davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over 60 days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you've caused me. 
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MI)

A CHASE CREDIT CARD ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME IN 2016 I DISPUTED THIS ACCOUNT MANY TIMES AND INFORMED CHASE IT DID NOT BELONG TO ME I ALSO SENT A POLICE REPORT AND IT HAS BEEN DISREGARDED
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MD)

On my credit report that I pulled on XX/XX/XXXX Santander Consumer has reported my account for XX/XX/XXXX as missed. Reporting 3 missed payments which is untrue. I was on a Deferment for XX/XX/XXXX and XX/XX/XXXX. Santander Consumer agreement letter is attached showing Deferment dates as proven that I didn't miss this payment.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (UT)

On XX/XX/XXXX we traded in our XXXX XXXX XXXX Lease through Ally Financial, payoff was sent from my dealership I work at as I traded it in here. I was in touch with my finance XXXX who did the paperwork she sent the payoff and necessary documents. A XXXX later after we as a dealership sold the XXXX having satisfied the lease I got notified of a XXXX day late payment had hit my credit. Finance XXXX contacted Ally corrected the situation Ally apologized and admitted to the error on their part I have a letter stating so. They said they would remove the XXXX late payment on the account and credit report and the account was satisfied. Ally is telling me as its now XXXX yes the lease has been satisfied nothing XXXX is on file or on my credit. On XXXX it is still showing a XXXX late, but not on XXXX and XXXX. It has been XXXX  months and it is still on my credit report, it has effect me being able to get approved for purchases as it dropped my score XXXX points. I need this XXXX day late payment removed ASAP. It was an error on behalf of Ally. We satisfied the account far before the month end of XX/XX/XXXX and Ally has verified so.
Consumer complaint received 2021-12-13
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/2021 : XXXX XXXX : XXXX asked for my phone number : XXXX : cashier located my account W/O my physical card present. I informed cashier of NAME CHANGE, ADDRESS CHANGE. Her XXXX said when the bill generates and forwards to you-make the changes and submit w/ payment. 

XX/XX/2021 : Never received statement via mail as expected. FOUND copy of XXXX XXXX XXXX  ( I DON'T have my card anymore ). Called Customer service : XXXX. Informed : NAME CHANGE, ADDRESS CHANGE. Representative asked if name change was due to Marriage/Divorce? Answered, " XXXX ''. Are you still with XXXX XXXX XXXX? " NO ''. My last name was, and I'm in a different state. 

Same day, XX/XX/XXXX, I paid over {$200.00} ( XXXX {$100.00} ). 

Letter dated XX/XX/XXXX, XXXX XXXX VIA COMENITY BANK : We can not send you replacement card. " I NEVER ASKED FOR REPLACEMENT ) And your account is CLOSED '' That's unbelievable. And reported to all XXXX credit bureaus. Score dropped ; XXXX points. 

Since I have other STORE credit cards, without the physical cards, due to lack of use- like XXXX, wrong name, wrong address, wrong phone number, I guess Comenity Bank will handle by closing these accounts as well. 

I'm the one that reached out, called, Comenity Bank updating out dated information on me, and they used the information to discredit me. I guess divorce and change of workplace is cause for irrational RUSH TO JUDGEMENT,
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX  had accounts open such as XXXX XXXX XXXX the amount of {$980.00} which I never moved into the apartments and XXXX XXXX account which had a breach in the company that was in the amount of {$670.00} and I also had 2 credit cards approved through them and I owe credit card debt in the amount of {$620.00} which really supposed to be in the amount of $ XXXX believe I was scammed in between XXXX and XXXX. I closed my account as of XX/XX/XXXX due to the knowledge I obtained and working on my credit through accurate companies annual credit report and my scores were different.
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CO)

I disputed a charge of {$100.00} with XXXX XXXX on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made XXXX XXXX recharge me without the service available. That's fraud. And XXXX XXXX will not refund the amount I'm out. Trying to resolve this with the merchant, XXXX XXXX, they keep saying I will get a refund then backtrack saying my bank gave back the charge. They are accusing XXXX XXXX of stealing my money. But yet while trying to get this resolved with XXXX XXXX, they say I have to take it up with the merchant. Everyone is blaming everyone else and I can't use the service and yet my money is taken by XXXX  XXXX. And XXXX XXXX blames Google play.
Consumer complaint received 2021-12-13
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. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I never ever sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Mortgage was transferred from XXXX or XXXX to " Rushmore '' during covid deferral/forbearance. I've called and spoken to 7 or 8 representatives since over a year plus months trying to make a payment. The website provided was in process of being built and still comes to dead ends. As well, do phone attempts to speak to someone with information and facts. Early on during height of pandemic I was offered to do paperless signing of documents in virtual signing room offering terms less than ideal as interest rate and monthly payment would increase and myself the consumer not provided terms of loan exactly. Just documents to sign and increased costs to resume payments. They would not receive my payments online or by phone.

After 5th or 6th call I finally got through to a representative that seemed to be able to offer facts, a list of documents for me to prepare and FAX such as paystubs, bank statements and tax documents. Finally reaching someone from new company that was able to share plan and means for me to send or resume payment to satisfy mortgage returning a sense of stability as I never had trust or confidence in experience prior to that call. 
I called today now having an extension for this person that seemed helpful with plan to update with document status and plans to FAX all listed this week, as well, contact insurance company to notify of new mortgage company Rushmore with phone number contact for direct communication. There was no option for extension and I again spoke to different representative that again like others was not receptive to listen to my reason for calling nor provide phone number to get in touch with person who gave me extension. Rather, was demanding and intrusive. Also vague, not providing anything but that the person 's name I mentioned did not work at company ; Began further demanding of personal identifiers then onto attempt to fearing me with time limits unrelated to my reason for calling. After I shared personal data I find uneccesary to provide as it did not apply to my reason for calling to update person at specific extension. She denied this person was with company and provided no other contact number.

The representatives and web links haven't gotten far and it's over a year now.

Tonight I found article about RPM whom may also be the investor for Rushmore mortgage loan. Same tactics seem to be in place as far as pressuring consumers to pay higher rates and sign on less favorable terms. 

I have yet to have about any trust and confidence and am led to believe my options are minimal and grim at this point. I never signed contract or deal with this new company. I understood I could resume payments and exit deferral/forbearance. 

It's my duty to report this in case it is unlawful and I'm sure I'm not the only consumer in this. One of the reps a few times back shared about others he spoke with in phone with similar and worse scenarios. 

Thank you
Consumer complaint received 2021-12-13
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: AMERICAN EXPRESS COMPANY (FL)

I disputed a {$110.00} charge for XXXX XXXX because I canceled the account over a year ago. Amex initially processed a dispute and did research. The company I had XXXX with, called XXXX XXXX said they sent a renewal notice to XXXX, but the XXXX  account is under XXXX and I no longer have that account because it was canceled over a year ago. I believe the amount I'm being charged is unfair because I canceled this account and should not be charged. 

Additionally, the Amex account was paid and closed and now, this potentially opens me up to more charges with interest.
Consumer complaint received 2022-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation (TN)

I was behind on my payments, then they called and we arranged to make XXXX payments which would catch my account back up. Both payments were deducted from my bank account but were not applied to my loan as agreed and it still shows i am behind. I have called and spoke with customer service, who confirmed the payments were not applied correctly and they would forward for correction, but it has been a week and has not been corrected. This contines to reflect as overdue on my credit report, although I have paid as agreed, and I am tired of having to continue calling to try to get anything done since nobody can seem to help me. Please help me get my payments applied as agreed so my account is caught up. I have done my part. Thank you, XXXX
Consumer complaint received 2021-04-17
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

Discover had approved me for a credit card in early XXXX of 2020 and then it took about one month before they even cleared me to use the card. I went through all kinds of process, tax return, identification verification, and etc. All to which started to use the card aroundXX/XX/2020 and then within 1 week the card is closed by the grantor for what reason I still dont know. To top it off the are harassing me for the {$1300.00} back on the card and didnt even use but about {$380.00} dollars worth of credit. Please help me out with getting this off my credit because it is causing me Extreme Financial Hardships.. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX ( cellphone ) XXXX ( email )
Consumer complaint received 2021-04-17
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: ECMC GROUP, INC. (GA)

I noticed these fraudulent accounts on my credit report and I've disputed them several times with ECMC and XXXX  and they are still stating these are mine. The information being reported is fraudulent and inaccurate including dates, amounts and activity status. I lost my identity documents on or about XX/XX/XXXX including my drivers license and social security card. This is an unknown account. Someone tried to attend school in my name. It looks like XXXX have been PAID IN FULL on my report but they are still reporting as charge offs. I've been a victim of identity theft and even had my taxes garnished for over {$9000.00} because of this I now keep several precautions in place to keep this from ever happening again but I need this deleted. This is messing up my credit and I am a single mother of XXXX who has struggled through the covid-19 pandemic to try to become and homeowner and this is holding me back. I have good credit, please delete these 5 fraudulent XXXX  balance accounts immediately. Thank you. 

Account Opened Amount ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00}
Consumer complaint received 2021-12-13
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. (NJ)

On XX/XX/2021 CitiBank, NA closed my credit card account that had a limit of XXXX Citibank said they closed my card because I was deemed a " high risk '' due to the fact I had open new credit card accounts. This is a complete violation of USC 1681 & USC 1681Q. 

Citi Bank took illegal adverse action against me for open new accounts while I was in positive status with them. 

Citibank accessed my credit file without my permission to discriminate against me while I was paying them on time every month which is violation. 

I've made all payments on time. There is no legal legitimate reason why Citibank closed my account. And now I am making payments on a closed account! 

Damaged to my credit has occurred as this was my longest aged account for over 3 years & my highest Limit of {$11000.00}
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

I have disputed this account through Experian several times and also filed a police report, along with submitted a documented packet to XXXX XXXX explaining this debt is not my debt and I do not owe this company they continue to put false items on my credit report causing me pain and suffering while in the process to purchase a home for my 2 children and I. I am a single parent and the suffering they are causing me while trying to raise my children is horrible. I shouldn't have to continue to fill out paper work that I continue to explain to 10 different people. I have spoke to Experian, I have spoke to XXXX XXXX, the police filed a fraud complaint on the matter and now I have to continue to dispute through them. When they sent the verification paperwork I explained and wrote back to this company and another comapny that this debt is not MINE I DO NOT HAVE XXXX! MY SOCIAL, and credit file has to be locked due to people using it for fraud. I SHOULD NOT HAVE TO KEEP DISPUTING THIS SAME INFOMRATION NUMEROUS AMOUNTS OF TIMES! it is frustrating and I am thinking about getting an attorney to sue all 3 companies due to the pain I am being caused and time i am wasting.
Consumer complaint received 2019-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

In XX/XX/XXXX we contacted our Mortgage Servicer, Mr. Cooper regarding our inability to make that month 's payment due to a personal hardship. I asked for a deferment and was told that because our mortgage was current they could not defer the payment. In XX/XX/XXXX I again contacted Mr. Cooper and requested assistance. At that time the customer service person told me that Mr. Cooper did NOT offer deferred payments but that she could send me a loan modification package to which I agreed. Following receipt of the package I gathered all requested information and either mailed or emailed it as instructed. I repeated received additional requests for more information and complied. Many times the information they would request would be something I had sent in several times previously. During this process I mailed payments to Mr. Cooper on two different occasions in an attempt to reduce our outstanding balance while waiting for a decision of the modification. I also continued to receive phone calls from representatives of Mr. Cooper attempting to collect our past due payments despite being in the process of trying to qualify for a modification. The callers seemed to have no knowledge that we were working with the modification department. In XX/XX/XXXX we received a letter from an attorney which appeared to be a demand letter for the full amount of our mortgage. Following receipt of this letter I contacted Mr. Cooper and was told that our house was being foreclosed on because they had not received the most recently requested documents. I asked if there was anything I could do and was told that if I paid the past due payments with fees of {$9700.00} ( approximate ) I may be able to save my home. I asked for a timeline and was told I would have to contact the local Sheriff 's office for a date of sale. Several days later I contacted Mr. Cooper again to find out why they would proceed with a foreclosure when I was in the process of a modification and was told the documents I has sent were sent to the wrong address. Today, XX/XX/XXXX I received a call from someone at Mr. Cooper telling me I WAS still being considered for a modification. When I asked what the outstanding balance to bring our account up-to-date was I was told a different amount ( higher ). When I questioned why the amount was higher I was told additional " corporate fees '' had been added. I have kept records of all correspondence, emails and phone calls and have documented the entire process. I am XXXX years old and am not sure how to prevent this company from taking my home.
Consumer complaint received 2021-08-26
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. (MD)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator and holder.

Experian is reporting the following items on my consumer credit report without my permission which is, in fact, a violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( a ) ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEMAND FOR REMEDY of {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

Experian furnished a copy of my consumer credit report to the following parties without my permission which is, in fact, in violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( a ) ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

1 ) MUNICIPLES EMPLOYEE C 2 ) PERFORMANT FINANACIAL C DEMAND FOR REMEDY OF {$2000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

I requested information on my consumer file each time an reinvestigation was concluded and have yet to receive requested information which is, in fact, a violation of 15 USC 1681g ( a ) ( 1 ).

DEMAND FOR REMEDY OF {$12000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Experian willful noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681n and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Experian negligent noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681o and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Statements Made under Penalty of Perjury Must be answered By Counter-Affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence