davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (GA)

A year or two ago Americollect inc began leaving messages on our answering machine requesting payment of an old bill.. I could not recall anything. The calls went unanswered. I had not ever talked to them. Because I continued to get messages, which included threats from a robocall and frequent dings to my credit rating I made inquiries to the original creditor as given from XXXX or other agency. A copy of the report listed an unpaid balance of about XXXX dollars from the year XXXX  from XXXX XXXX. As I am 100 percent sure that no bill was generated by me in XXXX. I continued to press for relevant information. At first only from XXXX XXXX in XXXX. The first call they could find nothing. After waiting about a week I called back and they were able to provide me with a generation date of XX/XX/XXXX for the amount that Americollect is claiming. But the date Americollect is giving to the reporting agencies is XX/XX/XXXXXXXX   with no specific day. This was from XXXX As I continued to get dings on my credit rating Taking it from well over XXXX to below XXXX I then started to make attempts to get firm and honest dates. On my first call to XXXX XXXX they could not find any information. On the second attempt for information I was given the XX/XX/XXXXXXXX  date as the generating date. They told me they would provide me copies of the original bill. That was over a month ago but nothing has shown up thus far. Because I am now facing a separation with my wife and she took the car owned by both of us I called XXXX XXXX to inquire about a smaller personal loan for a car. My request for preapproval was denied. By the information they gave me the denial was caused by that reported default.. A couple of weeks ago I made a validation request to them by mail to Americollect in XXXX, WI My request thus far has remained answered. I called Americollect today and XXXX XXXX  a bill generation date in XXXX. That information is false and I believe Americollect knows this as well and adjusted that date to provide a reason to harrass me and harm my credit rating illegally. Or what should be illegal misrepresentation of facts.. There should be other supporting documentation coming shortly as well showing the creating entity of the bill and the correct date I will supply them on request.
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX I called into XXXXXXXX XXXX seeking some kind of cure to this fraudulent account. My identity was stolen in XXXX and the card was opened in XXXX. The phone numbers dont match with my phone number that I use. They cant prove it me at all I already sent them a ftc report back in XX/XX/XXXX or XX/XX/XXXX they removed it then placed it back on my reports. This account was not opened by me at all and its been damaging my credit for years. They have caused substantial damage to my credit report resulting in me getting denied for cars and credit cards or I could get a car and it would be at a high rate or the credit cards all would have high rates 21 percent all because of this account be placed on my account. They told me they was taking it off in XX/XX/XXXX and still a month later they did not. I just called them today and was given the run around from the Fraud department of XXXX XXXX to there debt collector thats not with XXXX XXXX  back to the collection agency with XXXX XXXX then they told me to wait to talk with the security team and said it was going to be a 30 min wait and it turned out to be a 2 hr wait two days in a row they did this to me. I have inserted the call from XXXXXXXX XXXX that states they had me on hold and didnt let me talk to anybody from the security team. I also inserted the credit profiles they are on XXXX and TransUnion
Consumer complaint received 2024-03-27
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. (NV)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (MI)

My credit card with XXXX XXXX XXXXXXXX was set on auto pay and I never received any notice from XXXX XXXX XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXXXXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XX/XX/2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately XXXX on time payments and have never had an issue.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I reviewed my consumer reports and noticed I had XXXX late payments on a account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuravy. I have never been late on payments for the accounts that i have included in the screenshot inside this complaint in on dates [ XX/XX/year> ] and [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late on these stated payments. Thank you so much! Please see the screen shots attached.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
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. (NJ)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. 

They shouldn't even be appearing on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (FL)

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 update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX ( parent company XXXX ) and Wells Fargo partner on a co-branded XXXX XXXX XXXX and run separate websites, both of which have the ability to make autopay settings for credit card payments. I had setup my autopay on XXXX to make payment from a savings account that tends to hold higher cash balances. I did not know that Wells Fargo has a separate website and account on which you can also make autopay settings, and these settings apparently override the autopay settings on XXXX 

On XX/XX/2024, a payment of {$8800.00} was attempted from a different checking account which is only linked to my Wells Fargo account on their website, but not on XXXX XXXX website. As this is a checking account with lower cash balance, I had insufficient funds and the payment was blocked on XX/XX/2024. On the same day, I was hit with a {$180.00} interest charge because of the reversed payment, which was caused by XXXX and Wells Fargo systems ' inability to communicate with each other. 

I manually made payment to Wells Fargo out of a savings account which then successfully cleared my balance on XX/XX/2024. I called Wells Fargo to ask for help reversing this error given the issue with their/XXXX XXXX  systems, but they refuse to reverse the interest charge that was caused by their systems ' miscommunication.
Consumer complaint received 2023-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I sent a letter to the credit reporting agencies requesting a validation of the debt showing on my consumer report from XXXX XXXX XXXX. I have not received any response from XXXX, Transunion or XXXX. In my letter, I mentioned that I have no knowledge of a debt that is owed to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX as well on XX/XX/XXXX requesting that they validate the debt by providing the verification of debt, Proof of assignment, complete payment history, as well as Proof of License and Bond, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any response from XXXX XXXX with regards to my direct request. Since i was unable to receive this information from XXXX, it was my hope that the Consumer Reporting Agencies would be able to provide the same to me since they have the information posted on my report and must only report verified and validated information per FCRA Section 611 and 15 USC 1681s-2. I have attached the XXXX and the XXXX letter. The Transunion and XXXX letters stated the same.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX - Applied for Amex Platinum Card with a XXXX point welcome offer ( subject to minimum spend requirements ) XXXX/XXXX/XXXX  - Approved for Amex Platinum Card XX/XX/XXXX - Met minimum spend requirements, however only received XXXX points, XXXX/XXXX/XXXX - Called agent and was asked to submit proof of original offer to agent 's email XXXX/XXXX/XXXXXXXX - Followed up with agent via email ( having received no response ) XX/XX/XXXX - Called again and was told that it was being investigated, however have received no follow up Current status - Still have yet to receive any follow up, and still am missing XXXX points. Have called Amex several times since and have been told that the issue is still 'being investigated ', however this process has been going on for six months with no resolution
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting 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. (IL)

After reviewing my consumer report I noticed hard inquiries that I did not make nor did I authorize anyone to pull my credit report. 
also a collection that was not from me it from 2013 when my identify was stolen and i had a fraud alert on my credit since that happened 10 years ago not only was it not me by law the statute of limitations is up on this date.
Consumer complaint received 2024-01-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (WA)

I was sent an offer letter on XXXX XXXX  about employment on my email stating I will be starting tomorrow I checked the links on the email sent to me, and it was crypto.com so it was legit. Moreover in the email it stated to send money for just a background check for verification because it was contract which made sense. But after I paid no response and then I reported to the company their company ignored so on XXXX I message then they responded and they still didnt solve it. Now Im without a job and frustrated and broke.
Consumer complaint received 2024-01-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (TX)

I began a mortgage forbearance in XX/XX/2023 with Mr. Cooper due to financial hardship from a sudden layoff. The agreement was for a 12-month forbearance, granted in increments of 2-3 months, with regular check-ins. This was understood as a procedural formality, not a reassessment of my eligibility. 

In XX/XX/2023, when I sought to extend my forbearance to complete the agreed 12 months, I was unexpectedly denied with no explanation provided. Despite multiple attempts to understand this denial, representatives of Mr. Cooper have neither provided a reason nor demonstrated awareness of VA circulars regarding the foreclosure moratorium. 

This situation has significantly impacted me. After the layoff, my income was limited to VA disability. I was extremely transparent and I also disclosed to Mr. Cooper that I was undergoing extensive treatment for severe XXXX, a latent condition stemming from my military service that manifested due to my sudden unemployment. 

Mr. Coopers actions suggest a disregard for the VAs guidelines and an intent to foreclose on my property prematurely, without offering the full 12-month forbearance period or any alternative support. They also feign ignorance about the multitude of VA circulars and guidance that tells them what theyre doing is in direct contradiction to the VAs guidance. This approach not only undermines my financial planning based on the initial forbearance agreement but also exacerbates my current mental health and financial challenges. 

As a veteran, homeowner, and client of Mr. Cooper, I find this outcome unacceptable and seek immediate intervention to rectify the situation.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$270.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX A Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2700.00}
Consumer complaint received 2024-03-27
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. (WA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2024-03-27
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. (MI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
MI XXXX XXXX XXXX Balance : {$2400.00} MI XXXX XXXX XXXX Balance : {$2400.00} MI XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MS)

I opened an account on WePay XXXX XXXX XXXX to enable online ticket sales for our XXXX XXXX XXXX. Over the next five days we sold 10 tickets valued at {$720.00}. On XXXX XXXX, customers reported not being able to pay for their tickets as their payment method was declined. I reached out to WePay and was told our account was closed due to being " High Risk '' and that all our funding would be held for 120 days to cover chargebacks on the account. On that same day I requested to know why our account was closed and what we could do to rectify the situation and get the money back. On XXXX XXXX  I was emailed by a customer service agent saying " after a standard review of the account, our Trust and Safety team has determined that we will not be able to provide our services. All information regarding our review process is proprietary, so no additional information is available in these instances. '' A company shouldn't be able to hold our money and not give us an answer as to why. Last time I checked that's the same as theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now we have a commitment with the venue that we've already paid a deposit for and no way to meet that commitment unless one of us takes out a personal loan to cover the deficit. 120 days from now will be far too late to rectify any of this. All I want is the money back so we can continue with our plans and we'll take our business elsewhere.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX