davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

In XX/XX/2023 I received a telephone call from Southwest Creditors regarding a debt owed to XXXX in the amount of {$150.00}. Immediately following this phone call because I had never received written notification of this debt and therefore did not feel comfortable making any payment via phone, I went on to Southwest Creditors website, located my account and selected the option to pay off debt in three monthly installments to be automatically debited from my checking account. The first payment was made on date of arrangement being XXXX, with subsequent payments to be withdrawn on XXXX, and XXXX. As of the date of this complaint ( XXXX ) there is one payment owed which is the final payment of {$50.00} which is scheduled to come out of my account on XXXX. 

As of XXXX I received an alert from Credit Karma advising that there had been new activity on my XXXX XXXX Credit Report, in viewing my report I found that Southwest Credit had recently reported this as an open collections item to XXXX XXXX all while knowing that I had an active agreement which I never defaulted in and at time of reporting there was only one payment owed.

Additionally I would like to add that after entering this payment arrangement I continued to receive calls from Southwest Credit requesting payment of {$150.00}, which at that time was not the true amount owed. On each occurrence I would have to advise that I have an active payment arrangement which I had not defaulted in. At least one Representative of Southwest Creditors advised that regardless of the arrangement being made via there online portal they are unable to see it on their end. It was not until I threatened to file a complaint did the calls stop.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (FL)

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my XXXX, XXXX and Trans Union credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.
Consumer complaint received 2023-05-05
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. (TX)

Experian, XXXX XXXX XXXX has all types of different names on my account. previous addresses that I did not give authorization or consent for them to report to my credit. As a consumer this is violating me and my personal information. I demand for Experian, XXXX and XXXX to delete ALL MY PERSONAL INFORMATION.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KY)

XXXX  I was a loyal customer of Chime bank 3+ years. I used my account for saving and checking as I would with any other bank. During the Pandemic I started receiving my Unemployment benefits via my Chime account ( it was my only account ) I used it for everything day to day. XX/XX/2020 Chime put a freeze on my accounts. I Reached out to Chime Via phone and Email. I was advised that I may have a been a victim of Fraud and was asked to send in Documentation. I promptly sent the necessary documents I was instructed to -to no Avail. Each time after Was asked to send in something different and I did. Each time I was given a new " reason '' as to why my funds were still frozen. Now 3 years later and still pushing to get my accounts unfrozen, Chime has offered me NOTHING. No call back My funds both checking ( {$9000.00} ) and Savings ( {$2300.00} ) have yet to be released to me. I've called almost every week and keep getting " someone will be InTouch ''. No one has called or responded to my complaints.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (GA)

As I have been reading the FAIR CREDIT REPORTING ACT 15 USC 1681 section 602 a clearly states, there is a need to insure that consumer reporting agencies exercise their main responsibilities with impartiality, fairness, and must respect for the consumers right to privacy. 
XXXX, XXXX are consumer reporting agencies and I am a consumer thats the first thing .and I have the right to make my information is private and isnt just. Which is also backed by 15 USC 6801 clearly states its the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality and now I will also place laws on here that cover me as well.

( Furnisher of information to credit agencies ) 15 USC 1681 section 604 ( a ) section 2 and subsection ( c ) also 15 USC 6802 ( b ) ( c ) And 15 USC 1681C ( a ) ( 5 ) expect as authorized under subsection ( b ) 15 U.S Code 1681 s-2 ( A ) ( 1 ) Also 15 U.S Code 1681e and 1681c, 1681b Because XXXX and XXXX are not maintaining reasonable procedures and also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time so I AM OPTING OUT OF YOUR REPORTING SERVICES!!!!
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC (MD)

THIS IS NOT A REPEAT DISPUTE!!!!!! I WAS SUED BY SECURITY CREDIT SERVICES LLC ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX. I WAS NEVER PROPERLY SERVED IN EITHER CASE!!! I HAVE ATTACHED THE COURT DOCUMENTS THAT FURTHER VALIDATES MY CLAIM!!!! 

CONSUMER FINANCIAL PROTECTION BUREAU ; DO YOUR JOB AND ENFORCE THE LAWS I HAVE PRESENTED BEFORE YOU!!!! 

SECURITY CREDIT SERVICES IS VIOLATING MY CONSUMER RIGHTS. Per 15 USC 1681e ( b ) Accuracy of report, SECURITY CREDIT SERVICES sued me on XX/XX/XXXX and again on XX/XX/XXXX in the amount of {$12000.00} and they did NOT report it to any of the credit reporting agencies, as they were supposed to do. Not to mention, I was NEVER SERVED with the proper documentation that would inform me of a court date. The nature of those negligent actions caused for all of my credit files to have numerous inaccuracies on all of my credit reporting agency files. SECURITY CREDIT SERVICES also violated 15 USC 1681 ( b ) s-2 ), and 15 USC 1681 ( c ). This tradeline needs to removed from my credit file because it out of the State of Maryland statutory limit on collecting a debt, which is 3 years. This debt was charged-off in XX/XX/XXXX. And this debt was opened on XX/XX/XXXX ; it is AFTER the LEGAL STATUTORY TIME LIMIT to collect a debt. SECURITY CREDIT SERVICES is not legally contacting and collecting on a debt that NEVER ORIGINATED with SECURITY CREDIT SERVICES. This is another violation, UCC 3-203 Transfer of Instrument. This is another violation that SECURITY CREDIT SERVICES is committing against my consumer rights and creating a financial hardship on me. The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the FCRA and the FDCPA rules against rogue entities acting on their own behalf instead of within the guidelines that they are suppose to follow within the CFPB. 

THE CONSUMER FINANCIAL PROTECTION IS NOW BEING PUT ON NOTICE THAT IF THEY DO NOT HANDLE THEIR FIDUCIARY DUTY AND ENFORCE THE LAWS THAT I AM PRESENTING TO FURTHER VALIDATE MY CLAIMS THE CONSUMER FINANCIAL PROTECTION BUREAU WILL HAVE SANCTIONS FILED AGAINST THEM FOR NON-COMPLIANCE OF THE LAW.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (GA)

I was looking over my report because my score went from XXXX to XXXX as i looked deeper it appears some hard inquiries that i did not authorize I have a two hard inquiries that i did not apply for or authorize AMEX and XXXX XXXX XXXX
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MI)

Been making regular payment to US Bank. Usually more than minimum required, but the minimum required payment keeps going up. When I called them, all they wanted to talk about was the interest charges. I told them I understood interest, I wanted to know why monthly required about kept increasing. When I asked about some relief on this account because of limited income, they referred me to a credit counselor. They did not want to discuss my problem.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Westlake Services, LLC (DE)

Upon checking my credit report. I found many inaccuracies. One being a phone bill collection. Contacted the company and was threatened to be arrested and talked down to about a debt that is not mine. I asked for original documents on the phone multiple documents with. Signature and received nothing
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX Balance : {$160.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau (UT)

Knights adjustment continue to send these debts to a business XXXX XXXX that has been dissolved in the state of Utah. It is a non collectible debt. Additionally, all members of the XXXX are dissolved from the business. The debt occurred due to fraud and identity theft. Secondly, there is no itemized statement of what XXXX XXXX is being charged for and Utahs statute of limitations in regards to this.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (PA)

I XXXX XXXX  currently have fraudulent inquiries appearing on my Equifax report. 

XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-12-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (MD)

The contact person is XXXX XXXX XXXX, and XXXX XXXX. 
My home went into foreclosure, The amount of approximately XXXX was paid. I have performed to the contract. I also have personal knowledge of the transaction. I requested a cancelled check, or any documentation verifying, that the amount contained on the promissory note, etc. was withdrawn from the bank 's reserves, and not, I repeat and not given to us, my wife and I as a loan that was generated by us through our signatures. I request a sworn affidavit under the penalty of perjury, of the facts. the wet signature of the original promissory note. The claim presented to the insurance companies and the satisfaction paid to the mortgage company when the foreclosure was filed. We also request a sworn affidavit of the movement of the promissory note, ( security ) who sold it, who it was sold to, and the proceeds generated. Also, why have not my wife received any proceeds, as we are a third party investor. Is it not our promissory note? I request copies of the 1099A,1099C 1096, IRS forms , and the 1066. I requested the XXXX reports, to verify, that asset backed securities 2006-1 is not contraband. That it was actually entered in the trust. A sworn affidavit, that we sat down, had a meeting of the minds, agreed on the terms of us " funding this ourselves and paying the alleged mortgage company for a loan that never was. If this can not be agreed upon in the requested sworn affidavits, on the market deliberately held from us as 3rd party investors. I also sent a security to the Trustee indenture, XXXX XXXX that was kept, XXXX XXXX XXXX, the securities in the form of presentments, that were sent to XXXX XXXX, that have yet to be returned. No instruments were credited to the account. I demand you investigate them for fraud, XXXX, Money laundering, unjust enrichment, financial conspiracy. They know exactly what they are doing. They have declined every form of discharge, even though just like all mortgages, satisfied at closing.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) has violated several of my rights 15 U.S.C. 1681 Section 602 A. Clearly state that 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I paid my balance off on from XXXX XXXX and was charged {$98.00} in interest that should be waived. I called and spoke to a supervisor on XX/XX/2024 and they stated that they could not waive any amount of the charge and refused to allow me to speak to anyone else about the charges. They said there was no one above them and that they were the only person I could talk to. I asked for them to send an email and for some one to contact me and they said there was no one they could send an email to and encouraged me to call back to verify that they were telling the truthHow could there not be another person to get help? 

Capital One, why do you make it so difficult to find a contact phone number on your own website? I searched and reviewed the contact us and help section and its as if you purposefully hide any information that would allow a customer to contact you by phone. 

I was not able to locate a contact number on your webpage for my Sparks business account. Please provide details on where this information is located on your website where a customer such as my self could easily locate it. 

Please waive the {$98.00} interest fee. It is costing more money to pay for the employees systems and usage than the {$98.00}. I have never had a fee waived that wasnt Capital One mistake.
Consumer complaint received 2023-03-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023, but I never received a response from them. The account must be validated to prevent errors in reporting my credit report. 

Please validate the listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (TX)

Received a collection letter from Frost-Arnett collection agency stating I owe XXXX XXXX XXXX account XXXX XXXX {$84.00} ( Reference XXXX. I do not know what this bill is for and have received nothing outside of this collection notice from XXXX XXXX XXXX. 

There are XXXX XXXX reviews for XXXX XXXX XXXX online all stating billing issues with this entity or being billed by this provider without having ever been a patient. An investigation into this organization/provider seems necessary.
Consumer complaint received 2023-12-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (FL)

I purchased a car from CarMax XXXX in XXXX of XXXX. I have faithfully made my payments the entire time I've had my car. This is despite being without employment for 8 months during the pandemic, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at least twice due to complication relative to lifelong medical issues, among other challenges. 

In XXXX, I believe around XXXX, I was about a week or two late on my payment, but made my payment. Since that time, however, Carmax has continued to impose late fees, and count me as " missing a payment. '' They have called me nonstop from a variety of numbers owned by their company. I have called them and let them know I am not delinquent on payments and furthermore, often times pay more than what is due. 

Now, over the past few months, not only have they insisted I am " missing a payment, '' they continue to call several times a day, and have reported to the credit bureau that I am in " default '' on my loan. I am literally living hand to mouth because of XXXX XXXX challenges, and I work very hard to keep up, so I don't appreciate the late fees continuing to be imposed, much less the alleged " default '' being reported on my credit. That to me is downright despicable, especially looking at my payment history from the get-go. I will never EVER purchase a car from Carmax again. I think it's disgusting that a company would willingly set out to destroy a person over ONE late payment, and especially right now in this economic climate. That is very poor business.