davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

This is a declaration of notice of trespass upon private property and unalienable rights. These individuals have cause extraordinary inconveniences and emotional distress and financial difficulties. We have been threaten with cruel and unusual punishment by these individuals in their privacy capacity against i the living man. Our property has been wrongly label as a commercial property. These individuals have no standing too even bring such claims. We demand remedy immediately. The county record is self explanatory of our sole ownership and control of said property which is held in a private trust not within the us. We have given these tresspasser of law many chances in good faith to avoid ligation and provide remedy. In good faith we have provided communications over the last 3 years which we have been victims of fraudulent conduct and malicious intent. Thank you in advance for your time and energy we will assume you will obey the law and uphold your obligations and duties Name : XXXX XXXX On behalf of Company : Rushmore Loan Management Services LLC. 
Fax Number : XXXX Date : XX/XX/2019 # of Pages : 8 ( including cover sheet ) FROM : Name : XXXX, XXXX XXXX. 
Contact Address : XXXX XXXX  XXXX XXXX XXXX, MA XXXX XXXX ] Subject : DEFAULT JUDGEMENT URGENT : STOLEN FORGED DOCUMENT Message : Please see the attached documents. A copy of this documentation has been sent via registered mail ( Tracking No. XXXX ) with return receipt requested. A copy was also sent to XXXX XXXXXXXX XXXX  XXXX XXXX by registered mail XXXX XXXX No. XXXX ) with return receipt requested. This communication is being sent via fax as a courtesy to ensure prompt delivery. 

A release of lien and a reconveyance to XXXX, XXXX XXXX as holder in due course is required by law for the property. Please forward this communication to XXXX XXXXXXXX XXXX XXXXXXXX as they are required to provide the form for reconveyance Provide the certificate or the equivalent of the release of fraudulent lien immediately by mail to XXXX XXXX  XXXX XXXX, XXXX MA XXXX XXXX ] within 30 days. Failure to comply will result in criminal charges, complicity to fraud and liability for damages under state, federal, and international law. 



CC : Consumer Financial Protection Bureau CC : ATTN : XXXX XXXX XXXX XXXX XXXX 

Fax Number : XXXX Fax Number : XXXX Ref ID # XXXX File # XXXX THAT the REQUEST FOR DEBT VALIDATION was re sent via certified mail on XX/XX/2019 ( cert mail # XXXX, return receipt # XXXX ), and a NOTICE OF ADVERSE CLAIM was sent XX/XX/2019 ( cert mail # XXXX, return receipt # XXXX ). Finally, a NOTICE OF DEFAULT was sent XX/XX/2019 to Rushmore Loan Servicing LLC ( cert mail # XXXX, return receipt # XXXX ) and to XXXXXXXX XXXX XXXX XXXX  ( cert mail # XXXX, return receipt # XXXX ).
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her jollies off at upsetting peoples day. I was at work and have a family to provide for. This is complete bs, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX  XXXX XXXX XXXX is showing i have a balance and that the account is charge off bad debt. 

This account was paid off in full and was not a charge off. They even sent me the title after paying the account off.
Consumer complaint received 2017-12-26
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: CITIBANK, N.A. (CA)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified that someone used her information without her consent to apply for an account with CBNA. While an account was not established the application resulted in a fraudulent inquiry on her XXXX credit report X/XX/17. An official dispute of this inquiry was sent to CBNA XX/XX/17 however as of today XXXXX/XX/2017 the fraudulent inquiry is still being reported which is a violation of her consumer right under the FCRA.
Consumer complaint received 2017-12-26
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: Experian Information Solutions Inc. (KS)

In XX/XX/XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XX/XX/XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2022 I deposited a {$12000.00} check from my personal bank account at XXXX XXXXXXXX XXXX into my personal bank account at Truist bank. I was given immediate credit for {$5500.00} and Truist Bank put a hold on my account until XX/XX/2022. 
The {$12000.00} check cleared XXXX XXXX  XXXX on XX/XX/2022. 

Truist has still not credited the {$6400.00} balance to my account, Please stop Truist from holding funds when they already have the money. 

Truist banking employees claim they can't override the Computer AI.
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA (AZ)

I am trying to get a mortgage and my Federal Student loans are still showing on Fedloans and Studentaid.gov as owing. However on XX/XX/2022 Fedloans sent me a letter showing that I have qualified for the complete Public Service loan forgiveness. It's been over half a month and nothing is changed. On top of this my credit report is showing I have a over {$500.00} payment due to Fedloans. Which is not true..
Consumer complaint received 2019-05-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I purchased the house in XXXX for {$560000.00} and had no issues paying the mortgage until I was XXXX and my livelihood was taken away from me. 
I filed for a hardship starting in XXXX of XXXX to modify my loan with XXXX XXXX XXXX due to my business being fairly new and income low. 
The current loan and PMi payments are {$4200.00} which also includes taxes. I could have afforded a payment of {$2800.00} to $ XXXX  monthly had they approved by initial request for a modification. Instead they declined for whatever reason. 
We started a second modification process in XXXX, and I submitted a full file with P & L, bank statements, and after a long review in XXXX they declined stating that I didnt make enough money. 
We appealed again in XXXX and they declined. 
In my p & L submissions, I have had the ability to pay the modified loan amount, but the lender declined because I have significant equity in the house My total outstanding loan today is {$570000.00}, which includes 14 months of payments that have not been paid and the house value is {$750000.00}  Declining the modifications is predatory lending because I followed the process and if they had modified the loan in XXXX, I would have been current on all my payments, but they kept delaying it and eventually declining
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On X/X/17, I tried to withdraw {$5000.00} from my checking account from the Chase XXXX XXXX branch. I provided a primary and secondary form of identification as requested. The teller asked me to wait since he needed an override. Since it was taking awhile I asked if it would be easier to take it out of my savings since both had ample funds. The gentleman ( who never identified himself ) indicated that he was trying to see the last time I took a withdrawal so he could compare signatures. Quite frankly I could not remember so I said probably 10 15 years ago. I do n't normally transact business in the branch and therefore could n't remember. He then told me I could n't withdraw the funds as I did n't answer his questions accurately. I did tell him I write maybe 1 or 2 checks per month and could he compare my signature to them. He said it was n't procedure. When I asked for clarification, he told me he could not discuss further and walked away. I tried calling the XXXX number and they suggested I go to another branch as they were unaware of branch procedures. When I asked if the same thing could happen again, the operator suggested I ask the branch manager. When I reentered the branch, I found out I had been talking to the branch manager but now he was in a meeting. I was told I would have to write a check but I said that was not good as I needed funds availability today and not 2 days from now. I can understand if I did not have funds or did not have identification but I did. If they had asked I could have provided more. Now I am inconvenienced as I do not have ready access to my money even though the funds have been on deposit well past availability time frames.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as one in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.
Consumer complaint received 2017-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF THE WEST (CA)

I been trying to settle this account for several months, I send several offers in order to settle this account, but the lender refuses to provide me with a counter offer or mentioned a percentage to settle. Please help with this burden of my back. Really appreciate your help.
Consumer complaint received 2018-02-01
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. (OK)

I have been disputing a missed payment that XXXX XXXX  reportedXX/XX/XXXX. I sent proof of payment to XXXX verifying that the payment was not missed and they notified me that XXXX XXXX assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/XXXX. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with transunion and XXXX with she same incorrect information not removed.
Consumer complaint received 2016-09-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. I WENT TO SEND THEM A LETTER BASED OFF THE INFORMATION THEY FURNISHED ON MY CREDI TREPORT AND THE LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AR)

On XXXX my Paypal card by Netspend was stolen and fraudulent charges were made on my account. I filed a police report and filed a dispute with Paypal. I was giving a claim # XXXX, with a total of {$2400.00}. The dispute was filed on XX/XX/2024, and I was told to write a letter within 10 business days to receive a provisional credit while an investigation be held. I did as I was directed, and it has now been a month and I still haven't received any credit.
Consumer complaint received 2022-08-09
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 my written instructions
Consumer complaint received 2017-10-03
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. (LA)

I have filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XXXX, XXXX & Equifax to have XXXX XXXX removed off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which is inaccurate, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all three credit bureaus.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

I purchased a club membership with BJ 's wholesale club on XXXX XXXX, using a coupon code to get the discounted charge of {$20.00}. I checked my credit card activity online ( Comenity Bread XXXX XXXX ) and saw that I was charged {$55.00}. I contacted BJ 's customer service on XX/XX/2024 and explained that I did not want the membership at that cost. I was told that the membership would be cancelled and the refund would be applied to Comenity Bread XXXX account within 2 I checked the BJ 'S website a few days later and saw that the BJ 's account showed as active. Once again, I contacted BJs customer service and was told that my account was being cancelled and to be patient about the refund. 

On XX/XX/XXXX, after not being credited on my credit card account for this cancelled membership, I contacted Comenity Bread XXXX customer service to start a dispute about this charge. Within a week, I received a letter from Comenity Bread XXXX that my dispute was being researched. 

After many emails and phone calls with BJ 's wholesale club, I filed a XXXX XXXX XXXX complaint against BJ 's, which so far has not resulted in my receiving the {$55.00} membership fee.

On
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (CA)

The original creditor ; The XXXX XXXX XXXX transferred and account to Consumer Adjustment Company. The account was disputed back in 2018 with the original creditor due to identity theft. My Information was stolen during the XXXX  data breach and it was resolved and removed from my credit but now the debt buyer has reported the account on my report. I have not received any proof of debt which includes the original application of such credit card with my signature.
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Since XXXX without much help at all and multiple letters sent to TransUnion, XXXX and XXXX  requesting that false and inaccurate information be removed from my credit bureau reports. I have not received any success. Ive even told them that addresses and names on the credit file are incorrect and they refused to respond and correct it. On XX/XX/XXXX after many letters sent requesting that XXXX XXXX and XXXX XXXX XXXX XXXX be removed from my credit report as this alleged debt is false and inaccurate, it was removed. Only to be put right back on the credit bureau today XX/XX/XXXX. This has been a constant back and forth game with willful violation of the FCRA by these three credit bureau reporting agencies the item is removed, then put back on with out any notice at all to me by Transunion, XXXX and XXXX. It was removed again back on XX/XX/XXXX, this is a violation of the law. Then put back on. It was removed again on XX/XX/XXXX and put back on again. It was removed again on XX/XX/XXXX and put back on again. These are the games violations of the FCRA that TransUnion, XXXX  and XXXX  as they are in engaged in defamation of character and fraud. By the way I have provided all three credit bureau reporting agencies with copies of letters sent certified mail and registered mail to these credit bureaus requesting proof of these alleged debts and not on of them have provided proof, since they cant provided proof of accuracy to me I asked all three credit reporting agencies to provided me with the proof that these collection agencies provided to the, and not one credit bureau reporting agency has provided that XXXX me since XXXX. They should be shut down permanently for their willful violations of the FCRA.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

My CapitalOne credit card was restricted and flagged for identity fraud. I sent in the required paperwork but did not want to send in a bill statement or a bank statement. I had my bank draft a letter with the information Capital One was requesting, but they say they could not accept it. Their policy would only accept a non-doctored bank statement. I could n't even cancel or end my card until this issue was resolved. I was forced to hand over personal information that went beyond verifying my identity. I do n't know how they were going to use it or what it would be used for or how the information would be protected. This is a corrupt policy and should be stopped. I hope that no one else has to hand over such sensitive information any more to CapitolOne.
Consumer complaint received 2019-03-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I asked for the amount of time it would take my loan to be paid off making the minimum payments with no further advances. They have refused to tell me. They say, their system won't calculate it. It is a small loan of {$2000.00}. I pay {$540.00} per month. so it should be easy to calculate. I think this is unfair lending practice. 

They locate me by my telephone number XXXX
Consumer complaint received 2019-03-04
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. (CA)

This is my second complaint and a written request to be use in a court of law as proof of my intents to clear my name about this matter, I had been a victim of identity theft .Transunion had refused to remove this account.They removed the account on XX/XX/XXXX, and placed back on XX/XX/XXXX, this is a violation of the FCRA. Account removed can no be placed back without a written notification 5 day before placing the account back on. In this case more than 30 days has pass without a written notification, also this is an identity theft case an FTC complaint had been filed, they are no following consumer laws Or FCRA.