davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

Southwest Collection Svc was a collection agency that I owed money for an eviction to. I was able to pay half of the money owed. This credit account passed the 7 year mark and fell off my credit last year. I had a credit alert that this creditor pulled my credit on XX/XX/21 as a hard inquiry for a new installment loan or new bank account inquiry. I did not give permission or apply for any new loans through this company and now they have all my personal information. This company has threatened me to put me in jail and to sue me again. I feel this company has been collecting on debts by harassing and illegally damaging peoples credit without the legal right to do so. They need to be stopped and be held accountable for their collection procedures. I have a copy of the credit report that was illegally pulled after it had fallen off my credit report. I have already reported this as a fraudulent inquiry with the credit bureaus. To recap : a new account inquiry for an installment loan or new bank account was pulled on my credit on XX/XX/21. When I checked my experian account it was placed from an old creditor that has fallen off my credit report after 7 years. I did not authorize or apply for this company to do this. 

The company is : Southwest Collection Svc XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Asset Recovery Solutions, LLC (CA)

I resolved this debt with a settlement in XXXX of XXXX Asset Recovery Solutions stated that upon payment they would remove this adverse credit from the credit bureaus and til this day its still on there. Although they sent me a letter saying this debt was resolved. Every time I try to dispute it to remove it from my credit they wont do it! Although they said they would having reaching a settlement.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I owe the Bank of America on my credit card. I've made multiple attempts to work with them however, they have not complied with my requests to have the debt settled and taken out of my checking account on a monthly basis Now they are taking me to court trying to say I've done nothing about my debt. Every time I call and pay down some of the debt and ask yet again, to have a settlement amount taken monthly, they set it up and then nothing gets done. It's predatory and damaging to me, and I want to pay the debt, but need a settlement, not to be sued for their errors.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OLIPHANT FINANCIAL, LLC (FL)

XXXX Oliphant XXXX account # : XXXX I have noticed that a collection account, which was paid in full, still shows inaccurate information on my credit report. Despite reaching out to the company responsible for the debt collection, unfortunately, the error has not yet been corrected. 

As a responsible consumer, it is crucial to me that my credit history accurately and fairly reflects my current financial situation. However, the persistence of this incorrect information is having a negative impact on my ability to access financial services and credit products. 

Therefore, I kindly request your assistance in resolving this issue. I would appreciate any help you can provide to rectify this situation as soon as possible. 

I appreciate your attention and cooperation in this regard. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-19
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. (GA)

I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , equifax and XXXX. these companies have not corrected the error.
Consumer complaint received 2018-09-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (KY)

I applied for a loan on XX/XX/2018 due to a financial hardship. It was for {$800.00}. I've missed 3 payments and the interest rate is accruing daily. The total I owe is now up to {$1200.00}. I have discovered that online payday loans are illegal in Kentucky. I contacted the company regarding this and they stated I owe the principal but the interest that is accruing daily. I contacted the XXXX  and the Department of Financial institutions in Kentucky. DFI submitted a cease and desist letter on my behalf.
Consumer complaint received 2020-10-22
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: AMERICAN EXPRESS COMPANY (CA)

I was a customer of America Express for almost 15 years. 14 yrs 5months. My card was at a zero balance for well over a year. My credit score is higher now than when my card was issued. My card was  canceled with out any communication. A letter or notice was not sent or received as the rep stated and no phone call or any communication at all. My card was cancelled without notice. It makes no sense. Its ridiculous to cancel a card of a long time client who has a better credit profile now than when I became a client. Especially without notice. As a banker this does not sit well. This should be updated as closed by customer as I wanted to do over a year ago! This is the worst possible service you can provide. Thank you!
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I paid this account with XXXX  and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX  but it is still showing on my Experian and XXXX credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.
Consumer complaint received 2018-09-19
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: CITIBANK, N.A. (GA)

I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , XXXX and XXXX. these companies have not corrected the error.
Consumer complaint received 2021-02-12
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: EQUIFAX, INC. (OH)

The auto loan company XXXX has removed my file from XXXX  and I have disputed with XXXX  and they removed one payment off of my report but not the whole account. XXXX was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX  and Equifax. 

Thank you, XXXX XXXX
Consumer complaint received 2021-01-25
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. (NY)

I paid this account with XXXX  and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX but it is still showing on my XXXX  and TransUnion credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.
Consumer complaint received 2018-09-18
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: BARCLAYS BANK DELAWARE (GA)

On XX/XX/XXXX, I submitted to Barclays Bank Delaware via a certified letter a request that they cease their unauthorized hard inquiries to my credit report and that they contact the credit bureaus to have them removed. I stated that to my knowledge, I had not signed any document authorizing their organization to view my credit history and therefore, their inquiry violated the Fair Credit Reporting Act, Section 1681b ( c ). I also asked that if they were in possession of any document that they believed authorized them to make the inquiry into my credit report to provide me with a copy for my review. 

In responding to my letter, instead of providing me with a copy of any material they believed authorized their review of my credit report, the company stated " they completed a through review of your situation '' and that " research '' indicated there were applications submitted on my behalf. They did not provide a copy of the applications as requested in my letter. Instead they stated " we were able to verify the information include on the application including the social security number, date of birth, phone numbers and mailing address using public records. '' In my XX/XX/XXXX letter sent certified mail, I asked that if they were in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, that you provide me with a copy of the document. Instead of providing a copy of the document, the company chose to submit a letter that claims to have verified the validity of the inquiry. This is not sufficient under the law. 

As an initial matter, the other company listed in your letter is not listed as the one requesting the inquiry, but your company is. Given this, you are a furnisher as defined by 16 C.F.R. 660.2 ( b ) because you are an entity that furnished information relating to me ( the consumer ) to one or  more consumer reporting agencies.
Consumer complaint received 2020-10-12
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. (NY)

I sent several dispute letters to Transunion on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

Please have Transunion delete these inaccurate inquiries off my report
Consumer complaint received 2021-04-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXXXXXX  and XXXX  and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Attempting to garnish a second time, under mn law they are allowed to garnish for 70 days and never again. They garnished for 70 days starting XX/XX/2019 and now are attempting to do so again. The court has not cleared any such action. Sending the notice alone is a violation of FDCPA.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

To whom it may concern, This complaint is against AMERISAVE MORTGAGE COMPANY. 

I started the home refinance process on Wed, XX/XX/XXXX, at XXXX XXXX. I paid Amerisave Mortgage Company a XXXX $ application fee, and an assumed XXXX $ fee for their " appraisal '' process ( which came back surprisingly low. ). I was told by the Amerisave company that this valuation being lower than what I estimated during my application will have an impact on how much I will pay to cover the costs at closing. Imagine thus my surprise, when I was initially told that I would not incur any fees beside the application fee in the beginning. 

Today is XXXX, XXXX, XXXX, at XXXX XXXX, and I have not heard from them. No customer service, nothing to actually comfort me, nothing. 

Yet, they send me unsolicited robot messages, they don't answer to my phone calls, XXXX, and they reply to my emails arbitrarily. Above all, I don't even have access to my application on their portal. They ask me to download/upload documents on a portal I don't have access to. They never fixed it, and I don't believe they even care. 

See, these people baited me into believing that they had the best rates to refinance. Well they did at the time, and the numbers looked great. However, no refinance takes more than 4 months. 

" We have to create an escrow account for you to cover taxes and insurance so we take 6 months worth of your escrow and that gets rolled into the loan so your current lender will cut you a check and refund you what you have in your escrow account with them after we close. '' was the last useful message I got from these people on Fri, XX/XX/XXXX, XXXX XXXX. 

Everything seems dead there - and due to the lack of visibility I am filing this complaint. I also saw evidence of class actions against this same company in the past, and it does not comfort me at all. There is a strong presumption that they could still be involved in deceitful, harmful and unlawful practices. 

I hope it makes sense.
Consumer complaint received 2020-04-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO Bank, N.A. (IL)

My complaint involves BMO Harris Bank NA. I filed bankruptcy on them over 10 years ago on a second mortgage. I have been trying to negotiate the second mortgage for almost two years now. BMO Harris Bank NA, ran a hard inquiry on my credit bureaus, XX/XX/XXXX of 2019. At that time we were in negotiations for a settlement. I was not aware they ran my credit, nor did I give them the authority to run my credit. After they ran my credit, they saw that I had a good credit score, and decided to settle for the full amount. I know they illegally ran my credit without my consent or any signatures. This also influenced their decision with their settlement amount. I am filing the complaint today because I want action taken against BMO Harris Bank NA for running my credit without my consent. Also I would like to know if I have any legal Avenues against them? Such as filing a lawsuit against them, or suing them in state or federal court.
Consumer complaint received 2023-01-30
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. (NJ)

XX/XX/2023, I sent Transunion a letter demanding them to remove accounts from my consumer report Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. They didn't remove those accounts ; I also didn't give any written authorization to furnish any information on my consumer report. Transunion responded the items were verified, I never asked for a investigation I asked for the accounts to be removed.
Consumer complaint received 2020-10-22
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. (CA)

Transunion has refused and denied to remove unauthorized credit inquiries from my credit report in compliance to the consumer laws under my rights to dispute all inaccurate information. Also I have fraud alert with Transunion and theses inquiries should not have been permitted without my authorization.
Consumer complaint received 2020-10-12
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$240.00}.

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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. 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 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.
Consumer complaint received 2020-10-12
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$240.00}.

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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. 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 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.