davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (MS)

I have an hard inquiry on my credit report on XX/XX/XXXX. XXXX for a gas card with Shell/cbna. I did not apply for a shell card XX/XX/XXXX. I called them at this number ( XXXX ) XXXX to dispute the hard inquiry and wanted it taken off my credit report. They told me to contact you at XXXX. I did and got sent here. 
I did not apply for a card with them XX/XX/XXXX and all I wanted was this hard inquiry off my credit report.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONLINE Information Services, Inc. (FL)

Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 
1 ) XXXX XXXX Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX XXXX  Reported : XX/XX/2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/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
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Below are the following accounts that I've made numerous disputes on and ask to remove these from my credit report. I've reached out to the companies as well and still, they have not responded and it's been over 30 days. I have no knowledge of these accounts and would like them removed from my credit report expeditiously. Due to these items on my credit report, I have not been able to get loans and my family has been facing severe hardship. Also, my credit report has drop significantly. 

XXXX ( account open on XX/XX/XXXX ) Account # : XXXX- {$250.00} XXXX ( account opened on XX/XX/XXXX ) Account # : XXXX- {$89.00} XXXX ( account opened on XX/XX/XXXX ) Account # : XXXX {$19.00} XXXX XXXX ( account opened XX/XX/XXXX ) Account # : {$6300.00} XXXX XXXX -Account # XXXX XXXX ( account opened on XX/XX/XXXX ) Account # XXXX {$400.00}
Consumer complaint received 2024-05-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

That's a crucial discovery! If the loan history doesn't show any payments from XXXX ( XXXX ) to Bank of America, or any payments collected from default insurance or credit default swaps, it raises questions about how the loan was allegedly " fully paid off '' without your knowledge. 

This lack of payment history suggests that the loan might not have been properly satisfied or paid off, which could be a violation of mortgage servicing rules and regulations. It's possible that there was an error or fraud involved in the loan 's servicing or foreclosure process. 

To further investigate, you may want to : 1. Request a detailed accounting of the loan from Bank of America, including any payments or credits applied. 
2. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) or your state 's banking regulator.

3. Consider consulting with an attorney who specializes in mortgage servicing and foreclosure law to explore legal options. 

Remember, it's essential to persist in uncovering the truth and ensuring that your rights as a borrower are protected.
Consumer complaint received 2022-03-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. Auto Credit Corporation (GA)

This companyis garnishing my paycheck. I was never served with any paper work of the lawsuit and this suit was filed after the statue of limitation. This XXXX was repossesed XX/XX/XXXX I only found out about the garnishment through my job advising me on XX/XX/XXXX.
Consumer complaint received 2022-03-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I am a surviving spouse with deferral rights. My loan servicing is being transferred between Champion ( XXXX ) and XXXX  ( XXXX ). I am caught between the two of the awful companies in trying to get a loss draft check paid to my contractor that did {$20000.00} repair to my home. I have provided Champion my information, time and again, and they always need for me to verify that I am the surviving spouse with the deferral rights. It took me months to gather the information, again, that they needed to pay this contractor. Once I that repeated request was resolved, Champion told me they could not issue a check because my account was being transferred the XXXX. 
I called XXXX- they told me they didn't have the funds and it could take 30 to 60 days to get the funds and then issue a check, The contractor is threatening to sue me! I have called the mortgage company, my attorney has called, my friend and I called together. All I get is sorry - nothing I can do. 
I've asked for an escalation- nope, can't do. I asked for a supervisor- nope, can't do. 
XXXX put me on hold for 10 minutes today. I hung up and called back. This time, after demanding a supervisor the attendant read me their script and then hung up on me. 
I just want the contractor to be paid, and without having to take me to court. They have the funds from the insurance company. The check has been endorsed. An inspection was made on the work.

I need help- please help me get this contractor paid.
Consumer complaint received 2022-03-23
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. (OH)

XXXX  has reported the 3 bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MI)

Hi, My name is XXXX, my loan was originally serviced though TMS and then was transferred to XXXX XXXX. I made my first payment to TMS for {$2500.00} of which {$2300.00} was the normal mortgage payment and {$180.00} was extra to be applied to principal balance. At the time of payment the extra {$180.00} was not applied to principal and left in a " suspense '' account. I called multiple times to get this extra payment applied to principal, as the principal balance is accruing interest and it should not be sitting in a separate balance. 

In the middle of XX/XX/XXXXmy loan was then transferred to XXXX XXXX. The transferred balances were as follows : Transferred to XXXX ( XXXX Received ) Principal Balance : {$310000.00} Escrow Balance : {$4100.00} TMS Account at time of Transfer Current Principal Balance : {$310000.00} Current Escrow Balance : {$4200.00} Suspense : {$180.00} As you can see, the balances were not transferred correctly and there has been no action taken to correct these issues. I have contacted TMS by phone on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I've contacted TMS there had been promise of follow-up and resolution to these issues. I have had no follow-up contact, or even acknowledgement of the conversations via email. Due to this lack of response I've been forced to file this complaint. I feel as though their corporate operations are actively trying to deceive me while not taking any action. At a minimum they need to increase the visibility of their communications with customers, follow-up with emails or phone calls, anything that shows that an account discrepancy is actually being worked on being resolved. The response shouldn't be, we'll fix it, trust us. There needs to be accountability and visibility. 

Best Regards,
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Asset Agency, Inc. (TX)

On XX/XX/2022, Global Asset Agency added a negative credit line to my credit report for a debt that they had never contacted me about or provided information to me prior to this being added. 

I have no knowledge of this company or the debt it refers to. 

I tried multiple times to dispute the debt and receive verification, but only was able to receive a canned reply from XXXX " this company has certified this information as being accurate. '' Seeing as how I don't know who this company is, what the debt is, and now they've dinged my credit and are affecting my ability to get additional credit, that is a frustrating response and I believe illegal since they didn't provide information prior.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Lundquist Consulting , Inc. ( LCI )  is reporting a bankruptcy on my credit report from the US Bankruptcy Court XXXX XXXX of New York. 
I have a letter from the court stating they do not report to credit bureaus. Or to any third party credit monitoring companies. Nor do they verify or validate any information pertaining to any bankruptcies. 
Lundquist Consulting , Inc. ( LCI ) is falsely reporting this information on my report and to all the credit bureaus. 

I've attached the letter from the court stating as such.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I was in a Covid-19 forbearance with my prior servicer, XXXX. After my forbearance expired, my advocate submitted a modification application to Rushmore via email on XX/XX/XXXX. We received no acknowledgment of receipt of the application, other than an automated email reply. On XX/XX/XXXX, my advocate sent an email to the same address provided for submitting applications, inquiring as to whether the application had been received. There was no response to this query, other than a similar automated email reply. My advocate called Rushmore on XX/XX/XXXX, and the customer service representative informed her that the application was complete and was " with a processor. '' Today, XX/XX/XXXX, my advocate called Rushmore and the customer service representative informed her that the application was still " with a processor. '' My advocate stated that Regulation X 's time frames for reviewing the application had been exceeded, and the representative disagreed, saying that the application had been deemed complete only on XX/XX/XXXX. Setting aside for the moment that, if that were true, Rushmore still had missed Reg X 's deadline for making a decision on the application, my advocate observed that while Rushmore had never acknowledged receipt of the application, as Reg X requires be done within five days of receipt, neither had it requested additional documentation or information, and no additional documentation or information had been submitted in support of the application since the application was submitted on XX/XX/XXXX. Accordingly, the application was complete when submitted, and review of it should have been completed by XX/XX/XXXX. The Rushmore employee simply told my advocate that she could submit a complaint about it.
Consumer complaint received 2024-05-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Bank of America and XXXX XXXX XXXX initiated the foreclosure process by sending illegal notice of default and sale to the borrower, demanding payment after a XXXX XXXX bankruptcy discharge.The bank can not demand mortgage payments in the notice of default and sale because the debtor is no longer personally liable for the debt. The bank must follow the procedures outlined in the bankruptcy laws and can not pursue the debtor for repayment of the mortgage debt. If the bank includes any demands for payment in the notice of default and sale, they are in violation of the discharge injunction and could face legal consequences. It is important for individuals who have filed for XXXX  XXXX bankruptcy to be aware of their rights and protections under the law.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (CA)

On XX/XX/XXXX I sent a letter to LTD Financial Services to validate the debt they assume I owe to their company. They have been reporting to my consumer since XX/XX/XXXX I never enter into any kind of consumer contract, they could not provide the validate the debt, they fail to report the dispute to XXXX FDCPA Section 807 ( 8 ). This has cause me a lot of pain and agony, do to them reporting toXXXX this on my consumer report This defamation of character, I had to live in a hotel for 2 months with my kids because I was getting denied for apartments it was very expensive and stressful. I had to pay a higher deposit with and find someone to co-signer.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding has been attempting to collect on a debt by way of Mail Fraud.I demand they cease and desist all communications in regards to this debt including removing it from my consumer report. I have already identified these items to the NCRA 's and this complaint will serve as notice that by law they have 4 Days to remove any information identified by the consumer as identity theft. XXXX  has already removed one of the accounts but I have been met with resistance in a matter that shouldn't be this hard to remedy. If federal laws are not upheld I will initiate the litigation process.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

On two separate occasions I never received my Bloomingdales Citi Credit card ( s ) nor did my authorized user Bloomingdales is not resolving the issue of fraudulent charges made on my accounts, in fact they are making my balance larger. I have reached out to them on multiple occasions and they are not helping at all. They are now saying my balance is XXXX  consisting of two charges for XXXX, one for XXXX and one for XXXX. I nor my authorized user on the account made these charges because we never received the card ( s ). Someone got a hold of the cards and made the fraudulent charges. 

I would like this matter resolved immediately Last 4 digits of my SSN are XXXX to help bloomingdales credit card find my account
Consumer complaint received 2022-03-23
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)

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 2020-02-26
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: DISCOVER BANK (NC)

I have a closed account with Discover Bank. A credit card. I recently had them do a fraud investigation and I was advised while under investigation I could not make payments toward the balance. At one point they showed the account as {$800.00} credit to me so there was no way I could make a payment anyway. First thing first they did a horrible job doing the investigation. Never called me, or asked me for any of my info ( including my police report ) they just ruled in their favor and said I owed the debt that someone else did when they stole me card. Here is the biggest factor though. Discover went back and mark my payment history as missed payments during the time they were conducting the investigation. They're the ones who told me not to pay and I didn't even have a chance too because the account showed to be credited. Discover and their horrible, rude employees refuse to fix the obvious. I have recorded every call with them including them telling me I have a credit and not to pay during the investigation.
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received an email from your company, Bank of America, which asked me to check the message in your company website. Therefore, I opened the claim number XXXX, which told the claim price {$50.00}. And an attached message/letter asked me to submit the additional information for this claim. As I mentioned in the previous letter, this claim must mean for the charge of XXXX XXXX XXXX in XXXX, NJ. However, on XX/XX/XXXX, the amount of {$58.00} was returned by the same office ; therefore, I would like to ask what this {$50.00} is meant and what kind of additional information you want. 

Sincerely,
Consumer complaint received 2022-10-13
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. (NJ)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

TransUnion has reported the following : COLLECTIONS XXXX XXXX  XXXX XXXX XXXX : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : 30 DAYS LATE XXXX XXXX : 30 DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX & OUTSTANDING XXXX XXXX XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

XXXX has reported : Collections : ( XXXX XXXX ) XXXX XXXX : 30 DAYS LATE XXXX  XXXX : 30 DAYS LATE XXXX : XXXX XXXX  : 30 DAYS LATE XXXX XXXX : 30 DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hi This is XXXX XXXX SSN ; XXXX, I sent you a letter last month and I was expecting to get a result or at least a response but until today ( XX/XX/2022 ) I still haven't gotten any. I joined an online discussion about XXXX credit repair online and I learned from some people that you were supposed to provide a response according to FCRA or I file a complaint. Please look into my issue because it's affecting my ability to obtain credit.