davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Debt collection — Other 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. (IL)

To Whom It May Concern, This Company who had previously been operating as XXXX XXXX and Now operating as SouthWest Credit Systems both collecting for previously XXXX and now apparently, XXXX has taken it upon themselves to re-vive a resolved and removed item from XXXX of XXXX. 

The item was closed and resolved here. It is file number XXXX They have since afreshed the file and placed it once again on my credit file causing my XXXX XXXX to XXXX XXXX points in a little XXXX XXXX XXXX 

They replaced this item on my credit report last month out of the blue sky. They are fallaciously showing that I opened this account in XXXX of XXXX to make it seem as if the debt is current. This is awful. 

This company, whoever they are operating as, uses underhanded tactics in efforts to try and collect old debt from customers. They harmfully go after a consumers credit file as they know that is most damaging. 

And they have become awfully familiar in doing so. 

Below are just the copy/paste details of this matter from XXXX of 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
Consumer complaint received 2023-02-03
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. (TX)

It is a violation for credit reporting agents to report inaccurate information and I have requested a re-investigation for creditor XXXX XXXX XXXX XXXX but this account is still being reported with incorrect and unverified payment history and account activity dates. This account shows obvious inconsistent incorrect payment history but the reporting agent ( s ) are still reporting inaccurate information after confirmed the account was verify. If the creditor will not verify by sending billing statements, itemize billing and payment history to be accurate and that all account required dates to be correct, please cease this account from my credit reports because of nonfactual unethical reporting.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

It is the consumer reporting agencies to report accurate information on a consumers report. I took a look at my reports and saw that the credit bureaus are reporting a payment was captured XXXX of XXXX but both bureaus are also stating that the last payment date as XX/XX/XXXX and the account is current. How is this possible? It is illegal to report inaccurate information and I am requesting that this late payment remark is removed.
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (OK)

I have a mortgage with Midland Mortgage and I have two offers. I have sent that info to Midland Mortgage. And yet I have not received anything. I also have a complaint about the XXXX that Hud sent Midland Mortgage to apply to my loan that was NEVER applied..I have not received anything about that. It has. I have been told that insurance is being paid twice a year and taxes are paid more than once a year. I seriously do not understand these charges that I am not aware off. And when asked I get no answers. I need a print out of the interest that has accured and also the insurance payments and the tax payments. I have yet to receive anything and when I call no one has a clue I am talking to the wrong dept. This mortgage company has alot of explaining I believe these are bogus charges. My insurance has NEVER changed. Paid once a yr and the insurance is less than XXXX a yr and also the taxes is less than XXXX a yr. They are saying they paid $ XXXX in insurance and taxes. Show me! Why is it taking Midland Mortgage so long to send me the proof and info. This Mortgage company is a scam and a fraud. I need answers. I am trying to sell the house to get away from this Mortgage company and it's scam..the government needs to looks into this company.
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TekCollect Inc. (FL)

TeK Collect are a 3rd party collection company ( purchased debt from doctor ) for A duplicate service. I had a series of tests conducted by the subject doctor over a period of time including a DUPLICATE TEST that was charged to my Insurance company that REJECTED the billing as being a DUPLICATE TEST! The doctor waited 6+ months before sending me a bill for the DUPLICATE TEST rejected by the insurance. I contacted the Doctor 's office explaining the XXXX [ XXXX XXXX, in error ... during the beginning of the 2nd test I pointed out to the technician that I felt this was a DUPLICATE TEST FOR WHICH SHE RESEARCHED THE RECORDS AND CONFIRMED THE DUPLICATION... but stated since she had already started the test she would procede to complete the test... not to worry! 
The 3rd party COLLECTION AGENCY = TEK COLLECT INC ignored my DISPUTE and reported the so-called DEBT to the CREDIT BUREAUS which have posted a NEGATIVE 'DEBT COLLECTION '' on my file ... resulting in negatively impacting my application for a MORTGAGE to purchase a home. In addition I sent a CEASE & DESIST letter to TEK COLLECT with c/c to all THREE CRDIT BUREAUS. 
In addition I filed a DISPUTE with XXXX which has taken the side of TEK COLLECT ( a PAYING member ) in their attempts to collect the so-called DENT = DUPLICATE TEST BILLING rejected by my insurance company as well as myself!
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I opened US Bank account since they had a bonus offer to earn {$400.00} when your direct deposits total {$6000.00} or more in XXXX days. I have confirmation emails from us bank for this. I had set up a direct deposit with my employer with this bank account. On XX/XX/XXXX when I logged into us bank website to check whether my paycheck has arrived, the website did not show my bank account which was surprising. Upon calling customer service, I was subject to XXXX behaviour and was told that my bank account was closed on XX/XX/XXXX. When I tried to ask the reason for closure the customer service agent XXXX told me that she wont be able to provide a valid reason as its against their policy and that she does not understand how people coming to US from other countries are able to successfully open a bank account in the US. I was shocked to see the lack of training and the lack of basic ethics in this representative. No empathy, no understanding of the situation that I would now have to hassle around with my employer because the dd deposit will not arrive in time. I was never notified via email or mail that the account is closed. To top it, I had to hear a XXXX comment about how outsiders are able to open a bank account in the US. This was just not a perfect way to start my morning. However I researched on the internet and checked online about the numerous XXXX behaviour complaints against US Bank and then I wasn't surprised about what had happened. I am not sure whether this would be read or acted upon but I still felt that this kind of behaviour wasn't necessary and should not be repeated so I am writing this complaint.
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: Experian Information Solutions Inc. (MD)

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

To whom it XXXX concern : I need to report a company Name XXXX XXXX  in Alabama. They tried to charge my checking account in the amount of {$200.00}, the charge didnt go thru because they used an invalid expiration date. The issue is that they have done this to many other people that like me never solicit their services. I am attaching copies of this company reviews where other people complaint about the same issue. 

I haven't contacted the company that tried to charge my bank account because their transaction was declined and no funds withdrew from my checking account. The purpose of this complaint is to report : XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX Tel : XXXX XXXX Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (NY)

I have received your 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 attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 


I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2022, I was admitted to the XXXX XXXX XXXX XXXX XXXX resulting from a XXXX XXXX While under their care, my wallet ( containing my Navy Federal Credit Union access number ) and personal belongings were out of my possession. When I was discharged ( XX/XX/XXXX ), I saw that someone had forged my signature on the discharge papers and even spelled my name wrong. It was not a family member because the hospital did not allow any family members to visit me. My daughter brought a change of clothes to the hospital but had to hand them off to a security guard who gave them to me and the security guard had to escort me to the car to go home. On XX/XX/XXXX, my wife discovered that our Navy Federal Money Market and savings accounts were empty and they told her that I had withdrawn the money online, but I do not bank online. We filed a fraud claim with the credit union, contacted our other bank ( XXXX XXXX XXXX XXXX XXXX credit cards and learned all of our joint accounts were maxed out or depleated. I filed a report with XXXX XXXX Police, fraud report with XXXX, XXXX 'XXXX XXXX XXXX, as well as identity theft fraud report with Social Security, the FBI, and the XXXX XXXX XXXX I have also received numerous notifications of credit denials ranging from {$20000.00} to {$70000.00} from all over the country which I did not apply for. One of them was from XXXX and I informed them that I am not a member and did not apply for it and to mark it as fraud. I notified all 3 credit agencies and had my credit score/report frozen. I continued to receive credit cards in the mail ( which I did not apply for ) with credit limits up to {$5000.00}. I have contacted all financial institutions reporting the fraud and shredded the cards without activating them. Every financial institution involved has been very helpful in working to resolve this issue except Navy Federal Credit Union. The branch manager ( XXXX, VA XXXX, XXXX XXXX, was very rude. He even told me that even though the bank found some of the money from our joint account ( {$5500.00} ) and the claim was valid, Navy Federal would not return the money to our account, but we could still continue to bank with them. XXXX XXXX told us that the funds were unavailable, despite the letter from Navy Federal that I received stating that the {$5500.00} would be returned to our account. Thank you for your attention and help in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by GM financial to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and GM fininacial refuses to give me updated information.
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on This agency is in violation of 15 USC 91692g. They were to notify me of this in writing 5 days prior, I was not notitied. As the original creditor. only I can validate this debt. I do not validate this debt. Therefore. the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Reporting Act [ 15 USC {$1600.00} ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC {$1600.00} ( g ), " credit card is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes vour social security card, driver 's license ID, and license plate credit cards that are were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards Consumer credit agent XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

I was told my account was past due with XXXX. I called when I got my first letter from nelnet and over the phone on XX/XX/XXXX made my account current And set up automatic payments going forward. 

XXXX failed to process both my initial payment and my automatic payments and never notified me that it remained delinquent. After a month they transferred my loan without giving me notice. 

When I called XXXX they had difficulty finding the XXXX in payments I made despite my having the verification codes of these payments and proof theyd been deducted from my bank account. 

My account remains in default- hurting my credit. They want me to pay all over again but I dont feel comfortable sending more money to a company that cant find the first money I sent. It was never returned to my account. When I asked why it never processed they said some payments could take months to process. How can an account be marked past due when their payment process is the reason a payment is late. I now have additional interest on this loan and my score keeps going down. I made these payments in XXXX. They transferred my loan end of XXXX. They said the new loan company should have my XXXX payment. I called and they do not. Nor do they have any indication that it will be coming. Im currently fighting with my bank to get the payment marked fraudulent so I can get the money back and make my loans current. XXXX refuses to refund me or provide a receipt on their end that that money was transferred to the new loan holder. 

XXXX needs to fix my credit score And refund me the interest and original payments at Minimum.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (AK)

Chase bank accepted false identity to open an account in my name I didn't open it authorize opening account a money wired was sent to me from my aunt she was executor of grandparents estate she wired {$20000.00} to me to this account she said she received the banking information via text from my phone I did NOT TEXT HER.in an investigation a deputy in XXXX XXXX XXXX XXXX located the woman who opened account and had a debit card in my name verified that she did this but concluded that this is a XXXX crime and I needed to report to my local police that this woman didn't commit a crime? The delays and mis information have put XXXX  months hold up in locating where my money went. {$16000.00} was drained when XXXX froze account. I have received XXXX  from chase who allowed this to happen they are not assisting me in any way only adding to delays for example sending me initial report documents in the woman who stole my identity document were addressed to her and her name as the victim. Understanding that time is important in resolving this I have had XXXX  months of phone calls not returned, nobody trying to help me or work on my behalf I am the victim I am a single parent this has caused me financial hardship and major stress. Nobody seems to care that {$20000.00} has been stolen from me.
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

I am XXXX XXXX and my wife is XXXX XXXX. We bought a property at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida. We lost our property in a court procedure on XX/XX/XXXX. The bank that was in charge of the mortgage was XXXX XXXX. We summited all the documents required by them about this property. Eventually, XXXX merged with Freedom Mortgage. This property was paid in full by XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. ( XXXX ) XXXX XXXX and email : XXXX. After several calls with Freedom Mortgage and sending them the pay off documents, they still insisting on payment on the property loan. Instead of reviewing the documents that I sent to their litigation department they rather call almost every week to insist on payment.