davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc (TX)

3-4 Months ago, a friend XXXX XXXX ordered something through Affirm. 
Somehow my information was put on the account from Affirm. 

We have both called to get this corrected and Affirm states they can not do anything to correct the social on the account. 

They simply kept stating that the Affirm has no way to change a social on account after it is made.
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore Management Services is my XXXX loan company for my home that can not find my previous payments that were made from the my last XXXX mortgage providers. Despite the fact that I keep sending bank statements, they are now trying to foreclose on my home. Back on XX/XX/XXXX, I received a Notice of Default, in which I responded and provided them with the DATES and BANK STATEMENTS to reflect that payment had been made, when then said they hadn't received payment. Because I am on Social Security and Only Get Paid, Once A Month, I pay my mortgage late, but I HAVE BEEN paying the mortgage nevertheless. Now, fast forward to XX/XX/XXXX, I received another Notice to Default. It appears as though Rushmore Management Services has been ( in the past 2 years between XX/XX/XXXX & XX/XX/XXXX ) applying ( Without my Knowledge ) my monthly payments ( that I have been making since then ) to what they claim to be the " past due monthly payments '' which is NOT CORRECT. I have sent in the Bank Statements to them ( via email & mail ) to Show that I DID Make the Payments that they are claiming are past due. Now because of this they are saying I am behind on payments and are attempting to Foreclose on my property. In addition to that, I attempted to make my XXXX payment on XX/XX/XXXX and I was told that they can not accept any more payment from me. WHAT!!! I have attached a copy of the Notices of Defaults I've received back in XX/XX/XXXX & recently on XX/XX/XXXX. Beside the dates they claim that are past due, I have written the date that it WAS INDEED PAID & I DO, have my Bank Statements to support these Facts ( again, which I have already sent to Rushmore Management Services and they STILL HAVE NOT UPDATED/CORRECTED their records ) I DO NOT want to loose my home due to a clerical error on their behalf.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (FL)

I received this BMO Harris Bank Mastercard which stated that I would receive a {$200.00} credit after spending {$1000.00} in the first 3 months of the card. I spent more than the {$1000.00} that was required and never received the advertised credit or cashback. I've spoken to them numerous times and been ignored some have even laughed on the phone which is very poor customer service. I hope this bank gets investigated for false advertising.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

In XXXX, my newly opened account with Navy Federal was restricted access because someone attempted to change my address multiple times. 

In XX/XX/XXXX, after placing a call to get my account unrestricted, I was told that I needed to send my identity and address verification documents to XXXX. For a month nothing happened. 

In XX/XX/XXXX, after calling the Navy Federal customer service center, I was again told to send my identity and address verification documents to XXXX. Two months went by and my account was still restricted. 

On XX/XX/XXXX, I again called the Navy Federal customer service center and expressed that I have not had access to my account for almost a year. The representative again told me to send my identity and address verification documents to XXXX. The representative waited on the phone until I received a confirmation email that the department had received the documents. The representative said give it a few days. After several days, my account was STILL restricted and I still had no access to it. 

On XX/XX/XXXX, I called the Navy Federal customer service call center again and this time asked to speak to a supervisor. The supervisor told me that unfortunately I was given the incorrect email and department each time I called for the last year and I should have been sending my documents to XXXX. The supervisor waited on the phone until I sent the documents to that email and he also reached out to the appeals department to ensure they received the documents and confirmed that they did. The supervisor advised me that it would take up to 14 business days to review the documents and un-restrict my account.

After a month went by, I called Navy Federal customer service again to check why my account was STILL restricted after doing everything and jumping through all the hoops. The Navy Federal rep said that the security appeals department was backed up and to give them another two weeks. I have called every 2 weeks since then and I get the same response- they received the documents and please give them another 2 weeks. It has now been 3 months since I sent my documents to XXXX and it has been a year since I have had access to my account. 

I just want to access and be able to use my account.
Consumer complaint received 2022-10-17
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. (SC)

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX
Consumer complaint received 2020-09-25
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. (VA)

I have been sending dispute letters asking for this egregious bankruptcy to be removed from my report as they have not provide the original court records or documents to provide proof I filed this bankruptcy myself.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have tried to contact this creditor and the credit bureaus on several occasions. I was told that once I paid this account for the settled amount that this would be removed from my credit report by the creditor. I have proof that I have paid this balance. Also, this account is reporting open when it is currently closed. They have this account as duplicate on my credit report which is hindering my scores. Also, the date of last activity is reporting incorrectly. According to 15 U.S.C. Section 1681, these companies have violated my rights by reporting inaccurate information.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

I'm having a problem with my loan servicer Mr Cooper 's mortgage company formerly known as nationstar mortgage. They have been reporting inaccurate information on my credit report which I have contacted them about and disputed, but they refuse to correct the information reported. 
For example they're showing my account as being 30 days late when I have not missed a payment, they're also showing my account as being currently in loan modification status when it's not. I would greatly appreciate your help to mediate the solution with my loan servicer.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have reached out to transunion and my lender XXXX XXXX XXXX to update my credit showing the account current, it still shows my account as past due which it hasn't been for XXXX  months. XXXX days they have updated transunion says different I have mad multiple disputes with transunion and they won't change th account status
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Systems,Inc. (TX)

XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The Unfair or Deceptive Business Practices of XXXX XXXX XXXX, to Extort or Solicate Monies in the Violations of my Civil ( XXXX ) Rights, in the needs for a Made Cause of Public Corruption, the Continuing Escalating Concerns of Personal Harms and Domestic Finance with No Recoveries of Monies or Compensations for a Living Standard.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2023-04-08
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. (GA)

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both Equifax and XXXX and both are reporting different information. You have incorrect account numbers and also incorrect payment history. XXXX is showing a perfect payment history while Equifax is showing late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please delete or removed all late payments. 

Account name : XXXX XXXX XXXX Account number : XXXX Date opened XX/XX/XXXX
Consumer complaint received 2023-08-15
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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 competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

A person named XXXX XXXX called XXXX XXXX, XXXX at XXXX PST and left a voice message that he was representing a company named Legal Claim Services with the County of XXXX  regarding a judgement that is in process filed by XXXX XXXX  XXXX XXXX He mentioned he would be dropping off legal documentation next Thursday, XX/XX/XXXX and that I needed to call XXXX XXXX at XXXX. I called her and she said my wife, XXXX owed {$12000.00} to XXXX XXXX XXXX  Master Card that defaulted in XXXX and that the company had filed a judgement within the 3 year period allowed. When I asked her for specific debt information she told me XXXX and hung up. I called back and she hung up again. I called a third time and she said if I was not interested in making a payment arrangement she had nothing more to say. I again asked for creditor information and she said she didn't have to provide specifics and called me a " liar '' and a " cheat '' and hung up again.
Consumer complaint received 2023-04-10
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. (OH)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. 

This was a LIE and I have the letters from the Credit Bureaus to prove it. 
I have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. 

The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find the credit file I am disputing on their records ; so how are the Credit Bureaus PROPERLY VERIFYING THE MEDICAL DEBT, if they have inadequate information. Which they are closing on my credit reports, THEN REOPENING the debt on my credit reports. 

I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my TransUnion Credit report, and as of XXXX is back on my credit report showing open. 

This Account has been closed twice on my credit report and put back on my credit report twice, claiming it was verified, which is not true at all ** I will include screenshot of this evidence**. 

2. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX 3. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act convergent 1. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my TransUnion Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX 4. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

I also have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find my file ; so how are the Credit Bureaus PROPERLY VERIFYING MEDICAL DEBT
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

Ocwen is the servicer on our Mortgage. We have been in our home for 20 years and they claim we owe XXXX. The loan was transferred to them around 2008 and has never been recorded in the Court. We have constantly asked for proof of how much we owe, it has never been provided. Now they are trying to foreclose on our home.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

A company called XXXX XXXX reported a delinquent account to my credit report. I have never done business with them. Per my XXXX search it shows its some type of tradeline and I believe my information was fraudulently used. So I disputed it with Experian, XXXX and XXXX. XXXX stated the company verified the account belongs to me. I have never applied for service or received any type of goods or services from this company. I have never provided them any of my person information. I have had a fraud alert on my credit for a while and this company never reached out to me to verify any information.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Inaccurate payment history was reported by XXXX XXXX. It all began when I requested a credit report and I discover that XXXX XXXX  reported 30 days late on my credit report, I immediately called XXXX XXXX  to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, discover the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, XXXX, XXXX, and Equifax several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to discover bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my XXXX credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX
Consumer complaint received 2023-08-15
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)

A fraudulent Group of 3 Hard Inquiries was sent to me via a fraud alert from my XXXX XXXX XXXX. I had received notificatio from Equifax before that both XXXX XXXX had inquiries were being deleted .... they are still there. The are the fraudulent hard inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not initiated by me and are not my accounts and must be deleted immediately.
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: M&T BANK CORPORATION (CT)

Hello, My name is XXXX XXXX XXXX. I worked my whole life, plus took care of a sick mother and husband. I retired with over XXXX XXXX of dollars. I will admit I didn't know what to do with all this money. I never had any real money. Now I went to people 's United Bank which is M & T Bank now. I was dealing with a XXXX XXXX out of XXXX. 
I first went to people 's Bank on XXXX XXXX in XXXX, Ct. Like a fool I believed this lady who was later let go and told me I had so much money in a saving. Not true it went into a an account annuity? Which I fought and finally XXXX got my money back. Now this is the problem. I received a statement in XXXX showing I had a value of XXXX, I would like to send you a copy. I called the bank and they said I had no money. I said o.k. then send me back that statement showing XXXX in my account. They had my account no. Instead I got a letter from XXXX XXXX saying I had no money and he couldn't reverse that statement. I feel it's my money and they invested it?? Who can help Me? I'm at ( XXXX ) XXXX or XXXX XXXX. This bank gave me trouble from the very beginning so I don't trust anything they say.