davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Jefferson Capital Systems LLC is trying to collect a fraudulent ( never existed ) debt of XXXX. 

Some months ago I received a letter from a company called " XXXX '', I believe they claimed that they were based in Minnesota. They claimed that I owed a debt of over {$2100.00} from a XXXX transaction. I had NO recollection of ANY unpaid debts, and so I contacted XXXX, which said that no such transaction had ever existed in all their years of records for my ( long unused ) account with XXXX. 

XXXX repeatedly called me. After repeatedly telling the callers that XXXX had confirmed there is no such debt as the one claimed they still persisted. 

XXXX sent me a letter ( from Illinois ) claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule. I believe that they said they were part of " Jefferson Capital '' On XX/XX/2021 I received a notice in the mail from " Jefferson Capital '' claiming they want me to pay {$2100.00} or to negotiate to reduce the phony " debt '', and arrange a payback schedule.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

I was called by a bill collector saying that I owed over XXXX XXXX dollars. For 2 cellular phones purchased in 2019. At first I thought it was a joke. Especially as to the rough and rude way I was spoken to. So I called my cell phone carrier to inquire. They assured me that I was in good standing and owed nothing. Now a month later another call so I asked to speak to fraud. They gave me the runaround and invalid account number to give to the fraud department. I dont know what to do. I honestly need you assistance. All of my cell phones I have gotten from my carrier which have been paid off
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. ()

The is hard enquiry addded to my credit report on the XXXX XX/XX/2022 from XXXX XXXX XXXX XXXX ) XXXX I want it to be removed I do not know anything about it. 
On the XXXX of XX/XX/2022 an Enquiry was added from XXXX XXXXXXXX XXXX 
XXXX account was added but it is an old account I want it to be removed. 

XXXX XXXX was added as an enquiry I want it to be removed I am not responseble for this Old account XXXX XXXX XXXX was added I want it to be removed it was closed. 
XXXX XXXX XXXX XXXX XXXX  XXXX was added as an account I do not recognise this account I want it to be removed from my report. 
Also XXXX XXXX XXXX I do not know this enquiry I want it to be removed ' XXXX was cloced years back I want it to be removed. 
XXXX XXXX XXXXXXXX XXXX XXXX I also want that account to be removed it just recently added without my knowledge
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

The is hard enquiry addded to my credit report on the XXXX XX/XX/2022 from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I want it to be removed I do not know anything about it. 
On the XXXXXXXX XXXX XXXXXX/XX/2022 an Enquiry was added from XXXXXXXX XXXX XXXX 
XXXX account was added but it is an old account I want it to be removed. 

XXXX XXXX was added as an enquiry I want it to be removed I am not responseble for this Old account XXXX XXXX XXXX was added I want it to be removed it was closed. 
XXXX XXXX XXXX XXXX XXXX XXXX was added as an account I do not recognise this account I want it to be removed from my report. 
Also XXXX XXXX XXXX I do not know this enquiry I want it to be removed XXXX XXXX was cloced years back I want it to be removed. 
XXXX XXXX XXXXXXXX XXXX XXXX I also want that account to be removed it just recently added without my knowledge
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. ()

Recently viewed my updated XXXX credit report when I realised I have too many inquiries on my report that I do not recognised. 

XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX 2022 XXXX XXXX XX/XX/2022 XXXX XXXX. 
XXXX XX/XX/2022 SXXXX XXXX XXXX XXXX XX/XX/2022 I tried to enquire about it but I havent been getting any feedback.
Consumer complaint received 2023-01-16
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. (IN)

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I received XXXX letters on XX/XX/2023 from Wells Fargo Customer Care. The letters stated that I had been improperly enrolled in two programs without my knowledge or consent. The products were " Wells Fargo Identity Theft Protection '' program and the other was their " Credit Defense Product '' ( They had been ordered by you CFPB and they agreed to pay consumers as part of a plea deal ). I called the telephone number in the letters ( XXXX ). Their representative told me advised me the money that would be paid to me was {$500.00} dollars ( $ XXXX ). They advised me the money would shortly be forthcoming. After waiting XXXX weeks I called back on XX/XX/XXXX and was advised the checks would be received in 30 days from my initial call on XX/XX/XXXX. The checks didn't come and I called again on XX/XX/XXXX and they said their was a XXXX backup. I called again today and they said they could not specify when and transferred me to another Wells Fargo " Executive Office '' telephone number. I spoke to a representative named " XXXX '' who refused to give me her full name from the " Customer Care Executive Office. '' She advised me that the checks would not be made available until sometime in XXXX... probably. I feel that once Wells Fargo is again engaging in unscrupulous refusal to pay an agreed upon debt that they owe.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hi. On XXXX i went to my local citizens bank at XXXX XXXX XXXX in XXXX new york between the hours 1-3. I deposited between $ XXXX in cash It took 4 transactions to deposit it all completely. On the last transaction it showed the amount that was deposited. Everything seemed fine then within seconds of showing me the total deposit. The atm says invalid account then as its proceeding to give me my money back it never gives me back any money and says machine error please talk to your financial institution. So i go into the bank Explain what just happened. The tellers tells me i have to make a claim with the claims department. Leaving pretty upset. I make a claim that day XX/XX/XXXX XXXX i wait about a week and call the bank to ask my claim status. The bank says you have two claims on file Sir. I replied there should only be one claim. He says well you have 2 one for {$1100.00} and one for {$1700.00}. I tell him the one for {$1100.00} is wrong. i never made that claim. So he proceed to get rid of the {$1100.00} claim, but the claim number i origanally was given was for the {$1100.00} claim that i never made. So i asked for the claim number to the {$1700.00} claim. The bank operator gave me the correct claim number. 
3 weeks after my last phone call with the bank i got my claim letter in the mail dated XXXX. Saying the bank records indicate there was no machine error and as a result citizens bank will not be credit your account in the amount {$1700.00}. So ive proceeded numerous times since receiving the letter to talk to the claims department Ive been told everytime that someone from claim will contact me in 2 business days. Its been numerous days since my last call to them and i still have not heard from the claim department and i also asked for all documents they have to come to there conclusion. ive heard nothing from them and today is XXXX. Thanks
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Mr. Cooper Group Inc. (WA)

Mr Cooper notified me that my information was involved in their latest data breach. 

1 ) Why did they have that information in the first place. Our loan was paid off in XXXX of XXXX  through XXXX XXXX XXXXXXXX. 

2 ) Why do they still have records on file that would contain sensitive date when I'm not an active borrower? Aren't their laws against that? 

3 ) I'm being told my information can't be scrubbed now due to that date leak. When can it? 

4 ) What are you doing to correct this type of security leak? 

5 ) What is Mr Cooper doing to prevent data leaks or hacks. 

I don't have an account number with this company it's been 8  years since the loan was paid off. I zero 'd out the account number. 

Thank you
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX Pl, XXXX, CA, XXXX, XXXX XXXX XXXX Pl, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (KS)

I have never heard of this company until I was recently applying for an auto loan and was turned down. I received a letter in the mail from a company called XXXX who said they relied on information from a reporting agency called SageStream LLC. This company had my credit score at over 250 points LOWER tha

n the 3 major bureaus for reasons that were false. 1. Said my area code on my phone number is not correct for my address. My area co de is
XXXX  and I live in XXXX Kansas  - the only area code for this area is XXXX.

2. Said length of time at address insufficient. Since when is 6 years not long? 

Plus other information about my credit that was false. In order to get a copy to dispute, I had to send them a copy of my drivers license. That was almost 2 months ago and they have never acknowledged me or sent my report. When I XXXX their name it appears everyone else is having the same problems and are calling them a fraudulent company who purposely understates score so lenders can charge more interest. Please protect consumers and shut down this fraudulent company who does not accurately report on information that is even relevant for a good credit score. Their low-scoring items are unrelated to how I pay my bills and are not consistent with any other credit reporting scoring system. 

Now they have my drivers license and Im afraid its a scam!
Consumer complaint received 2023-01-16
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$8900.00}, XXXX XXXX XXXXI Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/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 XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-16
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance : {$900.00}
Consumer complaint received 2023-01-16
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXXXXXX XXXX  XXXX XXXX Balance : {$8900.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-01-16
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC (NY)

By the Grace of God, I ; Man deny that this is my account, this account was established without my knowledge and I have no contractual agreement with these companies. i require the fraudulent accounts be removed from my report FTC report enclosed.
Consumer complaint received 2023-01-16
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. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ) Fraudulent inquiries XXXX XXXX XXXX date of inquiry ( XX/XX/2021 ), XXXX XXXX  XXXX XXXX date of inquiry ( XX/XX/2021 )
Consumer complaint received 2023-01-16
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-01-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

On XX/XX/22 I received a cancellation notice from my Homeowner 's Insurance policy ( XXXX XXXX, XXXX XXXX ) for failure to pay from the escrow account. The policy that was cancelled was the exact same as the year prior so no changes were made. I was able to call in and reinstate homeowners insurance, however give the lapse in coverage the yearly premium more than doubled. Despite the error to pay happened on their end, my mortgage provider, Mr. Cooper, failed to help remedy the situation after multiple calls were made, they simply informed me that what happened is unfortunate but that there was nothing they could do to fix the issue unless I found cheaper insurance. When I informed them that would be impossible due to the lapse of coverage they caused, they hung up on me. Because of the premium increase caused by their failure to pay, my monthly insurance costs have gone up by more than {$200.00} a month, despite shopping around for more affordable providers.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!