davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
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. (PA)

I have disputed this account with Southwest Credit Systems and I have received nothing from them at all. I do not know why they are on my credit, what I supposedly owe them for, or who they are. They have willfully disregarded my dispute letters, they have violated my rights granted under the FCRA and FDCPA by not providing me with any of the required documentation necessary for them to be on my credit, and even though I've begged them to stop calling my cell phone and workplace, they have continued to do so on an autodialed line. This is outrageous. HELP ME!
Consumer complaint received 2020-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

Credence Resource Management continues to call my phone multiple times per day despite being informed I am not the original owner of the cell number XXXX XXXX XXXX. I do not and can not know the original owner. 

I continue to get daily phone calls from them despite having no current debts of any kind. Mortgage, medical, or otherwise. Informing them I am the new holder of this cell number has likewise not worked.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (AR)

At the end of XXXX, I updated my payment information with American Express ( AMEX ) without realizing that it defaults to " Statement Balance. '' On XX/XX/XXXX, I woke up to find my bank account overdrawn by {$3500.00}. I immediately called AMEX, and they informed me the only solution was to issue a check, which would take over a week to process. I contacted my bank, which confirmed that I didnt have enough funds to cover the transaction so it would fail. I then called AMEX back to cancel the check, and they agreed, telling me to wait for my account to update so I could make the minimum payment. 

However, on XX/XX/XXXX, AMEX attempted the payment again, overdrafting my account by {$3500.00}. I called AMEX again, and this time, I was told that their policy is to retry failed ACH payments up to three times, and there was nothing they could do to stop this. They advised me to place a stop payment with my bank, which I did. 

Meanwhile, I was still waiting for my AMEX account to update so I could make the minimum payment. Finally, on XX/XX/XXXX, my account was updated, allowing me to make a minimum payment. However, AMEX processed the check payment despite our previous agreement to cancel it and I never received any check so in my mind I thought this was canceled, and now my outstanding balance has ballooned to over {$7000.00} when I initially owed only {$3500.00}. 

AMEX 's handling of this situation has been unprofessional. They failed to provide complete information, and their customer service representatives did not listen or update my account properly. Despite being a large company, AMEX seems to lack proper processes for handling requests and communicating effectively. Even my bank has advised me to switch to a different credit card company due to how poorly this was managed.
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Around XXXX XXXX, I sent out a certified mail to TransUnion letting them know about unauthorized credit inquiries on my report and asked for them to be removed. TransUnion failed to address the issue and delete those unauthorized inquiries. The inquires in question are below : XXXX XXXX XXXX  on XX/XX/2020 XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XX/XX/2020 XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX
Consumer complaint received 2021-12-02
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. (GA)

i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Experian have XXXX of their XXXX XXXX certify under the penalty of perjury that i did received good and service from those transactions.
Consumer complaint received 2021-10-06
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. (PA)

Ive been sending letters to the bureaus about incorrect reporting and nothing has changed they state they cant fix it however inaccurate information is being reported ( XXXX experian and XXXX report different on multiple accounts Highlighted in the yellow are XXXX highlighted in the orange are Experian highlighted in the pink is XXXX. 
Accounts are different, date opened are different. Balances are different, credit limits are different past due amounts are different, comments are different, date last active are different, date of last payments are different, there are charge offs with balance amounts, balance amounts are different, my name is different even after sending documents nothing has been updated or corrected Under the law 609 FCRA it states everything must be validated and reported correctly this hasnt happened. Please review exhibits A-V all inaccurate reporting each bureau reports something different.
Consumer complaint received 2022-09-18
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. (GA)

I requested an investigation with Transunion for the XXXX XXXX collection account around XX/XX/2022. They responded back with a letter on XX/XX/2022 saying the information reporting was VERIFIED as ACCURATE. I requested that the account be deleted because the info was NOT ACCURATE. XXXX funding has been reporting this bad account information for the past 3 years and it has had and still have a negative impact on my score. I do know that a collection agency should not be reporting a PAST DUE amount at all. And i never received a letter from this company when they obtained this account prior to them reporting this information to my credit report. That is a violation of the FCRA and FDCPA. And because of this unfair reporting i have been denied credit with certain companies over the years as well. Please have them delete this account PERMANATELY!
Consumer complaint received 2022-07-29
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. (IL)

I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following accounts on the credit report are incorrect.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$14.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} ;
Consumer complaint received 2020-12-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent disputes to the credit bureaus regarding inaccurate accounts reporting on my credit reports. It is XXXX and I have not received any results from the investigation. Legally the credit bureaus have 30 days to complete an investigation. It has been over 90 days and nothing has been done. These accounts need to be deleted from my credit reports immediately or I will file litigation due to the stress this has caused me. My infomation was impacted by the XXXX data breach and could have gotten in the hands of the wrong person. XX/XX/2020 I Sent an additional letter to the credit bureaus and they have ignored that one as well.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (MI)

XX/XX/2021 certified mail sent to an address that never belonged to me. 
XX/XX/2021 court document along with a credit card statement also taped onto the front door of the same address that never belonged to me. The owner of the address contacted me and sent me photos of the documents that was taped on the front door! The company is Midland credit management. They have my correct address and Ive never been contacted at my home regards to this issue. Ive called midland credit several times and can not get any information about this account until Im giving them my personal information on which Im refusing.
Consumer complaint received 2020-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In XX/XX/2020 I had a 30 day late payment reported for the amount of {$15.00}. Prior to this payment being 30 days late I spoke with two representatives who I believe failed to provide me with all information or options based on the companies process with my account status. I made an attempt to make a payment for {$100.00} but my banking information that was saved on file was removed without a request by me. No agent was had been able to identify why my banking information was removed because I never had any returned payments. Since my banking information was no longer on file I asked to make a payment with my debit card. The agent advised me at the time she couldn't take a debit card payment and I would have to re provide my banking information. I bank with a small local credit union and at that time the credit union was temporarily closed due to COVID. For me to obtain my bank information I had to wait on the bank to respond to me through a secured messaging portal with that information. On a separate occasion I was contacted by a collections agent and explained the previous issues to her and requested to make a debit card payment with her at the time. That agent also told me she was unable to accept my payment at the time. I've attempted to resolve this issue for this past 6 months with customer service and their managers every time I call but have not been able to get any information in regards to having someone investigate if I was misinformed contributing to the 30 day late being reported. I received one call back that I missed at the time but soon after the missed call I returned the call to the manager but only reached a voicemail. I left at least 3 voicemails and never received a call back. Since I never got a response to my voicemails I started to ask for a manager every time I call to make a payment now but still haven't received one over the past 6 months.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

In XX/XX/2021 my husband and I did a loan modification with a previous company, after the modification was approved but before my payment was due they sold our loan to BSI Financial. My payment was due on XX/XX/2021. I contacted BSI as soon as I had their information, and was told that the process could take up to 10 days to get transferred over and to not make a payment until they had the loan documents. I explained that we had just been approved for the modification and they assumed me that I had nothing to worry about that it would be honored and my payment amount would be the new modified amount. I waited the 10 days, but I did keep checking online to see if I had an account yet, I called them back after 10 days. Still had no information, again I was assured everything would be fine and that this was not uncommon and there was a 60 day period before they would charge any late fees or report me to credit agencies for non payment. Finally in XXXX, they finally had my information and had created an online account for me. However they did not have the modified information, when I asked about it I was told that they had just gotten the documents from the other company and it was in the process of being updated and again was assured that everything would be fine and to make the modified payment, which I did. After that I called them twice a week to check the status, each time I was given a different reason as to why the information was not updated. I was assigned a point of contact whom I reached out to but could not get in touch with and could not get a return call. Each time I called customer service, I was told I needed to speak to the POC and each time I explained that I had been trying. Finally it got to the point that I called everyday. I was even told at one point that they had not received my modification package from the previous company so I told them I would reach out my self and ask them to resubmit it to them and I also sent copies to them my self. The rep that I spoke with stayed on the line to make sure they came through and once they did she told me she would get it to the appropriate department. Fast forward to just short of one year, and my account it still not reflecting the modification, I still can not make payments online, I have to call it in each month and go through the whole process as to why I am not going to pay a fee to make my payment. I still can not get in touch with my POC after multiple phone calls and messages left. If I log into my account I can see my payments that I have made but it says they are unapplied. I don't know what is happening with my money at this point. I am extremely frustrated!!
Consumer complaint received 2021-10-06
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. (NC)

2 months ago today, I sent letters to the credit bureaus ( attached in this complaint ) regarding inaccurate things I have on my credit report. Up until now, I havent got any action & respond from them, I can still see those inaccurate things on my credit report. They didnt make any action for my complaint. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thank you.
Consumer complaint received 2020-12-04
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. (CT)

I have a legal settlement agreement with XXXX XXXX that has been paid in full as of XX/XX/2020. I filed a dispute with all three bureaus and 2 of the 3 has been updated to reflect a XXXX balance as of XX/XX/2020. I have submitted 8 investigations to experian who continues to state that the information on my credit statement is accurate ( which shows i have a negative balance of XXXX past due. I have sent the payments made, the settlement letter and letter stating the final payment made, and this has still not rectify the wrong reporting on my credit file with experian.
Consumer complaint received 2021-06-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I have been working with Caliber Home Loan since last XXXX, received a preapproval by XXXX. She was a great person who provided a lot of information. She kept me updated on status and kept me in informed of things that may arise. I decided to go with a new build which happens to have Caliber as their preferred lender. My open file would then transition over to XXXX ( loan consultant for new build ) on XX/XX/XXXX. XXXX and I spoke briefly, indicated that parents will be gifting a large down payment. I feel as if XXXX did not do anything to recheck my file, nor did he communicate the urgency for specific documents ( if it was needed ). I did not get a red flag from the Loan Consultant, nor the Sales Agent ( who accepted my pre approval letter ). On XX/XX/XXXX the Sales manager cancels my purchase agreement because " I did not have a pre approval on file ''. 

I feel like there is some kind of miscommunication between the loan consultant and seller and I am being penalized with this loss. Seller is refusing to reinstate my purchase agreement, the house is now back on the market for a higher price. I'm a qualified buyer. I've gone through two different lenders who have given me a pre approval ( one already approved ). I went back to the Caliber Branch manager to demand that they redo my file. He reassigns me to XXXX again on XX/XX/XXXX. I've provided documentation as requested again. It is XX/XX/XXXX and I am still having to follow up with on a status with XXXX. Below is a timeline of events with the loan. 

- XX/XX/XXXX Received preapproval letter from XXXX  - XX/XX/XXXX Signed purchase agreement for new build and deposit XXXX ( sales agent to request loan docs be transferred to XXXX ) - XX/XX/XXXX Finalized upgrades, provided additional {$5800.00} - XX/XX/XXXX Seller cancels purchase due to " not having a pre approval on file '' - XX/XX/XXXX Addressed complaint to Caliber branch manager XXXX, demanded that they re do my file again. XXXX  stated he will have XXXX re run my file. 
- XX/XX/XXXX XXXX emails with list of documents needed, I provided documents and asked that he kept me in the loop on status - XX/XX/XXXX I provided more documents - XX/XX/XXXX XXXX indicates he can not open one of the docs, I resent the doc - XX/XX/XXXX I followed up to see if he was able to open the doc, asked for a status - XX/XX/XXXX Followed up on status again as XXXX did not reply to previous email - XX/XX/XXXX XXXX indicates he still needs all of the documents. I only provided the XXXX tax return - XX/XX/XXXX I replied, there are several documents attached to this email already. I attached the same documents and asked that he kept me in the loop if he was running into any problems opening the file.
Consumer complaint received 2020-12-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OK)

I have opened an account with Coinbase on XXXX the XXXX,XX/XX/XXXX. At that occasion and for a couple of days I had full access to my account, which includes a second-step verification code sent by my phone. I bought currency, which I assume they have on " my wallet ''. I have the same phone and it works just fine. 
On XXXX the XXXX, when I tried to log into my account, the system confirmed having sent the code but the code never appeared on my phone. I tried it at least ten times before filing a ticket with customer service. 
XXXX never got back to me. There is a phone number to call but I made it crystal clear that I can not speak on the phone because I have hyperacusis : the phone background noise causes extreme pain. They must, according to the American Disability Act, contact me in written form. 
I tried contacting them through their social media ( XXXX and XX/XX/XXXX) then. They ignored my complaint. 
They have my money, they locked me out of my account and they refuse to solve the problem.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-12
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. (IN)

I have contacted XXXX, XXXX, and Equifax about reporting and sharing certain information about me without my authority or my written consent which is a violation of my rights as a consumer. These three companies are also violating my right to privacy by reporting these accounts. The accounts are as follows : XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX U.S.Code 1681 ( a ) ( 4 ) states the consumer 's right to privacy. 

Notice, it is a fact, I, the consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, XXXX, and Equifax has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

15 U.S.Code 1681b ( a ) ( 2 ) states Credit Reporting Agencies need written instruction to make a consumer report by the consumer. 

Notice, it is a fact, I, the consumer is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

15 U.S.Code 1681 ( b ) states Credit Reporting Agencies must follow reasonable procedures. Must be fair and equitable to the consumer. 

Notice, it is a fact, I, the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed were not followed and this a violation of 15 U.S.Code 1681 ( b ).

In conclusion, These companies have violated plenty of my rights as a consumer. With that being said, I demand they remove all the accounts listed below. If my demands are not met, my next step is to take each company to federal court to show where they violated my federal rights as a consumer and sue each credit reporting agency. 


XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX