davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/year>, I was notified by XXXX that there was unusual activity on my account. I called them immediately and after hours on the phone, being transferred from person to another, I was told that a transaction was made to a XXXX XXXX in the amount of {$2100.00}. I never Authorized or made any such transaction! I opened a case against this disputed amount with their Resolution Center. I immediately called my Credit Card Company and cancelled my credit card, told them that I had been hacked for that amount. I was issued a new card and have been trying to resolve this problem with both XXXX and Barclay Credit Card. My request for verification of what this transaction or services was for are being ignored. They state they have documentation provided by the merchant, but they have not shared that with me. 

In the meantime, I have done my own research and find that : on XXXX XXXX has an XXXX page in XXXX and I made a copy of that. This is pure hacking and I refuse to pay the Credit Card Company. They have now notified the XXXX XXXX XXXX which will effect my credit rating. I hope that you can help me find a resolution to this. Thank you.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX - XXXX : I have never paid late
Consumer complaint received 2017-07-24
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. (CA)

To whom this may concern, I am writing this complaint because Experian has not responded to my direct requests for support and I am unable to resolve outstanding issues on my credit report. Specifically, the outstanding issues are : 1. ) Experian maintains two known to be false living addresses for me. Including an invalid XXXX XXXX and incomplete address in XXXX. Both of these addresses should be removed because I have never used these addresses. ( Although I have previously requested Experian take such action, Experian has not responded to my requests, nor does it appear as though an investigation was even started. ) 2. ) Experian maintains an unrecognized account labeled as " XXXX XXXX XXXX '', yet this account appears to be the result of identity theft and should be removed. I have previously disputed this information with Experian but did not receive a response. This record should be investigated and removed. 3. ) I am unable to access Experian online or access financial services because Experian maintains the incorrect addresses on my file. This makes it impossible for me to answer address verification questions such as " Have you lived at your current address longer than two years? ". This makes it especially difficult to access any financial service because the two invalid addresses on my credit report do not match addresses on my identification or the true address that I have lived at. It also makes it impossible to dispute items online or upload information here : https : //www.experian.com/consumer/upload/
Consumer complaint received 2017-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I have no clue on a daily basis how much interest I owe currently, how much is supposed to go to principle when I make a payment, how much is going to go to interest, what my ending balance is minus my payment, and this is just my account on the website. It has NEVER showed me this information. My balance is on a different tab, the loan history is on a different tab, the payments never show the balance subtracted anywhere. I never have seen my calculated interest. Loan was changed to Navient in XX/XX/XXXX and I have n't known this information since XX/XX/XXXX. I wrote an angry email to them XX/XX/XXXX? about how unclear their statements are and NO ONE has payments and balances on different pages! No response to this. My payment to interest has been different every payment for 2 years along with my payment to the principle, and I have made over 24 payments along with extra large amounts to pay this off. My e-mails for over 6 months earlier this year ( during this time ), has said that no payment was expected until XX/XX/XXXX, because I had paid ahead. I spoke to Navient maybe in XX/XX/XXXX about this. My next email then said I owe $ 300+ because my income repayment has expired! After I talked to them! I do n't believe them at this time that I am signed up for the forgiveness program and I am into it for 2 years out of the 10.
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I signed up for XXXX cable and internet services in XXXX 2016. I called and cancelled before they could come and install anything because I found a better deal at XXXX. I check my credit report and XXXX sent me to collections for installment equipment they supposedly sent to my house which I never received. I called them. They told me to file a claim with XXXX which I did. Claim was issued and approved. XXXX still wo n't take their hit off my credit report
Consumer complaint received 2017-07-22
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)

i submitted a police report and identity theft and affidavit and and a request to block or remove fraudulently activity on my report and they said m police report was fake that they contact acted the police station and that was not true cause i called the police station.They continued to report negative items on my report
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I received an offer in the mail from HSBC  XXXX   XXXX  for balance transfers at 0 % interest for 12 months with {$0.00} transfer fee. I used  XXXX  of the checks to pay another credit card in  XXXX . On  XXXX   XXXX , transfer was processed by HSBC, transaction reversed on  XXXX   XXXX . I received no notification ( mail or e-mail ). When I called to inquire where the balance transfer was in the process, they directed me to security to answer some questions, this was supposed to release the balance transfer but did not. For four months and many calls they were unable to process the balance transfer without a fee, finally a manager processed the transfer and refunded the fee in  XXXX   XXXX . But now HSBC failed to honor the 12 months at 0 % and would only provide the offered rate until  XXXX   XXXX . After repeated calls in  XXXX ,  XXXX  and  XXXX  they were unable to extend to honor the 12 month offer.   The end result is I was offered 12 months at 0 % with {$0.00} transfer fee, after a tremendous amount of effort on my part, they provided 8 months. Institutional incompetence is no excuse for false advertising and fraudulent behavior.
Consumer complaint received 2017-07-23
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: WELLS FARGO & COMPANY (NV)

Wells Fargo Bank reported a liability of about {$8800.00} on my credit report for XX/XX/XXXX which had already been discharged on my credit report according to XXXX and XXXX credit reports on XX/XX/XXXX for myself, XXXX XXXX, and on XX/XX/XXXX for my wife, XXXX XXXX XXXX on the same reports for her credit. The item has not appeared on both our credit reports since XX/XX/XXXX until it appeared in XX/XX/XXXX without any kind of communication or notice from Wells Fargo. As further evidence that this item was NOT a part of my credit report, in XXXX of XXXX, I applied for and was approved for a VA loan for a house with my wife XXXX as co-borrower and this item was NOT on my ( XXXX XXXX ) nor my wife 's ( XXXX XXXX XXXX ) credit reports which the VA completed through XXXX XXXX, XXXX XXXX, NV, who along with the VA pulled my credit report score in order to determine eligibility for the loan. The loan was approved. This item also DID NOT appear on either my ( XXXX ) or my wife ( XXXX ) credit report when we were co borrowers for a loan on a XXXX XXXX XXXX truck when it was pulled by XXXX XXXX to determine eligibility for the car loan, which was approved in XXXX XXXX. This item also DID NOT appear on either my ( XXXX ) or my wife ( XXXX ) credit reports when we were both co borrowers for a loan for a XXXX XXXX car purchased from XXXX XXXX, XXXX XXXX, NV in XXXX XXXX, a loan which was approved with a reduced interest rate because of my credit and my wife 's credit scores. Furthermore, I have never received any written or oral communication from Wells Fargo bank about this item or its inclusion on my credit report. It appears that the item after being closed in XXXX of XXXX ( XXXX ) and XXXX of XXXX ( XXXX ), both recorded by XXXX/XXXX credit reporting agencies, has been re-added to my credit score after a three year absence from it when it was closed.
Consumer complaint received 2017-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (TX)

Original Creditor : XXXX XXXX XXXX ( collection agency- Central Control Financial ) I recieved a call from this agency -- They advised the debt was for my XXXX year old daught but, my name was on the insurance card that she used. Therefore, the company put it on my credit report, I never signed anything or had knowledge of any visited to this agency. However, my daughter has insurance through social security with medicated and it should have been charged. I am not responsible for her bills -- secondly, i found out through the credit report and they called from my report.. I did not have any insurance under my daughter in 2015 but, I am a victim of Identity fraud and furthmore, my daughter lives in XXXX County..
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Subject : Dispute of Two Late Payments Account Number : XXXX I am writing to formally dispute two late payments reported on my account under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). I believe these payments were reported incorrectly, and I request that you investigate this matter promptly. 

The disputed payments are as follows : 1. Date of Late Payment 1 : XX/XX/XXXX 2. Date of XXXX XXXX 2 : XX/XX/XXXXXXXX  In accordance with 15 U.S.C. 1666 ( b ), I request that these late payments be removed from my account and my credit report, as I believe there were errors in billing and the late payments were reported in error. 

Please correct this error on my account and provide written confirmation of the actions taken. Additionally, I request that you notify the credit reporting agencies of these corrections, as the reported late payments are negatively impacting my credit score. 

I appreciate your prompt attention to this matter and expect a written response within 30 days, as required by law. Please contact me at the phone number or email address listed above. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Analysts of MN, Inc. (MN)

I joined XXXX XXXX to find out that I had a {$96.00} outstanding debt from XX/XX/2011. I disputed the amount since I did not know about it. After disputing it with both XXXX and XXXX. XXXX  dropped it from my report and XXXX left it on my credit. The company in question : PROFESSIONAL CREDIT PO BOX XXXX XXXX, MN XXXX ( XXXX ) XXXX The above agency contacted me after I disputed the amount and wanted money. I told them to send me a copy of the bill and I would review it and pay if I thought it was right. I also stated I would not just send them money not knowing what it was for. I never received the statement or bill from this agency. After a month I did not recieve anything so I filed another request to XXXX to inform them that this needs to be investigated because I have received no information regarding this bill. Again they left it on my report and the same company contacted me wanting money with no documentation. I stated to them that I will not pay for this without documentation and that they need to remove it from my credit report because I have never received documentation for this bill. They stated that is not how this works. Another month has gone by and I still have not received any paperwork for this bill. They have updated XXXX and stated it is still due. Attached is the only information I have ever received which is off my credit report. Professional Credit has never sent me ANY documentation on this bill even after I have asked for it twice and told them I am disputing it.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (SD)

I noticed a unauthorized charge on my Fortiva card for XXXX and I attempted to call the XXXX to dispute the charge and the computer hangs up on me. 
I called Fortiva customer service and they told me to call back tomorrow as they was unable to help me when I called.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Subject : Demand for Removal of Dispute Status for Accounts To Whom It May Concern, I am writing to formally request the immediate removal of the disputed status associated with my accounts listed below. The bank mistakenly flagged these accounts as fraudulent, which is not accurate. I intend to question the validity of the late payment record, not to dispute the accounts themselves. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter serves as a formal and urgent demand for TransUnion to immediately block and remove fraudulent and inaccurate information from my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are legally obligated to take action within four ( 4 ) business days of receiving this complaint. 

The fraudulent accounts that need to be removed include : 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 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 XXXXXX/XX/XXXX ) These accounts were not opened, authorized, or initiated by me. They are the direct result of identity theft and fraud, and their presence on my credit report is causing significant harm and damages. I have attached a list of these fraudulent accounts as well as a copy of my consumer XXXX credit report, which clearly shows these inaccuracies. 

Furthermore, I have attached a copy of my FTC Identity Theft Complaint ( No. XXXX ), which serves as irrefutable proof that these accounts are fraudulent. Additionally, these accounts have already been **removed and deleted** from other credit reporting agencies, yet they continue to be inaccurately reported by TransUnion, XXXXg ongoing harm to my credit standing.

Your failure to properly validate the information provided by these companies is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I demand that all of these fraudulent accounts be removed from my consumer credit report **immediately**.

You are hereby instructed to delete these accounts without further delay and provide me with a corrected consumer credit report. Should you fail to comply, I will not hesitate to take legal action against TransUnion under 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( i ) for the harm and injury caused by your negligence.

This is your final warning. I expect full compliance with my demands and prompt resolution of this matter. Any further delay will result in immediate legal action.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One closed my credit card account today and when I called to find out why they closed the account they did not give me a direct answer. The first representative told me is was because of inactivity however I have been active with the card within the same month and previous month ( XXXX ). The second rep told me it was because I breached the agreement by not paying however I have bank statements showing that I have made payments. The last rep was asked to give me a valid reason why the account was closed and all he said was " it can not be reopened ''. Capital One has closed this account for no particular reason and are refusing to reopen it. Additionally, if they were to claim that I had misused the card which " breached the agreement '', the agreement we signed has an arbitration clause. This means that if there was any dispute we should have went to private arbitration which we did not. And as such I will not be paying ANY balance due as they have breached our agreement and demand/request that this agency removes this account from my consumer reports. I will also notify consumer reporting agencies to get this information removed from my reports for breach of agreement.
Consumer complaint received 2024-08-02
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.