davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (TX)

On XXXX 2019 I became aware that an account was opened under my name based on doing a credit report. On XXXX XXXX 2019 I called the company Nordstrom in regards to this issue and the representative informed me that I needed to write a letter in my handwriting stating that I did not opened the account and how I became aware of it and to also include a copy of my drivers license. On XXXX,2019 I sent the letter. On XXXX XXXX,2019 I finally received a response stating that they " determined that the information provided does not support your claim of fraud '' and that it would 'continue ti report the credit bureaus. I do not understand how they do not consider it fraud. I have lived at this home address for more than 15 years. I know for a fact who ever made the account did not put my current address because I never received a bill or the actual card. Whoever address they have on file is the first step to get in contact who stole my identity. Nordstrom response made me feel like i am the criminal when in fact I am a victim of identity theft!
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

XXXX XXXX sold my load to Rushmore Loan Management Services ( RushmoreLM ). 

RushmoreLM is not suited to handle a 'negative amortization ' loan. Online and statement by mail only give the option to pay the minimum amount plus insurance. 

They see my loan as a standard ARM and at the same time tell me they understand a negative amortization loan. 

Since taking over the loan ( 4 or 5 months ago ) I have to call every month to make my payment. I never speak with the same rep so I have explain my loan so they take the right payment. This takes time as they put me on hold to read the mounting notes of the previous months. They go through the same series of solutions that I go through every month that never fix the issue. 

Since being forcibly moved into this company it has taken me 30 to 45 minutes to make a payment. It used to be 30 seconds online at XXXX XXXX. 

All I am being told is that they are working on it. My relationship due to my frustration is not going very well with this company. 

I understand my loan can be transferred and what I do not understand is how it can transferred to a company not suited to handle this type of loan? 

What recourse does a consumer have in this type of indecent?
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

In the end of XX/XX/XXXX I noticed IC System showed up on my XXXX XXXX Credit Score under XXXX. At that time, I reached out to IC System to inquire about nature of debt. I was informed that the debt is from an XXXX  XXXX line between the years of XX/XX/XXXX and XX/XX/XXXX. I communicated to the representative that I am unaware of services I received from XXXX during that time period. I was told to reach out to XXXX for confirmation. Upon reaching out to XXXX  I was told that they no longer have any information on accounts and to contact IC System. 

On XX/XX/XXXX, IC System offered to reduce amount by 50 % to {$110.00}. I reiterated that I still have no knowledge of the account but I wanted to resolve this credit issue and was becoming increasing frustrated and exhausted from length of call without resolution. Out of pure exhaustion and frustration I attempted to pay the amount to get all of this behind me, even though I was still unaware of origin of debt and debt collector reported not having the information. 

This led to several more hours of attempting payments online and being directed to bank payment sites at the instruction of representative. Outcome of this multiple hour call was a confirmation number from site suggested to go to for payment. I was told I would receive an email to confirm. 

Weeks later, I still had not received email or confirmation and called back. Representative informed me no payment had been made even though they had a confirmation number they referenced in account. I was informed that I paid XXXX   directly and I shouldn't have. I informed IC System I only followed their laborious and confusing instruction. 

After call ended I checked bank statements to see if payment had been made or not. Charge did not leave my banking account. 

I feel duped and not even sure this is a legitimate debt collection agency and I am unwilling to pay or settle for a debt I am not aware of and collector can not provide information on. 

Feeling extremely frustrated and hoping submitting this complaint will provide some resolution and/or shine a light on a fraudulent or incompetent debt collection agency.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Today XX/XX/XXXX I received a TransUnion letter that showed its continuous persistence to violate my rights asserted under the FCRA and other applicable laws ( attached file of my personal information within TransUnion shows unauthorized and never existed before account with XXXX XXXX under description # XXXX. I disputed this account and Transunion just wanted to retaliate too against me in this directed blacklisting and retaliation from Some corporates of scam and fraud their end is soon and they will dissolve ). 


- - - I repeatedly proved with evidence that the only XXXX XXXX credit account that I had had the following description as shown in my attached Transunion Credit report of XX/XX/XXXX ( I also attached the exact page 27/35 of the credit report where information of the account located ) : # XXXX which Ive kept paying for its balance until this month I paid off ( see attached copies of payment checks ) and it was already closed by XXXX XXXX on XX/XX/XXXX according to XXXX XXXX itself and it is a different long detailed story of retaliation. I also attached my last check payments via Bill-pay service from my bank. The payments were all for account # XXXX. 

- ______________ Conclusion : Account # XXXX is missing from my credit report. 
Unauthorized account # XXXX is forced against my will on my Transunion file and by Transunion that knows now and before the above facts with undeniable proofs. 


Demand : 1-delete immediately the unauthorized account XXXX and its information because it is not correct it is inaccurate. 
_________________ 2-fix and put back the correct account information for my account # XXXX - - It is that very simple and easy fix if I do not see my Transunion credit report fixed and corrected by Transunion from the errors and/or inaccurate information referenced and detailed above and as soon as possible. Then Transunion decided to dishonor the law and has no respect to the role of the CFPB in this process now. 

__________ All stated herein is to my current states belief, knowledge and understanding and it is all subject to any correction or any thing and only by my person or my representative and at any time and Without waiving my rights. 


Thank you, XXXX XXXX
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have an Experian Credit membership # XXXXDuring 2019 I have substantially paid down my debt to the point my FICO went from XXXX to XXXX on my XX/XX/2019. Suddenly, even though my credit situation improved on XX/XX/2019 my FICO dropped 14 points, experian sent me 2 email alerting me my score drpped from XXXX to XXXX. I called for two ( 2 ) days the customer service required my SSN and as soon as I entered my SSN the call would drop. I called Corporate they hung up on me or sent me to customer service who would hang up. I explained I want to dispute a drop in my FICO but I have to know why it dropped the credit report still says excellent. Experian Credit reporting said 'we do not know why your FICO dropped it ' there is nothing we can do. This membership and this business 'RUINS ' a persons credit without any explanation. I want them to explain why they dropped the FICO ; I want a dispute process when the only dispute is randoming dumping FICO scores of people. This is not accurate to drop a FICO when debt is paid on time and there has been no change in financial situation. I move a lot for my job this makes it difficult to negotiate new apartments. I
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts were terminated since XXXX and XXXX and should have been deleted from reporting on credit bureaus but were not and was inaccurate use of credit bureaus reporting
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (IL)

I recently received my credit card from navy federal containing a credit limit of XXXX. I went to the atm to pull XXXX dollars in cash and was denied and tried again for XXXX dollars to no avail. I contacted navy federal, and they said everything was good on their end and to go try again at another atm and I did just that. I tried pulling cash again and all requests were denied. I tried to make a purchase and there was a fraud alert that I acknowledged it was me who made the transaction. I called navy federal and was directed to the fraud department and was on hold for over an hour just for them to tell me they will not reactivate my card or authorize my purchase because of the current statuses of my other accounts, an overdraft, too much suspicious activity from my doing and claimed that " I was running up my card ''. I just want to replace my broken refrigerator for my family. my bank account status for navy federal is displaying " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. '' Due to this status, NFCU understands that my account status is not a factor in using my credit card that NFCU approved. the entire time I was trying to resolve this issue, the customer service reps were very shady and reluctant to give me situational updates, navy federal is depriving me of my consumer rights, and I want a speedy resolution. I will be filing a federal lawsuit against NFCU along with other consumers experiencing the same unfair treatment consisting of constant Securities fraud and numerous consumer rights violations.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing because i checked my credit report and i saw account and inquires which i never applied for. I have no contracts or agreements with my signature, I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!
Consumer complaint received 2023-03-18
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: ENCORE CAPITAL GROUP INC. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing because i checked my credit report and i saw account and inquires which i never applied for. I have no contracts or agreements with my signature, I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!
Consumer complaint received 2019-10-04
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: WELLS FARGO & COMPANY (AZ)

XX/XX/2019, Wells Fargo/XXXX XXXX XXXX XXXX refuses to take off the hard inquiry off my credit reports. This is part two of my first complaint. 
The representative said -they can't take it off because of FDIC.I told her she is wrong. 
I asked her what law supports your position? I was told it would be a SOFT inquiry by XXXX 's cashier. It was a hard inquiry the next day on my credit reports. 
These 2 businesses are ONE together. 
As a kind business gesture, I am asking again to Well 's Fargo/XXXX XXXX XXXX XXXX to REMOVE this hard inquiry for it was misrepresented by your employee to me. 
Please confirm with a letter to me you did this.
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

" WELLS FARGO '' REFINANCE ON MY SECOND HOME. AFTER 4 MONTHS OF AGGRAVATION AND NO GOOD REASON TO MOVE ALONG QUICKLY. THEY HAVE CHANGED AND MANIPULATED MY CLOSING COSTS. I WAS CLEAR FROM THE BEGINNING. I WAS NOT GOING TO PAY ANYTHING OUT OF POCKET. I WAS ASSURED THAT I WOULD HAVE TO ONLY PAY A APPRAISAL FEE. I DID PAY THAT FEE. 
THE DISCLOSURES AND THE CLOSING DOC ALL HAVE DIFFERENT CLOSING COSTS, THAT I WAS TOLD TO IGNORE. NOW AT THE TIME OF CLOSING THEY ARE LOOKING FOR MORE THAN {$4000.00}, THE LOAN AMOUNT HAS DECREASED AS WAS THE INTEREST RATE. 
MOREOVER THEY SEND OUT DOCS ON XX/XX/19 AT XXXX ON THE SAME DAY THEY WANT THEM REVIEWED AND BACK OR ELSE! 
SEE ATTACHED DOCS AND EMAIL
Consumer complaint received 2019-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California (CA)

0n XX/XX/2019, I received via mail a demand letter requesting I pay almost {$7000.00} in medical bills for the treatment of my XXXX XXXX XXXX son who was in a traffic accident. I have no idea where this came from as my son 's insurance is under his mother ( my ex wife ).
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

XX/XX/2019, I spoke with Credit Acceptance twice regarding my missing car payments XX/XX/2019 thru XX/XX/2019 on all 3 credit reports. They refuse to fix problem they created and violated Federal laws.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Hi, I was actually talking to a representative from FCO and made payment to pay off this account and they mentioned that as long I pay the collection account, they will remove this from my credit report. Fast forward several years later, it's still on my credit and attached is a paid-off letter receipt from them.
Consumer complaint received 2019-10-04
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-03-18
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. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an account without written my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.
Consumer complaint received 2023-01-27
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-03-18
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. (GA)

In accordance with fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX Acct. Number XXXX. XXXX XXXX XXXX Acct. Number XXXX. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions.15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is inaccurate.
Consumer complaint received 2022-10-12
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-10-12
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-03-18
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. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Audit & Adjustment Co. Inc. (WA)

I went to apply for a mortgage and there was a collection account reporting on my XXXX  credit report. I have never heard of the collection before, I never received any written notification before it reported on my credit, it just reported. This is not legal. 

When I reached out to the collector, they claimed it was for a medical bill that was unpaid, but I have 100 % coverage on my insurance, so it was either already paid or it was a billing error from the original creditor. 

The collector told me if I paid it, they would remove it from my credit, so I paid them. It's been XXXX months and the account is still reporting on my credit and increased my mortgage payment by {$350.00} per month. I've experienced actual damages from this company breaking the law.