charges ( {$250.00} ) and I'd like a resolution to this matter, as I've been unsuccessful working this out with Best Buy Citibank. I've attached the only letter in my account regarding this dispute as well a screenshot of the area indicating that the dispute was closed with no other details as to the reason.
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CT)

On XX/XX/2022 @ XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX @ XXXX I used there Western Union machine ( that I have used for the last 2yrs ) to send money to my Godson XXXX XXXX XXXX XXXX {$25.00} and paid the {$9.00} ( processing fee ) total {$34.00} on XX/XX/2022 When XXXX went to receive the money there was an Error and contacted me right away. I then called Western Union ( WU ) An was giving a case # XXXX by Monday XX/XX/2022 I contacted WU w my case # an told it was in process an someone would be contacting me. Then on Tuesday XX/XX/2022 I was told to go to the store where the transaction took place. I did with WU on the phone w me then told never mind someone will be contacting me. So on XX/XX/2022 I called WU gave my case # and was told there was no case #. I asked to speak XXXX there supervisor but was told I could Not an told they could Not give me there supervisor name. So, I called my Bank XXXX XXXX XXXX  ) to see if I paid for my transaction and I did and showed it in my checking account. So, I called Western Union Corp in Indiana and spoke with XXXX @ XXXX on XX/XX/2022 an was giving a New case # XXXX and told by XXXX that I would be contacted XXXX by Friday XX/XX/2022 But No One had called or emailed me XXXX. So, Again called XXXX the WU corpXXXX on Monday XX/XX/2022 and gave them my case # & was told someone will be calling bk that day. But No one called bk. Again I call XXXX on Tuesday XX/XX/2022 told my case is being process. No one called or emailed me XXXX XXXX, again I call on Thursday XX/XX/2022 and told there was No case then received an email stating that I never paid for the transaction. So, last night XX/XX/2022 I was on the phone with WU Corp. for over XXXX & XXXX trying to correct this but got no where and once again told the supervisor was not available to talk and gave me a New Case # XXXX Hhhmmmm Not sure what else to do other than contacting you. Can you Please Help? Do I have to hire a lawyer to go after WU Corp? 
Thank you Sincerely XXXX XXXX Email XXXX XXXX
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT 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!!
Consumer complaint received 2022-10-14
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. (CA)

Im submitting a complaint to you today 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 which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$280.00} ; XXXX  XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-19
Product: Credit reporting 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. (GA)

I am writing to dispute a hard inquiry that has appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified this hard inquiry that I know is inaccurate and should be removed : XXXX XX/XX/2023
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (NM)

I emailed the following on XX/XX/XXXX to help@rocketmortgage.com, which has since been updated with more statements of fact : I just had the most unhelpful interaction with a Rocket Mortgage employee ( XX/XX/XXXX and XX/XX/XXXX ) and I wanted to let you know that I don't appreciate it. I called on Friday XX/XX/XXXX to find out when my PMI will drop off my home loan ( XXXX ) after receiving a notice in the mail from Rocket Mortgage with details about removing the PMI. I got unwittingly got transferred to XXXX XXXX in sales, who told me that she would " check and see if she could get it off earlier than the XX/XX/XXXX date ''. She said she had to run my credit to do that. I didn't sound right but I figured that she was being forthright because she is properly trained and held to the ethics and disclosure standards of a financing company. The PMI is very low at roughly $ XXXX a month. 

I didn't hear back so I followed up with her XX/XX/XXXX. On a follow up call today she said that the only way to get PMI off early would be a re-finance ( at a much higher interest rate ) or an appraisal ( estimated at {$500.00} ). Neither of which am I interested in and this should have been disclosed during the conversation on Friday XX/XX/XXXX. 

This puts a bad taste in my mouth because your company is a loan company, held to certain standards of fairness and disclosure by the Consumer Financial Protection Bureau. By not disclosing this information ahead of running my credit and then trying to sell me on another product- is just tasteless and unethical and calls into question how ethically responsible Rocket 's business practices are. In addition, I got two follow up sales calls to try and get me into another loan in the days following my call with XXXX on XX/XX/XXXX. It's clear that their priority isn't servicing the client, it is reaching their sales goals. 

I just became a customer in late XXXX when I refinanced and I want to be able to trust the company that I am working with for my largest purchase. This calls into question aggressive sales tactics that are misleading and unethical. I will no longer call them with the understanding that they are there to service my loan, but I will take a more defensive approach knowing now that they are okay with misleading existing customers to get to whatever their sales goals area.
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

Since I did not receive a final bill from Financial Asset Management Systems , Inc., since XX/XX/XXXX, I decided to contact them about my collection account with them since I was under the impression that I was almost finish paying XXXX in full. Next, I contacted FAMS to confirm my payment history and their representative confirmed my payment history of 21 payments out of the 31 payments that I have made thus far. In XXXX, one of the bills that I generated from XXXX XXXX XXXX in XX/XX/XXXX in the amount of {$250.00}. I contacted XXXX XXXX to resolve the issue because I was told initially that {$60.00} would cover everything. Then within 30 days I received surprised multiple bills from XXXX XXXX XXXX. That issue was never resolved. Then I decided to make arrangements for {$10.00} which I have made. During the inquiry, I discovered that my payments were not being properly posted to my collection account with FAMS. After, I brought FAMS accounting errors to their attention then they decided to close the account and send it back to XXXX XXXX XXXX XXXX. Therefore, I contacted XXXX XXXX XXXX XXXX and spoke with XXXX XXXX XXXX, and she provided confirmation that I made 24 payments and stated that FAMS send them the payments every 2 to 3 months. However, both companies are violating the Fair Debt Collection Practice Act when they are intentionally collecting an amount greater than I owe. From my perspective all accounts should be verified when they are sold or received. Also, consumers should be provided a receipt of their new and final balance before and after paying their final bill. Consumers should not have to do collection agencies accounting discrepancies. 

In addition, the way both companies posted my monthly payments made it appear, as if, I am in the rear when I am not. For example, the dates of the money orders are for that particular month, and they should not be carried over to another month. Instead, they are just posting my payments, and some of the payments are not in sequential order with those dates on the money orders that have been posted to my account. As a consumer, I find it very odd that both companies would implement the same practices and refuse to forward payments over to the collection company that they hired. Also, this is a clear indication that the billing information is not properly verified, and names or detailed notes are not kept on accounts for verification. 

To resolve this issue, I am requesting that these practices be fully investigated so this can be prevented from happening to someone else and my overpayments to FAM. 

I have attached some of the communications between XXXX to XXXX and their contact information is on their bills and communications.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A month ago I sent in a complaint to you about XXXX having informed me that information was compromised and that an at tmobile was opened in my name. I didnt do it. I complained to XXXX..they deleted the account along with a sprint account. They then said that they will contact the other XXXX agencies and have it removed as well. It was deleted. But as of today, its listed on my XXXX and TransUnion credit report when it wasnt last month. This has been going on for months now. They deleted it from all reports but now its back on my ransUnion and XXXX. I demand them to be taken off those reports. They are not mine. They were fraudulent accounts opened in my name. Ive attached the letter that experian sent in the very beginning Having to write all this again is very frustrating and time-consuming. In addition, I did get an autoloan ... at 20 % ... its because those XXXX accounts are on my report when they should n't have been. In turn impacted the interest on my auto loan. XXXX says my vantage is XXXX no accounts in collections. They got it right. Then credit karma says the other XXXX CRA TU and XXXX is XXXX XXXX. I dont understand but I demand that those accounts be deleted. There 's been a number of complaints that I have submitted. So I 'm a little confused as to who needs what and what goes to who. I think I 've attached the right documents. IT WAS DELETED BUT ITS BACK ON. checking this option wasnt available for my XXXX complaint from the pull down menu listed above )
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (TX)

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX MORTGAGE SER 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 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 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am a 100 % XXXX Veteran, I am not only protected by the CARES ACT, but also I am protected by the SCRA, Servicemembers civil relief act. I had a loan with Rushmore Loan Management Services. I was in a forbearance. I was in direct communication with the lender starting in XX/XX/2021, continued in contact sending in modification documentation to help come out of the forbearance I was in. I never stopped communication about my need to get more information from the lender to resolve the current situation. I never had any communication form the lender about potential foreclosure action etc. A letter from the CFPB and DOJ, ( attached ) was sent to the mortgage lenders, to protect the borrower, and has specific dates and instructions for the lender. This protects the borrower, and Cleary states the wrongful foreclosure that took place in 2021. I believe this is a red-lining act, and in this situation, my home was taken in XX/XX/2021, and SOLD on an auction without my knowledge. I am a 100 % XXXX XXXX American man, and I am 100 % sure this was discriminatory. I had no idea they did this, from what I understood by emails and communication ( attached ) actively with the lender, that I was modifying my loan. My home was sold, and my loss is severe. I want action taken and I will not stop until it happens. 
Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-02-27
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX account number XXXX, which has been charge off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (PA)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), balance is {$350.00}, and account # XXXX.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This was not sent is error i am a consumer by law and my information as misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$460.00} account # XXXX 30 days late in XX/XX/2022 XXXX
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (TX)

iN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXXXXXX XXXX : ACCOUNT # XXXXXXXX XXXX : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681S- 1681C. ( A ) CREDIT REPORTING AGENCY XXXX AND EQUIFAX HAS ALSO VIOLATED MY RIGHTS FOR PRIVACY. I HAVE ASKED FOR PROOF. IT HAS NOT BEEN GIVEN. ITS BEEN OVER 3 MONTHS SINCE THE INITIAL LETTER WAS SENT TO THE CREDITORS.THE ACCOUNTS LISTED DO NOT BELONG TO ME. I AM DEMANDING THAT IT BE REMOVED FROM MY REPORT IMMEDIATELY OR I WILL BEGAN LEGAL PROCEEDINGS TO SUE XXXX. {$1000.00} PER VIOLATION.
Consumer complaint received 2022-04-22
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. (MA)

For the last almost year since XXXX of XXXX TransUnion has flat out refused to allow me to dispute 2 fraudulent hard inquiries made on my credit report in XXXX. XXXX XXXX XXXX allowed me to dispute the fraudulent inquiries, they were investigated & removed. TransUnion is the only credit bureau refusing to allow me to dispute this fraud against the FCRA.