davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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. (OH)

I have mailed the 3 credit bureaus requesting validation of debt being reported on my credit profile over 30 days ago and until now I have still yet to receive a mail stating the status of my request or an update. I have mailed a follow-up letter requesting such information and haven't received a response
Consumer complaint received 2021-05-18
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. (NY)

I am the victim of identity theft and have placed fraud alerts on all of my credit reports. The telephone number on the fraud alert which is listed on my credit reports needs to be updated to ( XXXX ) XXXX. 

Since the placement of the fraud alerts on my credit reports, a number of inquiries have been placed for credit using my name and social security number that I've never authorized. 

The XXXX and XXXX XXXX XXXX XXXX Accounts that appears on my credit reports is a result of fraud and identity theft. I have filed an Identity Theft report and police report with the credit bureaus but, they are refusing to remove it. 

The matters in this complaint have not been addressed or have ever been in any Litigation or before a court of law nor are they scheduled or filed to be heard in a court of law.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I made several attempts to resolve the issue. The credit furnisher insist on handling my complete and accurate Identity theft form as a regular dispute. I am now moving forward with a civil suit, {$10000.00} for each fraudulent account that appears on my credit file. This civil suit involves the credit furnishers and creditors for defamation of character
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I refinanced a mortgage with my credit Union. XXXXXXXX XXXX paid of the previous lender XXXX XXXXXXXX XXXX. I contacted them and they said that the loan was paid off. 
The problem is when I pull up my credit report with XXXX it now shows I have XXXX mortgages XXXX with XXXX XXXX XXXX XXXX and the report still shows I have an active mortgage With my previous Lender. This shows I have XXXX active mortgages on my credit report. I have disputed this with XXXX and called XXXX XXXXXXXX XXXX letting them know of the problem. I was advised they would pass this information on to the department that will take care of this. I have called XXXX several times trying to get my credit report updated showing I only have XXXX mortgage with my credit Union. As of today the XXXX of XXXX the wrong mortgage information is still on my credit report but it shows under a dispute but it's been under a dispute for over 30 days and every time I call XXXX they keep saying they have up to 30 days to correct the error. It's obvious I'm not getting any where to get my credit report updated. I hope filing a compliant with your department will get them to do what is necessary to correct my credit report since filing a compliant to your agency should let them know it's time direct a little more attention to getting this credit report corrected.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (IL)

the first complaint is XXXX This company listed a collection on my credit report without notifying me of the debt. as of XX/XX/XXXX the account is still on my report and I was not given time to dispute the item. I have twice reached out to the company and have yet to get an email back from the manager about the account. they listed in their response that they validated the debt in XXXX of XXXX well at that point when it was done the account was already on my credit report the reason the validated to debt was because when they placed it on my report in XXXX of XXXX the first ( 2 ) letters went to the wrong address so therefore the account went on my credit report because I did not dispute it. I did not know of the account at that time all of their calls are recorded I ask for them to pull the call and they can hear the agent tell me that the letters went to the wrong address and that she would send me a new one so that I could look and see what it was and take care of it but they refused to remove the account that was placed on my file in error
Consumer complaint received 2021-05-18
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. (IL)

Experience has this unknown information that I requested removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX Il XXXX XXXX. XXXX XXXX XXXX Il XXXX
Consumer complaint received 2022-04-12
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. (GA)

Violation of my Rights. 

The rights that were violated are listed below : 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 also states that a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code Subchapter V Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information, not communicate by post card, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2017-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery attempts to collect a debt that I have no knowledge of. From previous contact with the collector, the address provided on a letter that was supposedly sent to me has never been a resident of mine. Case File XXXX In The Matter of Portfolio Recovery vs CFPB there is lack of documentation and no Lawful verification was done. Therefore, the information is not sufficient to form an opinion as to the truth or accuracy of Portfolio Recovery ' s claim. I request Portfolio Recovery to produce the original signed contract between the original company and I. Also produce a copy of any modifications to those terms agreed to SPECIFICALLY by myself. Please provide proof that Portfolio Recovery owns this debt and a contract showing an agreement between myself and the collecting company. Whereas no relationship exists between Portfolio Recovery and I and whereas I never signed a contract or agreement with Portfolio Recovery, I cite Lack of Privity. The referenced account should be removed from my credit report immediately. The collecting company continues to violate my consumer rights.
Consumer complaint received 2022-04-12
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. (NC)

In accordance to the Fair Credit Reporting act XXXX  account XXXX XXXX acct # XXXX 30 day late payment, XXXX acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  # XXXX 30 60 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX # XXXX 30 day late payment, XXXX XXXXv acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX fXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # acct # XXXX, original acct # XXXX, XXXX XXXX XXXX XXXXt # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

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

15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

XX/XX/2023 I received a letter from Citi. That they accepted the debt management proposal. However, I never enter in a debt management program. My daughter XXXX XXXX did in XX/XX/2023. Now she was only an authorized user thats it. Im the primary card holder. So the debt management must of sent a letter to Citi. However, instead of ignoring it. They cancelled my credit card but Im the primary cardholder in good standing. Also, when I called I would get to call collections when my card is in good standing. So today on XX/XX/2023 I called Citi collections and they tell me I have to call the debt management company to remove this request. But I have no account or any communication with this debt management company. This is Citi error because they should of not canceled or closed my account because an authorized user has not authority over a primary user account because it on my credit, my name and my social security. When XXXX tried to tell Citi Collections rep on their mistake. She keep referring me to call the debt management. 
I cant talk to them I have no services or account with this unknown company. Why should I fix Citi error. Now this mistake dropped ky credit scores because they closed my account and now it shows in a payment plan when I never request this. I tried to talk to a manager and the rep didnt want to connect me to one after 7 times I asked and demanded she put me on hold for 10 minutes and stated no manager wants to talk to me. That I need to fax a letter. I told the rep Citi in violation of the XXXX rules and no authorized user can canceled the primary holder credit card and Citi can not used an authorized user debt management program to override the primary card holder credit card. I tried to get this fix and explained that this is Citi error. Debt management did their part to give notice and Citi only had to do is file the letter and do nothing because it didnt pertain to the credit card primary holder. 
Citi is probably doing this error to other clients as well. I want some form of action and some investigation because my credit was affect and my credit card rights were violated Thank you, Primary Credit Card Holer
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute an unauthorized inquiry on my credit report. Upon reviewing my credit report, I noticed an unauthorized inquiry on my credit report. I have no record of initiating any business or financial transaction with the said creditors that would warrant such an inquiry.
Consumer complaint received 2022-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

I did a Mortage Assistance application after being denied 3x for forbearance because they said I exhausted my time when I used it during COVID-19 being laid off in XXXX. I'm currently unemployed and did the mortgage application on XX/XX/XXXX, XX/XX/XXXX. I have sent the requested documents to the email they gave and no avail and have been calling over a dozen times to get information. I keep on being told different information and not allowed to speak to someone in loss mitigation that potentially can help me. I have sent the requested documents several times and keep getting conflicting information including they have not received anything. I'm only asking for 2-3 months to get caught up as I start back to work f/t next week. The communication is horrible I have to verify and keep telling customer service reps that are clueless and have to repeat my story over and over like already over 50 times. This is very aggravating, stressful, and can't even sleep. I need help!!! And now all of a sudden after speaking with someone I can't access my account online. It's blocked. They won't even email or call.
Consumer complaint received 2022-01-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (NC)

On XX/XX/XXXX the company Medicredit contacted me about an alleged debt. I responded on XXXX XXXX asking for debt validation. On XX/XX/XXXX, I sent my second response to Medicredit as I only received a medical bill, which does not constitute debt validation. XX/XX/XXXX, I received a total of 6-8 letters with varying amounts due and varying account numbers from Medicredit. Some were duplicate amounts with different account numbers and some had different account numbers with same amts due. I responded to Medicredit on XX/XX/XXXX, again, asking for debt validation, specifically something that bares my signature. As of today, XX/XX/XXXX, I received a notice from XXXX that Medicredit has filed the collection on my credit file. This is highly illegal as I am still in the dunning period and they have yet to verify the debt belongs to me. All my communication to them has been sent certified, which I have receipts of as well as copies of ALL our communication which I have attached.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is listed on my credit report as owing XXXX. I have XXXX XXXX XXXX and before that XXXX. This account does not belong to me. Also, this same collection was on my report several years ago and was removed. It has been reinserted under another collection company.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MD)

This is a follow-up response to my previous complaint on one of my American Express Cards . American Express didn't address my second credit ( ending in XXXX ) SCRA benefit properly which my complaint was primarily filed against - there was a balance of {$940.00} that they saw and overlooked on XXXX XX/XX/2023 that was paid on after my orders started on XXXX XX/XX/2023 so they're reporting inaccurate information to CFPB. I have the statement ( see attached ) that they conveniently left it out in their response but they put in the statement for the first credit card - there was a balance that was subject to SCRA before my orders started. Please look into this. Thank you.
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

I returned a product. The company said that it was not returned before the billing period processed so I was charged for it and accessed a late fee. They said if I just paid a certain amount that day it would be put completely to XXXX. This has happened every two months. I have paid almost 100 dollars for something I returned. They claim they can't take off late fees, they can't fixed the billing periods, etc. It seems to be a scam. They have reported my account to the credit agencies and now my credit is ruined for 7 years. The mistake is theirs.
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore Loan Management Services, LLC ( Rushmore ) is in a business to foreclosure people home. I request the reinstatement quote many time : 1/ Reinstatement request email and fax to Rushmore on XXXX XXXX, XXXX 1/ Another request for Error Resolution Notice XXXX 12 C.F.R.1024.35 email and fax Rushmore and Trustee XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) But both of them continue to ignore my request. 
Today, XXXX XXXX, XXXX I received this note from Rushmore with the copy of the Note and copy Deed of Trust with down the breakdown in detail reinstatement quote as I did request Rusmore many time. 
Rushmore clearly does n't care about customer service or customer satisfaction. Nobody trust this company. Consumer Financial Protection Bureau please help to make this company out of their shady business as soon as you able. They just be here to harm and hurt customer. 

Attachments : 1/ Request for Reinstatement__XXXXXXX 2/ Error Resolution Notice Plus__XXXXXXX 2/Useless letter from Rushmore__XXXXXXX
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have forward paper work over disputing these items. these accounts were removed, but later returned please remove these from my credit report upon my request.. 


XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$23000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$28000.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$30000.00}
Consumer complaint received 2019-09-11
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (PA)

I received notification that my credit report got a ding from collection agency NATIONAL ENTERPRISE for a $ XXXX debt from XXXX XXXX XXXX XXXX an entity I have never done business with in my life. In fact, I recently just settled a former student debt with the IRS last year so this is clearly a fraudulent charge and I have already gotten the FCC, CFPB, OIG involved and put a fraud alert with credit report agencies.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

XXXX sent my balance to collections. XXXX XXXX was supposed to cover the cost of that semester through the GI bill. I cant control what, when amd how the VA operates. The VA delayed notifying anybody that my benefits had been exhausted until well after the semseter ended. XXXX then attached an additional {$370.00}. Of interest. I explained it was not my faultamd i am having a financial hardship. They then proceeded to send it to collections DESPITE me making payments directly to the school. 

I spoke with a rep today and was informed that they the collections even though I am paying the school directly. Then what is the point of a collections agency if I am paying the school directly. The rep also OPENLY ADMITTED that they did not received anything from the school other than the INCORRECT balance owed. No info about my XXXX staus, no info on my contract with veteran affairs not info on my financial hardship. im paying the school 2-3 per month. CONSERVE needs to be removed they serve no purpose other than aggravation
Consumer complaint received 2023-07-18
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: Continental Finance Company, LLC (IL)

In accordance with the Fair Credit Reporting act XXXX Account #, 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 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (NC)

The credit union charges every month interest in cash point, plus the interest for the amount use on the card, then insurance which I think is unfair to the consumer, as opposed to that fee covering the pay back amount.
Consumer complaint received 2022-01-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. Auto Sales Inc. (WV)

US Auto Sales is attempting to collect a debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692 gXXXX Letter was received via certified mail on the XXXX of XXXX and signed by XXXX XXXX and the 30 day time frame has expired. Still no correspondence. I also requested them to cease and desist all communications but have received emails as well as spoke with their agents who have still continued to take money from me after I told them to cease and desist all communication. 

XX/XX/2022 spoke with agent XXXX, not sure if her name is spelled correctly. When I asked her to verify how to spell her name, she hung up on me. Called right back and spoke with XXXX, who took a payment of {$47.00}. XX/XX/2022 spoke with XXXX who did not take a payment but had to send a code to my vehicle for me to be able to drive it after I requested it be taken off of my vehicle while this investigation is going on. Then on XX/XX/2022, spoke with XXXX XXXX who took a {$20.00} payment from me.
Consumer complaint received 2022-04-11
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. (MI)

In accordance with the fair credit reporting act XXXX account name XXXX XXXX XXXX account # 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or concern.