davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY (NY)

Wells fargo ( brazen ) abuse of clients, as well as lack of respect for the finical sector, to which such brazen criminal activities, gives this sector a bad name. I Have been having this problem with wells fargo, but it became blatant when I got injured on the job and was placed on XXXX since XXXX. Whenever i pay cash, this money would disappear and they literally tell you the money disappeared and was not applied to my principal. Wells fargo has been trying to take my car from me even though, they have been paid. Here is how brazen, shameless, dishonest, they are : So if on XX/XX/XXXX they stated that amount due to pay off entire loan, was $ XXXX.and payment due date is XX/XX/XXXX. Here they made no mention of payment received on XX/XX/XXXX in the amount of {$360.00} which was paid on XX/XX/XXXX. AT which time the overall balance owed to them, they stated was {$850.00} to pay off /or satisfy total amount due for car loan. 
The XXXX XX/XX/XXXX payment of {$360.00}, should have been subtracted from the total owed of {$850.00}, but was not. Even that {$850.00} is questionable due to their history of dishonesty. Since the XX/XX/XXXX statement of a balance of {$850.00} : The Following payment has been paid by me. 


1. On XX/XX/XXXX : a payment of {$360.00} was made to wellfargo so $ XXXX {$360.00} = {$480.00} 2. On XX/XX/XXXX : A payment of {$300.00} was made to wellfargo So $ XXXX {$300.00} = {$180.00} 3. On XX/XX/XXXX : A Payment of {$400.00} was made to wells fargo So {$180.00} owed, and i paid {$400.00} $ XXXX XXXX [ overpaid by me ] 4. On XXXX XXXX : A payment of {$300.00} was made to Wells Fargo . 
So XXXX = {$510.00} so a total of {$510.00} was overpaid by me unknowingly to wellfargo. I didnt realize I was overpaying because of their dishonesty, Yet they keep coming at me for more money, and if they had there way they would take my car. This is shameful. wells fargo needs to do the right thing. 
stop harassing me and return my {$510.00} .00 I overpaid Send me the necessary paperwork stating my car is fully paid for. 
pay me for the stress they put me though over the years [ well this will nt be worked out here, this part will be dealt with by the right entity. 
Stop!!!! stop sending me harassing statements that i owe them money. 
develop some conscience and integrity
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am requesting that XXXX, Trans Union and XXXX room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX XXXX I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. XXXX, Trans Union and XXXX need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.
Consumer complaint received 2022-07-17
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. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX Bank reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (FL)

XXXX requested original documents received copy of a lease with an electronic signature - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation - Date reported - Date opened - Creditor Type - Account Status - Providing a copy leased but not original and no proof of your name on the lease. 
- Failed to respond to my previous letter and fill out bottom half of the form and mail back You FAILED TO FILL OUT 2 Page, Signed and Sent back to me ( please see attached ) -XXXX  and XXXX reporting different information
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX Bank reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2020-01-30
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. (VA)

I started reaching out to Experian on XX/XX/XXXX to request the deletion of an account since the incorrect information was reporting. However, following the dispute, it was still appearing on my credit report, which I did not agree with. I contact Experian multiple times over the year a few dates were XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. In which I finally received a response dated XX/XX/XXXX, which updated the account but did not resolve the matter. Actually, with these results the charged-off date which showed XX/XX/XXXX were adjusted to XX/XX/XXXX and then re-added as a charge off AGAIN in XX/XX/XXXX -- - which is when they had completed the dispute. This is completely inaccurate and greatly affecting my ability to obtain credit essentially defaming my character. I then sent letters explaining how the information report was false, and initially, they told me it was accurate and marked my dispute frivolous. However, that is not an option for me! So I filed another dispute informing them they re-aged my debt and marking it as a charge off in XX/XX/XXXX -- 2 years after it appeared closed it absolutely incorrect! They have failed to assist me in correcting this matter. I am filing a complaint because I am confident I have requested there help more than enough times in which they have failed to rectify the situation and delete the account -- which at this point should absolutely 1000 % be deleted per the FCRA laws. I look forward to hearing feedback in resolving this matter.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I've tried disputing two accounts off my credit because I was unaware of those accounts. I had no acknowledgement of those accounts. I contacted XXXX  XXXX  and did a fraud claim for identity theft and I have anything since then. I been trying to get these accounts deleted ever since I've known that they been on my credit. These are the dates I have and the amounts. XX/XX/XXXX in the amount of {$520.00} and the other one is for XX/XX/XXXX in the amount of {$740.00}.
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. (NY)

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 Account 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 # XXXX. 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 Date Opened : XX/XX/2003 Balance : {$10000.00}.
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NC)

Account Name RADIUS GLOBAL SOLUTIONS Account Number XXXX Date Opened XX/XX/XXXX  Balance {$340.00} Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Theyre also reporting inaccurate information on my profile with inconsistent data on my payment history with XXXX showing ND but XXXX, XXXX, XXXX, XXXX and XXXX all have C ( Collections ). Its my understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that " The data should be reported to the specified definitions in order to process credit information correctly. 

Collections is not from original creditor. I do not owe Radius Global Solutions- ( account # XXXX ) {$340.00}. I never heard of Radius Global Solutions and I never did a contract with them.
Consumer complaint received 2021-03-26
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. (NY)

I have told these people that the items they are showing on my report do niot belong to me. I have waited the time frame for them to repsond and it is like they are ignoring me or purposely leaving wrong inforamtion on my credit report which is messing me up.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-21
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. (WA)

The issue with Equifax is that they will not let me log into my Equifax account to check my dispute status and other services they offer. I called up Equifax two different times about the issue and got two completely different ways to fix it. The first person said that they would send me an email saying my account is fixed, but that has yet to happen. The second representative said that I had to fax in my social security card and other personal info. It does not seem like there is any process or the people who help you through it are not trained. Whenever I log onto Equifax I am given a number to call and it connects me to one of their representatives who can not help me access my account. 

I submitted a dispute with Equifax over the phone. I also reached out to the lender and they said they would fix the mistake on my credit report. It is important that I have online access so that I can monitor the status of my dispute.
Consumer complaint received 2020-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I have tried on several occasions to get this company to validate this debt meaning get copies of the entire account including payments so I can determine what was actually mine and what was fraudulent because my accounts were compromised. Resurgent Capital Services is working on the behalf of LVNV Funding LLC which purchased the debt from XXXX XXXX/XXXX Account. The only item I received was a closeout statement from XXXX with no detail attached. Please see the attachment. 

LVNV is also using deceptive practices in an attempt to cause additional harm to my FICO or XXXX score by listing itself as a Retail Company instead of a collections company. It has listed this loan type as a factory company. Additionally, it is stating my first delinquency was XX/XX/2019 to impact my score even further to trick the scoring system into believing that this is a recent late payment. Please see the document that Resurgent provided stating the charge-off date of XX/XX/2019. Even if this company purchased the debt on XX/XX/2019 legally they must report the actual charge off date. Lastly, if the charge off date was XX/XX/2019 how could LVNV report as the " Date Major Deliquencey First Reported '' of XX/XX/2019? 

In a further effort to drive my score down this company is listing a past due balance when, in fact, they are a collection agency and if the company, i.e. XXXX XXXX has already written this off on its profit and loss. I understand that a collection agency can report an outstanding balance but not list it as a past due balance. 

I believe this company has engaged in deceptive practices to harass me into paying a debt that they have been unwilling to validate.
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In 2018 I entered into an agreement to attend classes at a professional development school. After attending a couple classes I was not satisfied with the school and withdrew from attendance. The course was valued at approx. {$10000.00}. I agreed to an ACH withdrawal for the monthly payments of the costs of the classes. 
After withdrawing from the courses, the school continued to attempt the ACH debits which were disputed with the bank and refunded. 
More than a year passed with no contact from the school until I received an alert that a negative account had been reported on all 3 of the national credit reporting agencies. The school reported that my account was over 120 days past due. 
I disputed the negative item with all three agencies. The school responded to the disputes stating the debt was valid. The disputes were closed and the negative item remains. 
The reporting agencies advised that the only other recourse was to contact the creditor for resolution. When I contacted them I was told that they were not interested in discussing the matter further ; that the only resolution was to make payments and bring the account current. I advised that no further payments would ever be made, that I would no longer be attending classes there was no reason to pay. 
The next week I received another negative item alert from all three agencies that the account from the school was listed as charged off. Taking yet another major hit to my FICO score. 
None of the agencies or the school has offered any path to resolving this problem.
Consumer complaint received 2022-06-15
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. (CA)

I submitted a letter to the Transunion XX/XX/2022 to update this doubtful information. I think you have not authenticated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

I had unemployment in XXXX at which time I was issued a card. My unemployment ended sometime in XXXX and I discarded the prepaid card as it was no longer useable. The company US Bank then began depositing money back on the card due to my unemployment as a result of the pandemic. I have tried repeatedly to contact US Bank to report a lost card and order a new one. I have sat on hold for hours at a time. At the 3 hour mark their phone system automatically disconnects. I have called US Bank branches for help, I have contacted them on XXXX  and the representatives I talk to refer me to the phone number that is a dead end. I have been waiting on a new card for a month and a half. My credit score is being destroyed because I can not access the funds to pay my bills. This is greatly affecting my livelihood.
Consumer complaint received 2022-06-09
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. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Validate this false charge off it does not belong to me XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 2. Validate this false charge off it does not belong to me XXXX Account XXXX : XXXX As a consumer by law this must be deleted immediately 3. Validate this false charge off it does not belong to me XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.