davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

I earned a XXXX XXXX XXXX in XX/XX/XXXX and a XXXX in XX/XX/XXXX, after which I had more than a {$100000.00} in student loan debt ( my XXXX loans had long-since been paid off ). For 10 years while XXXX at a XXXX XXXX, I made my income-based repayments, submitting the paperwork each year to keep my payments manageable. Without the income-based provisions, my payments would have been approximately {$1200.00}, almost half of my net income. My loans were first serviced by XXXX XXXX, which they transferred to Navient beginning in XX/XX/XXXX. Each year with my income-based renewal paperwork, I submitted a letter inquiring about the Public Service Loan Forgiveness program. Each time I was simply told that I could not apply until I had been making payments for 10 years. After a year of service through Navient and reaching the 10-year mark, in the spring of XX/XX/XXXX, I applied for loan forgiveness using their online form. It was only when I received a denial of forgiveness letter telling me that I was ineligible that I learned I was consolidated under the wrong program. I had never been told that I had to have my loans consolidated with the Federal Student Loan program. The consolidation under the correct program is now complete, though that has been problematic because I have had conversations with both the StudentLoans.gov office and Navient, with differing responses about what my new payments will be ( although, at least I was given a forbearance while the loans were processed ). However, the one consistency has been that my 10 years of payments have mattered not, that I will have to pay for another 10 years before I am eligible for forgiveness. Because I am not able to make a dent in the principle, my student loan balance is now over {$120000.00}.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (NC)

Good afternoon, I applied for and received a Wells Fargo Cash Wise credit card. The card offer stated that I would receive 0 % interest for 12 months. However, I have only had the card a few months and they have charged me interest for the past two months. I contacted Wells Fargo and they credited me back the 2 months interest, but they did not change my interest rate back to 0 % In addition, I was supposed to receive a {$200.00} cash bonus after making {$1000.00} in purchases, which I have done. However, I have not received the {$200.00} bonus. I have inquired about this two times, but I have not received the {$200.00} bonus. 

Attached is the offer that I responded to.
Consumer complaint received 2023-07-11
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)

Apparently there on my credit report looked at tonight on XX/XX/2022 there is credit card XXXX credit card in my name mind u me and my father have same name I'm the 2nd he's the first I am very upset that this is on my credit without my recollection and want to file fraud on this account would like to get it resolved
Consumer complaint received 2023-07-11
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: Affirm Holdings, Inc (MN)

I received a letter from XXXX XXXX Notice of Data Breach. My personal information was compromised. I am a victim of identity theft. Someone opened a fraudulent Affirm Loan Account using my personal information and identity. I never applied for any loan or account with Affirm Loan Services. The Affirm Account is a fraudulent account and not my account. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Consumer complaint received 2023-07-11
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. (MI)

This is my 7th 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 the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-09
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. (AZ)

This auto loan has been disputed multiple times to no avail. It shows as 120 days past due when it's been over 3 years since the last payment was made. This is a FCRA VIOLATION. I expect this to be removed from my CBR at once.
Consumer complaint received 2023-07-11
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. (NJ)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am currently working overseas and was advised by my Bank that they could not transact an overseas wire without a personal visit by me to the Branch. 
Accordingly, I flew back to USA. 
I visited the Citizens Bank Branch in XXXX XXXX, XXXX personally on XX/XX/2023 and completed paperwork for an overseas wire transfer to XXXX. {$140000.00}. 
I dealt with XXXX XXXX and the Branch Manager XXXX XXXX. 
after 10 days, when the wired money failed to arrive, I contacted the Bank and was advised that the wire had been cancelled due to an error on their part. 
The Bank advised : I was able to call the wire department to see what happened with the funds for the wire. The wire did end up being canceled due to typographical errors on their end. 
The Bank acknowledged that the error was made by them. 
I subsequently spoke with the Bank and asked them to reinstate the wire transfer. 
The Bank stated they were unable to send the wire again unless I visited the Branch. 
By this time, I had returned overseas. 
This is a Bank error and they have made no effort to correct the error or reinstate the wire. I am now overseas and unable to call at the Branch.
Consumer complaint received 2023-07-11
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 (MD)

I was payed today ( XX/XX/2023 ) by my job direct deposit to my Wells Fargo account of {$1000.00} but i had an overdraft of - {$110.00} so that left me with {$900.00}. I just checked my account around midnight to make a money transfer to see i now have an available balance of {$1.00}. In my transactions it shows XXXX took {$900.00} in four different transactions that were all unauthorized. I dont know how this happened but please i need help in getting my money back its all i had and i have to pay bills, please.
Consumer complaint received 2023-07-11
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-11
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. (MN)

I received a letter from XXXX XXXX Notice of Data Breach. My personal information was compromised. I am a victim of identity theft. Someone opened a fraudulent XXXX Loan Account using my personal information and identity. I never applied for any loan or account with XXXX Loan Services. The XXXX Account is a fraudulent account and not my account. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2023-07-11
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 requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2023-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

At roughly XXXX XXXX  on XX/XX/2022 my phone was stolen out of my hand while I was using it in public. As a result, the burglar was able to get into my password protected phone, and sent/spent over {$15000.00} using XXXX PayPal and XXXX linked to credit cards and checking accounts with XXXX XXXX XXXX XXXX, XXXX, PayPal and XXXX  of XXXX XXXX I notified all of my banks ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, PayPal ) of this situation the following day. XXXX XXXX, XXXX and XXXX reversed the transactions. PayPal, however, did not. PayPal did not reverse {$2000.00} in charges from PayPal sent to two individuals, and stated over the phone that it was my fault that this occurred. Despite successfully reversing the payment from XXXX, the source bank, they stated that if I did not pay this balance that it would be sent to collections, in my state of immense distress I paid the balance. 

After initiating the second complaint, PayPal responded that the unauthorized transaction was not unauthorized because " your login activity remained consistent before, at the time, and after the payments were initiated. '' Since this person *stole my phone* like I explained and was using my phone to perform these transactions, they of course would have the exact same login activity since they were clearly able to get into my phone and continue to make the transactions. PayPal for whatever reason is not able to grasp the fact that this person STOLE MY PHONE AND WAS USING IT. A phone is not a person and being able to get into a phone does not mean that the person using the phone is the owner of the account.

Since this is the third complaint that I have filed and PayPal has not paid me the money back, this will be the final complaint that I will file before initiating a lawsuit.
Consumer complaint received 2018-03-30
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: EQUIFAX, INC. (OK)

In XX/XX/XXXXthere was a bankruptcy filed. Once the bankruptcy discharged there was a huge amount of issues on my credit report. There were accounts that were included that should not have been. The bankruptcy court contact information was inaccurate, the amounts, phone numbers and case numbers. I sent letters to the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to correct or update the information. None of the three credit bureaus updated the information nor removed the bankruptcy. I sent credit report dispute letters certified mail to both XXXX  and XXXX  on the XX/XX/XXXX. They were both received onXX/XX/XXXX. I followed up with both of them and XXXX also completed a phone dispute as well. I received an alert response onXX/XX/XXXX. I called XXXX in regards to the bankruptcy dispute. The agent notified me that it was confirmed and updated. I asked whom did they contact to confirm the bankruptcy information? The agent advised me that they used a third party system and did not want to provide me with the system. I advised them that I have access to systems as an XXXX and that I did not see any documentation either. I also explained the agent that according to the FCRA Act that the credit bureaus would need to update the correct information or remove the bankruptcy. I have also disputed accounts that were inaccurate along with huge amount of inquiries that were not authorized. I have reached out to all three credit bureaus and this issue still has not been resolved. I am a military service member and I should not have to constantly deal with these issues.
Consumer complaint received 2023-07-11
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. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (TN)

On XX/XX/XXXX, I received a missed call. It said MBA Law Firm. Turns out, it was it was Mitchell D. Bluhm Law. They first asked me to verify my information. I have never heard of these people. Then they proceeded to tell me I had a debt. At first they wouldnt tell me but I finally got them to tell me it was a debt for XXXX dollars from the XXXX department of XXXX XXXX XXXX from XXXX. I have no knowledge of that. At that point in time I was on a charity program at the hospital and my mom took care of my bills. I told this place I had no debts. I then contacted the hospital and they had no knowledge of any unpaid bills. I called radiology and it was the same. I then called MBA back and told them that the hospital said that, and MBA proceeded to stutter and tried to say that the hospital wouldnt know. Then they let it slip that they bought my medical information, which violates HIPPA 4 days ago. I then got my sister involved but they refused to talk to her. I then proceeded to request and look up my medical records and discovered there are no unpaid bills. The timing is odd as well, y mom who took care of some of my bills, passed away XX/XX/XXXX. In the 2 years they claim I owe, I have not received a bill, letter, phone call, nothing from anyone. This is the first Im hearing of this. Ive tried to talk to these people but its useless. I also discovered that this place is masking a local number and the firm is actually located in XXXX, Texas. Mitchell D. Bluhm is not even a real lawyer, the Texas Bar doesnt have him. Ive also read other complaints about these people. This is a scam. Ive talked to the hospital and others and I have no unpaid bills. I am also in the process of moving and buying a place to live. I dont need this. Someone has to investigate this place.
Consumer complaint received 2023-07-11
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-11
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. (NY)

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 these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCMI Corporation (WA)

when I called to pay the amount of XXXX due today XXXX18 as documented they refuse and said the payment was now XXXX dollars more. they refused to take my payment so I contacted to the hospital where the bill was from XXXX who did take the original amount of XXXX paid in full to them not the collection agency who refused to take the amount that the sent out to a letter to me on. I do have documentation o this and recorded phone calls to back my account.