davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NJ)

On XX/XX/2024, I received an email from Identity Guard notifying me that a SOUTHWEST CREDIT SYSTEMS account had been added to my XXXX credit report. I received two more notifications regarding the same account being added to my XXXX and XXXX credit reports. However, I have an XXXX prepaid internet account, and it's not possible to owe money on a prepaid account. I pay {$15.00} for seven days or {$45.00} for 30 days of internet service each time I need it. 

I filed a dispute with each credit bureau immediately, and after 30 days of investigation, XXXX and XXXX removed the collection from my report. However, XXXX hasn't yet removed the collection from my report despite my repeated attempts. I have a long history of making on-time payments and have never been delinquent, and I can provide my credit reports to prove it. 

Could you please assist me with this matter?
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates is telling me I owe them {$6500.00}. This is originally from a XXXX XXXX credit card. As Ive explained umpteen times to XXXX XXXX, the entire balance is made from fraudulent transactions. I was the victim of identity theft. I DO NOT OWE THIS MONEY. I am not giving them a XXXX!
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am on a repayment plan agreement and the company ( XXXX XXXX  XXXX ) continues to report my account as negative to the credit bureau even though I have complied with the terms. When the company offered me the repayment plan after coming off of a special program that I qualified for due to Covid, they reported my credit as 120 days late even though I complied with the terms and is continuing to report my credit as 30 days late each month even though I continue to comply with the terms of the signed agreement. This deceptive practice was not explained to me before I entered this agreement. Why would you say that youre trying to help me when youre trying to ruin me at the same time.
Consumer complaint received 2024-04-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (PA)

I was awarded my home in the divorce decree. I have been attempting to fulfill the agreement to assume the VA loan since last XX/XX/XXXX. I started with XXXX  Correspondence is only via email and there is no secure portal for sensitive private information ( SPI ). I snail mailed the requested information ( organized and tabbed ). After it was received, I was assigned XXXX XXXX, who I later found out was in Purchase Department ( PD ) not the Assumptions Department ( AD ). He is very communicative and limited by this company. At least, PD had a phone number, person and secured portal with which I was able to easily upload documents We went back and forth with underwriting, constantly adding more forms- which I completed. It is clear underwriting does not know what is needed. I had to RE-send much of the information as the first department doesn't speak with the second department, or share information. After months of this, we finally get to a point that we are scheduled for settlement, and I have the Closing Disclosure for XX/XX/XXXX. Suddenly, my application was transferred back to the Assumptions Department, under the caveat that it will save me money because an assumption will cost me less. It is, in fact, an assumption. I am moved to XXXX XXXX in the AD. He claims to have none of the paperwork because - again, they don't share information. He tries to have me email my SPI because he claims his gmail is secure. I pay to snail mail EVERYTHING to him, again, and then he tells me he received it and it will take up to XXXX  days for the underwriter to review. I asked if it could be expedited given that I have been bounced around. Without notice, I am transferred back to XXXX XXXX as a Purchase and now XXXX wants me to resend everything. I called the VA and found out the required information for a VA loan assumption, and verified I have sent this information to NewRez already - several timesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit score is over XXXX - but NewRez keeps hitting it. I just received notice that my creditscore has dropped to a XXXX because every time they switch me, they hit my credit! I have been making this mortgage payment on time for the last XXXX  months, by myself. Newrez has not advised me that the Escrow Balance is currently {$3400.00}, and that money will be mailed to my ex-husband who has not paid the mortgage since XX/XX/XXXX. This was delayed due to NewRez and now IF this assumption is put in as a " purchase '' ( which is should not ) my closing costs will have increased from $ XXXX in XXXX to XXXX XXXXXXXX in XXXX. I would really appreciate some guidance, as I am so frustrated with the negligence of this company.
Consumer complaint received 2023-06-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am going through a lot of things right now mostly financial difficulties and Im trying to get back on track. Capital one called me so many times a day that I am completely overwhelmed and feel harassed that I dont even want to call them back. They fill up my voicemail on a weekly basis to the point where I miss important messages from doctors.
Consumer complaint received 2023-02-20
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: SYNCHRONY FINANCIAL (CA)

SYNCB/PAYPAL is an inquiry that is reporting on my account that I did not authorize and is fraud. I contacted XXXX multiple times to report as fraud. I called PAYPAL and they said this is not a INQUIRY from their company and is falsely reporting on my credit report. I also submitted a fraud alert on Identitytheft.org to no avail. This INQUIRY from SYNCB/PAYPAL is fraudenlent and should be removed from my XXXX credit report. No one knows where this fraudenlent INQUIRY stems from or can validate where it came from? PLEASE DELETE this inaccurate information from my credit report. The INQUIRY date reported is XX/XX/2022. The type of INQUIRY is XXXX XXXX XXXX XXXX There is also no phone number provided. During the dispute process XXXX provided me the phone number for this INQUIRY and I called PAYPAL and they said this is not there INQUIRY and they did not authorize this INQUIRY. I don't even have a PAYPAL account. PLEASE HELP!
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

Dear Sir/Madam, I moved in to XXXX XXXX Apartment Complex ( https XXXX XXXX ) in XXXX in XX/XX/2017 and since the day I moved in, I had so many issues. I filed official complaint on their website and through emails so many times. I got bedbugs and had small, weird looking bugs all over my room. They were coming in from the sink, windows and they  were everywhere. I am extremely clean person and I have XXXX for bugs. I start XXXX as soon as I see a bug. I also have XXXX XXXXXXXX. Maintenance went in to my apartment many times and sprayed and tried to terminate the bugs but they couldn't. It just affected my health as the bug sprays made me XXXX and I kept on having XXXX XXXX. Maintenance manager said as it's an old apartment complex, the pipes are very old and these bugs come in through water pipes and also through A/C filters. It's against human and consumer rights to force me to live in a such a horrible home condition. It's deceiving the consumer with nice pictures of the apartment unit and saying it's luxury and then I faced with the reality. Then I got robbed in my apartment at the end of XXXX. I also filed police report. That apartment complex is a horrible place to live in so I moved out in XXXX. The robbery affected me XXXX as I am a single woman and I could be killed if my dog didn't save my life. I don't owe this awful complex any money but they try to charge me for leaving the apartment and terminating my contract before due date. They're lucky that I didn't sue them. If I knew I'd have so many issues about cleanliness and safety, I wouldn't have moved in in the first place. So they cheated on me, misrepresented the apartment unit then tried to charge me for leaving the apartment to save my life and then sold my account to a collection agency. I would like this apartment complex to be investigated and get penalty as well as the collection agency. 

Regards, XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2018-10-24
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)

Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a breach
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/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
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am requesting that the lates be removed from my credit reports due to the inaccuracy of the reportings. Each credit bureau has a different reporting, some show payments were on time but another report shows 60days late for the same month and year. Also it shows 30, 60 then 120 days delinquent but what happened to 90?! ( Example on XXXX it shows late XXXX 30 days XXXX  60 days XXXX  120 days but on XXXX its current all XXXX except XXXX. ) T his is a clear violation of the Fair credit reporting act. Also it looks like combined information because my credit was pulled using XXXX XXXX  and there are two XXXX XXXX accounts with different account numbers opened on the same date, closed on the same date, same credit limits but different payment history. 
I also requested for this account to be closed and it wasnt closed resulting in fees and late fees. It was finally escalated in XX/XX/XXXX and closed after the complaint was handled by XXXX a member of management.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am not liable for this debt with XXXX XXXX. I do not have a contract nor have ever entered into any agreement with XXXX XXXX XXXX, furthermore they did not provide me with the original contract as requested.
Consumer complaint received 2023-11-21
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. (KS)

my information was sold and bought illegally because i was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts and hard and soft inquiries on my report as well as remove false personal information that has caused me so much harm since 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 XXXXXXXX XXXX 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 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 i have also been sued for a payday loan from online in XXXX as far as i know i have at least XXXX hard inquiries on my credit report i am unable to get loans or apts or a bank account i have to use prepaid cards for everything which has really affected my life i opened my own business tis year and i cant get a business loan to support my business i have suffered so much these past 4 years and i need this fixed please please help me get these things off my credit XXXX \o i can have my life back
Consumer complaint received 2023-11-21
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. (FL)

TRANSUNION LLC. 

You Deleted the item from my report, and then you allowed the company to report it again which is a violation of the FCRA, to prevent legal action please promptly remove the item from my credit report as it was before the item was deleted and I have records of that including but not limited to the letters of communication sent to you that resulted in the deletion of that item from my credit report. 


The item is fraud and resulted from identity theft And was deleted due to those circumstances and the investigation proves that correct. You must delete the information promptly to avoid the penalties of violating the FCRA. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (TX)

I am the Victim of Identity theft Please block and remove this account in accordance with section 605 B of the FCRA.

the account is : XXXX XXXX XXXX  {$47000.00} XX/XX/year> I have filed a Police report and a FTC report. The names on the fraudulent account is wrong as well as the address.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

First of all, I demand that XXXX and your credit reporting agency cease and desist this account. Secondly, Ive never owned an account with XXXX XXXX XXXX and you know this. Next I need to know how you verified this alleged account and balance. Then, I need documentation of me agreeing to this alleged debt. I need the agreement that grants you the right to collect this alleged debt. I need a copy of your license including license number. 

I want everything that I have asked you for in this letter within the next 10 days. 

You can not have me with a collection and an open account with a balance according to the FCRA.
Consumer complaint received 2023-11-21
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. (IL)

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  I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEARS ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Per the attached screenshot : No Account can possibly be listed as CO for Seven Consecutive Months, specifically the months of XX/XX/XXXX through XX/XX/XXXX ONLY on My Experian Report. 
XXXX Report has NO Legend Indication When the Date of Last Activity for XXXX is XX/XX/XXXX And Date of Last Activity for Experian is XX/XX/XXXX This Alleged Debt listed as A Charge Off for XXXX XXXX XXXX  account with a Balance of {$950.00} on BOTH XXXX and Experian. 
As We All Know, that's Not Possible and Considered Double Jeopardy. 

Neither XXXX or Experian Reports Include Any Accuracy for this Account. 
Both XXXX and Experian have Made Errors to My Consumer Reports that are Extremely Harmful to My Character, Creditworthiness and Ability to obtain further Credit. 
Was this Account Closed Due to Inactivity or Was it Charged Off as A Bad Debt or Was It Canceled by thr Cresit Grantor or Was it Reported as A Loss by the Credit Grantor?

Because all those Comnents are listed and All those Comments are not True and Accurate. 
Both XXXX and Experian are Violating Consumer Laws with the Laundry list of Errors and Misrepresented Line items on this account.
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (SC)

We purchased a home in XX/XX/XXXX and financed the home through US Bank. In XX/XX/XXXX we refinanced the home through US Bank. Every year US Bank fails to document the insurance we have for our home. It takes several phone calls, emails and letters. Every year. It just feels like a scam. 

This year they finally did it. They sent us a bill for {$8200.00} for mortgage insurance saying they never received a copy of the policy. Their letter is dated XX/XX/XXXX. We placed our Flood insurance at the end of XX/XX/XXXX through our insurance agent at XXXX XXXX XXXX. They confirmed they sent US Bank the required documentation by mail at the address requested. I called US Bank in early XX/XX/XXXX and was told they did receive all the necessary paperwork. On XX/XX/XXXX I received a letter indicating they had not received the paperwork. I called and got an email address and had our insurance agent email the documentation to the bank and copy me on the email. They next day I called and confirmed that US Bank had received the email. 

Today, XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX indicating that they purchased {$8200.00} in flood insurance SINCE THEY NOW CLAIM THEY NEVER RECEIVED DOCUMENTATION THAT WE HAD COVERAGE. THEY INDICATE THEY ESTABLISHED AN ESCROW ACCOUNT FOR US AND WE WILL HAVE TO MAKE ESCROW PAYMENTS TO COVER THE AMOUNT OF THE POLICY. 

This is nuts. They have no way for me to verify that they have received a copy of the policy other than to call. How am I ever supposed to trust this company? Do I have any recourse other than paying the {$8200.00}? My word against theirs? Why would I pay flood insurance twice? Nuts.
Consumer complaint received 2023-11-21
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. (IL)

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 I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEARS ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A