davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

I am submitting this complaint because I am being extremely affected by SOUTHWEST CREDIT SYSTEMS , L.P . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I want to give SOUTHWEST CREDIT SYSTEMS , L.P . The chance to solve this matter before any legal action is taken. 

Account information : Below is the account involved : SOUTHWEST CREDIT SYSTEMS Account Number : XXXX Open dated : XXXX. 
Account Type : Collection. 
Balance : {$50.00}. 

Demand and remedy : Deletion of account from all bureaus.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violate my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B ; A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX Acc # XXXX has violate my civil rights XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B ; A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-30
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. (OH)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2019-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed several disputes complaints with XXXX, TransUnion and XXXX   complaining about the errors from credit companies are false. Incorrect dates supposedly I opened.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX. 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. These accounts are very old and should be deleted from my credit. Credit bureau will not allow me to dispute this on their website.
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NV)

On XX/XX/XXXX or XXXX I received a call from Medical Data Sys. stating I owe X dollars for hospital visits in 2021. I mentioned over the phone that I wanted to validate the debt first and I told them I asked or mentioned that I wanted to dispute. The lady I spoke to that day said she can send me something to assist me in validation process. On or around XX/XX/XXXX I sent a letter stating I dispute the debt and requested validation to medical data systems. On or around XX/XX/XXXX I received a letter and an itemized bill from MDS for two hospital visits. MDS received my request/dispute letter around that same time. On XX/XX/XXXX, I called MDS to make sure they received the letter that I sent, I believe I spoke to XXXX, she mentioned that she can not discuss the issue due to the fact that the account was in dispute. I requested a supervisor or manager and they werent available. So she said she will have a supervisor call me at their earliest convenience. On or around XX/XX/XXXX I got to talk to a supervisor who mentioned they MDS is only able to send validations twice for one account and as a courtesy of them not sending all the information requested/ needed for me to validate the item on my credit report that she would delete the item. So I allowed 45 days to pass and I checked my report again on XX/XX/XXXX, and the item was still there. Again I called on XX/XX/XXXX to inquire why the items were still there and now this supervisor XXXX said things to contradict the supervisor I previously spoke to.
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company (PA)

XXXX XXXX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I started services with the company in XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX, my bill skyrocketed to over 1200. After numerous calls, every month, to XXXX who would refer to XXXX XXXX, who would then refer me back to XXXX, I finally reached a XXXX Representative who investigated the charges. I was reimbursed by XXXX, for 11 charges to reconnect my services. XXXX then sent XXXX XXXX a reimbursement assessment of {$1000.00}, due to unauthorized charges of {$40.00} per month of Movie Channels and {$50.00} per month of a sports package that was never authorized. ( see documentation ) I spoke with XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX, who stated that the reimbursement was on file and had not been released. I ended up closing my XXXX XXXX account, as they continued to not reimburse the monthly charges, and stated that they could " only reimburse my account x 90 days ''. 

From there on out, I have had to dispute the charges over and over through XXXX XXXX, who then sold my account to a collection agency 3 times. I worked with the XXXX XXXX XXXX to have the first 2 collections removed from credit reports. As of XX/XX/XXXX, a new XXXX XXXX, XXXX XXXX, placed the collection in the amount of {$1200.00} on my credit report. I have disputed the collection and as XX/XX/XXXX, the collection still remains. 

This has been to say the least, frustrating, and I am at my wits end. This is unfair practices on behalf of XXXX XXXX and their unwillingness to remove the unauthorized charges to my account and reimburse me in the amount of {$840.00}. These collection agencies harass and threaten and most importantly ruin my credit score, that I have worked so hard to keep my credit good. 

I do n't know where else to get assistance on this, I contacted a lawyer, that was currently in a lawsuit with XXXX XXXX for unauthorized charges, however the practice is out of state. I reside in Pennsylvania.
Consumer complaint received 2015-12-17
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

XXXX/XXXX/2015 I am received a call from XXXX XXXX XXXX XXXX XXXX from the " XXXX. '' the transfer of title of my name in the name of XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me the documents to transfer title. Legitimate or fake - I do not know. 
For a very urgent request by XXXX XXXX XXXX XXXX XXXX XXXX, I am, XXXX/XXXX/2015, using " Western Union '' at XXXX o'clock XXXX minutes. I sent {$900.00} ( XXXX XXXX dollars ), but has received no receipts. 
I asked XXXX XXXX XXXX XXXX XXXX send any - any ID or other official proof of his identity, he refused under various pretexts, he demanded {$900.00} ( XXXX XXXX dollars ) more to send him money for other transactions. No one I did not get released. Sensing the hype I demanded to finish the first case of the transfer of title. XXXX XXXX refused. and disconnect the phone from the network. On XXXX/XXXX/2015 I can not reach XXXX XXXX XXXX XXXX XXXX XXXX and continue the discussion. I 'm pretty sure that is - FRAUD!
Consumer complaint received 2020-02-05
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$2100.00}, {$10000.00}, {$39000.00}, {$10000.00}, {$27000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AZ)

I was contacted in XX/XX/XXXX by mail from I.C Systems Inc. regarding an outstanding balance of {$200.00} dollars. I called them to get more information about this debt, but all they would share was the account debtor was XXXX XXXX with a balance of {$200.00}. I immediately disputed this debt and requested a itemized statement from them detailing why this amount was owed. I also informed that I requested XXXX XXXX to have this account to be closed almost 5 years ago, and up until now, this account was closed by me in good standing. The person I spoke with was not able to access this information, but ensured me that she would send it as soon as possible. I Never heard back from them, until I received and alert from XXXX XXXX that this account was reported on my credit report as of XX/XX/XXXX. 

This company has no records of why this amount exists and failed to follow up with the information I requested to establish why this account even exist after 5 years of service. Then, recklessly reported this to the credit bureau in XX/XX/XXXX, as a result, damaging my credit score, as if this account new as if I failed to currently keep my commitment.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

My loan was sold to Bayview Loan Servicing in XX/XX/XXXX. I was not notified by XXXX XXXX XXXX. My mortgage payments were coming back. Finally in XXXX I found out about Bayview. I was having trouble making my payments after XX/XX/XXXX. They offered a home loan mod. They told me not to make payments. After six months I was sent an approval package with instructions to pay the XXXX month to fund the new modification. But it had no disclosures in it. i.e. interest rate, balloon payment etc. They said I had to pay the first month by a certain date. and after that I would receive all the detail of the loan. I had the package reviewed. It was described as " Predatory Lending Practices ''. I was advised not to sign it. 
- I contacted Bayview and requested a " Deed in Lieu of '' - We started the process in XX/XX/XXXX. 
- I have not lived in the house for quite some time but have had to keep the house up and pay large electric bills for the pool as part of our agreement for me to get a Deed in Lieu. Still they did nothing- In XX/XX/XXXX, they said they were in negotiations with the XXXX lien hold for a settlement- They never return phone calls or emails. Once they said they had an agreement with the XXXX lien holder and then they didn't- Today, XX/XX/XXXX I find out from the XXXX lien holder that they never contacted them and if they had it would only take them 2-3 days to approve it- Something is n't right here. A hidden agenda. They wo n't do what they promised even though I have fulfilled my obligation, contacted the XXXX lien holder myself to get them the information they needed, yet they still are doing nothing. 
- I had to get them to hire a company to look after the house as I can not afford to take care of it anymore. They did, they broke into the house leaving damage and frightening the neighborhood. Police were called. They never even informed me they were doing this. I would have just met them at the house and opened the door for XXXX sake. 
- From the beginning with Bayview it has been predatory lending, lack of transparency or disclosure and a total disregard for others. I understand the latter means nothing to the banking industry anymore but certainly the aforementioned disregard for the law should bring someone some attention. 

All that I am asking is to receive my " Deed in Lieu of '' and the reimbursement they promised me for my expenses. I need this matter concluded with my name off of the house so that I can move forward. I am supposed to move for work but can not due to this issue still looming. I am in threat of losing my job because I wo n't relocate until this is resolved. 

Thank you,
Consumer complaint received 2016-02-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BYL Collection Services (TX)

I have received several letters from BYL Collection Services LLC about an alleged debt that I do n't owe. I requested validation of this alleged debt and received some papers that do n't show any of my personal information such as Date of birth and Social security Number. I have relayed that information to this company but they continue to send me letters to settle.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX  Has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 6048 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment or a credit card account under an open end consumer credit plan as late for any purpose Amount XXXX
Consumer complaint received 2022-04-11
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. (CA)

requested XXXX and Transunion to investigate a collection in the amount of {$150.00} from XXXX collection as the date was filed was XX/XX/2020 and being refiled a different amount XXXX times since, to damage my credit further. XXXX confirm a miss conducted by XXXX collection and removed it from my credit. Transunion without investigation forward my complaint to the collection they just change the date and amount ( both false ) and put it in my credit report as the collection agent wanted. Need TransUnion to do more diligent on the date of filing which was XX/XX/2020 and the legalities of repeated filing in a different amount so the collection company can not take advantage
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am a full class member of the XXXX XXXX XXXX lawsuit, which states that my loans be dismissed and removed from my credit report as of XX/XX/XXXX. XXXX, my loan servicer was provided the documentation for this legal requirement in XX/XX/XXXX. They have failed to comply with the lawsuit. My school loans still exist on my credit report.
Consumer complaint received 2022-08-30
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. (NJ)

To whom it may concern, 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 these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent Inquiries -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

I have never signed any contract for services with Resurgent Capital Services or any of its affiliates. I have requested a copy of the original contract with my original signature proving that I entered into an agreement with this company, Resurgent Capital Services or any of its affiliates. I haven't received a copy of this original contract showing my original signature.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2015-07-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I would like for your organization to investigate Wells Fargo online personal banking practices. 
I have XXXX loans with the bank and continue to have problems making online payments in the amount I prefer to pay when I make a late payment. Example, I want to pay the late fee and the past due payment and their online system will not let me pay this amount to bring my account current. Their system gives me a choice pay the minimum past due amount or the past due amount, late fee and current payment due now which usually is not due until later in the month. If I pay the minimum past due amount the late fee is still past due and I will incur interest and usually another late fee charge. Their system does n't let me pay what I prefer to catch up and I feel this is very unfair to the consumer. 
I 'm consistently being charged late fees in the amount of {$39.00} when I make a late payment ( never more than 30 days late ) usually within the first 5 days. The XXXX type of loans I 'm referring to are unsecured personal and consolidation loans.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (AL)

I have tried to contact and dispute this off of my credit. This debt was paid by XXXX XXXX. I have previously made a complaint about this company. In my last complaint the company stated We do not have any account for a XXXX XXXX. Nor do we have any affiliation with the creditor in the attachment provided by Ms  XXXX. I received a letter later from them stating that I did have an account. How does a letter just appear if you dont have an account or affiliation?
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

XXXX charged me a membership fee I had not wanted. XXXX store removed the charge. Comenity Bank continued to charge late fees and interest. They have removed most the fees but are still trying to charge me interest. Plus they have reported that I missed payments in XX/XX/XXXX and XX/XX/XXXX when there should have been no charges as the card was paid in full XX/XX/XXXX. I call every week or so and they say they fix it but they never do. I have XXXX false blemishes on my credit report due to this and they are still trying to charge me interest.