davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

Rushmore has failed to respond to my complaint ID XXXX, and now I am getting letters from the attorney about the foreclosure and about when I need to leave my home the attorney is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Michigan XXXX phone number is XXXX I do not have a email address but you may know of them already also says what I guess is the file number # XXXX the property is now called a XXXX XXXX XXXX. Also there was no 4 week advertising in the local paper which is law in Michigan to advertise the foreclosure for 4 weeks, here it is in the legal news also they were to inform us of the foreclosure and put a copy of the ad on our premises which they did none of also as described in the original complaint that the 180 covid 19 forbearance extension of the already in force original 180 day covid 19 forbearance was denied by the owner as that was stated in the letter of denial also on the latest billing and the one before that it said that we were in a loss mitigation program and on a repayment plan that is very deceptive as if I new this was legally going to be foreclosed my son was talking about moving back in and we could have tried to work something out but this was all done in silence and behind our backs and also deceptive saying we are in a loss mitigation program please help.
Consumer complaint received 2022-06-19
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. (FL)

Upon reviewing my credit report, I noticed several fraudulent accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to all of these collectors asking for anything thing with my wet signature and none of them were able to furnish anything I signed. I have reached out to them THREE times in writing asking them to remove these fraudulent accounts from my report and haven't gotten a response. It have been over 90 days. The fraudulent accounts that I noticed on my report are listed with the amounts, account numbers and name of collector below : XXXX ) XXXX XXXX account XXXX Date Opened : XX/XX/XXXX amount : {$410.00} XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX Date opened : XX/XX/XXXX amount : {$1500.00} XXXX ) XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) account XXXX XXXX XXXX Date Opened : XX/XX/XXXX amount : {$8200.00} XXXX ) XXXX XXXX account number : XXXX Date Opened : XX/XX/XXXX amount : {$600.00} XXXX ) XXXX XXXX  account number : XXXX date opened : XX/XX/XXXX amount : {$600.00} There were also a stream of inquires that I didn't notice from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX
Consumer complaint received 2018-12-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BB&T CORPORATION (TX)

In XX/XX/2017. I purchased a cashiers check from BB & T bank in XXXX XXXX  TX. The check was for XXXX XXXX  of XXXX XXXX XXXX. Make Homes Affordable The check was for {$1500.00}. After a two week long period?. I had been calling and emailing her and no response. I called the XXXX XXXX   Police Department.

They had decided that the company was XXXX XXXX and we had been scammed. I asked BB & T to track my check and they said it had been cashed.

BB & T would not give me any information about the bank or the company that had cashed it .There was not enough catagories for XXXX XXXX and XXXX XXXX XXXX . This involves all of them and so Im asking for them all to be investigated.

Thank you
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (KY)

I have a mortgage with Freedom Mortgage Company. I have an escrow account that should pay my property taxes. They were due in XX/XX/XXXX of last year. As of today they have not been paid and the county I live in is threatening me with legal action.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened CheckingXXXX and SavingsXXXX with a promotion for a {$400.00} bonus for maintaining a balance of {$15000.00} for 60days. I confirmed with the agent I was enrolled and complied with the rules of the promotion. I completed the terms of the promotion, the {$400.00} credit was to be applied within 90 days which was XX/XX/XXXX. The bonus was not posted.
Consumer complaint received 2022-06-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15U.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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NM)

On the XXXX of XX/XX/2021, a Fraudulent transaction of XXXX {$43.00} on my US Bank Credit Card XXXX XXXX XXXX XXXX, was made. 

I did not know about this transaction, but US Bank started charging me a Late Fee and Interest. I had contacted them in XX/XX/2021 when I got to know there was a balance left on my card and explained to the US Bank that this was a fraud transaction. 

US Bank has agreed this is a Fraud transaction, and they have removed the late fee, interest, and balance on this card. 

But, by this time, it negatively affected my credit report as they considered these transactions as of late payments. 

US Bank suggested I dispute this with the credit bureaus. I have done as they told me, and now US Bank did not clarify the bureaus about these fraud transactions, and they have closed my account without even informing me.
Consumer complaint received 2018-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Please send me the review findings of your assertion that it was determined you can no longer service any accounts for me. 
If you do not send me the findings, I consider this a hearsay which is usually disallowed as evidence in the court of law. 
Lack of supporting evidence will be me consider by me as a discrimination and discouragement to apply for your credit card. At that point I will consider to take legal action against your company.
Consumer complaint received 2018-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/XXXX I found a transaction in my savings account, dated XX/XX/XXXX, where XXXX did a trial debit of {$1600.00}. I immediately went to TD Bank in XXXX and filed a claim XXXX. The CSR said it was a debit fraud issue. It was actually an ACH issue I found out a week + later. Later that evening I found another trial dated XX/XX/XXXX. My account was then frozen and I could not access online banking. I was being told I had to agree to a verbal (? / used to be a written ) disclosure and the phone wait time in the branch is 2 hours. I have yet to get a response to my claim as to whether I am safe to use my accounts again. They have told me the funds were not taken since I reported the same day, but I have no update as to whom tried to take my money. Their voicemail is vague and I left 4 messages XXXX. I found out last Friday that they don't answer the phone. Then why was I given their # to call?? This operating procedure is unacceptable. I got the runaround from XX/XX/XXXX - XXXX. I could do no banking nor see if my remaining funds were in tact. Coincidentally, I just heard that my employer 's payroll person is being accused of stealing money from the company. Hence why I am concerned also about my remaining accounts.
Consumer complaint received 2022-03-05
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: WELLS FARGO & COMPANY (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I attempted to get this resolved with the credit reporting agencies a few months back and the accounts are still on my credit report. This is damaging my character, reputation, and well-being. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Credit reporting laws ensure that credit reporting agencies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

There are several violations on this account : Each Credit Reporting Agency is showing a different date of last activity and a different payment history. 

Therefore, the unauthorized accounts on my credit report need to be deleted immediately.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a account with capital one in the past and I noticed few transactions from XXXX XXXX has been taking out of my account totaling around {$1800.00} and I disputing these transactions with capital one few years ago and yet they denied my claim and unable protect customers from fraud and rebilled my account .. if they dont open up a fraudulent investigation and Protect me from further fraud I will take legal actions against this bank. Like others customers that have did with XXXX transactions fraud .. once again my claim with XXXX XXXX payments were denied by the bank I called XXXX XXXX back in XXXX of XXXX and they close this fraudulent credit card in my favor and since I didnt apply for this account and removed it off my credit report..
Consumer complaint received 2022-06-19
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. (TX)

I did numerous disputes with Transunion about items/inquiries on my credit report that did not belong to me. Transunion falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that Transunion remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections 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
Consumer complaint received 2022-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've received a copy of my Transunion credit report and found the following items to be in error. I am being wrongfully denied credit due to this matter
Consumer complaint received 2018-12-17
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: Diversified Consultants, Inc. (AL)

I have sent two certified letters to Diversified Consultants INC asking for documents bearing my signature and I also have proof of someones signature so they have received my letters! They will not provide the documents bearing my signature! Only itemized bill! Theyre continuing to report to CRAS without proper Validation that I asked for! Itemized bill is NOT validation! I sent letters XX/XX/2018,XX/XX/2018,XX/XX/2018 but keep getting itemized bill! I have no other choice but small claims!
Consumer complaint received 2018-12-17
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: CITIBANK, N.A. (CA)

A hotel booking was made using the Citi Concierge for a Citi prestige 4th night free booking. 
By using this service provided by Citibank, the Citibank Concierge books the hotel for you for 4 nights, and you receive a statement credit equal to one night stay stay for 4 nights, pay for 3 nights. 
The booking was made by the Citi Concierge named XXXX, Case Id : XXXX The booking was made on XX/XX/XXXX. 
XXXX made the booking for the XXXX XXXX XXXX XXXX and confirmed it would qualify for the 4th night free benefit. 
I was required to sign an authorization form for a non-refundable deposit and then email the concierge that the form was signed, and the deposit was charged. 
XXXX. XXXX, 2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} The balance was paid on XX/XX/XXXX XXXX XXXX, 2018 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1800.00} The 4th night free credit was to be applied to my account within 2 statements. It has not been applied and now the Citi Concierge is refusing issue the credit. 
I am disputing {$950.00} of the {$3900.00} billed for the amount the of 4th night free credit that I am owed. 
The CitiConcierge made the booking under the 4th night free benefit, the booking was paid in full using my Citi Prestige card, I complied with all the terms of the program.

I did not make this booking, the CitiConcierge made this booking. 
I have attempted to resolve this with Citibank directly and they have done nothing. 
This card has a very large annual fee, I do not appreciate trying to be cheated out of using the benefits of this card.
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (DE)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately
Consumer complaint received 2022-06-19
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. (AL)

In accordance with fair credit reporting act.All the hard Inquiries on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX Accounts that on my credit report has violated my rights.15 U.S.C.1681.Section 602A.States that I have a right to privacy. 1681.Section 604A.Section2. It also states a consumer reporting agency can not furnish a account without my writing instructions.15 U.S.C. 1681.C. ( A ) ( 5 ) Section states : no consumer reporting agency may makes any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes for more than 7 years
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

On XX/XX/XXXX, I wrote a letter to Equifax in relation information I received from Foremost my Auto Insurance Company.

Equifax reported to the insurance company an address that was commercial, never residential. Once in XXXX, I had an office there. I don't, nor have I ever lived at the XXXX XXXX XXXX XXXX XXXX address. 
When I try to log onto the Equifax site I am provided information for accounts I have never had in my life. 
On XX/XX/XXXX, I emailed my driver 's license and my Electricity Bill in an attempt to have them remove the inaccuracies from my account. 
On XX/XX/XXXX, I faxed my Driver 's License, My Electricity Bill, my Voter ID, My XXXX XXXX XXXX Card to Equifax. 
Someone should be able to talk to me when I am able to talk with them. No one responds to voicemails. No one responds to US Mail and you have to already not have a problem too log on to Webmail. On XX/XX/XXXX, I also used the webmail form to make my complaint. Now, it is XX/XX/XXXX and my insurance is still higher than it should be because this consumer company is not responsive to consumer complaints. Please help me. I simply want the correct information on my consumer credit report. 
XXXX XXXX
Consumer complaint received 2018-12-16
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: Experian Information Solutions Inc. (GA)

An address appeared on all 3 of my credit reports ( Experian, XXXX, XXXX ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-05
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. (NJ)

I called, emailed and sent letters out to the credit bureau disputing these fraudulent activities and nothing has been removed. I asked them to remove because it's fraudulent activity that was never authorized by me. Nothing has been done. 

XXXX is reporting XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Never authorized by me. 

Transunion is reporting XXXX XX/XX/XXXX XXXX/XXXX/XXXX and XX/XX/XXXX NEVER authorized by me