davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (NY)

I have attempted to receive a response by writing but i did not. Inaccurate late payments are hurting my score and according to 15 U.S. Code 1666b - Timing of payments ; they must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2022 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2019-07-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

We recently completed a loan modification on XX/XX/XXXX which included calculations of escrow payments and detailed evaluation was completed prior to the loan modification being completed on XX/XX/XXXX. We initially turned our loan modification paperwork into Rushmore in XX/XX/XXXX and tax bills and insurance information was gathered by Rushmore and confirmed by both the XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX who sent a bill to Rushmore Loan Management Services and information was readily available to underwriting during this 7 month period, prior to our final loan modification being approved on XX/XX/XXXX. Prior to the final loan modification being completed, we made 3 trial payments of $ XXXX and received a revised loan modification packet on XX/XX/XXXX which included our initial payment due on XX/XX/XXXX for {$4800.00}. We signed and notarized the finalized modification paperwork on XX/XX/XXXX and returned per requested by Rushmore LMS via the XXXX package provided. We were told this would be our new payment going forward. However, on today XX/XX/XXXX, we received a letter in the mail from Rushmore LMS stating our payment is now {$4900.00} which is a total Bait & Switch from the loan modification contract signed on XX/XX/XXXX. Also, as mentioned earlier and within the loan modification paperwork attached the principal, interest, escrows ( taxes and insurance ) were all part of the newly calculated payment of {$4800.00}. Therefore, our payment should not be going up this quickly after signing a loan modification with first payment due in XX/XX/XXXX for {$4800.00}. This is illegal bait and switch discriminatory and greed tactics exhibited by XXXX and XXXX XXXX XXXX XXXX. They are taking advantage of U.S. Veterans and XXXX Minorities. We just signed the paperwork and they are also causing haphazard misrepresentation and false advertisement regarding loan modifications.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (IN)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XX/XX/2020 I called the company to make a payment ... in efforts to avoid repossession of car. 
But they want to charge me a fee to process over the phone. 
I cant afford a regular bank account with a routing number, and they dont give me the option to pay with debit card online unless its over the phone but the obligate me to pay {$6.00} fee I cant afford due to financial crisis and loss of job, due to my XXXX,
Consumer complaint received 2020-02-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (TX)

I leased a car from Hyundai Motor Fin. at the end of the lease I turned the car in. They charged me XXXX excess mileage. However they closed the lease and stated that they will send me a payment plan for the mileage. I never received the plan and now they are reporting the car late each month when they have the car
Consumer complaint received 2020-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

I been receiving my Dr 'S. bill and been mailing {$50.00} a month as of today I have a balance of {$150.00}. Without notice they send me to collections!!!. I contact them and they said its because i have a balance. In the old days as long as you making a payment in good faith that was enough ... .WHAT HAPPEN, DRS OFFICE ARE GETTING.GREEDY! THEY ARE ALSO SENDING THIS TO RUIN MY CREDIT SCORE! 
thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (CA)

SUNRISE CREDIT SERVICES, INCXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX : ( XXXX ) XXXX Placed an account on my credit report without contacting me. They claim that I owe XXXX XXXX XXXX XXXX from 2011. I asked them to provide proof of ownership of original debt or delete from credit report, this account is past XXXX XXXX XXXX. I have never been contacted by this collection agency.
Consumer complaint received 2021-04-17
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. (TX)

I entered into consumer credit transactions on various dates with the below listed accounts. I used my credit card ( Social Security Card ) defined under USC 15 1602 ( i ). XXXX, Transunion, and XXXX then furnished a report including these consumer credit transactions that stemmed from my credit card ( Social Security Card ) which should be excluded from the consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). XXXX, Transunion, and XXXX  all are in violation for furnishing a report including the below listed account that were intimated with my credit card ( Social Security Card ).

XXXX, Transunion, and XXXX  are also in violation of 15 USC 1602g, for reporting late payments on my consumer report when a finance charge was included in the consumer credit transaction they are reporting late payments on which should be the sum of all charges and a " late payment '' is not defined in the Fair Credit Reporting Act due to this fact. 

XXXX, Transunion, and XXXX were not given written permission to furnish a report on behalf at any point and if they were they have been unable to produce proof of this matter. These reporting agencies are only allowed to report what I Gove written permission to them to report and I have not given this permission! The consumer reports they have furnished on my behalf are unfair and they have caused damage to my reputation and ability to receive necessary credit to thrive and move the financial system forward! 

Account in violation : 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
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC. (CA)

I have filed two disputes to update the following information one on XX/XX/XXXX and one on XX/XX/XXXX - nothing has been done. Please see below as this is the information that was sent to the bureaus. <P/>The following account needs to be UPDATED AND CORRECTED : Creditor Name : ARVCNTRLMTG Account Number : XXXX The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected. Two bureaus are reporting an Open status, while while the other is reporting as derogatory, this is inaccurate this mortgage is OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}. One bureau is reporting no term which should reflect 360 months. The payment status is incorrect on XXXX and should show a payment status of current. The dates being reported as last active are all inconsistent.
This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
Consumer complaint received 2020-02-21
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: Experian Information Solutions Inc. (TX)

XXXX Back in XX/XX/2009 XXXX 's already had to pay a {$4.00} XXXX settlement after it was involved in a Texas state lawsuit where it was accused of deceptive trade practices. In XX/XX/2009, Attorney General XXXX XXXX filed a litigation against the electronics retailer claiming it violated the Texas Deceptive Trade Practices Act.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Back in XX/XX/2009 XXXX 's already had to pay a {$4.00} XXXX settlement after it was involved in a Texas state lawsuit where it was accused of deceptive trade practices. In XX/XX/2009, Attorney General XXXX XXXX filed a litigation against the electronics retailer claiming it violated the Texas Deceptive Trade Practices Act.
Consumer complaint received 2020-02-21
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. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts that are reporting on my credit file. Those derogatory accounts do not belong to me and I have no information about those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I sent a letter certified return receipt to Transunion to remove inaccurate/ incorrect information in my credit file. My only employer is XXXX XXXX XXXX. I asked that they update it and remove incorrect employers. I have one 1 job. Transunion removed the wrong items after several phones on XX/XX/XXXX and now I've noticed that they have put 2 incorrect employers back in my credit file.
Consumer complaint received 2020-02-21
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. (AR)

I decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX  XXXX {$1300.00} XXXX   XXXX {$4400.00} DEPTEDXXXX XXXX {$1400.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX/XXXX XXXX {$960.00} XXXX/XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX/XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX   XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$2200.00} XXXX   XXXX {$740.00} XXXX/XXXX XXXX  XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX XXXX {$500.00}
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I pulled my credit report and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow XXXX XXXX delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The accounts are noted below : XXXX XXXX- XXXX XXXX XXXX - XXXX If these accounts were requested to be removed by the creditor from the other credit bureaus they should have been deleted from Experian as well I spoke with the company and they confirmed that they sent the deletion request to Experian but nothing was done!! these accounts need to be removed ASAP!! The next account is the company XXXX XXXX   XXXX is reporting on my credit i have advised multiple times that the account was open fraudulently using my information but yet they keep saying it has been verified OF COURSE THE NAME AND DOB & SSN IS GOING TO MATCH IF THE ACCOUNT WAS OPENED FRAUDULENTLY USING MY INFORMATION!!! I even attached an email from them saying that the account is not mine and they will be removing it. but yet it is still on my credit report. Experian is not doing their due diligence to look into the account & remove it. I have done everything i needed to do to report this account as fraud the moment it popped up on my credit report. The next account is XXXX XXXX/XXXX XXXX XXXX this company did not validate the debt and confirmed to delete the account but has not been done. Also XXXX/ XXXX XXXX XXXX is not reporting correct information and needs to be deleted to reflect my true credit report! The next account is XXXX XXXX XXXX the account does not belong to me. I have disputed with the company directly and they confirmed to delete the account and it has not been done with experian. The other account XXXX XXXX XXXX was open fraudulently and i did not authorize the account to be opened. Lastly the names that are reporting on my credit report are inaccurate XXXX XXXX name id # XXXX XXXX XXXX name id # XXXX. These accounts needs to be deleted as experian is not showing my true credit report with reporting inaccurate information.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX last week, I received an email through my university email for a XXXX XXXX XXXX opportunity. It was really early so I just assumed it was legitimate. I didnt know that you could receipt emails outside of the school as for my entire schooling, outside emails have been blocked. It had not yet been flagged. I have correspondence with this scammer person where I was sent a total of {$5900.00} in checks to be sent to orphanages, {$1000.00} of which was to be sent to XXXX XXXX on Zelle, who was already a Zelle member so the transaction went through quickly. I realized that this was a scam that day and filed a claim with my bank at XXXX XXXX and they have since closed the case and decided it against my favor.
Consumer complaint received 2020-02-21
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. (FL)

I just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
thank you
Consumer complaint received 2020-02-21
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)

I just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
thank you
Consumer complaint received 2020-02-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

Made {$2100.00} payment with all extra to be applied to principal. Normal payment is approximately {$720.00}. This is the 6th time along with another loan in the past year that BMO has not applied the extra  principal or in this case the extra principal payment has disappeared completely from the payment. This last happen around XX/XX/18 where I filed a complaint with the Consumer Finacial Protection Bureau.  Complaint # XXXX-XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with corporate office on rectifying this problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. In either case there should be an external audit of their mortgage department. I am forward this complaint to the Arizona Attorney General and the Arizona and Illinois Division of Financial Institutions.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

To Whom it May Concern : This is the 10th time I am disputing and pleading for correction on my mortgage account. Shellpoint is not taking the initiative to complete my review for my escrow account. referencing XXXX Escrow account. Shellpoint Mortgage servicing fail to complete an escrow analysis within 60 days of the loan transfer. Shellpoint mortgage fore placed insurance onto my property wrongfully and so as XXXX XXXX XXXX  which is the original lender of this mortgage. I have called and spoke with numerous customer service representative who assured me that all has been taken care of. based on the last escrow analysis, the analysis came back {$38.00} short. I went onto their website to make this payment only to find out the system would not accept my payment due to fees owed of {$220.00}. I have never heard of this fee and have no idea what this fee is even for. I have not had ANY late payments with shell point mortgage. why am i being treated like this? is it because my home has equity position? why are there multiple moving parts to my mortgage loan when I don't own and isn't behind on any payments? please remove the fees of {$220.00} and update my mortgage account according.
Consumer complaint received 2020-02-21
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. (CA)

On my Credit Report ( see attached ) : Former Address ( es ) 1 ) XXXX - It shows that I lived in Louisiana, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, which is not correct. All my life here in the United States, I've only lived here in XXXX XXXX County California area. 

The Following AKA ( s ) were reported 2 ) Experian - I have an AKA on my report as : which is totally not me. 
XXXX, XXXX XXXX, XXXX
Consumer complaint received 2020-02-21
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. (FL)

I just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
thank you
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (PA)

Between XX/XX/2019 to XX/XX/2019 Navy Federal has charged my account over 10 overdraft fees. I followed their procedure and submitted unauthorized debit forms in order to have the transactions investigated and they have not investigated any transactions. As per their policy they refund the funds until their investigation is complete and Navy Federal has simply been uninterested since the beginning in resolving any of my concerns which is why I am making a point to make my concerns known and will continue to do so.
Consumer complaint received 2020-02-21
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: Resurgent Capital Services L.P. (CA)

I have called all the credit bureaus to dispute fraudulent accounts. Most have been removed, however, there are 3 lingering that keep SERIOUSLY affecting my credit score. 

None of the creditors will speak to me as I can not provide the security details. When I ask for a supervisor, I get hung up on instead of assisted. 

XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX- Last reported XX/XX/XXXX, {$1400.00} LVNV FUNDING LLC- Last reported XX/XX/XXXX {$1400.00}
Consumer complaint received 2020-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have called all the credit bureaus to dispute fraudulent accounts. Most have been removed, however, there are 3 lingering that keep SERIOUSLY affecting my credit score. 

None of the creditors will speak to me as I can not provide the security details. When I ask for a supervisor, I get hung up on instead of assisted. 

XXXX XXXX Last reported XX/XX/XXXX BANK OF AMERICA- Last reported XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX- Last reported XX/XX/XXXX {$1400.00}