davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

Rushmore Loan Management Services bought my $ XXXX home equity loan for home remodeling. In the middle of remodeling, we detected water damage to the floors, and XXXX XXXX issued a {$25000.00} check to replace the floors. Instead of paying for bun engineered floors, Rushmore deposited the check to their escrow. Thus I had to pay my contractor for urgent demolition ( to prevent further damage ) and materials. After a fight, Rushmore paid {$16000.00} to my contractor ( now the contractor completed the floors and is paid in full ). XXXX was satisfied with floor repair and released the additional {$2400.00} depreciation check. However, Rushmore fails to release the remaining {$8700.00} to me ( I had to use my money designated to remodel the bathroom ). Thus I can not  rent or live in my condominium as the bathroom is not finished.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

i have called equfiax company time and time again and my credit report and score will not show up no where and i called they keep saying there is nothing wrong with it i asked them to put in a tech support ticket and they will not listen and do it. XXXX can not pull up my report either they keep telling me to call equifax and nothing is being done about this
Consumer complaint received 2022-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

since i changed my number, i keep getting calls from portfolio recovery despite the fact that i am underage and not in debt. i keep blocking every number they call me from but they keep calling me over and over again. they wont stop and i am tired for getting over 30 notifications of them trying to call me.
Consumer complaint received 2021-09-25
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. (NY)

I would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX US SM BUS ADMIN XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX XXXXK -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the XXXX late payments THAT SHOULDNT BE ON MY CREDIT FILE.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/21 I received by U.S. Mail a Safe Deposit Box Past Due Notice for {$100.00}. 
This safe deposit box rental fee was paid by cash in full in the amount of {$92.00}. I have a receipt given to me by the Bank branch. This box rental fee was paid on XX/XX/21. 

This safe deposit box is # XXXX. My social security # is XXXX. This box was located in the Bank of America, XXXX. branch at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. 
Inside the box are important legal documents from litigation. 

I want the Bank of America, XXXX. to acknowledge to me that my rent has been paid in full. 


Respectfully, XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Hi, So I placed my freeze on equifax and XXXX and yesterday the loan officer for my mortgage asked me to unfreeze it which I already did after login on to the portal. 
He tried pulling my score but has been unsuccessful ever since. 
There is nothing wrong with my data because the loan officer is able to pull my score from experian so it tells me that the input data is correct. 
I called up equifax and i online chatted with XXXX and they confirmed that the freeze is lifted. 
I do not have any other ideas as they keep telling me that there is no issue to pull the score but my loan officer has sent me image evidence that the scores do not show. 

I am not able to proceed with my mortgage application which is very critical for me right now. Could you please help?
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

On XX/XX/2019 my best buy citi credit card was charged {$4.00} for a debt protection service that I did not request or sign for. I attempted to call them on XX/XX/XXXX to cancel and to get a refund. No one was available to take my call. Upon further review I discovered I was paying this fee every time I would use the card, which again I did not consent to.
Consumer complaint received 2024-03-29
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: LEXISNEXIS (MI)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX ( XXXX ) ( XXXX ) XXXX ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under XXXX XXXX XXXX. 

According to : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

According to : XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2022-10-08
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX Balance {$300.00}
Consumer complaint received 2022-01-29
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. (WA)

Transunion continues to report an account XXXX & XXXX they claim was deleted. I spoke to an agent on XX/XX/2022 and he told me that this account was removed from my consumer report. I pulled my Transunion consumer report on XX/XX/2022 and this account is still being reported. I also contact Transunion in regards to other accounts reporting on my consumer report. I asked the agent from Transunion if they will continue to violate my consumer rights and had replied " Yea, OK several times. I sent Transunion a letter which they received on XX/XX/2022 of instruction on how I want my consumer report to be furnished. This is in accordance with 15 USC 1681b ( 2 ) permissible purpose. This Federal law is also on their website. Transunion has refused to comply with the FCRA and has been negligent in its reporting. I also reached out to corporate to resolve this and have not received any response. Transunion is liable to me the consumer under 15 USC 1681n, Civil liability for willful noncompliance.
Consumer complaint received 2022-01-29
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. (WY)

I was consignor on a vehicle lease.XX/XX/XXXXfinancial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted XXXX financial several times to get specifics, ie date received and amount to compare to the XXXX on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that. XX/XX/XXXX financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than XXXX.
Consumer complaint received 2022-10-07
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. (GA)

Transunion CFPB Complaint Transunion has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Transunion any written instructions to do so. Transunion has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act the below creditors/ collection violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement 15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions Delete the following accounts. XXXX XXXX are not to be reported and are longer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Requesting {$1000.00} for each violation of reporting after this was demanded to be removed by the XXXX
Consumer complaint received 2019-05-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (AZ)

On XX/XX/19 a payoff amount was issued to TitleMax   by XXXX XXXX XXXX following a total loss on my Suburban after an auto accident in the amount of XXXX. 
On XX/XX/19 TitleMax  said that the check was in their possession but continued to delay crediting the money to my account and issuing any overpayments due me. I was told that the Store manager XXXX has to approve the transaction despite the check being made out to TitleMax. I believe that they are attempting to extract as much interest as they can up to the dollar amount of the check before they credit my account. This is fraudulent behavior and I now demand that the full amount be refunded me.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX XXXX XXXX {$2200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX
Consumer complaint received 2019-07-30
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. (TX)

Despite my repeated attempts to have XXXX validate my debts, I received no evidence of my obligation to pay these so-call debts. These debts do not belong to me. It is the result of ID theft and reports have been filed with the FTC and local law enforcement and copies were provided to XXXX  on numerous occasions. XXXX  is in violation of the FCRA by continue to report unconfirmed, unverified derogatory accounts on my credit file.
Consumer complaint received 2022-01-29
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. (TN)

XX/XX/XXXX Re : XXXX XXXX XXXX ; XX/XX/XXXXXXXX XXXX On XX/XX/XXXX, I sent my notarizes affidavit, on XX/XX/XXXX, I sent my certified letter with return receipt. You have been non compliant and YOU BROKE THE LAW AND IS IN VIOLATION OF THE FOLLOWING SUBSECTIONS 15 U.S.Code 1681 OF THE FCRA, Before I proceed I would like to make it clear to your company, and those in positions of authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, pursuant to 15 U.S.Code 1681 ( a ) ( 1 ).

Pursuant to 15 U.S.Code 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 U.S.Code 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and XXXX, I have been unable to get a job and extend new credit because of you assuming this role. 

Pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer : You have no proof that this transaction even took, place you were also impartial because you allowed information to be reported while only hearing one side of the story. 

You have been reporting inaccurate information under FALSE PRETENSES.
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I received an email at my place of employment from XXXX stating I owed over XXXX dollars for a credit card from 2006. I do not owe anything. This debt was paid through a debt consolidation company over 15 years ago!!
Consumer complaint received 2019-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (CA)

I have received the letter for debt settlement from XXXX XXXX  XXXX showing the balance of {$7300.00}. I have not had a chance to review the credit card invoices and also no explanation of how the total amount shows {$7300.00}. Also, the collection company has offered for 30 days for the amount of {$2200.00} but not sure how that amount came about and must send payment within 40 days fo the notice dated XX/XX/2019. 

I would like to receive all the copies of the credit card debt that shows {$7300.00} since the account is closed. Also, the explanation of how the settlement has been offered. 

If the settlement is offered, I would need to work out payment plans instead of the lump sum.
Consumer complaint received 2022-01-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (IL)

Reference account # XXXX. 

Loan obtained a few years ago. Was in good standing until I lost my job. I am now unemployed and the loan Has insurance protection if loss of employment should occur. The company one main would not work with me and I am not able to make any sort of payments.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I initially was able to get to my report online with Experian. I found an unknown SSN and address in XX/XX/XXXX associated with my account. When I went to dispute the SSN, a number popped up stating I had to call that number. I was then kicked out of the website. When I tried to log back in, I was told my user name or password was incorrect. I changed my password. Then it said my user name was incorrect. I recovered my username, which was the same that I had been using. I attempted sign in again, but am only returned back to the same sign in page either with or without an error. I have NOT been able to reach one person for technical issues with the website. Every contact number or link leads only to more automated messages, none provide support for technical issues. So, someone with another SSN may have access to my acct and I can not get an Experian rep on the phone to get back into my online account. This is the most frustrating issue I have ever experienced. There is no indication that I have been locked out of my account, but may have been due to the number of times I tried to gain access with my correct and updated user name and password.
Consumer complaint received 2022-10-08
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. (WA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you 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 2019-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

My bank account with TD bank was levied for all the money/balance. I was informed that " Midland Funding '' LLC was behing this levy on my account. A sheriff court officer supposedly provided a supeona to my bank. I don't recall ever signing off and acknowledging any debt for the over {$3000.00} I supposedly owe. I would like to know who the origicanal creditor is of this debt. I have read many other complaints online in reference to this Midland Funding. Perhaps I will speak with an attorney about this levy. In the meantime I was told to inform FTC. I assume perhaps you all have received complaints about this company. Please see the following websites where other people have complained. This company needs to be investigated. It seems like they are attempting to collect on very old debts. Please take a look at the following complaints on a few websites that I visited. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XXXX, Portfolio Recovery Associates, LLC - I disputed this account XX/XX/XXXX I asked for validation and requested a cease and desist of all communication. I recieved a letter from Portfolio Recovery ( Highlighted Dates ). Every month sence then I have been recieved a letter from Portfolio Recovery. Some times twice in one month. I have XXXX letter sense XX/XX/XXXX. I wrote another cease communication letter and sent it certified mail XX/XX/XXXX asking the to provide me with the sign contract from the original creditor with my signature on it and to cease and desist communiccation again! Hopefully they will stop by if not I will collect that letter and send another complaint till CFPB punishes them with a harassment with a fine.
Consumer complaint received 2021-09-25
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. (GA)

I filed a complaint about fraud items reported on my credit report around XX/XX/2021. The items included XXXX XXXX for XXXX and XXXX XXXX for XXXX. Both items are appearing on my Transunion and XXXX reporting. Its been over 30 days and the items were not resolved still pending investigation. I also disputed hard inquiries on such as XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX which has yet to removed as well