davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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 or reseller. 

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 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

Transunion still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /. 

XXXX all XXXX fro still having incorrect information XXXX
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (NY)

XXXX took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

XXXX still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /. 

Sue all 3 fro still having incorrect information XXXX
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/22 - chatted with Amex CSR through their chat function regarding offer of XXXX points to add authorized user ( husband to my account ) for annual fee of {$170.00}. She confirmed the offer and I signed up my husband. 
XX/XX/22 - {$170.00} annual fee was posted to my account No points to date. 

Separate issue : XX/XX/22 - saw offer in my online account to activate Pay Over Time feature for XXXX points and activated. Received email confirmation of activation. 

Numerous attempts to resolve the missing points issue with Amex via chat have been fruitless.
Consumer complaint received 2022-08-03
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. (NY)

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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-03
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. (AZ)

Purchased a car from them and set the car on Auto Pay when I purchased it. The lender took payments with no issues for 5 months. Then their system had an issue and on XX/XX/2021 their Auto Payment system did not work. The creditor reported me 30 days late which was an error on their part. I called them and I addressed this issue but they have yet to correct the reporting on my credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I have a XXXX XXXX Credit card that was charged off in XX/XX/XXXX. I started a payment plan with XXXX XXXX in XX/XX/XXXX to pay off the charge off in 4 monthly installments. The last monthly installment will be in XX/XX/XXXX. My recent Equifax credit report is showing a late payment after my third installment payment. It changed from 120 days overdue to bad debt / collection as marked on my Equifax credit report. Since this account was charged off in XXXX, the resumption of payments in XXXX should not be reflected as late payments. Please remove this recent late payment information from my Equifax credit report. Thanks
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (TX)

On XX/XX/2022, I attempted to login to my Charles Schwab account that includes my checking account and was met with an error " For your protection, we need to verify your identity before proceeding. Please call XXXX for assistance. '' When I called over the course of the past week and a half, nobody knew why I couldn't access my funds. I was told there wasn't an extension to the office that is handling this and they will review it for 7 to 10 business days. 

I can't access my money in either my brokerage account or in my checking account for almost two weeks. I have tried to resolve this with Schwab, tried to get a reason why my money is unavailable. I trusted them with XXXX of XXXX  of dollars of my hard earned money and they won't let me even close the account or get my funds. This isn't okay.
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Direct Recovery Services, LLC (CA)

I have been contacted by XXXX XXXX Direct Recovery Associates , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Tel ( XXXX ) XXXX Fax on XXXX XX/XX/XXXX, where they demanded unreasonable amount of debt from be for {$23000.00}. 

I clearly asked them to dispute since I did not owe this amount to them and I was in a conversation with them, asked them questions and just in between, they did not answer any of my questions and sent me an email saying that either I pay or they report me to credit reporting agencies. 

'Attached are the invoices and the first contract/agreement you signed and notarized. It comes with a {$10000.00} promissory note that is called upon if you failed to complete XXXX billing hours with our client for the job that they found for you. The second attached agreement was the one you signed when our client found you a project. Our client 's client wanted you on their W2, so you were to pay our client $ XXXX for the time you were on that project. As you know, you initially paid our client for a while, but then stopped. ' The above is the clarification they sent me. But, I was fired without given a notice from their client XXXX XXXX when I questioned them about the fake interviews and fake XXXX visas they provide to their customers in the promise of job and contracting them like a bonded labor. 

Now, they have reported me to the credit agency where my credit score has been blemished for 7 years. I do not understand the questions I asked for their wrong doings, followed by firing me and then reporting me to the credit agency. 

XXXX XXXX ( the other party ) asked me to XXXX the money with no properreceipt, so that they can evade the taxes. These invoices are created on a word document and just forwardedto me to send them unaccounted money. 

I'd appreciate if you could help me with this, I can provide you more details. 
I also have voice recordings where they forge and impersonate the candidate to get them a job and bond them to ask the money like this case.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (PA)

Dear CREDENCE RM, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt.

To ensure accuracy and compliance, please provide me with the following : A copy of the original assignment contract or agreement that verifies your right to collect on this debt.

A detailed statement of the amount owed, including any fees or interest.

Evidence that this debt is within the statute of limitations.

Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA.

I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-03
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: Credit Corp Solutions Inc. (CA)

On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

Credit Corp Spolutions XXXX XXXX XXXX I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I think my identity information has been exposed and stolen, being used to open debit cards, I received random debit cards in the mails with my name on it which I am not authorized nor aware of. please advise if theres a way to stop the XXXX
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I put a {$500.00} check in the wrong envelope by mistake. Check was payable to XXXX XXXX XXXX XXXX. Wells Fargo bank took check and deposited into account XXXX Wells Fargo XXXX. The copy of this check is attached with this complaint. My bank XXXX Bank issued Wells Fargo a notice to return the money in XX/XX/XXXX but they have refused to send back the {$500.00} which they deposited wrong. The check was written by my financee ' who we have a joint account on this check. Please ask them to return the money they do not have the right to own. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-03
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. (GA)

XXXX XXXX is constantly trying to show they are working in good faith as it relates to our case. XXXX  XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a XXXX Representative named XXXX on XXXX XX/XX/XXXX. Her XXXX is full. 

In the attached documents you will find a schedule of payments XXXX said we made. We NEVER had an initial Loan with XXXX. This was a part of a XXXX  Scheme coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did XXXX XXXX pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO XXXX. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to XXXX and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH XXXX XXXX. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (MA)

Good Afternoon, My name is XXXX XXXX, I got a {$40.00} money order at the XXXX and XXXX XXXXn XXXX MA XXXX XXXX XXXX XXXX on XX/XX/2022 to pay a parking ticket. I went to XXXX XXXX XXXX and gave them the money order with parking ticket. a week goes by and the money order and ticket were mailed back to me because they said i paid to much. I called XXXX XXXX and they said I can now make payment online so that's what I did. So I went back to Stop and shop to get a refund for my money order because I didn't use it and they said they cant refund it and to go to my bank. I went to my bank and they said they cant cash it either it has to be cashed where you got it. So I do not know what to do and i really dont want to lose {$40.00}. So can you help me get a refund on this money order? Money order # XXXX
Consumer complaint received 2022-08-03
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. (NY)

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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report. 
Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
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 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 XXXXXX/XX/year>
Consumer complaint received 2022-08-03
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-03
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.