davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I have contacted this company by certified mail 30 days ago requesting proof of debt belonging to me, contract bearing my signature and have received nothing from this company. I called and spoke with them over the phone, and they stated my requested needed to be done in writing which I did, and nothing was done or sent out. This company is past the alotted time by the fair credit reporting act and either needs to submit proof or remove this account from my credit report.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, someone allegedly opened up an XXXX XXXX XXXX account in my name. The initial use of the card was {$54.00} at first, below is the current for the transaction information on my credit report. I contacted the XXXX XXXX and they stated, as I know to be true, my account with them was paid off and closed by them in XXXX. It is pure nonsense for them to close my account and then allow me to reopen another XXXX less than 6 months later. I spoke with a representative on the phone and she stated that I must go through the Credit Bureau reporting company individually. My Credit score because of the allowed fraudulence has now dropped by over 20+ points since first reported. I ask your Company take the appropriate steps to close the fraudulent account and repair the damage done to my credit score. Thank you for your assistance in this manner. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$1500.00} / {$11000.00} You're currently using 14 % of your account 's limit. 

Balance {$1500.00} Credit limit {$11000.00} Minimum monthly payment {$39.00} Opened XX/XX/XXXX ( 3 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Open Type Flexible Spending Credit Card Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0Reported XX/XX/XXXX
Consumer complaint received 2019-08-22
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. (NJ)

Fraudulent account opened in my name. Account : XXXX. Partial account number : XXXX. Account : XXXX. Partial account : Account XXXX. Account : XXXX XXXX Partial account : XXXX
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

We called and cancelled our the XXXX XXXX trial XX/XX/2022 which was within the first 30 day trial period XXXX talked us into trying. We were then charged {$100.00} the first month, called to cancel again, and were charged {$100.00} again for another month. We never used the service once and cancelled within the first 30 days but were incorrectly billed still. I talked to XXXX several times trying to get this charge reversed and they agreed that the charges were not valid but that they had no ability to reduce the charges since we were cancelling all of our services with them and were showing a past due balance. This was fraudulent/unauthorized charges from XXXX and they even stated this as well. This has now been sent to collections with Sunrise Credit Services who I disputed the charges with also. They said XXXX is validating the overcharge now since they don't know when we requested to have the TV service cancelled.
Consumer complaint received 2022-10-21
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. (MD)

I do not proclaim to be an attorney or a law student, I just had time on my hands during XXXX XXXX. 
As i was on Social media, i came across some users giving Credit Education. I ordered a copy of the Fair Credit Reporting Act " U.S.C 1681 free booklet. 

I sent letters for the company to Validate the Debt, which states, I have a right to ask for validation what is being reported on my Credit Report 15 USC 1692a ( 2 ), term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I also read that it can be a criminal law, but i have not read or self studied that part. 

Please, investigate to see whyinaccurate information is being reorted on my consumer credit report. 

Thank you
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, someone allegedly opened up an XXXX XXXX XXXX account in my name. The initial use of the card was {$54.00} at first, below is the current for the transaction information on my credit report. I contacted the XXXX XXXX and they stated, as I know to be true, my account with them was paid off and closed by them in XXXX. It is pure nonsense for them to close my account and then allow me to reopen another one less than 6 months later. I spoke with a representative on the phone and she stated that I must go through the Credit Bureau reporting company individually. My Credit score because of the allowed fraudulence has now dropped by over 20+ points since first reported. I ask your Company take the appropriate steps to close the fraudulent account and repair the damage done to my credit score. Thank you for your assistance in this manner. 

Respectfully, XXXX XXXX XXXX US XXXX, Veteran Overview XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$1500.00} / {$11000.00} You're currently using 14 %  of your account 's limit. 

Balance {$1500.00} Credit limit {$11000.00} Minimum monthly payment {$39.00} Opened XX/XX/XXXX ( 3 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last payment XX/XX/XXXXCurrent Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Open Type Flexible Spending Credit Card Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0Reported XX/XX/XXXX
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX Ive received a check for XXXX $ for work Ive conducted for a customer reforming around landscaping work. Prior to this I had already deposited a check the customer paid XXXX $ to my checking account ending in XXXX. I submitted a mobile deposit for the XXXX $ to my newly opened saving account. Uploaded the check admittedly was placed on a hold with a date given XX/XX/XXXX for the check to clear and time for chase to verify money was about to go through to my account. I called customer service regarding the issue they had informed me that XX/XX/XXXX the amount should post to my account and should have no problem accessing the funds deposited. Today XX/XX/XXXX contacted JP Morgan Chase regarding the hold placed on both my checking and savings account I wasnt able to withdraw the XXXX $ deposited into my savings account. I was told by the customer representative that both of my accounts were closed without any disclosure of information allowed or given. That within XXXX business days I could potentially receive a check in the mail for the amount balance left in the account but thats hypothetical if theirs a remaining balance of XXXX $ the account left with in and was close with unreasonable causes. Leaving a customer without money in their account without when or if I may receive anything. Should be absolutely illegal to close a customers account without a reasonable cause or explanation. After speaking with a supervisor informed me that a possible check would be sent to my mailing address that the account had been set in notation closed since XX/XX/XXXX. That a check possibly of XXXX $ could be sent within 10 business days following on date XXXX of XXXX. There was no possible way the supervisor could tell me if that was promised. End result me losing money for work Ive performed and depositing a check without even pay a return fee of check if bounced.
Consumer complaint received 2020-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

In XXXX of 2019, Shellpoint Mortgage took over our home loan from XXXX. Unfortunately no one notified us about that transfer. Not XXXX and not Shellpoint. It wasn't until my husband tracked down who held the mortgage in XXXX that we were able to find out about it. Once we found out who to pay, and they sent us a statement we sent in a payment. Then we got another statement and sent in another payment Both payments were returned without being accepted. We had to call them again and pay over the phone. They are still charging us late fees even though we could not have paid them on time because we didn't know who held the mortgage we were never notified! They are also reporting this to credit reports even though it is Shellpoint 's fault.
Consumer complaint received 2022-10-21
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. (WI)

There is an account with XXXX on my credit report. The beginning part of account number is XXXX. Per my report, this card was opened XX/XX/19. I did not open this account. I have contacted XXXX directly, submitted paperwork to attest to the fact that I did not open this account and disputed this information several times via the credit bureaus. XXXX continues to report this account on my credit report without providing any proof to support that I opened the account. Instead of deleting the account from my credit report, they update the report that the balance was charged off and transferred to another lender. This is not my account and I want it deleted from my credit file. This account has lowered my credit score.
Consumer complaint received 2020-05-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BTH Management (CA)

In XXXX, I called the company to set up a payment arrangement on my balance. The message stated Please hold while we connect you to a representative and did not say anything about calls being recorded. I spoke with representative XXXX who did not verify my identity before disclosing the debt associated with my phone number. She also did not inform me the call was recorded. They transferred me to a representative who actually sets up the payments who informed me THAT line was recorded, so I asked if all of them were and he said yes, so I asked to be transferred to a Manager. I spoke with Mr. XXXX, XXXX, who began to discuss the debt with me STILL without verifying or giving a call recording disclaimer. I informed him this was all in violation. He put me on hold to listen to the call with XXXX and came back having verified what I said to be true. I informed him I wanted the matter removed from my credit and that thrown out. He declined. I said I would have to consult my attorney then over the FDCPA violation prior to proceeding with any payments. I verified with him that the calls are recorded and would be available for further inquiry, based on my telephone number. 
- Later, on XX/XX/XXXX and receiving no further contact from them, I called back and a representative, XXXX stated the account was no longer in their system. It was still on my credit, so I disputed it, but it was validated, even tho the rep had stated there was no account there for me. All of this very frustrating and unprofessional behavior that violates my rights.
Consumer complaint received 2020-05-16
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. (FL)

XXXX is showing my name as XXXX XXXX date of birth XX/XX/XXXX This is incorrect my name is XXXX XXXX XXXX date of birth XX/XX/XXXX Because of this there are false collections being reported to my credit report damaging my credit score making me unable to get a job or a house please remove this information from my credit report.
Consumer complaint received 2020-05-22
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2021-10-14
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. (OH)

I checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to XXXX, Transunion XXXX XXXX and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.
Consumer complaint received 2020-08-11
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: CITIBANK, N.A. (NY)

Hello There : My Credit card, was charged with two big electronic purchases on this pandemic era, purchases that I did not do. 
On my statement of XXXX appeared 2 transactions. One was on XXXX XX/XX/20 for {$4300.00} and other of {$3800.00} on Best Buy ; I called Citi XXXX Card to report the scam and they immediately cancelled my credit card and sent another one. Credit card issuer told me that they were going to make an investigation and put a dispute for these transactions and that I should wait until they find out what really happened and they reversed the charges. After XXXX weeks, they sent a letter stated that they found the transactions were made by me and they also sent a report generated by Best Buy with the record of both delivery transactions. One package was delivered to a XXXX XXXX XXXX Office and the other package was delivered by XXXX to my house, I called the bank and I told them that I never ordered neither received these merchandise and I never called XXXX neither XXXX to make any arrangement. 
According to Best Buy report, the thief used an email address and telephone numbers very similar to the ones I use. I asked to the credit card how is possible that the merchant do not request a signature delivery for this kind of purchases? They said that I -me- picked up one package in XXXX Office and the other was delivered to my house. I never did that nor received that. 
After XXXX weeks of back and forth calls, I contacted again to the Credit Card to see what happened with the investigation, they said that they are going to charge again the transactions to my monthly statement and I must pay for them ; they give me the option to open a new dispute, but after that dispute is closed, they never going to do anything else and they keep this amount on statement. Yesterday, XX/XX/XXXX I received my XXXX statement and they charged {$8100.00} again
Consumer complaint received 2022-05-18
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. (FL)

Upon reviewing my credit file, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-18
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. (TX)

In XX/XX/XXXX I submitted a dispute about 2 accounts on my credit file that were not reporting correctly. One account is reporting the last payment made date wrong yet the their rating key shows more payments were made past that date. This account supposedly sold the account to debt buyer which is reporting a different amount than what the original creditor has. The initial response from TransUnion was that they verified the information to be correct. I proceeded to ask what information did they base the supposed verification on because the account information was still wrong. They simply replied explaining their investigation procedures rather than re-investigating the errors. 

After reading more of my consumer rights I then re-disputed the accounts in XX/XX/XXXX they have blantantly ignored me and haven't even responded at all.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid 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: CITIBANK, N.A. (FL)

The basis of this complaint is that Citi credit card did not proceed with a dispute against fraudulent transaction I had through XXXX but ultimately paid for with the Citi card. I provided information to Citi after searching this scam and is now a very prevalent scam but Citi still refused to even process the dispute. I will detail the situation in greater detail below but the general scam is to send a 2 cent plastic piece to say sent the item versus sending the item paid for. Due to this and technically the basis for dispute is the incorrect item was sent but this is the basis they rejected. 

I ordered XXXX XXXX XXXX  on from XXXX  and my credit card was charged {$52.00} by XXXX. I did not receive any order confirmation except of XXXX receipt and then shipping notification with tracking info. On XX/XX/XXXX instead of the XXXX XXXX XXXX XXXX XXXX I received a tiny package with a piece of plastic/button inside ( the same tracking number which was in XXXX system, photo is attached ). After filing a dispute via XXXX the seller stated that I must return this piece of plastic to XXXX although their website provided a Florida address but it was necessary to send it to XXXX to get a refund. The seller 's web site shows the same return shipping address in Florida and also has US phone number which is actually out of service. I searched on the Internet and found out that other people who bought from this web site were scammed the same way - ordered expensive items and received pieces of plastic instead. The name on the web site does not match the name in XXXX XXXX ( Return Policy and order information with the seller 's info are attached ). 

This is information on the website : Send all returns to : XXXX XXXX XXXX, XXXX, FL XXXX, United States. 
Recipient : XXXX XXXX XXXX Email : XXXX Phone : XXXX This is seller 's info in XXXX XXXX : Seller info XXXX Return shipping address XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

On XX/XX/22 I called the company and talked to someone and explained that I did not know what the account on my credit was and that it must not have been mine. They said that they would send proof to me via email in the next day. On XX/XX/22, I called again because I had not received proof. They then told me that it was actually coming in the mail. They also told me that there would likely not be any real proof because it was an online loan and that essentially anyone who had my social security number, name, and address could open a loan in my name. I got the documents in the mail about XXXX weeks later and there was no signature or anything other than basic information included in the documents. They told me in our phone conversation that the information provided was the only information needed to prove that I was the one who opened the account. The account was paid at some point, but I have never paid the account, nor have I ever heard of either company associated with the account. I also asked them why the account still shows as an open collection on my credit if someone paid it and they said that it was just the way they did things. The account has shown a XXXX balance for at least a year but they refuse to close it.