davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (PA)

Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, SOUTHWEST CREDIT SYSTEMS I am writing to demand the deletion/removal of an unlawful and inaccurate report on my consumer report. SOUTHWEST CREDIT SYSTEMS has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. Furthermore SOUTHWEST CREDIT SYSTEMS has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the XXXX XXXX. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Consumer complaint received 2024-04-03
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I received an email from XXXX XXXX thanking me for purchasing an e-gift card for {$250.00}. On that same day I got an email from XXXX  saying an e-gift card was purchased for the same person as the XXXX XXXX XXXX gift card was purchased for but for {$300.00}. I filed a dispute with a bank employee on this same day. I found out that there were other charges pending that same day that were declined when I was at the bank reporting my dispute. I was initially credited back the funds. 

On XX/XX/XXXX I received a letter in the mail stating that no billing error occurred with the XXXX purchase. XXXXXXXX XXXX refunded my money. In this letter it contained the documents used to determine why. They are in the tiniest print & barely legible for one, and two it does not provide compelling evidence that the purchase was made by me. In each of the purchases they used different emails to send the e-gift cards to, but they were all sent to the same person. I can provide all the emails as I did to Fifth Third. 

On XX/XX/XXXX I sent in all documentation and a letter stating I wanted to reopen this case due to the fact the purchase was not one I made. 

On XX/XX/XXXX I had not heard from Fifth Third Bank and after I had tried calling their fraud line ( always had to be transferred and always got disconnected ). I went into an office and an employee called the dispute line for me. At this point they did not have an answer in regards to the outcome, but I was told I would hear something in the next few days. 

In a letter I received today ( XX/XX/XXXX ) dated XX/XX/XXXX stated : We previously conducted an investigation of your dispute. As part of the investigation, we reviewed all available documentation and information related to your disputed transaction. Based upon our investigation we determined no billing error occurred. We sent you written notice of our determination on XX/XX/year>. We have not received any information that indicates that our determination was in error or that we should reopen the investigation. 
It seems like they are just letting this fraud go on my account. I will continue to dispute this considering I did not make this purchase and have no intention of paying for something I did not purchase. I work too hard to purchase an e-gift card for something at XXXX or anywhere else for that matter for someone Ive never heard of when I wont spend money like this on myself.
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc. (MD)

I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX XXXX claims still unpaid and unresolved. And XXXXXXXX XXXX  assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed XXXX, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX  XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of XXXX violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a XXXX or longer. I am owed roughly XXXX XXXX XXXX in unemployment money. I wound up homeless and lost my XXXX XXXX backed mortgage waiting on nothing to happen. And my XXXX sent the XXXX to my home to have me arrested and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received XXXX of letters, emails, calls, etc., from me and NOBODY responded over a XXXX period. Which prompted a congressional XXXX complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this! 

I have XXXX years of job experience. Length of job portion of this was due to the COVID lockdowns and unavailable jobs. And delayed unemployment. And you can see the rest in the details above. I was XXXX from XX/XX/XXXX to XX/XX/XXXX and just reestablished myself XXXX months ago. Without any agency designed to assist help. They denied me too. You give it drug addicts, drunks, prostitutes, criminals, and people who steal from others. Not legitimate people who do what they are supposed to do that you hawk for something to get them on versus looking at yourself as the problem.
Consumer complaint received 2023-10-06
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Bull City Financial Solutions, Inc (KY)

Bull City Collection Agency has placed a claim against my credit report ( XXXX XXXX XXXX XXXX ) for not making payment to XXXX XXXX in XXXX XXXX. I found this out as I was trying to buy a new vehicle and was declined the loan due to poor credit - my credit has declined from XXXX to XXXX I called Bull City Collection to find out more and they provided me with an account number, I called XXXX XXXX to find out why they placed a claim against me, they ( XXXX XXXX ) told me the account number I provided does not match my personal information. 

Again I called Bull City collection Back and informed them of the account number not being associated with my personal info or social. Bull City hung up on me and putting me on hold for XXXX. 

Having access to 2 phones I was able to get both Bull City Collection and XXXX XXXX on speaker talking to each other, XXXX from XXXX XXXX was very helpful in confirming account number provided in Bull City Collection claim did not match my personal info nor social Bull City Collection still has not removed this claim from the credit bureau and is refusing, as they claim only XXXX XXXX can reverse this claim. Conversely XXXX XXXX responded with : the claim has been submitted ( to a different person ) and unfortunately we don't have the option to undo anything I have proof of my own utility bills going as far back as XXXX which I will be attaching to this submission - The system is failing when its so easy to put claims on one 's credit report without even notifying them, yet its near impossible to reverse even though both parties agree they have the wrong identity on file
Consumer complaint received 2023-10-06
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. (GA)

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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I need some help with cleaning up my credit. I did an investigation on my credit report which caused me to develop XXXX and stress upon learning that unverified, invalid and inaccurate information is on my report. I want my report to be 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, 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 2023-10-06
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. (TX)

XXXX account is a closed account and on a monthly payment plan that has been current. This account has never had a 30 day late payment. Called the company on XX/XX/2023 asking why is a 30 day late payment reflecting on all 3 credit reporting bureaus, Transunion, XXXX and XXXX and request that this be updated and corrected to no late payments and currently on payment arrangement for this closed account. I was told by the company that this matter would be updated and corrected to reflect no late payments.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

I've emailed on XX/XX/XXXX because I had a surplus on my loan. I wanted XXXX XXXX to send the surplus back so I was not charged interest for that portion of the loan. I got a strange email back on XXXX that had nothing to do with my question. I emailed again on XXXX to let them know that was not my question and asked again. I received an automated " thank you for your email but we are receiving an unprecedented amount of emails ... '' email back. On XXXX, they sent me another strange email about forbearance which had nothing to do with my question and I am not in forbearance. On XX/XX/XXXX, I emailed again after trying to chat with their " live chat '' which is an automated bot that is not helpful. I got the automated emailed. Today, on XXXX, I tried to call them, currently, I have been on hold for 2 hours and 24 minutes with no human being anywhere in sight. I tried to email again but the email is a no reply email address. There should be laws to protect borrowers from this type of treatment. It should not be this hard to get information on my loan. This is ridiculous.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (MT)

In late XX/XX/XXXX I received a letter and check ( {$5800.00} ) from Wells Fargo, for payments not being processed in a timely manner. They said it was compensation but I was under the impression it was reimbursement for over-charged interest. I thought it was part of the class action lawsuit for errors from XXXX XXXX. In XX/XX/XXXX I received a 1099-INT for the entire amount. 
I called Wells Fargo on XX/XX/XXXX for a detailed accounting of the payment because I was led to believe that the remittance was reimbursement for over-payments. I was told at that time by the Wells Fargo agent that it was for over-payment on the account from XXXX to the close of the account. I explained at this point if it was reimbursement for over-payment, that it is not earned interest to be reported on a 1099_INT, and I want a detailed accounting so that our accountant can file an appropriate tax return. A case number was provided ( # XXXX ). 
I again called Wells Fargo on XX/XX/XXXX because we had not received a response from the initial request. At that time, they informed me the request was never submitted and thus a new case had to be opened ( # XXXX, this was emailed to me the next day ). They escalated the case to the executive office. Wells Fargo agent stated they needed 10 days to complete their research. 
I received an email XX/XX/XXXX stating they could not finish the research request and they hoped to have it completed by XX/XX/XXXX. This is beyond our tax deadline, so now to avoid penalties and fines we must pay for an amended tax return and pay full taxes although we do not agree that the amount Wells Fargo provided to the IRS in the XXXX is correct. 
We have had problems with Wells Fargo and this account for years. This was a personal loan for a motor home and Well Fargo held the title for it. After paying off and closing the account, we never received a title or even a letter stating it was paid. They had the title in their possession and after requesting it and a letter stating it was paid off, we did not get it for months. They can not update our address in their system since the account is paid off, thus I received the 1099-INT in XXXX. They can not even send an email correctly, they sent initial emails to one email address, and the follow-up to a completely different one.
Consumer complaint received 2023-10-05
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: Burke Moore Law Group, LLP (CT)

This phantom debt collection agency is calling my corporate cell phone number as well as the cell phones of my family members- my kids and XXXX  parents, threatening legal action and threatening to show up at my home or employer. This is illegal and must stop. Im so upset about these spam calls! If I owe a debt the normal course of process would be to send me a letter in the mail- of course there is nothing for this organization on my credit report, it is completely clean and I just bought a house. Please make this stop - thank you for your help.
Consumer complaint received 2023-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX or XXXX, my local branch ( Truist ) called me saying I needed to sign another document from a HELOC we closed on XX/XX/2023- so it is now 6 months later... 

I found this odd as I have received no official notices from Truist ( mail, e-mail, or otherwise ) stating that there was missing paperwork. Because of this, I asked them to send me a copy of the document to review. I noticed it said page XXXX of XXXX and since they need it notarized I asked to see the other XXXX pages as I don't anything resembling this paper from our loan agreement, etc... 

When I asked a few questions I was told they only have one page and received a voicemail from the Branch Manager telling me " I have to sign it '' Prior to coming in ( during the week of XX/XX/2023 ). I asked these questions via email : XXXX ) usually if something was missed, we would have received something from Truist within 30 days and definitely before 90 days - why are we just hearing about this 6 months later? 

XXXX ) the document you sent says page XXXX of XXXX, and when compared to the papers we left the office with im not seeing any corresponding paperwork that matches what seems to be XXXX pages. Can you send me the other pages to compare to what we have? 

XXXX ) because we havent ( at least to my knowledge ) received any official notice from Truist and Im not seeing anything similar in our copy- this is making me feel like this is new documentation or something that wasnt included originally, which I hope we arent being asked to sign new documentation 6 months later ( hopefully seeing the other pages will help me see if I overlooked something in the documentation we have ) XXXX ) why is nothing showing in file with the county clerk? Am I not looking correctly? 

I received no response regarding these questions via email other than " The only thing I was inform to do was notarized this documentation ''. 

I need to know what is going on, why I can't get any answers and why no official documentation from Truist has been sent.
Consumer complaint received 2023-10-05
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. (SC)

I have medical bills on my XXXX XXXX Transunion over XXXX. The accounts was removed off my XXXX report. I have disputed these accounts by letter explaining to them that the accounts doesnt belong to me, I have done this multiple times with XXXX XXXX Transunion and also have called.
Consumer complaint received 2023-10-06
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. (FL)

TransUnion, I was a victim of identity theft and there's 2 unauthorized hard credit inquiries that are not mine and fraudulent XXXX XXXX XXXX XXXX XXXX XXXX Please have these removed immediately as they are damaging my ability to obtain credit.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I received two emails from Capital One stating that I had been approved for a XXXX XXXX XXXX card and that my phone number had been updated. I never applied for a card from Capital One. I created an account using my SSN and found that it was registered to a phone number that was not mine. I called Capital One and they canceled the account and opened an investigation. 

Today ( XXXX ) I received three emails from XXXX. One email said that my XXXX credit card was approved. Another said that I had updated my phone number to XXXX ( which is not my number ). The third email said that my XXXX Total Checking application was being reviewed. I have never applied for any sort of XXXX card or banking account. I called them and they canceled the accounts.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable. Here are among the accounts that Im referring to : XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX A ) Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account # : XXXX XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX. ) Account # : XXXX XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX I never authorized these Collection Agencies to add these items on my credit report and I demand that they must take actions on this matter accordingly and seriously and have these unfamiliar accounts be swiftly removed and taken off of my account.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (KY)

this company has violated my consumer rights and caused me and my family finincal harm because of reckless reporting of inaccurate information that they know to be false and misleading, per the fair debt collection practices act section 10006.34 requires a debt collector to provide validation that this account is mine by provide a signed contract that i agrreed to do business with this company and that i owe this aledged amount futhermore 15 usc 6802 obligation with respect to disclosures of personal information i did not give premission and opt out of any personal information be shared with anyone