davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

US Bank bought out my mortgage XX/XX/2019. They keep messing up my payments. I send automated payments from my bank. I also send additional money every month from my bank, as much/when I am capable, clearly marked principal only. US Bank kept applying the check marked principal only to both interest AND principal, and I had to call them every month, to get them to not do that even though the check is clearly marked. US Bank told me I needed to use THEIR automated system and not my banks, or I needed to go in person to a US Bank, to prevent this from happening. I told them that if a check is clearly marked " principal only '' I should not have to call them to fix it, use their online system, or go to their bank in person, to get them to apply it to " principal only ''. After several months of my having to call them every month to get them to properly apply funds clearly marked 'principal only ' to just my principal and not interest, a manager told me he found a way to fix the online system. Unfortunately his fix made it so that EVERY subsequent payment was applied to ONLY principal and thus my standard monthly mortgage payment was not being applied to the required interest and I was being marked as late. Thus, I had to keep calling every month to get them to note my monthly mortgage payments were in fact received ( despite being 10s of thousands of dollars ahead in payment ). I am again told my only solutions are to go to US Banks in person, or to use the US Bank online system and not my own bank. I have wasted 1-2 hours of my life, and stress, every single month since US Bank took over my loan in XX/XX/2019. I wish they did not own my loan.
Consumer complaint received 2021-12-21
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: AMERICAN EXPRESS COMPANY (MD)

I had a XXXX credit limit with American Express. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay AMEx with no problems I made it a point to no be late or miss a payment In hopes I would have the extra XXXX that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from XXXX to XXXX for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! XXXX also decreased my credit limit as well all around the same exact time XX/XX/2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2019-07-18
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: Southwest Credit Systems, L.P. (OH)

Reviewed my credit report seen where there was a collection account from " Southwest Credit Systems '' for an account with XXXX or whomever it is with. 
I've never done business with XXXX or this company or ITS affiliates. 
PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS ASAP. 
I'M ALSO ATTACHING A COPY OF A POLICE REPORT RECENTLY FILED. 
THIS IS NOT MY ACCOUNT. 
SEIZE ALL COMMUNICATION EFFORTS AND REMOVE THE NEGATIVE INQUIRY EXPEDITIOUSLY
Consumer complaint received 2023-01-20
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. (TX)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX  Balance : {$630.00} ; XXXX XXXX  Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist, the old SunTrust, overnight change the way they process debits and credits. For 15 years it has always been the same and I know what nights they process and what nights they dont. They have change that with no notification to their customers so that they can bounce checks on people and charge fees. They are also now holding transfers from one SunTrust account to another which they have never done. They have always been instantaneous. This new Bank is a total mess and its causing me tremendous problems in trying to navigate the new system which they are keeping a secret from the customers.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One- I paid the entire balance off after becoming unemployed due to serious health issue then I was told I couldnt get credit on account. There was no balance at all for several months because it was paid the representative was not honest after I paid the card in full so they just wanted balance paid. 

XXXX XXXX- I paid the entire balance off after becoming unemployed due to serious health issue then I was told I couldnt get credit on account. There was no balance at all for several months because it was paid the representative was not honest after I paid the card in full so they just wanted balance paid.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2021-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Auto Finance, illegally repossessed vehicle. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the vehicle was already sold over my contract balance satisfying amount and refund due to me. Capital one refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2021, XXXX removed 2 delinquent accounts off of my credit report with them after I submitted a dispute. The dispute was with XXXX XXXX XXXX. One debt totalling XXXX dollars and the other debt totalling XXXX dollars. 
I submitted a request for a timely debt review and they never responded. 
TRANSUNION has kept these deragetory remarks on their credit report with them even after I filed XXXX disputes with them. 
I filed a letter under FAIR DEBT COLLECTION PRACTICES ACT. 
XXXX responded APPROPRIATELY. 
TRANSUNION has failed to do so and this leaves me with AN Inaccurate credit score with TransUnion every month. My XXXX credit score is always XXXX points higher than TRANSUNION. Please help me get this removed.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CA)

IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX, WA XXXX This company claiming I own debt to them which they never properly verified. I requested proper debt verification from them - but they never responded. They put a collection on my credit reports. This is fraud since they didn't verify it.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MD)

Court ordered garnishment settled and Paid in Full. MIDLAND CREDIT fails to update and delete the collection from my credit report. The total due on judgement is {$630.00}, they are reporting and updating an incorrect balance of {$240.00}.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (GA)

I have received countless phone calls and text messages after I made sure that I don't need a reminder or any type of contact on the website. I have removed that feature a month ago and still experiencing harassment from the company. Attached to this complaint will show the number of text messages and phone calls I receive within days. This company is looking for payments of {$130.00}. Making it a total of {$2600.00}
Consumer complaint received 2023-01-20
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)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 states that I, the consumer , have the right to privacy.

15 USC 1681b states a consumer reporting agency may not furnish a consumer report without my written instructions.
Consumer complaint received 2023-01-20
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. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Associates of Maui, LTD (AZ)

XXXX collections agency shows account open with XXXX balance. This account was discharged in a bankruptcy. They have harassed me for years and continue to do so. They finally acknowledge my lawyer with the bankruptcy. Now they are keeping account on my record open and have not removed it from all credit reporting agencies, like the other reputable companies. I have filed multiple disputes with XXXX to no avail. They seem to let them do what ever they want. Please help me I am XXXX and they will not leave my credit alone. They have remover it, added back at lower amounts then they add more money, constantly change my credit report for the worse.
Consumer complaint received 2023-01-20
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. (FL)

I found many inaccurate accounts listed on my credit reports that under the violate my privacy according to the Fair Credit Reporting Act under 15 USC 1681 section 602a.

Also under 15 USC 1681 section 604a : States that I have to privacy 15 USC 1681c - a5 section 2 : States that a consumer agency may not furnish any account without my written instructions.

15 USC 1681s-2 a1 : States that no consumer agency may make any consumer report containing adverse item of information about me. 

The accounts that have violated my rights are : XXXX XXXX XXXX acct # : XXXX XXXX XXXX  acct # : XXXX XXXX XXXX XXXXXXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX account # : XXXX XXXX account # : XXXX XXXX account # : XXXX XXXX  XXXX XXXX acct # : XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  acct # : XXXX
Consumer complaint received 2021-12-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX  you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Consumer complaint received 2021-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I have a amount from a credit card in collections on my credit report. I did not authorize this account to be opened and was not aware of its existence. It is a fraudulent account opened in my name when i knew nothing of credit cards or credit card debt.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American First Finance, Inc. (MI)

I WAS NEGATIVELY IMPACTED BY THE COVID 19- PANDEMIC AND I AM REQUESTING THAT YOUR COMPANY REMOVE ALL LATE PAYMENTS FROM MY CREDIT REPORT PER THE HERO ACT ( SECTION 110401 ).
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (MI)

I WAS NEGATIVELY IMPACTED BY THE COVID 19- PANDEMIC AND I AM REQUESTING THAT YOUR COMPANY REMOVE ALL LATE PAYMENTS FROM MY CREDIT REPORT PER THE HERO ACT ( SECTION 110401 ).
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted all three Credit bureaus, XXXX, Transunion, XXXX to update and correct my personal information : My correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I have never lived at : Remove these addresses XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

This is in reference to a Citi Bank Sears Credit Card. Company refuses to delete my online AND personal account information. Have received multiple explanations from Citi CSR Supervisors regarding why this cant be completed : ( Company Policy, Patriot Act, Credit Reporting Bureaus, Information Sharing ). 

Citi Bank has failed to disclose any written restrictions or limits to deleting online accounts and/or personal account information either in their User Agreement or on their website. 

This is a breach of privacy and of personal security to have this data just sitting out there on their servers for an undermined amount of time.