davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

Discover Card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$11000.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (FL)

Our XXXX  son passed away on XX/XX/2022 at the age of XXXX with no estate. We have received a debt collection letter from Weltman, Weinberg & Reis LPA for a debt owed to XXXX XXXX attempting to collect this debt from us his parents. Parents of XXXX  deceased XXXX  are in no way responsible for this debt. This is appalling that a debt collector would even attempt to try to intimidate grieving parents to collect on this debt.
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

The two companies are, ( EXPERIAN ) and ( XXXX XXXX  XXXX XXXX ). I have filed a police report regarding Identity Theft and fraudulent debt collection as a result of identity theft. The police report was filed and reported to ( XXXX XXXX XXXX Police Department ), located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX. I am currently disputing this matter with ( EXPERIAN ) credit reporting agency and ( XXXX  XXXX XXXX XXXX ) collection agency. The assumed amount of fraudulent debt requested by ( XXXX XXXX XXXX XXXX ) is ( {$2500.00} ). I have submitted the full police report to the above agency demanding this fraudulent debt collection account be deleted and removed due to identity theft of my ( Name, California ID Number and Social Security Number ) being used for fraudulent purpose. I asking that both agencies immediately remove and delete from their Data Base fraudulent debt collection due to Identity Theft, in my name and personal information related to me. 
Thank You
Consumer complaint received 2023-04-19
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Transunion, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 US Code 1681A Title Definitions.

I missed two payments on my [ XXXX Credit Card ]. As per the terms of the agreement, this missed payment was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 US Code 1681A Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed from my credit report.

I would appreciate your prompt attention to this matter and your confirmation that the missed payment has been removed from my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Credit Corporation (GA)

My car is finance through U.S Auto XXXX I have made payments to this company {$6000.00} and I'm really worry about making another payment and my car will get repo. And I was told to file a complaint against them cause their still asking for money.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been writing Transunion, XXXX and XXXX since XXXX, XXXX, XXXX, and XXXX and none of them responded to my letters. I'm doing this process right now to see further results of my disputes concerning those inaccurate accounts that they've put into my credit report.
Consumer complaint received 2023-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (FL)

I openedan account with TRUIST bank, on XX/XX/XXXX ... the agent informed me, that theres was a CHARGE OFF on record, I was surprised, I NEVER had Truist, but he clarified that it was under BB & T bank, ( it went out of business ) and the CHARGE OF WAS FROM XX/XX/XXXX XXXX years ago, this created a problem with opening a checking account with Truist. 

Can you help?
Consumer complaint received 2023-04-26
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. (SC)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my 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
Consumer complaint received 2020-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (CA)

I have had a very difficult time with Home Point Financial. I have tried 2 times to get a loan modification completed. I am writing they complaint and letter to appeal my modification review. I have recently been declined for a loan modification and was told because I do not have enough income to pay the mortgage. The is 100 % incorrect and I provided that in the modification package. I am currently working full time and early make {$10000.00} to {$12000.00} per month. My mortgage payment is {$3000.00}. Based on mortgage banking guidelines I have enough income to afford my mortgage and qualify for a modification approval.
Consumer complaint received 2020-04-15
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: RS Clark and Associates, Inc. (TX)

I had an account on my credit that I did not recognize after calling the company I was informed it was for a debt that I did not recognize at all. Since I was applying for a new car loan and the amount was small I agreed to pay with them deleting the account from my credit report and then sending me the debt verification after payment. 

After payment they did not delete the collection from my credit report nor sent any validation that this was actually my debt. I have since asked the company to provide me signed documents or any documents showing that the debt they claim to own was my debt and not just a mistake. They have again not provided that information and continue to report to both XXXX  and XXXX.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I recently disputed an account on my credit file. I have now discovered new information about this credit account. The account is : XXXX XXXX  XXXX Credit Limit : {$500.00} This account has been " re-aged '' and is now too old to remain on my credit file, per the Fair Credit Report Act. The last activity on this account is not being reported correctly. No payments or charges were made on this account in over 7 years. It has been longer than 7 years since the last account activity.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One as of XX/XX/XXXX is showing on my credit report as charged off with a high balance of {$960.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit the date the account was reported deliquent was XX/XX/XXXX and I believe it was earlier than the date they are stating.
Consumer complaint received 2017-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX - XXXX, stating that a creditor, XXXX XXXX XXXX, had referred a debt to them for XXXX} from XXXX XXXX XXXX XXXX ( USA ). 

I responded with a debt verification request on XX/XX/XXXX ( the day of receipt ). On XX/XX/XXXX, I received another letter with an Order attached to the general sessions court in my county. They are supposed to VERIFY the debt and allow 30 days. 
It 's fishy because I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX. What is this " XXXX ''? 

When I checked on XXXX XXXX XXXX 's website, it shows they hire a third party, Resurgent Capital Services, to handle all accounts as well. Who do I officially owe this money to? I do n't remember any {XXXX} credit card from XXXX XXXX. No one is acknowledging my correspondence. 

I have cc : 'd all correspondence to the General Sessions Court in my county as well. Not sure if it will help, but I 'm a single mom of XXXX. Why pick XXXX to start rattling cages. 

What XXXX.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (CA)

i recently received a wells fargo ( wf ) credit card ( XXXX XXXX XXXX XXXX ). i tried to enroll for online access but was denied because i don't own a cell phone. apparently, wf sends verification codes only via text message. i spoke with several customer service reps and was told that i should be able to go to any wf branch with a photo id and a banker could help me enroll. i went to the XXXX XXXX, ca branch on XX/XX/XXXX and was told that i had to make an appt. i went back the next day and was told by a banker that there was nothing she could do to get me enrolled. the banker filed a complaint on my behalf ( XXXX ) wf responded by email and cited a mobile banking policy " which indicates you must provide us ( and maintain ) a valid mobile phone number which you are the owner of or have the delegated authority to act on behalf of the mobile subscriber. '' are these people utterly dense? the mobile banking policy doesn't apply to me because I DON'T OWN A MOBILE PHONE. it's hard to provide a mobile number if you don't own a mobile phone. if i did i wouldn't be filing a complaint and we wouldn't be having this narrative. i bank with my laptop and desktop which are not considered mobile devices. 

i will be XXXX next year. my generation did not grow up with all these modern electronic devices that proliferate today 's landscape. many of us, like myself, are not tech savvy and are intimidated by these new-fangled things so we don't use them. hence we can't get online access given.wf 's narrow and stinted policy. this is, in effect, de facto XXXX XXXX and needs to be amended immediately! 

nowadays we have all types of electronic options. i don't have to use XXXX XXXX as my web browser. i don't have to use XXXX  as my isp. i don't have to setup an email account with XXXX. there are options everywhere except with wf. i deal with at least 8 other financial institutions and all of them give me the option of code delivery via landline or email. XXXX provides options ; so does XXXX XXXX XXXX incidentally, is there any credible empirical evidence that cell phones are more secure than other methods of delivery? 

wf needs to wake up and realize that not everyone owns a mobile phone.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-03-06
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
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. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-22
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. (PA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-18
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. (GA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I am showing a collection from XXXX XXXX on my credit reports. It is for XXXX XXXX Apartments. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.
Consumer complaint received 2024-03-14
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-14
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: SYNCHRONY FINANCIAL (TX)

My XXXX account was compromised and a transaction was made to someone I don't recognize. I disputed the transaction with Synchrony who then opened a fraud case, closed my credit card, and issued a new one. Since then they did not issue any sort of temporary credit for the charge. I called them and they stated they would issue temporary credit and waive any fees and interest charges, but instead added more charges under the label " Convenience Check '' ( 3 times ) for the amount of the fraudulent charge and have not refunded any of the fees or interest. Now all of these extra charges applied by Synchrony are gathering interest daily because they are flagged as cash advances but this should be a credit and not a debit to my account.