davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

I recently discovered three debt items on my credit report from WFXXXX CARD, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to WFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from WFXXXX CARD regarding my dispute. This failure to respond violates my federal rights under the FDCPA.
Consumer complaint received 2024-06-18
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)

This is my first attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/XX/year>
Consumer complaint received 2023-06-10
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$1100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made an online payment on XX/XX/XXXX from my Capital One checking account to my XXXX credit card managed by Capital One XXXX I received notification dated XX/XX/XXXX that my payment was returned, account closed. Knowing that my account was open with sufficient funds, I called Capital One Bank and proceeded to explain the situation for over 50 minutes. I was transferred from the Bank to the credit card department, where I was told that I had to call back tomorrow to have my fee reversed. finally speaking with a supervisor. I stated that I had an account that was closed by Capital One, but my new accounts were in good standing, and I have never had a problem in making a payment to any credit card or financial institutions, and that the closed checking account from XXXX doesn't even appear on my list of accounts. I was told by the supervisor that such a statement was " my opinion, '' when in fact, it is the truth. They told me I needed to call back to have the late fee reversed, and I said that was unacceptable, particularly given my 53 minute phone call today. I angrily ended the call, admittedly in my anger and frustration, using a curse word.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

Multiple PSLF forms have been submitted since XX/XX/XXXX. I have also included supplemental XXXX and banking statements showing direct deposits showing employment records for the months of XXXX. They recorded my end date or employment as XX/XX/XXXX and will not correct my record. My form continues to be duplicated and removed from the system. Every time I call they change the name of the form received and will no longer process. I have now called on several occasions and was told XXXX days again and this has been happening for 19 months. I have offered my resignation letter on several occasions and do not want it. I have shown direct deposits matching my XXXX.
Consumer complaint received 2024-07-03
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: EQUIFAX, INC. (NY)

I am writing to dispute and request the correction of a late payment reported on my credit file, which I believe is inaccurately reflecting my credit history. 
Upon realizing the issue, I immediately contacted XXXX to address the situation and rectify the missed payment. However, I was disappointed to find that the bank provided no satisfactory resolution and failed to take responsibility for the improper delivery of the statement. They informed me that the only recourse available was to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Given the circumstances, I believe it is unjust and inaccurate for this late payment to be reflected on my credit report. The late payment was solely a result of the bank 's failure to deliver the statement in a timely manner, despite my efforts to ensure prompt payment.The late payment in question is in relation to my account with : XXXX XXXX.
Consumer complaint received 2024-07-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Universal Account Servicing, LLC (TX)

Dear Team, I hope this message finds you well. I am urgently reaching out regarding a distressing situation involving an online coaching program offered by XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ), specifically their course titled XXXX XXXX XXXX XXXX XXXX XXXX, which I enrolled in since XXXX of last year. Here are the details : Upon enrollment, I was given only three days to cancel, with no other options to withdraw, despite facing personal challenges and later realizing the program did not meet my expectations. The program claimed to be rooted in XXXX values, which has proven to be misleading based on my experience. 

Efforts to contact XXXX XXXX, XXXX XXXX ( XXXX XXXX  XXXX ) via phone, email, and text have been met with consistent delays or no response, intensifying my frustration. Furthermore, they facilitated a loan through XXXX XXXX XXXX, but any support ceased once the loan was processed, leaving me and others feeling exploited. 

The initial cost of the course was {$29000.00}, a substantial financial commitment. During attempts to exit the loan, XXXX XXXX XXXX, the financing provider billed by third-party Universal Account Servicing , LLC, pressured me with threats of collection actions, resulting in additional payments to mitigate their demands. 

The sales process included undue pressure, unrealistic promises, and restrictive measures, such as prohibiting picture-taking, which targeted vulnerable consumers, particularly within the XXXX community.

Recently, a collections agency claimed I owe approximately {$30000.00} for this course, compounding financial and emotional strain. I urgently seek guidance on disputing this debt, seeking restitution, and holding XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) accountable for their practices. Assistance in navigating this matter and protecting my family from further harm is crucial. 

Additionally, ongoing health challenges requiring additional finances have further burdened my family. 

Please let me know if more details are needed to promptly review this case. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-06-18
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. (NY)

I recently reviewed my credit report and noticed some incorrect addresses. I found your website and have enclosed proof of my current address as required. Please remove this incorrect address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-18
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX  XXXX XXXX
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC. (CO)

Ally took over my XXXX account. Since then I have been unable to access my account online. I have made calls since roughly XXXX of last year and the representatives said the problem was being fixed. I have no way to check for fraudulent charges, what my monthly payment is, etc. I called today XX/XX/XXXX and the phone system has changed and there is no access to pay a bill. The representative I spoke to is now in another country and in trying to work with him I explained what I needed and he hung up. It's been at least 10 months since I started complaining about being unable to access my account online. I find it hard to believe they were unable to fix this problem after all this time. Now that they have changed their phone system, Ally has set up another barrier to overcome. I'm surprised they have gotten away with this. In talking with the representatives in the past they led me to believe it is a widespread problem, so I would be surprised if others aren't also suffering.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (OR)

I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my accounts records, it has come to my attention that the opening date listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my accounts records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2400.00}.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (UT)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

In despite of my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. I demand that you will help immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}.
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TX)

I made this claim with my bank XXXX because I made a transaction for an amount of {$880.00} on XX/XX/XXXX, at that time the merchant couldnt charge my card for " technical '' reason or connection problems so It wasnt posted or pending to my account. As a result the merchant didnt provide the product and the transacion was " closed ''. 
After almost 3 month later they same merchant charged my account without my permission and without giving any product. This is a kind of bad practice or fraud by the merchant, charging my card long time after the first transaction was tried. 
Right now im abroad so the phone number on profile is not working, if you need to contact me please send me an email Thanks
Consumer complaint received 2024-06-18
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)

They have been several inquiries that showing on my credit report without my authorization. Spoke with XXXX XXXX about having them removed. Its been over 30 days. Still havent got a response.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (MA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting mislea ding information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-18
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. (FL)

I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-18
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-18
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. (NY)

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. 

Let 's be clear : your decision to dismiss my legitimate claims is not only infuriating but also a grave injustice. I have suffered greatly from identity theft, and the impact on my life, financial stability, and emotional well-being has been immeasurable. 

I demand that you immediately correct this injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing the account from my file, but a disregard for the suffering I have endured. 

Regarding the following accounts : 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 2024-06-18
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. (TX)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.