davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that SOUTHWEST CREDIT SYSTEMS would verify the debt. So I took it upon myself to ask SOUTHWEST CREDIT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-08-23
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. (SC)

In response to the Credit Bureaus XXXX XXXX, I am submitting this CFPB Complaint. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting more information from the credit bureaus about these specific items in question because I am not happy that enough was done to actually contact the creditors who are reporting this information on my report. Sections 609  ( a ) ( XXXX ) ( A ) and 611  ( a ) mandate that these accounts be verified by the XXXX credit bureaux ( XXXX ). ( A ). It is unacceptable to treat these reporting stories as unverified rumors without providing evidence within the prescribed window of time. Sections 609  ( a ) ( XXXX ) ( A ) and 611  ( a ) of the FCRA ( XXXX ). Please look into the following unverified accounts ( A ) : XXXX XXXX XXXX  XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-25
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. (TX)

I have called and filed several disputes online. Equifax and XXXX are reporting my XXXX  card as a closed account. This account is not closed and I am current with my payments. I verified with the creditor that the account is still open and was not reported as a closed account.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2021-09-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Seeing that the world was and still in a pandemic with Covid and me dealing with deaths due to XXXX and being their for immediate family as well as grieving I honestly overlooked the bill. It is funny how they have assistance for those who are experiencing hardship due to XXXX, but no compassion for those who inadvertently forget to pay a bill and never been late. I had this account for over 9 years and never missed a payment and when they finally got in contact with me I then pay the balance off in full apologizing for missing the payment. 

Not only did they report it after I asked not too due to the circumstances they also blocked my account for further use. I mean really and I missed 1 payment and turned around and paid the entire balance off. Bit to mention other store cards I have with XXXX  have also been restricted and I am about to cancel and close all of the cards that had for years and once again never been late. 

To top it all of I put in a dispute early this month when I seen the reporting and it was removed, but once I requested to close the account they retaliated and put the negative remark back on. How does a company get way with that. They can remove it ( I have screen shots ) but when I choose to close the account they can go back in and place it back on. 

I need someone to step I. And look at the larger picture of a consumer who has several cards with this bank and never Been late for a number of years, we are not speaking of 1-3 years. 

Please step in to help rectify this issue. 

Thank you
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-09
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)

Please be advised that the final account statement in the amount of {$4600.00} shall be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/. As such, I submitted a notice to vacate onXX/XX/2023 

Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings. 

Additionally, XXXX XXXX XXXX XXXX XXXX has admitted to closing the account and XXXX has removed the collection from my report. However, EXPERIAN and XXXX refuse to do so, I'm not saying my information is incorrect, I'm stating that the account is incorrectly reported.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

As of XX/XX/XXXX, Capital One is refusing to remove the late payments from two of my accounts with them. Even though Capital One mailed me two letters dated XX/XX/XXXX stating that the late payments would be removed. 

The letters state verbatim : Letter # 1 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, www.capitalone.com/credit-cards/faq. '' AND Letter # 2 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, XXXX '' I spoke with Capital One on a recorded line on at least three occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On all three occasions I spoke with a supervisor/manager. 

On XX/XX/XXXX : they said someone must have dropped the ball, and insisted this issue would be resolved for BOTH accounts. 

On XX/XX/XXXX : they apologized again, saying they had to resend letters with NEW dates ( dated in XXXX ) so by the accounts ' XXXX reporting cycles, this issue would be resolved. I was also assured that someone would follow up with me. 

On XX/XX/XXXX : the supervisor told me that only one of the two accounts had notes written on them. She also said that despite what Capital One agreed to, Capital One reinvestigated the account and decided that the late payments were going to stay. She stated that Capital One can not do that and assured me that if I dispute, they should see the letters on file in the account, and remove the late payments. I am not going this route because this is absolutely ridiculous how long this has taken for something that was supposedly resolved in XX/XX/XXXX. She agreed. 

I will never be able to get my time back that I have lost in my attempts to resolve this issue.
Consumer complaint received 2022-08-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AR Resources, Inc. (FL)

AR Resources INC ( 1 ) is not dating their letter/correspondence or envelope ( 2 ) is not giving a time period in which to dispute ( 3 they are not giving an address in which to direct a dispute.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (FL)

Good evening, I recently reviewed my credit report due to the nature not being able to obtain credit so that I am able to be a guarantor for my business credit, Unfortunately I have not been able to due to the nature of some unauthorized accounts on my consumer report and under 15 USC 1681 ( a ) ( 3 ) These Credit Reporting Agencies have assumed this role without my permission not only they didn't have my consent, they also did not respect my privacy and under 15 USC 1681 ( a ) ( 4 ) my rights have been violated.

The Credit Reporting Act has allowed these debt collectors to be placed on my consumer file as well as a list of inquiries I did not authorize. 

The Debt Collection agencies are as follows XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX Inquiries Made XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

First a text message from TD bank was sent to me that someone was trying to make a purchase in Ohio with my debit card. I answered NO as of no it wasnt me. Thats exactly how TD bank works. Next text message said the representative will call me. A fake Td representative called and said someone was trying to change my username so I need to confirm the original one and my social security. Soon after I provided all the information they said we need to confirm my phone number and IP address. So they sent me messages which i was supposed to confirm. All those messages withdrew {$200.00} from my account. So there were like 8 messages i confirmed. After I hang up {$2000.00} was missing from my savings. They transferred {$2000.00} from savings to debit and used XXXX to withdraw. I became a victim of a fraud and I want my {$2000.00} back. TD bank files filed a dispute and later said they wont give me my money back.
Consumer complaint received 2022-07-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (MO)

When the deferment started, I contacted XXXX to see what my payments would be after the deferment ends and my renewal application was activated. They ensured on several occasions that my remaining months at the payment I was making before the deferment started. On XX/XX/XXXX, I had my Income Driven Repayment plan renewed for {$170.00} to pay towards my outstanding student loan debt. I accepted that amount and moved on with my day. The loans are all under deferment and the last time i applied for my annual renewal was XX/XX/XXXX. Apparently, a few days later, another submission was made in my name with a much higher income input and done as a new application, not as a renewal, which takes away the months I had remaining on my old IDR plan from XXXX. This second application made my payments {$260.00}, almost double what i was paying before the deferment started, but by income has only increased a few XXXX dollars since then, no where near doubling. I spoke with 2 different representatives, one claiming to be the first ones manager and said the second submission is invalid and wasn't submitted by me. I wanted it removed and the first one that was approved 3 days before to be the one to use. They kept saying over and over there was nothing they could do except submit another application and override the second one. This is ridiculous and borderline illegal, in my opinion. I stated that I didn't submit it, had no confirmation of this higher amount, electronically or by mail. I didn't know this change until I spoke to them on XX/XX/XXXX because of a phone call they made to me to confirm my contact details. This was all a shock as its not stated on the main page when I log in what my payments will be when the deferment ends. I was on the phone with AidVantage for an hour and 15 minutes before finally agreeing to another application to get my payments to {$190.00} and i lose my 3 months I had left at the amount before deferment. They refused to dispute the second application. All I kept getting when asked why we couldn't use the original renewal app was, " Our system wont let us '', even though it was the valid submission and the manager agreed that I wouldn't of put in a second app knowing my current was already approved.
Consumer complaint received 2021-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

in XXXX my ex lost his job, we try to apply for assistance with wells fargo and they denied us, since XXXX we have divorce and we both me and my ex decided to divorce and he awarded the house to me. I have my divorce decree stating i am the homeowner of my house so i try to do a loan modification and they denied me they said they wanted a warranty deed with all my rights of my home giving to me so i did but i have been struggling for almost 7 years and getting no where! i have talk to to many people that take the case and they seem to close them out because not they want a liability form signed by my ex, well I can not find him, he has remarried and he signed all the required forms for me to have every right of my house. I am a successor of interest but the mortgager still wont let me do a modification on the loan cause they need his permission after i have the warranty deed and divorce decree signed by my ex, now they want me to provide his address and where he is at which he has remarried and his wife does not want any part of me. Wells Fargo has been so unfair and always has giving me false information, they have been so unfair in deceptive practices! i have lost my hair from all this stress they have giving me! I dont have good credit to move my mortgage somewhere else if not i would! I was laid off in XXXX and had a terrible XX/XX/XXXXyear with XXXX  and XXXX that almost XXXX  me! i feel they are treating me unfair and i get transfer to so many people i feel they aren't taking me seriously! i just want to modify my mortgage and add my name on the note Please help
Consumer complaint received 2022-08-23
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$26.00}
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (IA)

Original complaint # XXXX-XXXX. I have recently discovered so much new information, that I am making a new complaint. 
On XXXX XX/XX/XXXX, I received a notice from my employer that the were garnishing my wages for a debt judged in State of Michigan XXXX judicial District Court, Judge XXXX XXXX. The Attorney is XXXX XXXX of Weinberg, Weinberg and Reis. The case # is XXXX. There was a default judgement to garnish my wages for the amount of {$3600.00}. 
I found out today, from the Court Clerk, that they claim that I was served, by alternate measures. The clerk told me the I was served by 1st class mail on XXXX XX/XX/XXXX, and that it posted XXXX XX/XX/XXXX. The address was XXXX XXXX XXXX, XXXX, XXXX. This is an address that I briefly stayed at over 15 years ago, with a girlfriend. It was her address. I don't know that this would be considered a residence, even when I did stay there. I have not even been to this address in over 15 years. In XXXX I moved to XXXX, XXXX. In XXXX I moved to XXXX, XXXX. I can easily prove that I was working at XXXX  XXXX XXXX through the dates involved in service, with no vacation. XXXX, XXXX  is XXXX miles away. 
The court case was for a XXXX XXXX that I did not have. I have never had a XXXX XXXX. I think this may be identity theft by my estranged wife. I have no details yet ; but, I believe the address where the card was opened, was XXXX, XXXX. Why would I live in XXXX ; then move back to a location that I briefly lived in 15 years ago. 
The Attorney tricked the court to get a default judgement on a case they couldn't win. They had used this address, and this type of service to evade liabilities under 15 USC subchapter V 1692i. I am sure nobody went to that address to attempt service. Had they done this, the residents would not know me. I also believe that they used this address to get the judgement in a limited jurisdiction court, that was friendly with them. The distance would make it nearly impossible for me to address the court or defend my rights.
Consumer complaint received 2022-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

CONTACTED XXXX ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
XXXXXXXX XXXX XXXX XXXX RETAIL CARD SERVICES CAPITAL ONE FOR A TOTAL OF 3 TIMES
Consumer complaint received 2022-07-05
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.