davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting 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)

I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by XXXX XXXXk. Specifically, I have been reported as delinquent by XXXXXXXX XXXX, and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by XXXXXXXX XXXX as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by

15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy. Furthermore, per 15 USC 1666b, a cr
editor such as XXXXXXXX XXXX  is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my Experian, XXXX, and XXXX credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by XXXXXXXX XXXX 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my Experian, XXXX, and XXXX report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I received an email XX/XX/2022 from XXXX which is a company that I had a XXXX XXXX XXXX XXXX with. The email stated the following correspondence : Saying goodbye is never easy XXXX, You are the reason we built XXXX. Youre the reason we created XXXX XXXX XXXX All companies change shape and grow at some point. Our time has come and we are saying farewell to our beloved XXXX XXXX XXXX  plan to focus our efforts on other products that will help people in greater ways. 


On XX/XX/XXXX, our trusted partner, XXXX, will be taking over for the duration of your loan. You will make payments and manage your account from their website. Aside from XXXX now being the servicer, nothing else about your loan is changing, and all terms will be the same. Continue to make payments on your scheduled due dates. If youre using AutoPay, it will continue to work as usual. Youll be able to download all of your loan documents and statements from the XXXX website. 
1. So my payments which were on auto pay began to come out of my account with the new company as of XX/XX/2022. However, the new company has not reported any of my bi-weekly payments to any of the credit bureaus. And when I tried to file a dispute with all three agencies regarding this matter I was given an message that stated I am unable to dispute the information. 
2. Also the company is listing on my credit report that my monthly payments are {$270.00} which is inaccurate. I pay {$120.00} bi-weekly and there are only 4 weeks in a month that comes out to {$250.00} per month not {$270.00} as being reported by the credit reporting agencies. Which you can see from the documentation provided. And the same message was received when I tried to dispute that inaccuracy as well.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC (TX)

I am receiving numerous calls to my employer and the number they are calling is to my department head. He has asked numerous times to stop calling but calls are still made. They are calling my cell phone demanding that I verify myself with my personal information and when asked who they are they are rude or hang up. They are being very threatening to myself and supervisor.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

Last month XXXX/XXXX/2015, I filed a complaint with your organization under complaint # XXXX,, because Equifax continues to knowing and intentional report information that they know at face value is inaccurate. After my complaint was filed with your organization, they claimed to have opened a new investigation and that they never heard from me on the matter before my complaint to your organization. Well Today, I received a letter from them dated XXXX/XXXX/2015 indicating that they completed the investigation and the information was verified accurate and nothing was changed despite the obvious face value inaccurate information is truly conflicts with all the currently reporting on the report
Consumer complaint received 2015-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

There is XXXX hard hits on my credit file that I did not authorize. I did not request the compan 's to pull my files. I disputed this with equfax they state they looked into it but that it 's public record so it remains. I contacted the companies and there response has been thay do not have any info on it but it might or might not have been done but it 's equfax that reporting it so it 's equfax I have to deal with. Equfax refuses to do anything about the matter and because it 's on my credit file it hurts my credit rating. They are playing games and Equfax can not prove that I requested credit from these company 's.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I had gift card with Sacks Fifth Avenue, balance from card was stolen by someone, supposedly someone purchase some jewellery item and shipped to State or FL and multiple requests to a company to clarify was no avail. Company provided contradictory info and never provided to where funds or items were shipped, to whom, and I was recycled for 2 years. 

Company scammed me.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

Experian is currently reporting XXXX paid and closed student loans with the XXXX. They are reporting these accounts with a collection status as of XX/XX/XXXX. These loans were consolidated and PAID IN FULL on XX/XX/XXXX. This account was NEVER with a collection agency. It 's NO way that these accounts can show it was in collections a month after it was paid off and closed a month before. I 'm attaching proof from the XXXX -STUDENT LOAN DATA. 
Also they are reporting the XXXX loan for {$150.00} i NEVER had a loan for {$150.00}. I also pulled my student loan history ( attached as well ) and it does not have any loans from XX/XX/XXXX for {$150.00}. This reporting is 100 % incorrect and i 'm asking that both accounts be removed due to incorrect reporting.
Consumer complaint received 2015-08-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (UT)

I am trying to get a modification on my home. I was first working with XXXX XXXX XXXX. XXXX XXXX XXXX had all the documents needed to start the underwriting process. My loan was then transferred to Rushmore Loan Management XXXX XXXX, 2015. When first contacting Rushmore in XXXX I was told they had none of my information from XXXX but was told it can take some time to get the documentation. When I called I was told that they were only given parts of the documents and the best thing to do was resend ALL information which I did. My case manager with Rushmore Loan Management has given me false information many times regarding my loan. Also when I spoke to her she said she needed more information faxed. I asked her to review the documents she did have and come to find out they already had the documents. I was then told that I needed {$20000.00} for a down payment if I wanted to save my home. If I had the {$20000.00} I would n't be having to try and get a modification in the first place. Also I asked her if she could please leave a voicemail if I do n't answer and leave me the information that they need. This has only happened once and she did n't leave a message with documentation needed she just left me her name and number. I am extremely frustrated and feel as if I am being mistreated by this company. I did not receive notice from Rushmore Loan Management that my house was being foreclosed on. I was notified by they trustee note taped to my door that my house is going into auction on XXXX/XXXX/15
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

My bank sent my mortgage to a lawyer for foreclosure as I was talking to the bank 3 times a week, making partial payments and being told the loan will not be foreclosed on. The bank told me, every conversation was documented and recorded, this will be easy to prove. When I asked why I was not told it was going into foreclosure the bank said " How where we supposed to know? '' and I asked then how was I supposed to know! The foreclosure lawyer charge me {$2700.00} in fees. I have paid this loan in full including the extra fees, but would like to at least be reimbursed for the extra fees. I was lucky my balance was small enough to pay off. There are going to be a lot of people who's balance will be to much to pay of and this bank is going to steal their homes!
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are XXXX accounts listed on both XXXX and Transunion with the wrong information. Both of these accounts have been sold to collections agencies. The first account is XXXX XXXX XXXX that has been sold to XXXX XXXX XXXX. I have called three times, each time on hold for over 30 minutes and no one answers the phone. The number for this collection agency is XXXX. The information on my credit report is incorrect. This account is from 2013 and the balance was not {$680.00}. The credit card only had a maximum of {$200.00}. The second account is for XXXX XXXX. This account was also from 2013 and was less than {$300.00} now it is owned by a collection agency who isnt even listed on my credit report. When i called XXXX XXXX about it, they said it is no longer in their office and has been sold.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX, previously XXXX owned our mortgage loan. In XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house in XX/XX/XXXX. Our bankruptcy was discharged in XX/XX/XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure in XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure in XX/XX/XXXX Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX Also the taxlien has been paid and its not being reported as such.
Consumer complaint received 2017-02-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

I 'm Filling a complaint stating this account is not mine I pulled my credit fill back in XX/XX/2016 disputing file # XXXX XXXX is the company this is not mine and I requesting that it be removed from my credit file.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

This collection Account has violated my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to opt out of this information being reported to XXXX, XXXX, nor Experian.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There has been an item placed on my credit report that has been improperly re-aged. I disputed this item with the CRA and they did not obtain documented validation from agency reporting said debt. The item in question was originally reported in XXXX and is now being reported with a open date of XXXX/XXXX/XXXX. CRA should have obtained documentation ( signed contract, payment history, etc ) to validate this debt but relied on verbal verification only. Item in question was reported by a XXXX, XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX for an XXXX XXXX XXXX XXXX account from XXXX. This originally appeared on all XXXX my credit reports in XXXX and was removed in late XXXX making this a improperly re-aged account.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I was an authorized user on an account. I went ahead and took myself off and disputed this with all XXXX credit reporting agencies. 

XXXX, and XXXX removed this account properly. However equifax keeps saying that this is still my account and it is affecting my credit report and score. This account is my wifes account and it has been updated with payments. However I have disputed this XXXX times with equifax and everytime this comes back as verified however the information has only bee updated since XXXX which is the same time I removed myself as an authorized user. To me this means equifax is not verifying this account properly because this is no longer mine.
Consumer complaint received 2015-07-27
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

I have been banned from using MoneyGram. 

I have had a MoneyGram account since at least XX/XX/XXXX and maybe longer. I last used my account on XX/XX/XXXX and received an email from MoneyGram on XX/XX/XXXX regarding the new and better services they offered. 

I tried to use my online account XX/XX/XXXX to make a bill payment and was unable to " log-in '' to my account. I tried to reset my password on-line and was direct to call MoneyGram customer service. I did this and was informed that MoneyGram would no longer allow me to use their services. I was told that If I wanted to send money, I would have to use another service. Thereby effectively banning me from their services. They would not give me an explanation. 

I called back XX/XX/XXXX hoping someone with more authority would be in the office on Monday, that way my issue could be escalated. My concern was escalated to the " highest possible level ''. I was informed that my account was indeed " banned '' without any explanation and that I could file a complaint on " their '' web site if I had one. I told them I thought I was entitled to an explanation. They said they did not have to provide one for security reasons. I told them with the current attitude that filing a complaint on their website would be futile and that maybe someone with more authority, like the federal government should look into it. I also said I felt threatened and discriminated against for no reason. 

I thought maybe it was a fraud issue, so I contacted XXXX and asked them to check my identity theft account and to upgrade my account to their top level of security. They said they could find no reported issues with MoneyGram and me. I related my story to the representative. I asked them how I should handle the issue. He stated that he had never heard of such and issue with MoneyGram. He recommended that I contact the FTC. 

I would appreciate any assistance in resolving this issue. I feel I have the right to know why this happened. 

In summary, I have been banned from using MoneyGram with no explanation as to why this occurred or if this is permanent. I have done nothing wrong and have never been accused or convicted of any crime. I am a retired XXXX.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have previously filed a complaint against Transunion and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from Transunion. Most recently I have had success removing a high balance of {XXXX} down to {XXXX} on XX/XX/2022. Transunion is stating that the collection is only showing a balance of {XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these bureaus.
Consumer complaint received 2016-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (MD)

Caller ID says call is from " Unavailable '' and says call is coming from XXXX. Voice mail says recorded voice is calling from United Collection Bureau Inc. Does n't say who they are calling or what they are calling about. Asks that I call XXXX. I have no debts, I ignored the call. Call came at XXXX XXXX XXXX, 2016.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

Equifax deleted a positive trade-line on my bureau report prematurely. I have made several attempts to contact XXXX Equifax and the original creditor about reinstating the trade-line several times. Each entity claims there is nothing they can do on their end and blames the other for the issue. I have spent countless hours trying to resolve this issue to no avail.
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. (AL)

In accordance with the Fair Credit Reporting act, DEPT OF EDXXXX has violated my rights. 

11 Accounts with the same account number ; reporting inaccurately! 
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 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
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (SC)

I opened up a Robinhood account back in late XXXX or early XXXX and was investing money in several stocks and crypto. A few months back Robinhood froze my account with over {$26000.00} in it and refused to give me a reason. They wanted me to submit a social security card, drivers license, unredacted bank statements showing amounts in my account, selfie holding identification, etc. I did not have a clearly legible social security card that my phone camera would pick up, it was just old, and I explained this but they made me get a new one from the Social Security Administration which took weeks. I initially sent funds from my business account to Robinhood and when I sent that exact account 's bank statement Robinhood said it have to have my name on the account NOT my business. Again, I did NOT change anything, not one thing. I wanted to move funds back into the SAME account from which it was sent to them. Same account, same account number, nothing changed. I finally received my social security card and sent that so they have everything they wanted from me but they only say, " we are still reviewing ''. Nothing else. They are holding 26K of my funds for NO REASON. Please assist if able.