davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P. (TN)

On XX/XX/XXXX, Southwest Credit Systems called a total of 8 times on both personal cell phone and house phone. The person who they are looking for is in the hospital and is not available to speak but rep continued to hang up instead of hearing situation On XX/XX/XXXX, same issue kept occur when answered. Rep will not speak with person who is handing this issue in honor of the person who they claim owed the debt, very aggressive and rude and hanging up on us
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The credit monitoring companies are soliciting services for modifying their own ways in a method that seems conflicting to ethical antics. They collect and share information about your credit and will change their ways if you pay them money to do a better job protecting that information. This would be like the mafia threatening to affect your business back in the day and then at the same time turning around and offering a service to protect you from the same attack.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (WA)

I feel this ( company XXXX is stalking on the same issue from another company in the same vicinity and I filed a complaint about Ref. # XXXX on XX/XX/XXXX. I think this is a deceitful business practice of both within a 30 day time period. 
I feel I am being abused with harassment and being stalked by these people. 
XXXX. XXXX XXXX XXXX XXXX XXXX. Resurgent Capital Services This paperwork showed up after filing complaints ( AG Office and CFPB XXXX and before the 1st company even answered. 
I am being threatened of my LIFE, LIBERTY, and PURSUIT of HAPPINESS ( only ALIVE )! 
I know this is a time-barred debt XXXX XXXX XXXX, it has not and does not exist ( from a divorce ). If any ever correspondence it was over several years ago, which ended and nothing until this stuff with COVID and the XXXX Stimulus from the US government. 
This is literally harassment of abuse from them and a deceitful business practice!
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIRST HAWAIIAN, INC. (HI)

I wire transferred {$9700.00} in us funds to XXXX XXXX. Through my regular bank. funds were promised on XX/XX/2019 it is now XX/XX/2019 and my bank can not tell me where the funds are and the receiver has not seen the funds in their account.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Dear team, I took a loan of rs XXXX from XXXX indibulls on XXXX XX/XX/XXXX. All XXXX  going regularly till XX/XX/XXXX. 
Now I received a call and offer mail ( attached same ) from XXXX for precloser that if loan will be preclose today than special discount and said for pay XXXX XXXX I paid XXXX and it will be precloser not settlement. I have paid this amount through online link. 
second day XXXX XXXX more demanded from me but I have not paid and My loan showing settled in cibil and dhani afraid me about cibil. 

I have paid all XXXX on time and paid advance than how loan could be settled this Arbitrary of company. 

Now company demanding Rs XXXX for correction cibil. 

Nodel and support also not helping me they saying only payment. 

I am unable to pay this amount because company made false promise with me. 

This is totally cheating and I clearly tell you foreclose my loan as per quotation. 
Request you please take necessary action against XXXX and help me. 

I am following thius case from XX/XX/XXXX but nobody ready to listen. 

All evidence attached the same.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is my second attempt at getting this alleged debt removed from my consumer report. 

I requested a debt validation letter in which you, Capital One, sent back a letter saying you allegedly verified my information. I am still waiting for a valid response on how exactly this was verified and by who. Additionally, I sent in an affidavit of truth, which still has gone unanswered and uncontested. 

Then today, XX/XX/2021, I received two large envelopes with stacks of pages of billing statements for an alleged debt you assume I owe. At this point, this level of harassment is false, deceptive, and unfair, and quite frankly, this is identity theft ; as I have stated, this alleged debt isn't mine. 

Providing me my address, social security number, and date of birth is not a form of validating my debt by law, and in your response to my first complaint here on the CFPB, XXXX XXXX ID XXXX ) you stated that Because the accounts were opened online, there is not a signed copy of an application to provide. So again, I ask, how is this alleged debt mine? 

I am a federally protected consumer, whos rights have been violated by identity theft.
Consumer complaint received 2020-09-09
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. (CA)

This is my second complaint against the credit bureaus. Now they are asking for proof of who I am so I am sending it. I feel they are stalling and trying to by time I have attached my lease agreement and SSN card that should be proof enough.
Consumer complaint received 2022-06-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I received a text about fraudulent charges and called the phone number in the text. The person who answered did not seem legitimate and even asked for another of my credit card numbers to verify my identity. At that point I hung up and called the number on the back of my credit card and the woman I spoke with said there were no fraudulent charges. Later that night I received a phone call from a different man who claimed to be from Bank of America 's fraud department. We spent 2-3 hours on the phone, and it seemed to be resolved but I received an email the next day about more fraudulent charges. I called again and spoke with a woman who was able to verify the conversation I had the night before but noticed that my card not been cancelled yet and she was unsure why. She cancelled it and started the Bank of America Fraud claim. I received a letter a month later saying the claim was denied because the charges were made on one of my approved electronic devices. Impossible. Was not me!
Consumer complaint received 2020-09-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CHARLES SCHWAB CORPORATION, THE (VA)

Om XX/XX/XXXX I submitted a mortgage refinancing application with a new lender in Virginia. 
I also have a HELOC with Charles Schwab which is serviced by XXXX XXXX. 
I was told today XX/XX/XXXX that Charles Schwab Bank will not allow its HELOC to be subordinated to the new first loan thereby causing my refinancing application to be denied. 
All communication about the HELOC is handled by XXXX XXXX  I have NOT received any information about this " policy change. '' This policy is blocking consumers from taking advantage of the decreasing interest rates and improving consumer financial health. 
Charles Schwab will only subordinate my HELOC ( that dates to XXXX  ) if I write the first mortgage with Charles Schwab. 
How is this an appropriate policy to block all existing customers from refinancing? 
Thank you for your assistance.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I received a letter in the mail from Experian about my bankruptcy dispute. I requested an investigation on asking how they verify the bankruptcy on my credit profile. Experian updated my credit profile with " Outcome remains ''. They also stated that the received the information from XXXX XXXX which was frozen. This is a illegal and unacceptable. Attached is a copy of all documents listed in process with my dispute. Also the mail dispute date is in attachment in certified mail.
Consumer complaint received 2022-03-02
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. (TN)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (TN)

I received a letter from XXXX XXXX XXXX XXXX for debt that I do not owe. I searched the company and found several complaints about them fraudulently collecting debt people dont owe. I do not want to contact them and verify any personal information listed in the letter. I have not used XXXX in years and my account is clear. 

It is dated XX/XX/2021 For {$40.00}
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Hello, My FICO score dropped by 43 Point just in a Day on XX/XX/2020. I was excellent FICO score person and it was big drop without any big reason. I have not applied for any Mortgage or Loan Just I applied a XXXX Credit Card. I feel Experian intentionally dropped 43 point FICO score just because of this so that I can take some services  from them to improve my FICO score. 

Please help me to correct my FICO Credit Score. 

Thanks
Consumer complaint received 2020-09-09
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: Credit Karma (TX)

I requested a copy of my annual credit reports from all 3 credit agencies. Upon receipt of my credit reports I found numerous hits on my credit reports from credit karma. I have never used credit karma, I use the actual credit bureaus. I contacted credit karma and they found an account with my information that someone else was using to access my information unlawfully. I still do not know who did this, I have no IP address for these people to give to law enforcement. I was physically assulted, and I believe they located me by unlawfully accessing my credit bureaus.
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (CA)

The company is committing fraud through debt collection act, by reporting inaccurate information. I have no contract with this company. I sent a letter to the company to cease and desist in XXXX, and the information still shows negativity on my credit report as showing late payments. The amount reported on my credit report is XXXX.
Consumer complaint received 2024-11-07
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent several disputes to each on of the credit bureaus : Transunion, XXXX & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Consumer complaint received 2021-03-25
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. (TX)

On XX/XX/XXXX, I verified my credit score through the Experian website, and at that point in time, my score was XXXX. Today XX/XX/XXXX, I received an email informing me that there was a change in my credit score. I thought it had increased by a point or two because I have not had a single late payment in over a decade, nor have I made any changes to my financial responsibilities. I was shocked when I saw that my score had dropped to XXXX for absolutely no reason. This is an abuse from Experian and a way to force a person to subscribe to their Experian Identity Credit Service to " boost '' our credit score. 

Please let feel free to contact me if you need anything from my end. 

Thank you.
Consumer complaint received 2022-01-25
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. (LA)

This company is getting away with WILLFUL NONCOMPLIANCE OF Federal laws and CFPB is supposed to regulate these crimes so I will report these violations every day that they occur just as this Credit Reporting Agency is continuously breaking the law. This is the way I am reporting them.

15 USC 1611 Whoever willfully and knowingly give false or inaccurate information or fails to provide information. Each violation is {$5000.00} or imprisioned not more than one year. 

I called Transunion on yesterday and spoke with XXXX in the Fraud Department and she told me on HER recorded line that they did not have to follow the FCRA law. Although I told her that no company policy is above FEDERAL LAW she still stated it again. 

15 USC 1681b states that any person furnishing a consumer report must have written instruction from the consumer in which it relates. Meaning they should not be reporting any of the items attached to my previous complaints with out my consent which they DO NOT HAVE.

How are they just openly able to violate the law? 15 USC 1681C-2 states, " not later than 4 days after the date of receipt by such agency '' Ive sent in all of the documents that are required under federal law to get these items blocked and the company keeps responding with a 30 day wait period. This is extortion of my credit! I as a consumer have rights that are protected by congress. They were written because companies like you have a history of taking advantage of consumers. I am willing to get a consumer lawyer and come after the company for damages as well as all the fines attached to each month and day I was violated. 

Its easier for the company to simply comply with the laws.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by XXXX XXXX XXXX  pattern of making fraudulent claims against a XXXX XXXX XXXX. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of trafficking, 22 U.S. 7102 ( 11 & 12 ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.
Consumer complaint received 2020-09-09
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. (LA)

Me and my XXXX sister were hanging out one weekend years ago on XXXX XXXX my XXXX had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud
Consumer complaint received 2024-10-14
Product: Credit reporting 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. (GA)

I recently looked at my Experein credit report on XXXX XXXX and i saw some hard inquiries that did not have permissible purposes i also arranged evidence 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 : 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 XXXXXX/XX/XXXX has violated my rights. 


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. 

Delete this inquiry due to violation 15USC 1681b
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT ACCEPTANCE CORPORATION (NY)

CREDIT ACCEPTANCE CORPORATION has used abusive means in the collection of debt on muti consumer reports CREDIT ACCEPTANCE CORPORATION has written " 30 days past late '' " 180 days pass due '' or " collections '' words like this are very controlling threating and scary statements under 15 usc ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

and ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

The statements made by this company has messed up my reputation also caused me many years of abuse for not being able to finance a next car due to the words that were stated by leaving me with mental instability
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (CA)

I have file disputes with all 3 credit bureaus back in XXXX and yet have heard anything. I understand that with covid things are slow but still should not take 40plus days to get results
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc. (TX)

On XX/XX/2022 at XXXX Central Time I received a phone call from the debt collector Gatestone & Co International Inc ( the Company ) reporting to be XXXX XXXX telling me to return their call immediately at XXXX so my account doesn't go to further collections. 

The Company acknowledged receipt of my letter dated XX/XX/2022 informing them they may only contact me by mail at my address. The Company continues to call me in violation of federal law and my rights as a consumer.