davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (WY)

I requested confirmation on the debt when XXXX XXXX XXXX called me. They sent the information, however, they have no standing to collect the debt. No where in the contract does it say that it can be collected by a third party. In-fact the contract at page XXXX which is attached specifically states that " WE MAY REPORT ANY INFORMATION ABOUT ANY LOAN WITH US TO CREDIT BUREAUS. '' " We '' being Speedy Cash and not XXXX XXXX XXXX. XXXX XXXX XXXX nor any collection agency are listed in the contract and thus must remove this from ALL of my credit reports immediately and cease contacting me.
Consumer complaint received 2024-08-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WY)

I requested confirmation on the debt when National Credit Adjusters called me. They sent the information, however, they have no standing to collect the debt. No where in the contract does it say that it can be collected by a third party. In-fact the contract at page XXXX which is attached specifically states that " WE MAY REPORT ANY INFORMATION ABOUT ANY LOAN WITH US TO CREDIT BUREAUS. '' " We '' being XXXX XXXX and not National Credit Adjusters. National Credit Adjusters nor any collection agency are listed in the contract and thus must remove this from ALL of my credit reports immediately and cease contacting me.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (TX)

I had a reservation from XXXX XXXX and XXXX XXXX XXXX, with holds in the amount ts of {$100.00} and {$40.00}. Cashapp asked for documentation on letterhead which I did and they are still refusing to remove the holds. They are saying after 30 days they will investigate the hold. Even after 30 days there is no promise they will remove the hold.
Consumer complaint received 2024-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MT)

I called Navient on XX/XX/24 asking for a copy of each signed loan agreement and they told me I needed to submit it in writing, so I did through the portal. I received a letter back saying they would mail it to me and to allow XXXX days to process. Ive never received my documents.
Consumer complaint received 2024-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (MI)

I contacted UAS using the below email.

Dear UAS, I am writing to express my serious concern regarding the recent increase in my loan balance, which now exceeds {$20000.00}, despite my consistent monthly interest payments. My records indicate that I have an in-school forbearance until XX/XX/year>, and during this period, the principal balance should remain unchanged as long as I continue making interest payments. 
Over the past few months, I have noticed that each statement reflects a slight increase in the total balance. This discrepancy has now resulted in an inflated balance of over {$700.00} above the original amount of {$19000.00}, which I find unacceptable. The original balance should not change after interest payments are made, and I fully expect UAS to correct this error promptly and restore the balance to the correct amount. 
I have already contacted the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, as I believe this discrepancy is both egregious and potentially predatory. If this issue is not resolved in accordance with the original terms of my lending agreement, I am prepared to pursue legal action under the Truth in Lending Act ( TILA ).

Please investigate this matter immediately and provide a clear explanation for the increase in my loan balance. If there has been an error in calculating my interest payments, it is the lender 's responsibility to correct the balance accordingly. 
I look forward to your prompt response and resolution of this issue. 
Sincerely, -- XXXX XXXX ( contact info )
Consumer complaint received 2023-10-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Through XX/XX/, Wells Fargo is offering a {$300.00} bonus for opening a checking account and a {$520.00} bonus for opening a XXXX account with at least {$25000.00}. Deposits of {$25000.00} must remain in the XXXX account for 90 days. I opened a checking account and a XXXX account on the same day, XX/XX/. I received the {$300.00} bonus for checking account on XXXX, but did not receive the {$520.00} bonus in my XXXX account. I called Wells Fargo on XXXX at XXXXXXXX XXXX to inquire about this and was told that I did not have the required balance at the end of the first period. I asked him to double check my account and he finally agreed with me and asked me to go to the branch to correct it. I went to the Wells Fargo branch at XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XXXX at XXXXXXXX XXXX to make it right. I spoke to branch manager XXXX XXXX XXXX and she said I would only receive one bonus, not two. I asked her why your bank chose to give me {$300.00} instead of {$520.00} when I opened two accounts on the same day. I disagreed with her. Wells Fargo 's terms state that you are not eligible for this offer if " You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past 12 months ''. I have not received any SAVING offer bonus nor have I received any Checking offer bonus in the past 12 months. Additionally, the banker who helped me open both accounts did not tell me that I would only receive one of the bonuses. Instead, the banker entered and verified the promotional code for my checking account and XXXX account for me.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information : XXXX XXXX  - PAID IN FULL! The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-04
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (NC)

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc. (LA)

First I did give this company a 60-day notice However, it's in the collection. I tried calling the company and attempted to have a civil conversation with I believe her name is XXXX, but she continued to talk over me, I merely trying to ask a question, Please keep in mind I'm calling to try and resolve the issue. she hung up the phone. I called back she hung up the phone again. Not sure what I can do now
Consumer complaint received 2024-09-04
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 have a lot of accounts and inquires on my consumer that are not there as a result of effort. I am resubmitting this report because the credit agencies are stating I did not send proof of identity, and the identity theft report submitted with the last complaint don't look real. So, I am sending proof of identity on this platform so there should be no excuses on why the items are not removed.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the presence of a bankruptcy record on my credit report that I believe was reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to resolve this issue by contacting both the bankruptcy court and your credit bureaus, I have not received any response. 

I have requested information from the bankruptcy court and from your bureaus regarding the authorization and accuracy of this bankruptcy record, but I have yet not received a response. This unauthorized reporting has negatively impacted my credit profile and is in violation of the FCRA, which requires that only accurate and authorized information be included in credit reports. 

Under the FCRA, I am entitled to have my credit report reflect only information that is accurately reported and authorized. Since I have not received a response from either the court or your bureaus confirming the authorization or accuracy of this bankruptcy, I believe this entry to be improper and request the following actions : 1. Immediate Investigation : Conduct an immediate investigation into the validity and authorization of this bankruptcy entry.

2. Removal : If it is determined that the bankruptcy was reported without proper authorization, remove the entry from my credit report and all associated accounts included in the that Bankruptcy promptly.

3. Confirmation : Provide written confirmation of the actions taken and an updated copy of my credit report showing the removal of the unauthorized bankruptcy entry, and all accounts included on it.
Consumer complaint received 2022-07-13
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. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services (GA)

I recently checked my credit report. i noticed that i have been a victim of Identity Theft and found numerous credit inquiries that i have no knowledge of. Here are the inquiries : XXXX XXXX XXXX XXXXMERCEDES BENZ XXXX XXXX XXXX MB FIN SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX MB FIN SVCS XXXX MB FIN SVCS XXXX Please remove these fraudulent inquiries off my credit report. I also attached my identity theft report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

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 misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

The following inquiries were done fraudulently in my name due to my XXXX being exposed in a data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are hurting my ability to obtain credit. It's my understanding that you will investigate these accounts for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-07-13
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XXXX XXXX Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
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: Experian Information Solutions Inc. (WA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-27
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. (TX)

This issue is deeply concerning to me, as it is affecting my ability to XXXX. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I would like this inquiries to be removed from my Experian credit report please, down below i will be listing them. 


Experian XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> 2024