davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Got a letter form mr cooper claiming that. they will no longer contact cause they were notified RECENTLY to cease and desist even though they have been told this many many times over and that is why i get sparse call from them not leaving messages or leaving four second blank messages EVER SINCE then they send the bogus letter like they finally were told PREPOSTEROUS!!!!! they don't honor their word cause i got another call from them
Consumer complaint received 2022-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I sent a letter to Experian on XX/XX/XXXX, requesting to investigate and verify the accuracy of the accounts on my Credit Report. The accounts below are reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous accounts and have them corrected. 


XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Dates XXXXXXXX XXXX XXXXXXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2020-11-24
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 am a victim of Identity Theft .I discovered the issue in XX/XX/XXXX and have been trying to work with Equifax to get the issue corrected Since XX/XX/XXXX. I have sent all the required documents to Equifax to get the fraudulent accounts off my credit without any success. I have filed a report with both the Federal Trade Commission and County Police and Equifax refused to remove the fraudulent accounts. Equifax always sent a generic response and I am beginning to believe they are not taking the time to investigate my dispute.I received two letters from Equifax both dated XX/XX/XXXX, in one of the letter equifax stated they are unable to locate my credit file in their database with the identification information I have provided. I have sent Equifax my Identification and SSN on numerous occasions and they said they verified the accounts belong to me now they are saying they can not locate my credit file in their database. The second letter states they will not blocked the information from my credit file. I am confused with this response and I need Equifax to investigate my claim with the creditors and not just say the fraudulent accounts belongs to me. I have stated in my police report that I am willing to press charges when the police finishes their investigation. 

Equifax currently has 6 fradulent accounts listed on my credit report. 
XXXX XXXX XXXX {$5700.00} XXXX XXXX {$1000.00} XXXX XXXX {$570.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$770.00} XXXX  {$1100.00} I am not sure how these cards were open in my name because I have only had my SSN since XXXX and should have had XXXX credit scores to obtain these accounts.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (WI)

WESTERN UNION REFUNDED MY MONEY TO A STRANGERS ACCOUNT I have been trying to resolve this problem for years. I used Western Union in XX/XX/2014 to send {$2900.00} plus a {$25.00} fee from my checking account on their website. There were issues picking up the transfer and after months of back and forth I was told the money had been refunded. I then spent a year trying to find out who it was refunded to because I never received it. After a year I told it was deposited to a checking account I had never heard of, completely different from where they received the wire transfer from. checking account at a different bank with a different account number and of some unknown person. WU then claimed they considered the issue resolved because it was refunded. That it was not refunded to the original sender was not their concern. I was told to work it out with the bank but understandably they were less than helpful since I DO NOT BANK WITH THEM AND THE ACCOUNT THE MONEY WAS SENT TO IS NOT MINE. I have gone back and forth for years on this issue with ZERO results. I keep expecting the someone will catch the error and correct it and send me a check or to find it on the unclaimed assets website of my state but nothing. This is a lot of money to me. Although I lose faith and drop it for a while I just can't believe that an institution like this can be so reckless and negligent that they don't have safeguards in place to keep something as simple as refunding the correct accounts in place.
Consumer complaint received 2022-07-18
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)

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION account on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud account on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill and drivers License are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Consumer complaint received 2024-02-13
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. (CA)

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THESE INQUIRIES ARE NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (UT)

I received a bill for a medical debt that was supposed to be under review with my insurance. I was charged OUT OF NETWORK for an intensive care unit trip that I HAD NO ABILITY TO CHOOSE where to go. They took me to XXXX XXXX. I am a full time employee for the XXXX XXXX XXXX XXXXXXXX. I was found XXXX and the ambulance took me to the closest XXXX  ( which at the time president trump had already signed the no surprise billing act but the date it went into effect is unclear ) I was brought to the XXXX XXXX XXXX and after becoming XXXX  with my family there, I asked to be sent to thXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was stable, clear headed, and capable of making decisions. They told me I had to stay in the XXXX  but their XXXX  was full. I asked again if I could have my family take me and they refused and said I needed to get taken by ambulance ( another XXXX I paid ) to their other XXXX XXXX XXXX XXXX. I said I can not go there I will not be able to afford that. My father said I can drive him there at least and they refused again. I have been disputing this out-of-network debt ever since, and all the sudden without notice I am getting a letter from IC Systems medical debt collections . I thought they were still working on my bill? I have very good insurance this has to be a mistake. I can not afford another monthly payment type situation I am drowning in bills as is. It is not fair that I was brought and forced to stay at XXXX XXXX when they knew I had XXXX XXXX XXXX insurance and had even asked for that. This amount of {$3900.00} is not correct. I would have and should have met my out of pocket max, I can not and will not pay this because it is not correct. Please help me! 

XXXX XXXX
Consumer complaint received 2021-05-20
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)

HELLO, I SUBMITTED A CFPB REPORT THE OTHER DAY AND WAS TOLD IT WAS INVALID, SO I AM SUBMITTING. I AM DEMANDING THAT THIS BE TAKEN SERIOUSLY, THERE IS INFORMATION ON MY CREDIT REPORT THAT HAS NOTHING TO DO WITH ME AND AM DISSAPOINTED THAT EACH CREDIT BUREAU ISNT HELPING ME AT ALL ... .. 

MY NAME IS XXXX XXXX XXXX ... .AND I AM DEMANDING THAT PURSUANT TO SECTION 605B OF THE FCRA THAT THE INFORMATION ON THE DISPUTE LETTERS AND FTC REPORT BE BLOCKED ASAP!
Consumer complaint received 2024-02-13
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. (IL)

They have not provided detailed explanations for why these accounts were marked as Late and Derogatory. I am extremely dissatisfied with the outcome of their investigation and validation. I am unsure of the methods and processes they used to arrive at these inaccurate results. How is it possible that I received a XXXX late mark when there are no records of XXXX days past due? It seems to have jumped straight to XXXX  days. 

Furthermore, these issues occurred during the pandemic when systems were frequently down, and there were limited options for making payment transactions. Despite the challenges I've faced, I have diligently kept everything up to date and fully paid. It is unjust and unacceptable that they refuse to correct and update their records despite my numerous letters requesting them to rectify these errors.

Hear me out, and help me update these to current or just delete these errors on my credit report. 
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF EDXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NJ)

I have a problem with acima credit since they are reporting an account to my credit report is fraudulent since someone stole my information and opened that account already with this is the 3rd claim and they asked me for a police report here I send it to them.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TN)

Hello Sir, I got an offer code ( XXXX ) for WF checking account for {$300.00} on XXXX XX/XX/XXXX so I went to XXXX, downtown branch to open the account, there executive told me that I am not eligible so I was not happy and walked out without opening the account on XXXX XX/XX/XXXX however since I wanted to open account ASAP, I went again and got my account opened with WF on XXXX, also I lodged a case for WF to check if I am actually 'Eligible ' to receive offer or not on XXXX? and was planning to close the account if no offer was given to me, as I was not happy with the hidden terms and condition of the offer. 

On XXXX XXXX got to know from WF executive that I am eligible for the offer and will get amount between XXXX and XXXX ( after completing 90 days of checking account and direct deposit of XXXX {$1000.00} ) So I wanted till XXXX to get the amount in my account but all in vain. 
finally I lodged a complaint in WF office for investigating this case in 1st week of XX/XX/XXXX. 

Finally my case was closed by WF mentioning that I am not eligible for {$300.00} offer and also they mentioned that communication on XXXX  XXXX was " the representatives provided responses that were considered as vague and not offering any additional context. ", which doesnt look correct. ( refer attached case response ) if it would have been communicated to me that I am not eligible for the offer, I would have closed my WF account immediately rather than continuing it for 3+ months
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (AZ)

There was an incident at the apartment complex. 

The complex fined several tenants and attempted to evict me Ive went to court because reported fees were incorrect, Ive paid them and they havent removed themselves from my credit reports
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I RECENTLY PAID OFF IN FULL MY CREDIT CARD BALANCE FROM XXXX ( ISSUED BY WELLS FARGO BANK ) AND WHEN I PULLED MY CREDIT TO MAKE SURE THAT IT WAS REPORTING CORRECTLY IT WAS NOT. I ALSO NOTICED THAT THEY HAVE REPORTED THIS ACCOUNT AS BEING LATE ON PAYMENTS FROM XXXX OF XXXX TO XXXX OF XXXX AND THIS IS INCORRECT. MY DEBT WAS BEING MANAGED BY A DEBT MANAGEMENT COMPANY WHICH ALL PAYMENTS WERE MADE THROUGH THEM TO INCLUDE THE FULL PAY OFF AMOUNT JUST THIS MONTH. 

I CALLED XXXX AND THEY ARE NOT HELP, THEY CAN NOT PROVIDE ME WITH VERIFICATION OTHER THAN TELLING ME IN THEIR SYSTEM THAT MY PAYMENT WAS LATE DURING THOSE MONTHS LISTED ABOVE AND THIS IS INCORRECT. ALL PAYMENTS WERE LOGGED BY THE DEBT MANAGEMENT COMPANY. NO LATE PAYMENTS SHOULD BE LISTED ON ANY OF MY CREDIT REPORTS. 

THIS COMPLAINT IS NOT AGAINST THE CREDIT BUREAUS, IT IS AGAINST XXXX FOR VIOLATION OF THE FAIR BILLING ACT AND THE FCRA. IF XXXX DOES NOT REMOVE THE LATE PAYMENTS FROM THE ACCOUNT HISTORY I WILL BE FORCED TO SUE THEM FOR VIOLATION OF THE FEDEERAL LAW WHICH CARRY 'S A {$1000.00} FINE FOR EACH VIOLATON. I WOULD ALSO SEEK REIMBURSEMENT OF ALL ATTORNEY FEES IF IT GOES THAT FAR. 

THEY ALSO ARE STILL REPORTING IN THE COMMENTS SECTION OF THE ACCOUNT " PAYMENTS BEING HANDLED BY 3RD PARTY DEBT MANAGEMENT COMPANY '' THIS IS NOT SUPPOSED TO BE SHOWING UP AS THEY DEBT HAS A XXXX BALANCE AND IS NOT LONGER HANDLED BY THAT COMPANY. 

THE FCRA SAYS ALL INFORMATION BEING REPORTED MUST BE ACCURATE, COMPLETE AND VERIFIABLE AND IN THIS CASE IT IS NOT AND I AM SEEKING AN INVESTIGATION INTO THEIR REPORTING AND ASKING THAT A FINE BE APPLIED TO THEM FOR VIOLATION OF THE LAW. 

THIS IS NOT THE FIRST TIME THAT WELLS FARGO HAS BEEN GUILTY OF DOING ILLEGAL THINGS AND I WANT FULL RESOLUTION OF THIS ISSUE IMMEDIATELY
Consumer complaint received 2024-02-13
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: EQUIFAX, INC. (AL)

I have unauthorized inquires on my XXXX consumer report. I have contacted the creditors to get these fraudulent inquires removed but have had no success. These inquires are fraudulent and I need them removed from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
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. (NJ)

This is my several endeavor 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, block and delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of disputed items : XXXX XXXX XXXX AV XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX 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 an account without my written instructions
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Collection Company (TX)

XXXX called from Professional Collections in XXXX, LA. I was sitting in my office during this phone call and my assistant was helping me answer phone calls. When we answered the calls, XXXX said she was calling for XXXX and went straight into listing my debts and amounts, some of which were medical. She did not confirm my identity nor did she read the mini XXXX rights. My assistant heard the entire call and unfortunately knows about two of my debts- medical and utility. When I asked to speak with a supervisor, I was forwarded to someone who asked if I was just not intending to pay my debt or why I was making such a ruckus. Once again, dismissing my rights as a consumer.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion has Reported late payments on my Auto loan XXXX XXXX XXXX without my acknowledgment. The late payments should not be on my Credit Report. I paid this Auto off in XXXX 6 months to one years time. According to Code 15 US 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure the each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

These were illegally added to my public credit profile on experian. 
I've mailed and called numerous times to explain that I had been a victim of identity theft between XXXX. The below list of items were never added by me and respectfully wish these to be removed. 

I filed an FTC complaint as well as an identitytheft.org on the following items. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX ( NEVER LATE ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears on Credit Reporting Agency without my knowledge or permission. In accordance with the Fair Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.