davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Rushmore Loan Management Services, LLC XXXX | Fax XXXX ATTENTION : Loss Mitigation The REPORT OF SALE AND AFFIDAVIT OF FAIRNESS OF SALE AND TRUTH OF REPORT, recording ( XXXX # XXXX ) filed by, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, XXXX XXXX, XXXX ( loan # XXXX ), as servicer for XXXX XXXX, XXXX, to ratify this Foreclosure Sale can not ( piggyback ) ride proceed on another on lenders filing. 

Rushmore is required to obey the Maryland Annotated Code, Article Real Property, Section 7-105.1 ( c ) and the FHA Loss Mitigation Options, Handbook 4000.1, Sections III.A.2.j ; III.2.I.i. ( A ) The Sale was not FAIRNESS OF SALE must be rescinded or, this is the ( perfect ) crime to the foreclosure process with no remedies to the borrower to avoid any endeavors of resistance of illegal foreclosure business practices/activities to forbid disavow my foreclosure Rights. 

I respectfully request that Rushmore " reaffirm '' agree to new contract term for a loan modification. 

If the request for a loan modification is not rebutted before ratification ( Circuit Court PGC, Case Number XXXX ) of the foreclosure date, it will be deemed as an act of collusion, conversion, and conspiracy to usurp the judicial process in the State of Maryland and the FHA Loss Mitigation Options guidelines. I will enforce my Rights against any and all Banks, Servicing Cos. and/or persons who violate my Rights willfully or out of ignorance of the Law. 

XXXX XXXX XXXX. : XXXX XXXX Agrees to Pay {$110.00} XXXX to Resolve Consumers Class Action Lawsuit About Unauthorized Accounts, will be employed to file class-action suits accordingly of all Parties, notwithstanding. 

Under Penalty of Perjury, I have examined the statement of facts presented in this letter and to the best of my knowledge, belief is true, correct and complete.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

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 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

My Consumer credit Profile Was Fraudulently used in an attempt to obtain credit also my information was fraudulently used to provide data without my knowledge or consent XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/19 I received an email from CapitalOne stating " Your {$500.00} cash back bonus is ready and waiting-and full of potential. Redeem Now '' It  listed the last four digits of my account. Further down it said, " Redeem for cash. Lower your account balance or get a check. '' So I called to redeem and spoke with both a customer service rep and a supervisor who both told me the email was an error and would not honor it.
Consumer complaint received 2022-03-29
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. (FL)

In accordance with the FCRA the following companies have violated my rights as a consumer. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There was never any written instructions given by me. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My Credit Report with TRANSUNION Was Used Fraudulently the following inquiries Were Made fraudulently in attempt to obtain credit in my name Also these has been fraudulently reported to my consumers profile as I did not authorize the company to report this information Inquiries : XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Construction ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX report the inquiries as fraud XXXX XXXX asked for an investigation of accounts XX/XX/XXXX aked for a reiview and reinvestigation of inquiries XX/XX/XXXX reported inquiries as unauthorized fraud XXXX XXXXreported inquiries as unauthorized fraud XXXX XXXX XX/XX/XXXX reported inquiries as unauthorized fraud These are all unauthorized hard inquiries XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I had a total of XXXX dollars stolen from my account through a fake check scam and I reported it the day the majority of the fund was being transferred ( XX/XX/2021 ) it occurred through XXXX. Wells Fargo provides me copy and paste responses which proves that they did not investigate the incident thoroughly
Consumer complaint received 2022-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I have spoken with aidvantage several times and I always get a new story. Im trying to set up payment plan. They sent me a form that doesnt match anything that was said on the phone. The last servicer was much better. They even admit that a lot of new people have been hired and training tools dont provide a lot of information.
Consumer complaint received 2019-07-17
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. (FL)

I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

XXXX XXXX XXXX
Consumer complaint received 2019-07-25
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. (PA)

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach XXXX XXXX XXXX Amount XXXX Date opend XX/XX/2017 XXXX
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (MS)

Im reaching out to request a deletion of ProCollect ( Account # XXXX ) from my credit file. I have filed numerous disputes with the credit bureaus and Procollect directly. Procollect has continuously failed to provide sufficient documentation that I owe a debt. Procollect can not furnish proof. On XX/XX/2021 I mailed certified letter for verification of debt to the three credit bureaus and Procollect. On XX/XX/2021, I received 3 pages of information from Procollect. One was attempt to collect debt letter, 2nd was final account statement, 3rd was copy of an application for housing. On XX/XX/2021, I certified mail Procollect asking for a written, signed contract with my signature to verify that this debt is mine. On or around XX/XX/2021, Procollect mailed the exact same 3 pages of information. This debt is not mines. According to the FCRA, Procollect has violated my rights. 15 USC 1681, Section 602a states that I have a right to privacy. 15 USC 1681, Section 604 ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Also, Procollect is violating 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692e ( 11 ). 
This company is reporting wrong information and is causing a negative effect to my credit report. Please delete all Procollect accounts from my credit reports.
Consumer complaint received 2021-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This acoount is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-07-25
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. (FL)

My credit report has 4 hard inquiries from XXXX. I do not recognize them at all. I am not sure why they are there and I would like them removed as it is negatively affecting my credit.
Consumer complaint received 2022-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

To whom it may concern, I purchased an investment property XX/XX/XXXX with M & T Bank being the lender. The intent to purchase the property was for rental income purposes. The other was to help a former business partner with housing as well as her credit profile by putting her on the mortgage loan and grant deed for 1 %. Putting M***** M**** on the loan would help improve her credit. M***** M**** increased credit score resulted in higher credit amounts to help pay for the catering business XXXX XXXX we owned together. I was the only person injecting cash into the catering business. 

Out of my pocket and no funds from the tenant, I provided the property down payment, paid for the unit remodels, repairs, maintenance, and property management. I have all documented proof. 

4 years later, the tenant XXXX XXXX with a leasehold and 1 % interest informed the contracted property management, that she will not be able to make her rent due to Covid -19 hardship. 

XXXX of XXXX, I placed the property into forbearance as I could not make the payments without the tenants participation in rent. I also suffered from income loss due to my inability to work as the pandemic hit every part of the real estate industry. The State of California would not allow the collection of rents if the tenant claimed Covid Hardships. 

From XX/XX/XXXX through XX/XX/XXXX, I tried XXXX times to get the property out of forbearance by executing a modification of the loan. The loan modification was not executed due to the tenant with a leasehold and 1 % interest refusing to sign the loan modification documents three different times. M & T bank will not proceed with a Covid 19 loan modification without XXXX XXXX signature. 

After XXXX XXXX claimed to suffer Covid 19 hardship, she refused to sign the loan modification documents. This is due to a lawsuit complaint she filed claiming entitlement to 50 % of the property??? The tenant brought a lawsuit 4 years later regarding ownership interest after signing the grant deed of 1 %, original loan docs, closing docs, a lease, and fully executed authorization letter allowing me to make fiduciary decisions and project manage the property??? 

M & T bank will not proceed with a Covid 19 loan modification without XXXX XXXX signature. 

After pleading my case to M & T Bank, HUD partners, My Attorneys, no one is able to help the situation? I am being punished with a foreclosure, current horrible credit, future income loss, and inability to sale the property, for helping house that tenant, with a leasehold interest and 1 % ownership interest, build a catering business. 

Under the advise of XXXX XXXX Attorneys, that are on a contingency payment agreement, XXXX XXXX is willing to risk a foreclosure on her credit profile to try and have me capitulate to her demand of an unwarranted, unsolicited, unfavorable, ownership interest of 50 % in the property. This is a form of bullying, harassment, and a display of no integrity or honesty.
Consumer complaint received 2021-11-12
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. (TN)

I was reviewing a copy of my Experian credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud
Consumer complaint received 2021-10-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XXXX, XXXX and XXXX I sent letters disputing inaccurate information on my Equifax credit report file. I have not received a response to any of my dispute letters. And it has been well over 30 days.
Consumer complaint received 2018-07-16
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: EQUIFAX, INC. (FL)

I have 4 fraudulent inquiries on my Equifax credit report that were not authorized by me and Equifax will not take them off? I have been fighting with them since XX/XX/XXXX and nothing has been done about it? At the end of XX/XX/XXXX, I had someone try to steal my identity and try to get credit in my name but they were unsuccessful because of a lack of information about me. I called the creditors and they couldn't pull nothing up in my name so they all sent paperwork to Equifax telling them to take it off my credit report because they have no proof of me applying for any credit.They told Equifax that the inquiries were fraudulent and should be taken of my credit report.I called Equifax and they said they didn't receive anything from the creditors ... not even one of them? I have letters from 2 of the creditors that I faxed over to Equifax and they said they can not remove them even though they told me to send them for proof? I have disputed these inquiries 3 times online and have written to the dispute and fraud departments about the issue.I need those 4 inquiries deleted from my report because its hurting my credit score and they were not mine to begin with.The following inquiries need to be removed ... 
1 ) 1XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK (MN)

In XX/XX/XXXX my boyfriend and I purchased my current house. Because of my previous credit history, we were required to do an FHA mortgage product. My boyfriend is a non-occupying borrower. My sister lives at the house with me and pays part of the mortgage payment. 
Early XX/XX/XXXX, my sister and I began conversations with XXXX XXXX at the TCF XXXX office. We wanted to get out of the FHA Mortgage and remove my boyfriend from the note ( keep him on title ) and have my sister on Note and title. On XXXX XXXX, XXXX requested bank statements, last 2 year tax returns, last 2 years W2 's and last XXXX paystubs from my sister and I. We emailed the required documents XXXX XXXX. 
XX/XX/XXXX - First phone call with XXXX XXXX at the TCF XXXX, MN office. XXXX informed me he would be taking over the refinance process we started with XXXX at the XXXX office. During this phone call he informed me it would be best to eliminate my sister from the process. I gave XXXX a credit card number for the appraisal. 
Shortly after the XXXX XXXX phone call, in the mail I received a Notice to Loan Applicant from TCF disclosing my credit score from the report that was pulled on XXXX XXXX. Per the Notice my scores were Equifax XXXX, Experian XXXX and XXXX XXXX XXXX. 
My complaint : After two months of back and forth communication with XXXX XXXX at TCF XXXX, MN office I was declined a refinance mortgage loan for reason of " Bankruptcy ''. It was unnecessary for me to pay the {$400.00} for an appraisal when my credit report, pulled on XX/XX/XXXX, would have clearly shown the previous bankruptcy ( and foreclosure ). If TCF operates under strict guidelines then I should have been denied a mortgage loan immediately. Why did they pull another credit report on XX/XX/XXXX? Why was I asked for additional documents after the date of the denial letter? I was never asked to provide any documentation of the bankruptcy ( discharged XX/XX/XXXX ). The customer service I received from XXXX XXXX was horrendous. I was ignored on many occasions and some of XXXX 's comments were rude and unprofessional. I went into this in good faith and was lead on for over 2 months sending numerous, unnecessary personal documents. I feel this was unethical practices by TCF and their employee, XXXX XXXX.
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (IL)

On XX/XX/2022 I deposited 30,000 ( thirty thousand ) USD to Gemini Cryptocurrency Exchange and for some reason part of that deposit failed to clear which resulted in negative balance on my account. Gemini, instead of notifying me about the issue, instantly restricted my account on XX/XX/XXXX not letting me make another deposit or sell my cryptocurrency to bring my account back to a good standing. After creating a support ticket the same day the customer agent XXXX from Gemini Support requested to upload a selfie of me holding my ID and a notice with the date of the picture. I did everything as instructed and uploaded the picture to the provided secure link. I got a response on XX/XX/XXXX with apologies for the delay and I have not heard any updates since then. Today is XX/XX/XXXX and all my support tickets are being ignored with my funds, 30,000 USD, frozen on my account with no ability to trade, withdraw and deposit more.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Revolut Technologies Inc. (TN)

I reached out to Revolut customer support requesting a chargeback for the following charges. I provided all information requested in their submission form. Today I was provided a follow up email stating that the request was not legitimate and that they would not initiate the chargeback. 

By federal law ( The Fair Credit and Billing Act ) I am allowed to dispute charges that I find to be fraudulent and have explained to the company that I believe the charges to be fraudulent, but instead of helping me dispute these transactions they are refusing to look into the matter further. 

I even reached out to customer service via chat to get an explanation, but was provided a canned response of their process without any explanation why my request was not " legitimate ''. 

I am still seeking to contest these charges and am submitting a formal complaint to the CFPB. This is an unprofessional and illegal business practice and I'm hopeful that this issue will be remedied. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX transunion and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this XXXX XXXX credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this Business activity on my Consumer credit report
Consumer complaint received 2019-07-25
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 — Their investigation did not fix an error on your report
Company: Bureau of Accounts Control (NY)

on XXXX XXXX, 2019 i send a dispute to the credit bureaus : XXXX, XXXX and XXXX. all of then respond, XXXX delete the account because they couldn't verify or validate also XXXX   but XXXX not. and a have some screenshot of the time they investigate this account which i think is not enough. I've kept trying month after month because I know it's not right. the last dispute was open on XXXX XXXX, 2019 and was closed by then on XX/XX/XXXX, 2019. i feel that they just using they automatic system and are not doing a real investigation. i also contact then company my self and they just send me a bill, not my hippa release or validation. this is the company BUREAU OF ACCOUNTS CONXXXX