davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Management Services purchased my mortgage from XXXX XXXX, which typically should not impact me as a consumer, other than changing where and to whom I should send my money. However, that was not the case. Rushmore failed to acquire all the proper documentations from XXXX which would show that the property is insured, so they added a lender-placed insurance to my account resulting to an increased escrow, which increased my monthly payment from {$600.00} to {$1000.00}. I called Rushmore to advise them that I already have insurance through the homeowners association, provided them with name and phone number and advised Rushmore that I would send the regular payment of {$600.00} for XXXX 2015, which I did. Now Rushmore has labeled my account as delinquent for the difference. I 'm seeking protection as a consumer who should not be impacted by lenders practice of bouncing/selling mortgages to other lenders. Help!!
Consumer complaint received 2022-09-03
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX I was going to order a temporary replacement while my permanent one was being made. I was going to finance it through a company called XXXX XXXX XXXX Then I was informed that a temporary replacement couldn't be made for me because I don't have enough XXXX. So I never utilized XXXX, XXXX yet they charged me anyway. In 2018 they charged me {$350.00} and I refused to pay it because I didn't received the product. They claim that I made payments to them but then stopped so they sent it to collection which never happened because I never made any payments because I don't owe them any money. This is a blatant lie on their part and according to the credit bureau they have had trouble like this with XXXX XXXX XXXX in the past. Why do they get away with this? My credit score has dropped substantially because of this.
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America has been in the process of foreclosing on my home for 7 years and the previous bank foreclosed on the property XX/XX/XXXX. Bank of America has acknowledged the prior lenders foreclosure as of XX/XX/XXXX. Bank of America has removed the mortgage trade line that has showed lates on my credit for 7 years, however the title to the property is still showing in my name with the XXXX County Assessors office.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

XXXX account on my EQUIFAX credit report should have. Been removed it 's been seven years now since I returned the vehicle back to XXXX I returned the vehicle back into XXXX on XXXX 2009 and XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be XXXX months delinquent so my first delinquency would be in XXXX of 2009 and if I was XXXX months behind on a car lease XXXX would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because XXXX is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to EQUIFAX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into XXXX or it would be seven years from my first delinquency
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Offices of Palmer, Reifler & Associates, P.A. (MN)

I had rented XXXX books from XXXX in the XXXX semester of 2015. I returned BOTH book rentals as I do every time I 've rented books through my undergrad. On XXXX XXXX I received XXXX letters from a law office in Florida saying this was an attempt to collect both debts. CLAIM NUMBERS XXXX and XXXX. I have now filed a complaint and debt validation request with them and the XXXX. I will also be filing a complaint with the Attorney General. This is illegal. There are more than XXXX complaints of this where they say they 've never received the return books. They are praying on college students. I want both books removed from my account and the debt to be removed. The order number was XXXX. I have tried to settle this with the company explaining that I have mailed them back and customer service was not helpful. This company has a history of saying they have no received the rentals and sending directly to collections. I have perfect credit and have never had a bill outstanding.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IL)

I have a Wal-Mart credit card that I recently paid off, XXXX XXXX, in the amount of $ XXXX. Today, my wife looked at our account, lo and behold, Wal-Mart had withdrawn an identical payment on XXXX XXXX. It was listed the same way as the previous payment, an online payment. My wife called our bank, and they could stop the still pending payment, but they would charge us. Even though it was an identical amount for an insanely high dollar value. They told her to call the credit card. When my wife called them to talk to them, they went between saying we did it, our bank did it, maybe a 3rd party did it, or someone paid in store or who knows what. They tried telling her that I must have made a {$670.00} payment on a closed, zero balance card. After much arguing, they finally relented and reluctantly told my wife they would issue a refund. This however would take 7-10 days to get a check in the mail because they do n't issue electronic refunds ( despite the fact that they do electronic withdrawals ). So my wife called the bank back up who only decided to stop the payment and not charge us because we were such " good customers '' with " no previous overdraw fees ''. So then my wife had to call the Wal-Mart card back, and cancel the refund. They continued to blame us for it, and only after my wife prodded them, they admitted that had the refund continued through with our bank cancelling the payment, we would have had massive fees and fines for what they would consider " using a cancelled card. '' We finally got the whole thing resolved, but my wife had to spend all day on the phone. Wal-Mart credit card tried stealing $ XXXX from us, and we had to twist arms to get our bank of 10 years to work with us.
Consumer complaint received 2015-11-24
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I LEASED THIS CAR XXXX AT XXXX INFINITI. AT THE DATE OF LEASE AGREEMENT XXXX, THE TOTAL MARKET VALUE OF THE CAR WAS {$30000.00}. AT THE END OF THE LEASE AGREEMENT, THE REMAINING BALANCE/ RESIDUAL PAYOFF WAS {$24000.00} TO PURCHASE THE CAR. I HADNT DECIDED IF I WAS GOING TO PURCHASE THE CAR OR GET A NEW LEASE SO I EXTENDED MY LEASE. THIS EXTENSION WAS VERBAL AND PER INFINITI FINANCIAL SERVICES ( IFS ), I NEEED TO PAY THE MONTHLY NOTE AND IT WOULD BE APPLIED SO ONCE I PAID THE REMAINING BALANCE, THE TITLE/PINK SLIP WOULD BE SENT TO ME. I DID N'T HEAR ANYTHING FURTHER FROM IFS REGARDING THE LEASE. NOW IN XX/XX/XXXX, I CALL TO INQUIRE ABOUT THE STATUS AND THE NEXT STEP AS I HAVE FULFILLED THE PAYOFF BALANCE. I WAS TOLD THAT I STILL HAD A BALANCE. AFTER SPEAKING WITH XXXX XXXX XXXX XXXX FINANCE MANAGER, HE STATED THAT HE 'D HAD N'T SEEN ANYTHING LIKE THIS AND THAT I HAD XXXX EQUITY PAYMENTS MEANING THAT I HAD FULFILLED MY LEASE AGREEMENT. HE THEN REFERRED ME TO XXXX ( IFS CORPORATE ) FINANCE MANAGER. XXXX COULD NOT EXPLAIN HOW MY PAYMENTS WERE BEING CONVERTED TO THE VALUE OF THE CAR, NOR HOW IT 'S LEGAL TO CONTINUE TO CHARGE/COLLECT FOR AN EXPIRED LEASE ( THAT IS PAID OFF ). TODAY, XXXX, IFS IS STATING THAT MY BALANCE IS STILL {$6700.00} ALTHOUGH I 'VE MADE XXXX PAYMENTS TOTALING {$37000.00}. WHICH MEANS I WOULD HAVE PAID {$44000.00} FOR A CAR THAT WAS {$30000.00}. THEY WILL NOT REFUND ME THE OVERAGE I 'VE PAID ACCORDING TO THE LEASE AGREEMENT, NOR WILL THEY CONSIDER TO CAR PAID AND TRANSFER THE TITLE TO ME. YET THEY ARE PENTALIZING ME ( XXXX EXACT WORDS ) FOR MY MISTAKE OF NOT COMPLETING AN AFTER LEASE PURCHASE AGREEMENT. I EXPLAINED TO XXXX THAT HE CAN NOT CONVERT/CAPATILIZE ON AN EXPIRED LEASE AGREEMENT/DEPRECIATION. HE STATED " THAT HE UNDERSTAND WHERE THIS SOUNDS ILLEGAL BUT IT 'S MY FAULT ''. I THINK THIS SHOULD BE INVESTIGATED BY SOMEONE LARGER THAN ME. THIS CORPORATION HAS TAKEN ADVANTAGE OF MY TRUST IN THEM BASED ON THE TERMS OF THE LEASE AGREEMENT AND OTHER VERBAL COMMUNICATION. THE ARE UNWILLING TO END THE BILLING AND CONSIDER THE BALANCE PAID, ALTHOUGH THERE IS PROOF OF MY PAYMENTS. THEY WILL NOT TRANSFER THE TITLE OF THE CAR. AND THE BALANCE CONTINUES TO INCREASE. I HAVE PAID WELL OVER THE BALANCE OF THIS CAR AND THEY ARE USING THEIR SIZE TO BULLY ME. THIS IS UNJUST AND UNFAIR. THEY ARE " PENTALIZING '' / TAKING ADVANTAGE OF ME AS THEY CONTINUE TO COLLECT ON THE PAID, EXPIRED LEASE YET THEY REFUSE TO HONOR THE LEASE AS THE ONLY CONTRACT THAT EXIST.
Consumer complaint received 2020-10-17
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. (CA)

Having issues with the depart of education and all three credit reporting bureaus still showing my school loans not being paid and are in default and not being paid. Been making payments part of my rehabilitation since XX/XX/2019. Then also with the help of the cares act it shouldnt even been reporting at all.
Consumer complaint received 2020-10-17
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. (CA)

Having issues with the depart of education and all three credit reporting bureaus still showing my school loans not being paid and are in default and not being paid. Been making payments part of my rehabilitation since XX/XX/2019. Then also with the help of the cares act it shouldnt even been reporting at all.
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated (TX)

This debt is a credit card debt I believe - I never received any verification of debt. The collection company, Unifund, filed for judgment against my homestead property in XXXX. I was going thru a divorce and the death of my brother from XXXX. I just received a copy of a cause filed for notice of substitution of counsel for Unifund - I have not received any certified mail for this information. 
Texas Law under the Texas Property Code, Title 5 A provides protection for a homesteaded property against debtor claims and is exempt from this type of collection. I am requesting immediate removal and release of the current judgement that was filed in XX/XX/XXXX against the property located at XXXX XXXX XXXX, XXXX, Texas XXXX. The county records clearly indicated the homesteaded designation and the attorney for Unifund accessed those records prior to filing in court. I respectfully request immediate release of the judgement by the firm or the substitute attorney or entity who is assuming the cause. Please immediately prepare and execute the document, file it in the court and clerks office with a certified copy sent to me. I am attaching a copy of the voters registration for the property from XX/XX/XXXX thru current copy of the county records showing the Homestead exemption in place. Additionally I am sending a copy of the complaint to the Texas Attorney General Office for records.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (UT)

Our vehicle was reposed by GM Financial after we traded it into a dealer ship for a new vehicle. Before we could get the vehicle back it was sold at auction. The account was turned into a Charge off on our credit that shows we owe a balance and a payment each month, it was then given to a third party to collect the remaining balance. A judgement was then filed for this vehicle. 
My credit is now being hit twice each month, once for the Charge off with the balance and payment reflecting each month and the judgement showing a balance each month. 
We are paying our payment arrangements with the third party as we can no longer make a payment to GM Financial as they gave our loan to a third party.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

There were XXXX unauthorized withdrawals of {$1000.00} each that were made from different ATMs using my debit card. My bank account from Chase Bank shows that on XX/XX/2022 a withdrawal of {$1000.00} was made from an ATM machine on XXXX in XXXX and another {$1000.00} was withdrawn on the same day apparently from another ATM also on XXXX. When I notified Chase Bank about these unauthorized transactions I was told by them that their credit/debit cards have built in securities in place that would prevent thefts like this from happening and because of this they told me my claim for recovering the money is denied. Since this theft happened it shows that their security can be breached. Im the only person who possesses the PIN number. I have tried calling my bank up to ask them to at least look at the camera footage at the ATMs, assuming they should have cameras at every ATM locations, to find out who is making these illegal withdrawals and each time I was unable to get a hold of anyone at the Chase Bank XXXX XXXX ( NJ ) I am hoping you can help me resolve this matter.
Consumer complaint received 2021-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was informed by a family member that there was a lawsuit filed against me by capital one trying to collect money from me on an account that first off is currently being disputed, which they should t be trying to collect during this time. Capital one has been given all the proper documents and evidence to prove that I was incompetent at the time of opening the line of credit an led it was performed by an assigned fiduciary that was in control of all financial affairs. On the legal documents it states I was not incompetent in which I have shown them and the CFPB otherwise. I have filed an ID theft report affidavit under oath and sent it along with a request for a credit block to all three CRAs with zero success. All they do is the same procedure as for a dispute not what they are supposed to do by law. These credit collection techniques they have been using and laws they are refusing to follow are pulling myself and family through enough emotion and self despair and trauma. I have again attached document to this complaint in hopes that someone will take this seriously and help me with this issue Ive been dealing with that just keeps ruining my life and credit even more Avery day of my life. First they theft of ID from a fiduciary assigned due to incompetency, then abusive techniques performed by the CRAs and creditors/collectors for things I have no control. over while incompetent and being treated after discharge from the military. Please someone go after the old fiduciary and not me for these things for once and give me the relief I deserve instead of these illegally filed lawsuits with false statements and lies on them that they get away with all the time!!
Consumer complaint received 2020-10-17
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. (NC)

I am complaining about Equifax. Trying to determine which correct website address for Equifax to login to my personal account. XXXX has more than 15 different links to search for the Equifax website on their search engine. This is not security. This is very confusing to consumers. This should be fixed due to security concerns for consumers.
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Credit Card Receivables Fund Incorporated (NC)

this was owed to another company and unifund ccr ppartnerr said the bought the loan its been since XXXX I tried to make a payment but what I was able to pay they refused to accept now they have doubled the amount and twice the interest rate because unifund was after my house that I lost in XXXX do to illness I have XXXX had XXXX I need help in this matter
Consumer complaint received 2016-07-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IL)

I am extremely upset in the way Seterus has failed to provide sufficient information in regards to my review fro a Principal Reduction program my lender XXXX participates since XXXX XXXX, 2016! I can not believe the way Seterus is giving me a difficult time for my review. They have failed to provide the XXXXLTV ratio to see if I qualify for this program. Seterus has also mention they do n't participate in this program, but according to my lender that should n't affect the review because as long as the lender participates in the program they are obligated to review.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

EARLIER IN THE YEAR I CHECKED MY CREDIT REPORT AND ALL OF MY INQUIRIES WERE DELETED. TRANSUNION PLACED THEM ALL BACK ON MY REPORT. UPON A DISPUTE THEY TOLD ME THEY WERE ALL VALID AND WOULD REMAIN. ITEMS WERE PLACED BACK ON WITH OUT NOTIFYING ME BEFORE PLACING THE ITEMS BACK ON MY REPORT.
Consumer complaint received 2023-03-19
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. (IL)

XX/XX/XXXX I sent my letter. I told the credit bureaus to " investigate every piece of information '' on accounts I listed below. Also I have attached the letter I sent out and here is the tracking Number ( XXXXExperian ) ( XXXX ) ( XXXX XXXX through USPS.

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. 

Account name/number- XXXX XXXX XXXX XXXX XXXX Account name/number- XXXX XXXX XXXX XXXX. 

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 Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( The Creditors ) XXXX XXXX XXXX and XXXXXXXX XXXX the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with the company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
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 Any other adverse item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

XXXX  Account # XXXX has violated my rights. 



15 USC 1681 section 602 A 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 accounts without my written instructions. 

Disputes were sent out on XX/XX/2024 and noting was removed these medical bills are a violation of my consumer law please remove all of these or I will pursue legal action against Credit bureaus and CFPB!!!! 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

Under 15 US Code 1681a ( 3 ) medical collections are in violation and can't be on any credit report