davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

Collection Agency : Southwest Credit Original Lender : XXXX XXXX XXXX XXXX XXXX ) Date Assigned to Collection Agency : XX/XX/XXXX Amount owed {$360.00} ***I have disputed this account with XXXX XXXX XXXX and XXXX previously. All disputes came back as the debt is verified as mine. I have called XXXX. XXXX has no record of me either previously or currently owing any debt to them. On XX/XX/XXXX, I spent over an hour on the phone with XXXX. XXXX shows no record of me owing this to their Roadside, Membership, Insurance department, this was also investigated by a XXXX  XXXX who was not able to return any information for this debt. XXXX further says that they do not use Southwest Credit as their collection agency and only uses XXXX for collections, and that this debt must have been sold to Southwest. I requested for XXXX to send/email me this information, that they have no record of me ever owing them. I requested this so that I could send it to the collection agencies to have this debt deleted. XXXX states they would not be able to provide me with a letter stating this. XXXX states they need more information on the debt and suggests that I call XXXX to collect more information and then to call XXXX back with this information so they can research it further. I told the representative at XXXX that it seems they are wanting me to provide proof that I owe this when the burden of proof should be on their company since they are listed as the lender for this debt on my credit reports. 

***I called XXXX XXXX XX/XX/XXXX. XXXX says they have no record of any debt assigned to my name and that they do not sell their accounts from XXXX and suggests I call XXXX for this issue. 

***I called Southwest Credit on XX/XX/XXXX. Southwest was only able to provide a file number, amount owed and date of delinquency and asked how I would like to pay the amount owed. Southwest states they do not have any further information to provide. The representative also states that XXXX does use Southwest for collections and that he is not sure why XXXX would say they do not use their company. The rep at Southwest then referred me to their XXXX XXXX department where I could leave a voicemail for someone to contact me regarding this debt. I did leave that voicemail.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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. (FL)

In accordance with the Fair Credit Reporting act, 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. 
secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Inaccurate information on my credit report on accounts i have, some in good standings and others wrong amount reported. 
XXXX, XXXX XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here.
Consumer complaint received 2020-12-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust decided not to do business with me after months of opening the account then closed the account without any real reason. In doing so they have are holding a cleared check in the amount of XXXX ( # XXXX ). They claim that I now have to recall a cleared check and that I have to go after a customer that the funds were already taken from his account to get my money back. This is absurd. I have almost lost my apt , warehouse, phones, and an employee because of this mess. I have called SunTrust 20 times with the same results and no clear reason they closed my account. They sent a check for XXXX dollar but refuse to send the {$4300.00}. I'm at a loss and this has really put me in a bind financially and this bank could care less. Customer service is a mess, never again will I use a Suntrust bank.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander Consumer USA, delayed processing a payment on my XXXX XXXX by holding the check for 18 days. I issued a stop payment on the check and then Santander Consumer USA proceeded to process the check as a Direct Debit. Then to make matters worse, Santander Consumer USA then failed to tell me the payment had already been processed leading me to make an ACH payment to cover the lost check ( which they had in their possession ). I went to Santander Consumer USA, ask about a lost check, and was told to wait four days before taking any action. I did, still no payment processed, posted, or returned by Post Office. Other issues have arisen including taking some 5 months to receive a title.
Consumer complaint received 2020-12-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

In XX/XX/2020 I applied for a refi with XXXX XXXX NMLS XXXX with Amerisave. While working with him I was told to put a deposit down for an application fee that would cover the appraisal. I briefly reviewed a 37 page document that was somewhat overwhelming. Since going through appraisal process I have decided to go with another lender that is requesting a transfer of the appraisal that I paid for. Amerisave deceptively places a document in their paperwork stating that the {$500.00} fee is non refundable when I understood it to be the appraisal fee. Now this is placing a financial hardship on my family to cover the cost of another appraisal of {$500.00}. All I am asking is that Amerisave release the appraisal that I paid for to my new lender.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2020-12-30
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NC)

On XXXX XXXX, 2020, a withdrawal of {$100.00} from my checking account occurred per Barclaycard US. I did not authorize this transaction and it is not noted on my online activity statement. I contacted Barclaycard who gave me a Case ID number of XXXX and informed to get proof from my bank showing the withdrawal. This information was faxed on XX/XX/2020 to the number provided. I received a letter dated XX/XX/XXXX from Barclay indicating a provisional credit of {$100.00} was placed on my credit card account. However, the letter also requested additional information such as proof of payment ( cashed check, money order receipt ). Unsure of what additional information I could provide, I contacted Barclay again and was informed that the fax was received and I did not need to send anything else. I received a letter on XX/XX/2020 - dated the XXXX - that the provisional credit was removed as I did not send the required proof requested which required me to make an additional payment, though I paid over the minimum prior to the due date. I contacted Barclay again on the XX/XX/XXXX and was informed that this could not have occurred without my authorization. I was told I would speak with a specialist and was then placed on hold for over 1 hour to speak to someone again. 

I am filing this complaint because I am being ignored by the Barclay for a transaction that I did not authorize. I do not know what more I can do on my end as I have submitted the evidence needed. 

First, my monthly payment was over {$250.00} at that time. So, I would not make a random {$100.00} payment. 

Second, there is no activity on my statement showing an authorized payment of {$100.00} and that this payment was credited to my account. 

Third, I have the transaction statement from my bank showing that Barclaycard US removed {$100.00} on XXXX XXXX, 2020, along with the fax confirmation form. 

Finally, if I did authorize the payment, why is it not on my account? Why was it removed?
Consumer complaint received 2020-03-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$0.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNTS -- 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2020-12-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Errors from XXXX XXXX XXXX  are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.
Consumer complaint received 2020-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

At about XXXX : XXXX  today ( XX/XX/2019 ), I pull a credit report showing some accounts that I have no knowledge about.An account at Discover bank with account number XXXX ...., were opened by someone with my information fraudulently. 
My friends as well as legal consultants advised me to file a CFPB complaint. So I request your investigation to the mentioned credit card. Thank for your support
Consumer complaint received 2020-03-06
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 — Investigation took more than 30 days
Company: First Associates Loan Servicing LLC (OH)

XXXX  has been reporting the Peaks private loan on my credit report for a number of years. I filed a dispute claim in XX/XX/XXXX and was never made aware of the results. At which time I reached out to Peaks by phone and by email trying to get the loan off my credit because of the scandal they were involved in with XXXX XXXX XXXX. I never received an email or call back concerning this matter. Their reporting almost did not allow me to purchase a home for my family. Now I am being relocated for my job and I have to deal with this again. XXXX  keeps reporting the Peaks loan. I disputed the loan in XX/XX/XXXX and they reported the findings as accurate and that was all that was said. I tried to contact Peaks again with no response to inquiry about my account. The Peaks website even states about forgiving the XXXX XXXX loans and I have filled out the forms for that twice and have yet to get any response. Both in XXXX and again in XXXX. Their reporting is doing irreparable damage to my credit report and not allowing me to obtain funding for housing, so that I can move to my new job location in another state. Every time I pull my credit report this loan does not show up on the report. However, every time a creditor pulls my report it shows up every time.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AFNI INC. (TX)

there is an inquiry on my credit report from a companythat i dont recognize and they did not have my written consent to do so and are in violation of 15usc 1681b afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Errors from XXXX XXXX XXXX are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On Friday, XX/XX/XXXX, I met with my banker at XXXX XXXX 's XXXX XXXX ( XXXX ) to discuss the sudden and unexpected closure of my Home Equity Line of Credit ( HELOC ), which I was using in the process of selling my current home and buying another. At that time, the employee, XXXX XXXX, was unable to access my TransUnion credit score, although TransUnion was the agency that had flagged my account. 
On Friday afternoon, XX/XX/XXXX, I spoke to XXXX at TransUnion, who told me that I was locked out of my account due to an error code 219, which occurred because TransUnion still had my account merged with my ex-spouse 's account under my married name, despite my having been divorced for seven years. XXXX informed me that I would need to send at least two forms of documentation via US mail to TransUnion, and at that point, I would be able to access my account after it was unlocked within five business days. I immediately sent the documentation. 
In the interim, I had filed a dispute with XXXX  and XXXX  regarding the inaccurate information filed by XXXX and XXXX XXXX  that shut down my HELOC and caused my credit score to plummet 200 points from XXXX to XXXX according to those two credit agencies. However, I was unable to access my TransUnion account, so I was informed by an unnamed representative at that agency that I would need to file my report verbally, so I did so. 
After this time, TransUnion reported receiving my information on XX/XX/XXXX, so I called again five business days later when I still denied a copy of my credit report. I was told by XXXX XXXX on XX/XX/XXXX that I could not access my account while I had a dispute on file. I replied that I had no idea what this unnamed representative had actually filed because it was verbal, so I needed to see the contents of the report, as well as submit substantiating evidence. Ms. XXXX was unable to help me in this matter, and then referred me to the special handling department. 
I contacted XXXX XXXX in the special handling department on XX/XX/XXXX, who would neither give me my credit score nor my report. She told me that the only way I could send substantiating evidence at this time was to mail all documents to the same address I was directed to by XXXX nearly two weeks before. I have now done so, but have been told that I can neither see my credit score nor my report until after the dispute is settled on XX/XX/XXXX. 
I understand that it is my right as a consumer to see my credit score, especially when a reporting agency is responsible for having caused a denial of credit, a lockout of existing credit, extreme financial difficulties in buying and selling properties, and time lost from work because of their reporting. How can I fight what I can not see? 
I hope that you are able to help me with this extremely frustrating and time-consuming matter. 
With Thanks, XXXX XXXX
Consumer complaint received 2020-03-06
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-30
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. (FL)

Errors from XXXX  XXXX XXXX are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.