davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TN)

Southwest Credit Systems has been attempting to collect an amount of {$84.00} for the past month and has now negatively impacted my credit by reporting a delinquency to the credit bureaus. I did not receive any calls, emails, or mail about it -- I learned about this from a credit monitoring agency. I called Southwest because I could not tell what this debt was for or who was claiming I owed it. They told me it was from XXXX for a charge from 2015. Apparently both they and XXXX were mailing information to the old address where I used to live and received the service but have not lived since 2015. I was never delinquent on a bill so I don't know where this is coming from. I have not seen any mailings informing me of this debt, and I do not think I have received any calls because no one has left a message. 

Southwest mentioned -- and I do remember -- that a couple years ago, a different collection agency attempted to collect some XXXX-related debt from me, though I do not remember the details from that event. I believe I filed a complaint at the time because I similarly did not recall being delinquent on any payment, let alone one from so long ago. 

I do not know why this has arisen and I do not know why it is suddenly an issue over three years after I moved from this address and closed out this account. I do not have any documentation because 1 ) this was from three years ago and 2 ) I closed the account because we were moving away from the address so I do not know why either Southwest or XXXX was sending me mail there, as they claimed.
Consumer complaint received 2019-08-20
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. (TX)

inaccurate information still showing on on credit report. XXXX XXXX  open on XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to meXXXX XXXX XXXX open on  XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to me.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (PA)

XX/XX/XXXX inquiry XXXX  XXXX XXXX  XX/XX/XXXX inquiry XXXX XXXX I have not applied for any credit nor did I authorize them to pull my credit and want these items deleted off my credit report.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I received a letter dated XX/XX/2018 for a debt of XXXX from Transworld Systems inc. they claimed I owed XXXX XXXX XXXX   a debt. Ive never had an account with them so Im unsure why Im getting this debt collection.
Consumer complaint received 2018-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Both XXXX and TransUnion are showing my consolidated student loans listed twice. The accounts before consolidation are still listed as open and the consolidated loan is accurately showing as open but the combination has doubled the amount of debt showed that I owe by over {$100000.00} I have contacted TransUnion several times to resolve this issue in which my student loans are showing up twice on my report. I called twice about this, never received follow up by mail, and tried to check the status of my dispute online. When I finally got into their website after receiving several " system is down '' error messages their dispute site shows no record of my dispute. It also says there is a button you can click on to submit a new dispute which is not present ( included in attachments below ). The site is inaccurate, not user-friendly, and does not even do what it says it is supposed to. I do not believe from their website or customer service options they have the slightest interest in accurately reporting my information. 

Additionally, I track my score using XXXX through my XXXX Credit card account and today my score dropped two points ( -2 ) because it shows my amount of debt increased, when in fact it decreased. The amount they even show themselves went from {$260000.00} to {$260000.00}, a decrease of {$150.00}. Given the extent of the error in the first paragraph, this may seem minor but I am trying very hard to rebuild my credit and can not fathom a situation in which someone pays off debt and their credit score goes down!!
Consumer complaint received 2022-08-09
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)

There is information that on my consumer report that is a result of Identity theft. I did not provide written permission or instructions for that identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within 4 Days from the date of the receipt of this notice. I look forward to your response. 
Thank you Sincerely, XXXX XXXX
Consumer complaint received 2018-08-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

J. P. Morgan Chase Bank failed to file a Creditor 's Claim with my late husbands Estate and collected {$1.00} XXXX on an {$870000.00} deceased 's debt. The Estate was probated in XXXX XXXX Superior Court as Probate Case Number XXXX in or about XXXX. Then, on or about XX/XX/XXXX, J. P. Morgan Chase Bank evicted yours truly, the deceased borrowers widow, from the home where Id lived 27 years, making me homeless. On XX/XX/XXXX, Chase collected {>= $1,000,000} XXXX XXXX million-eight XXXX XXXX dollars XXXX when they sold my home for more than double the original loan amount to pay off my late husband 's XXXX refinanced predatory loan amount of {$870000.00} XXXX XXXX Hundred-seventy XXXX XXXX dollars XXXX. Chase Bank knew or should have known that they were required to file a Creditor 's Claim with the Estate. They knew the Borrower was deceased. Shortly after my husband 's death, J. P. Morgan Chase filed a Lawsuit against the Estate, and dismissed the lawsuit voluntarily, soon after its filing. Therefore, Chase was fully aware that a legal debt was no longer owed to them with the demise of my late husband, the sole Borrower, particularly when no Creditors Claim had been submitted and approved.
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a summons that states I am being sued for an old credit card debt that the original company sold, and which I am unable to pay. 

I am XXXX, and my sole source of income is judgment-proof XXXX and Social Security. My XXXX is permanent, and there is no foreseeable change in my financial situation.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-08
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I Informed Transunion on XX/XX/2022 @ XXXX, after receiving my consumer report and noticed two hard inquiries I did not make personally. 
XXXX XXXX XXXX. XXXX I informed the operator I had a fraud alert on my account already, but he was not willing to delete the inquiries. I made him aware of Consumer Law section : 15 U.S Code 1602 ( j ) & 15 U.S Code 1611 ( 1 ).

I would like the items deleted and block from my consumer report immediately.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

This is my NUMEROUS 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 accounts 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 XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXdischarged Reference # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX
Consumer complaint received 2022-07-08
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. (TX)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I attempted to lift my credit freeze. Went online and was supposed to be emailed a code to verify my identity. The system never sent the email, so I called and follow the steps, when I attempted to place the date range, the automated system kept stating that I was putting in the wrong dates. 
I called and the agent acknowledge that they were having trouble with their systems. This was Friday, XX/XX/XXXX. Today is XX/XX/XXXX and it's still not working and I am about to lose out on a vehicle I am trying to purchase because my Transunion credit file is still frozen. 
Called again on XX/XX/XXXX and was told they couldn't help me. 
Please advise.
Consumer complaint received 2018-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I was told that refinancing my home would lead to a principal reduction and my new term would pay away at my principal faster. When everything was said and done, the principal amount went up and I am further behind than I was prior to the refinance. This was not explained to me thoroughly. Penny Mac has failed.
Consumer complaint received 2018-08-20
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. (DC)

I have decided to escalate this matter to the Consumer Financial Protection Bureau due to the fact XXXX XXXX has failed to update the records related to a past due account that was charged off in XX/XX/XXXX. I wrote to XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX. The account was paid in full ( {$590.00} ) on XX/XX/XXXX to the collection agency handling the account ( XXXX XXXX ). Despite my payment in full, XXXX XXXX XXXX has not updated the status of this account on my Experian report ( but has on all other credit bureaus ) to a current/paid status. Furthermore, they placed this account in charge off status on multiple occasions, including more recently in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which makes is being reported as if I continue to miss payments or I am not fully paid on this closed account. I have tried numerous attempts to dispute the current status of this account to no avail with Experian and XXXX. I am in the process of purchasing a home and this item is affecting my credit score. I notified XXXX that my dispute is related to how the account is being marked as charged off, when it should be currently marked as paid/current. I provided additional documentation regarding the payment and the dismissal of this matter which was escalated to the courts of the District of Columbia. Correcting this item is proving to be an extremely frustrating task as I continue to be passed around in circles. Please let me know what additional information you need to correctly update these records immediately to reflect the current account status. Please feel free to give me a call with any questions or concerns.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Attached data. XXXX ( as one example ) shows no payment amounts being paid when I clearly have been making payments. Monthly. Sometimes twice a month. Also, my balance is incorrect on all 3 credit bureaus which impact my credit utilization and I want to apply for a mortgage soon and I need that to be fixed. The credit card is paid off each month. It's bad enough that Capital One continues to keep my deposit and keep this as a secured card after four and a half years of consistent payments on Time payments and excellent payment history when I have a XXXXXXXX XXXX that gave me an unsecured card and increased my limit three times in one year. Why does capital one refuse to return my security deposit and make this an unsecured card? They give me no explanation and I need an explanation that is clear and accurate. I also need payments that I made to be reported accurately on time and balance has to be correct.
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. There's a derogatory item that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiry : XXXX
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AR)

XX/XX/2022 I brought a XXXX XXXX XXXX for {$800.00} dollar on XXXX XXXX I was told to load the cards take photos of my cards and receipt and load to the website by the seller I did and I received a invoice so on XX/XX/2022 The seller contact me to say that the XXXX  was on hold in custom and I would have to pay {$500.00} and would be reimburse when the XXXX  arrived I never received my XXXX  so I call serve American Express to stop the payment and was told they can't do anything until the money was taken so on XX/XX/XXXX a scammer stole XXXX XXXX I have dispute this problem twice and they just keep declineing my disputes Serve American Express is not conducting a proper investigation and just keep denying my disputes I have fax the invoice Declaration of fraud and dispute form to the and still they want give me a refund
Consumer complaint received 2022-03-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

Hi there, Im writing in regards to my loan # XXXX for property located at XXXX XXXX XXXX in XXXX, KY XXXX. 

I have multiple payments which have been incorrectly applied and this appears to be a reoccurring issue that Id like resolved and a permanent solution in place. All of my former servicers offered an automatic bi-weekly payment feature. For this, I chose the day of the week and how much Id like to pay each transfer, or each month. My regular payment is just under {$700.00}, so Id always simply round up to {$700.00} total each month, with each bi-weekly transfer being for {$350.00}. 

From my understanding with your ticket # XXXX, the only bi-weekly automatic payment is for the day code of Friday with the 3rd transfer in a month being allocated to principal. I do not agree to these terms as I simply want to make a {$350.00} payment every other week, totaling 26 payments, or 13 months

worth of payments in one years time. I also do not want the day to be on Friday.

Currently I have an automatic bill p
ay setup through my bank, where {$350.00} is electronically sent every other week. However, doing this it appears each of my payments are not correctly being applied as half payments, then after the second payment, being applied as that months payment. 

Please advise how we can accommodate my request to make bi-weekly transfers that are applied correctly, either with my bill pay payment, or with your transfer form/system. 

Thanks so much!
Consumer complaint received 2018-08-20
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Cascade Capital, LLC (MD)

On or about XX/XX/18 I make a cease and decease letter to Cascade Capital , LLC XXXX XXXX XXXX XXXX XXXX , XXXX and to XXXX XXXX XXXX, XXXX in the amount of XXXX. on XX/XX/18 a letter was drafted by XXXX XXXX XXXX XXXX XXXX. This letter was drafted after I mailed them both a cease and deceased letter explaining to them not to contact me. I do not owe Cascade Capital , LLC anything they brought this debt and my account with XXXX is closed. 

Can you please assist me further with this matter.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NV)

The company has been billing me for add-on ( debt protection ) feature I did not authorize. In XXXX of 2018, I asked the company to provide proof to validate charge or refund money. As of the writing of this complaint this has not been resolved.