davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Complaint Regarding incorrect Social Security, Name and Address on my Credit Report. 

Dear, Credit Reporting Agencies, I am Writing to Formally Complain about inaccuracies in my Social Security Number, names and addresses Records that have serious implications for my financial wellbeing and personal identity. 
Upon reviewing my Credit Report and Social security, I have identified multiple addresses that do not belong to me as well as names including a wrong social security number that are not associated with my identity. This not only affects my credit score but also raise concerns about identity theft and fraud. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I am requesting that you investigate these discrepancies and correct my Social Security records accordingly. The accurate information is as follows : XXXX. My Social Security is XXXX not the one ending on XXXX XXXX. My Correct Addresses are as fallow : a. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX b. XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX PR XXXX XXXX. My Names is been XXXX XXXX XXXX I have attached supporting documents, including copy of my identification and social security card to aid your investigation. I would Appreciate your prompt attention to this matter, as it is crucial for me to rectify these inaccuracies. 
Please Confirm receipt of this letter and inform me of the steps being takento addressed my concerns. I look forward to your response within the 30 days, as stipulated by the FCRA or earlier if is possible. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America took a auto-payment of {$42.00} on an account that I paid if full in XX/XX/year> ( the auto-payment had been canceled prior to BofA taking the payment on a credit card balance that had a zero balance ). Since XX/XX/year> I have made four attempts to get the balance provided back to me. B of A claims they have sent two checks and did " attempted '' to do a direct deport on XX/XX/year>, but yet they are still have not provided the {$42.00} balance credit that was not authorized. I contacted BofA on XX/XX/year> via chat only to be told to call customer service after several minutes. I do not wish to deal with BofA as they have no intention of refunding the moneys that I did NOT authorize to be dedicated from account.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (AR)

I went into XXXX XXXX XXXX XXXX to purchase an XXXX watch but change my mind about the watch. Ever since that day I have received a bill from XXXX XXXX XXXX although I never established service. I called XXXX XXXX XXXX last year and they told me they never seen any activity on the phone number that was assigned to this bill and they told me they removed the charges. I recently tried to get a phone service with XXXX XXXX XXXX and they claim that I owe a bill for this service that I never had. This is fraudulent billing and I do not owe XXXX XXXX XXXX  because I've never had service with them. Also they have turned this bill over to AFNI collection service for {$150.00}. Please remove this bill as I have never had service with XXXX XXXX XXXX.
Consumer complaint received 2024-10-05
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. (PA)

To whom this may concern my name is XXXX XXXX and this statement is being composed by me. Per the Fair credit reporting act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purpose of consumer reports. I demand the removal of the following accounts and incorrect information : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-10-05
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence of Engelhardt. V Gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX Balance {$5800.00}, XXXX XXXX balance {$1500.00}, XXXX XXXX XXXX {$310.00}, XXXX XXXX XXXX Balance {$11000.00}.
Consumer complaint received 2024-10-05
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. (LA)

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2018-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

2 unauthorized transactions were made from my Bank of America online account through a feature called XXXX that were not of my doing or anyone that I know. 

2 Transactions : XX/XX/2018 Transfer of {$1000.00} XX/XX/2018 Transfer of {$1500.00} These transactions were not authorized and money was being sent ( deducted from my checking account ) to a person/entity that I have no information on. The number it was sent to is a anonymous free phone number made up. 

Claim # : XXXX was closed on XX/XX/2018 and was not resolved in my favor. I lost {$2500.00} due to fraud and Bank of America gave me no other detail in the resolution letter other than the fact that these transactions were " authorized '' to which they were not. They said if I shared user id/password info with anyone to get into my account that these were valid. I did not share any log in details with any one.
Consumer complaint received 2018-03-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Clearview Resolution Services (PA)

I tried to work with XXXX XXXX and I asked them to stop taking bi-weekly payments for a week or two and when then would not I closed my bank account. A few month later they sent my information to a collection company called Clearview ever since I have been getting non stop harassment calls. They call family members including my elderly parents and my dad who is extremely ill with XXXX XXXX. I'm including everything that I found on this company plus email that I sent to them trying to resolve the issue. 
I have been wanting to pay them by either a cashiers check or money order and they do not respond to my request. I even spoke to them and they only want my current bank information or debit card number which I refuse to give. XXXX XXXX did offer a settlement of {$700.00} and no one has responded to that email. Now, for every harassment call I receive I'm deducting for what I owe them since I feel they are not really interested in settling they only want my bank information to continue to take money out. 
Here are a few of the numbers that continue to call, it changes dailyPlease stop the harassing calls. I got two more today. I sent you several emails ( see below ) and I have requested an address so I may send a money order or cashiers check.

I do not want calls. I want an address and will send the settlement per my conversation with XXXX XXXX and for ever call the settlement goes down for my pain and suffering of being harassed ; so now it's {$610.00}. 
XXXX XXXX XXXX -XXXX. XXXX XXXX XXXX - XXXX XXXX phone numbers. 
They tell me the authorities will be coming to arrest me and they are taking me to court.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

Back in XXXX of 2024, Wells Fargo allowed someone to hack into my account and set up multiple direct payments without any security measures. I reported this immediately, but the hackers were able to drain my entire bank account over the weekend due to Wells Fargo 's incompetence and refusal to freeze my account. This caused my payments to bounce, and it took me months to get my money back. They also refused to refund {$1100.00} from a XXXX and XXXX Bank transaction. 

Now, on the XXXX of XXXX, I logged onto my account to see that they had allowed a hacker to set up another payment to a XXXX XXXX XXXX XXXX XXXX ( I live in Oregon ). There was no alert to me, no text for verification, nothing. I've asked Wells Fargo to please set up multi-factor authentication for this recurring issue, but they said they don't offer multi-factor authentication for direct payment setups. I have XXXX other banks, and I have multi-factor authentication through all of them. I've never been hacked into any of those accounts. However, within the last XXXX months, I've been hacked into my Wells Fargo account twice, and Wells Fargo is refusing to fix their security breach to protect my money. Their website states that they have XXXX security monitoring, but they have not caught any of these fraudulent transactions.
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (AL)

I have attempted to contact Eastern Account Systems by mail, email, and phone to verify an item that appears on my credit. I have never received any written communication from this company that I owe them anything but, it was added to my credit file. There has been no response to written correspondence ( U.S. postal mail, email ), and I was instructed to leave a voice message when trying to reach them by phone. I have yet to receive a response from them.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX continues to run my credit regardless of the credit freeze on my social security number. I have gone to the local police but they can not have the credit inquiries removed from my Trans Union credit report, nor can they do anything in regards to my stolen social security number. Please remove ALL XXXX XXXX inquiries from my Trans Union credit report. I was told these are BLOCKED but that is NOT TRUE. These inquiries are CLEARLY on my credit report and need to be REMOVED IMMEDIATELY.
Consumer complaint received 2018-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I graduated from XXXX XXXX in XXXX. I plan to work for a XXXX XXXX  and so initiated on the income based repayment plan, with hopes I would qualify for the Federal Student Loan Forgiveness program. Initially, this was not a big issue. However, several years ago, my loans were transferred to Pennsylvania Higher Education Assistance AgencyXXXX and ever since even enrolling in income based repayment is an issue. This year, I submitted my financial information via two sequential paystubs at the end of XXXX. Apparently, they sent me a letter ( otherwise, all my payments/communication done via email/online mailbox in this system ) telling me this was not accepted as it did not state if I was paid twice a month or every other week so it was refused. I started to be billed for regular payments on a standard 10 year plan, with a monthly payment of ~ {$3700.00}. I work in XXXX XXXX and finally called - all they needed was for me to tell them over the phone and resubmitted the request last week ( XX/XX/XXXX ). On XX/XX/XXXX, I received the following message " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. '' I called them today ( XX/XX/XXXX ) and after a 15 minute wait to get someone on the phone, they state that this was generated in error. The gentleman I finally spoke with on the phone did state I needed to make a forbearance payment before even being eligible to switch the plan. He put in a request for this, and I should get a bill for this in XXXX or XX/XX/XXXX, after which they will reactivate my request and hopefully approve me again for income based repayment.
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

XXXX XXXX XXXX has two accounts in collections on my credit. When asked to validate the debts ( one for {$690.00}, one for {$400.00} ). They did not respond. 

They sued me in small claims last year ( XX/XX/XXXX ) for the line item on my credit report with a {$690.00} amount. I came on the date to answer and told their attorney that I did not know who he was. He set a court date with the clerk. XXXX XXXX did not show up for the first primary hearing and I filed a motion for them to provide validation of the debt, including signed contracts ( not provided in the claim ), an assignment of debt that isn't just an over night dump ( not provided in the claim and without my name attached ), and how they came up with these amounts. 

I have never worked with XXXX XXXX before and have no idea who they are. They did not provide validation for the court within the allotted thirty day  time frame, they did not show up for our final hearing, and the case was dismissed. They continue to report these debts. On top of that, I have disputed these with XXXX, XXXX, and XXXX, and even with giving them court papers showing that the debt has not been validated, they continue to report these debts as accurate because after disputing, XXXX XXXX continues to report them to the CRAs that way. 

I contacted XXXX XXXX immediately after the court dismissed the case, letting them know that they need to quit reporting to the credit reporting agencies, and I sent the credit reporting agencies proof and court documents that this debt is not validated, yet after disputing with the CRAs and providing the CRAs with the court documentation and the creditor 's lack of validation necessary to verify a debt ( or even collect successfully in a court ), XXXX XXXX is continuing to report these debts as verified. 

XXXX XXXX did not list the item as disputed on my credit reports, and they were under dispute since litigation began on XX/XX/XXXX. I have credit reports printed out from XXXX still showing that they were not listed as disputed up until 3 weeks ago. This is a violation of the FDCPA. 

I am exhausted from asking this company I've never worked with for validation that these two debts are mine, and they have continually violated the FDCPA ( did not list debt as disputed, verifying debts to the CRAs that they can not validate ). 

XXXX, XXXX, and XXXX continue to report these unvalidated debts even after countless phonecalls and attempted disputes.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet XXXX XXXX XXXX XXXX has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on Trans Union.
Consumer complaint received 2018-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT
Consumer complaint received 2018-03-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2018, I sent a letter to XXXX XXXX to have my address updated to my current home, I have asked the company to send me there verification paperwork as to all collection accounts on my credit report and continue not to receive anything from them. If no accurate verification paperwork is presented where I signed please have it deleted off my report. I have asked this for the past seven months and Experian continues to neglect my wishes and keep reporting inaccurate information. XXXX  in less that thirty days complied and with verification deleted every item reported wrongfully on my credit report. AlI I ask is for XXXX XXXX to do the same, evidence will be attached. I can not establish any new credit with all the inaccuracies on my credit report.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AL)

Regarding that doesn't mean that I am only person in this world goes to this places so that is nor accurate enough and it doesn't matter my account was closed so I am move my money back and any funds owe to me on open dispute I want. I am contacting further people bc my account closed based off of my complaint I know it Show quoted text No I am fine with that but this is not the last I will seek legal action because this is a country where millions of people go to the same place or can go to the same place. I am really glad you did it the way you did because I have my team already ready this company is a joke and several people file cases against you off the same thing you are doing to me but I will have my money put in more trusted bank. you send the letter after you close my account which make no sense but you was corresponding to me and the other money deposit. so you onkly close it make you look good and the war will be on. I have bank with this company over 6 years and haven't been risk factor in 6 years so this is XXXX. 
Show quoted text as long as my tax returns and my checks coming to this account wasn't no small money either so miss me with the risk factor the risk factor is you Show quoted text