davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (KY)

XXXX XXXX XXXX they also go by Resurgent Capital Services LP. I have settled amount and they my company is still sending them a payments from an old judgement they sent another old judgement signed by the judge a long time ago after it was alrey paid. This business needs to be shutdown because they have done this to a lot of different people after I searched their name on XXXX. The same thing is happening and they are calling me and they just started calling me again threatening me that I am going to lose everything I got if I dont paid this and I will lose my job because they are going to call them and tell them that I am a bad employee because I dont pay my bills and I am in the financial field. Please do whatever it takes to put this company out of business
Consumer complaint received 2023-08-15
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. (NY)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-12-02
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. (IL)

I am a victim of identity theft I have accounts on my credit report that I have Disputed which I spoking to the credit bureaus numerous of times, and they request a police report and a copy of my drivers license and I even sent a FTC report requested by the credit bureaus. I did comply with everything that they asked me to and Im still having problems.
Consumer complaint received 2023-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2023-12-02
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. (CA)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (VA)

Barclays Bank of Delaware mistakenly claims that I requested online statements in lieu of paper statements. Lacking a paper statement, two payments were missed in XXXX and XXXX, XXXX. Barclays error has led to a massive reduction in my FICO score from XXXX to XXXX, which will impact my ability to borrow and the cost of any future borrowings. The account was opened in XXXX  and until Barclays ' error, had years of a perfect payment history. 

I have pursued this matter directly through Barclays who is unwilling to accept my explanation. Despite this, Barclays has been unwilling or unable to support their claim that I personally requested online billing as opposed to paper. The most likely explanation is an internal error at Barclays led to coding my account as preferring to receive online as opposed to paper statements. 

I have also pursued this matter directly through XXXX, XXXX and XXXX. Their automated complaint system is not sophisticated enough to address my complaint properly and my complaint to each resulted in no change to my record. 

Barclays error has unfairly harmed me and my outstanding credit record. I would be grateful for any help you can provide. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

The following hard inquiry currently listed and showing on my XXXX XXXX and Experian credit report is unauthorized and not my hard inquiry : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXXXXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I fervently request the removal of this account from my credit report because it does not pertain to me, and I'm truly disheartened by its appearance. I want the company to expedite its elimination from my credit record.
Consumer complaint received 2016-05-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

In 1999, at XXXX years old, I enrolled in a XXXX XXXX XXXX program at XXXX XXXX XXXX University with an income of {$0.00}. To pay for college my parents and I applied for student loans and received the full amount of student aid available to us at the time. This was not enough to cover the funds therefore we also took out " Signature '' loans from XXXX XXXX, which have been sold to different groups over the years and are now serviced by Navient. I have XXXX separate loans with interest rates of ( 8.5 % - XXXX loans, 3.5 % - XXXX loans, 4.75 % - XXXX loan ) and owe a total of {$31000.00}. My total monthly payment is about {$400.00} and I want to negotiate with Navient to lower the interest rate of my 8.5 % loans. Do you have any suggestions for me? I consistently pay my loans, although due to financial hardships I have made late/delinquent payments. I have NOT defaulted on any of my loans and I do n't want to get to that position. I am also interested in consolidation and any income-based repayment plans. Additionally, I work in public service ( XXXX XXXX ) and am interested in any public service loan forgiveness programs.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (GA)

I had an auto loan with US Auto Sales and I made a purchase with US Auto Sales in XXXX of XXXX for a XXXX XXXX XXXX. US Auto Sales went bankrupt. I made my last payment to US Auto Sales in XXXX of XXXX. My loan was for XXXX. I had the car for about XXXX XXXX months before US Auto Sales went bankrupt. A company called Westlake Management started calling and demanding payments on the car I got from US Auto Sales. They stated that I owe over XXXX for the car and my original loan agreement with US AUTO Sales was for {$18000.00}. I asked Westlake Management to show me proof of payment, original loan agreement with my original signature, and host of other documents. I demanded that I receive it in writing on XX/XX/XXXX, and I never did. Westlake Management came and repossessed my car without my knowledge and they didnt let me get my personal belongings out the car. My original loan agreement was in the glove department of the car. Westlake Management is now putting false information on my credit report. I never had a loan agreement with Westlake Management. My loan agreement was with US Auto Sales. Westlake Management came out of no where and they are not located in my state. They are located in the state of California and I live in the state of GA. They call me at inconvenient times. Like, after midnight my time. I am trying to get Westlake Management disputed off my credit and I would like for them to stop reporting to my credit history. Also, I have the paperwork that I sent them on XX/XX/XXXX. US Auto Sales no longer have a customer service number to reach out too.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX Called XXXX in customer service at Chase to order a Sapphire Preferred card to replace our Southwest card ( {$99.00} annual fee charged on XX/XX/XXXX ) Asked if payment of that {$99.00} fee could be transferred to the new Sapphire account, as well as transfer of reward points. XXXX promised fee credit and points would be transferred. 
Then he announced I must apply online for the new card, which I did and it was approved immediately. 
XX/XX/XXXX I ordered payment in full of Southwest account, delivered to Chase on XX/XX/XXXX. 
XX/XX/XXXX The Sapphire cards arrived in the mail, after which we stopped using the Southwest card. 
XX/XX/XXXX While online at Chase to print Southwest statement for final pay-off, I noticed the Sapphire account was also debited for {$95.00} annual fee on XXXX, and there is no credit for having paid {$99.00}. 
XX/XX/XXXX Spoke to XXXX, Supervisor at Chase. She claims XXXX gave me " misinformation '' and my request for transfer of fee credit and reward points can not be honored. They will " pull the call '' record with XXXX of XX/XX/XXXX at XXXXXXXX XXXX and mail a letter in 7-10 business days. Also, I would have had to close the Southwest account within 41 days of XX/XX/XXXX to get the fee credit transferred. I asked how could I close the account without having received the final statement and paying it off? She said I could close it with a balance remaining, but did not say that it was an option today! 
XX/XX/XXXX Filing a CFPB complaint ; last 2 Southwest statements and Sapphire activity printout are attached, along with my husband XXXX XXXX signed permission to respond to me. Thank you, XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting 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)

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. Accounts listed below. 1. 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 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 Violated my rights.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My XXXX payment of {$490.00} was debited from my checking account and the full amount of {$490.00} was applied to accrued interest. 

However, the XXXX statement that Mohela provided only shows accrued interest of {$110.00} on loan XXXX and accrued interest of {$130.00} on loan XXXX for a total of accrued interest of {$240.00}. Yet {$490.00} was applied to accrued interest. 

This is an error since the difference of {$240.00} should have been applied to my principal. 

I have called Mohela several times a day for several days and they keep putting me on hold for several hours and no on is able to correct the problem or tell me why payments ar e being incorrectly applied. 

The billing statements are incorrect since what they are indicating is the accrued interest, it is not. This is very dishonest and unfair to the borrowers that there is no transparency as to how Mohela is applying payments and the customer service representatives do not have the answers. 

I look forward to a resolution.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.