davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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 (GA)

On XX/XX/XXXX, my mother 's Barclays card was lost and used illegally until I reported it. The company is saying even after XXXX investigations that the charges were not fraudulent because verification was done over the phone and via text. My mother lost her phones as well. Also during XX/XX/XXXX, XXXX, and XXXX a caregiver was at her house in XXXX, XXXX. The letter is enclosed that shows this. Please reverse all these charges as they are fraudulent. 

Again during the days of all these charges, my mother did not have the cards and phones used for verification. It was used by the criminal or criminals that got a hold of her cards and phones. The phone numbers and phones she lost were XXXX and XXXX. 

A police report was called into XXXX, XXXX  as well. I am including the employee verification document by the company that provides the caregiver for my mom. Their Phone number is XXXX and the incident was called in on XXXX.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I applied online for a Wells Fargo Cash Visa, it was approved and I requested to make 2 each Balance Transfers for XXXX 1 to pay XXXX XXXX  and 1 to pay XXXX it Card. They both were denied ( please see attached ). I received credit for XXXX balance transfer to XXXX XXXX. In XXXX I noticed my Wells Fargo Cash Visa statement amount was higher than what I had recorded I owed. I analyzed my account and became aware that I never received credit for the XXXX that should have been transferred to XXXX  Card amount of credit should have been XXXX  + XXXX Bank charges. I called Wells Fargo on XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX spike to XXXX and he stated XXXX will be checking to issue XXXX  reference number XXXX. I received response from Wells Fargo XX/XX/XXXX with an email ( see attached Wells Fargo Mastercard Payments Center Control Number XXXX ) I did not get any explanation of what this notice was for, I called Wells Fargo XXXX ( XXXX ) XXXX XXXX  XXXX and spoke to XXXX he said to call XXXX  Card which I did and got no response I also sent them a copy of email? This was not acceptable I contacted Wells Fargo and told them they needed to credit my account for the XXXX balance transfer and on XX/XX/XXXX they sent me another email like the previous one I received but this one had a sharpie marked thru some of the information, I still could not get a response from XXXX  Card. I sent Wells Fargo another message about credit for balance transfer and they responded with same email last I heard from Wells Fargo was phone call to XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX at Wells Fargo and he stated that Wells Fargo was closing my dispute and that XXXX owes me the credit because they received transfer? Also, said to call XXXX  and get refund I have sent them 2 emails, telephoned them and the only response I have received from XXXX is notice dated XX/XX/XXXX ( see attached letter ) that I needed complete an " Identity Verification Process ''. I called XXXX  on XX/XX/XXXX spoke to XXXX XXXX ( XXXX ) XXXX verified my ID and then asked him about the refund Wells Fargo said XXXX  owed me and he hung up on me.

The way I have been treated is absurd this refund should have been done in XX/XX/XXXX today is XX/XX/XXXX and I still do not understand why it is my responsibility to get refund from XXXX Card because balance transfer was never processed to my XXXX  Card both transactions were denied and I only received credit from the XXXX  transfer. I have enclosed copies of all transactions on XXXX  Card there is no balance transferplus my XXXX Credit Card does not show the {$500.00} balance transfer and my Wells Fargo Cash Visa does not show a credit for {$510.00} ( could not print out transactions on Wells Fargo Cash Visa Card for some reason the furthest I could go back was XX/XX/XXXX ). I just want to know who owes me the money and how do I receive it because I have had no luck with both Companies.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (NJ)

I am writing to dispute the accuracy of the Montgomery Ward account appearing on my XXXX credit report with I have never opened an account with Montgomery Ward and have no knowledge of this debt. I believe this account is the result of either identity theft or mistaken identity. 

I contacted Montgomery Ward directly and requested proof of a signed contract for this account. As of today,XXXX I have not received any documentation or response from the company, nor have they removed the account from my credit report. 
Therefore, I am requesting that you immediately investigate this dispute and remove the Montgomery Ward account from my XXXX credit report. Please note that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Please find attached copies of my communication with Montgomery Ward as supporting documentation.

Thank you for your prompt attention to this matter. I look forward to your confirmation that the disputed account has been removed from my report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (TX)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I filed this report because I recently noticed a derogatory remark on my credit report. The scathing remark states a late delinquency remark for my vehicle. I have always paid my vehicle loan on time for some reason, but XXXX XXXX wants to say otherwise. My payment record reflects all my payments were always taken on time. However, it seems that they misallocated my funds when I made my payments to them, which may have caused a discrepancy because after speaking with their representative, they checked it out. Even their representative had doubts about what happened. Her name is XXXX, and her employee ID is XXXX. I asked her to place the delinquency remark on the dispute, remove any derogatory remark from my account, and report the version as current to the credit bureaus. She started to claim that they did not receive the payment. I have records that show that I made my payment on time and before the due date.
Consumer complaint received 2024-07-08
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. (CA)

Several Erroneous issues and information on my credit report regarding several accounts, one is an account with XXXX XXXX XXXX  XXXX XXXX. Covered by XXXX protections. This detrimental and erroneous information has caused me to be under qualified for any type of credit acceptance. I have contacted them about several things on my credit reports and XXXX and XXXX has not resolved these issues and I have reached out to them for information and received no resolution. I can list errors from several companies and have tried to resolve it with XXXX XXXX and Experian to no avail.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed this report because I recently noticed a derogatory remark on my credit report. The scathing remark states a late delinquency remark for my vehicle. I have always paid my vehicle loan on time for some reason, but XXXX XXXX wants to say otherwise. My payment record reflects all my payments were always taken on time. However, it seems that they misallocated my funds when I made my payments to them, which may have caused a discrepancy because after speaking with their representative, they checked it out. Even their representative had doubts about what happened. Her name is XXXX, and her employee ID is XXXX. I asked her to place the delinquency remark on the dispute, remove any derogatory remark from my account, and report the version as current to the credit bureaus. She started to claim that they did not receive the payment. I have records that show that I made my payment on time and before the due date.
Consumer complaint received 2023-09-13
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)

I have a fraudulent account on my credit report that need to be removed XXXX - XXXX XXXXXXXX XXXX XXXXXXXX date opened. I sent in a letter for deletion about this account and no response from XXXX. Next my other concern is inaccurate reporting too XXXX, Transunion, and XXXX by XXXX XXXXXXXX XXXX and XXXX XXXXXXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (NC)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-21
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)

As per under Section 623 of the Fair Credit Reporting Act ( FCRA ) I am writing to dispute and have removed immediately the following information in my file : This item XXXX XXXX is inaccurate because of inconsistent reporting across all three credit bureaus. I am requesting that this be removed immediately for inaccurate reporting. I want a validation documentation with my wet signature on it, an actually hard copy signature from me with application, as I never ever applied for this. IF they cant provide this i want this removed immediately as they are violating my rights.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Incorrect Name - XXXXXXXX XXXX XXXX XXXX XXXX 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 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (NV)

I had a student loan with Great Lakes and when I called to let them know about my financial situation and that I was working for a State Agency, they recommended over and over to apply for forbearance and deferment. When I asked them about applying for the Public Service Loan Forgiveness program they advised I didn't qualify for that ( even though I worked for a state agency that does qualify ) and that it would be best to do the forbearance or deferment options. I mentioned I wanted to pay my loans but I just needed to reduce the monthly cost not defer them. They stated I wouldn't qualify for an Income-Driven Plan at that point and to defer the plan. So I went ahead and deferred the plan and then went into forbearance when directed. Finally, I spoke with someone else at Great Lakes ( after doing forbearance and deferment ) and they stated that I would have qualified for Public Service Loan Forgiveness and also for Income-Driven and they set it up, but then it was already a few years too late as all that time in forbearance and deferment should have been on the income-driven plan and public service loan forgiveness plans. This caused a lot of financial hard-ship now as now I have to try to get all those months to count that should have already been counted as I was willing to pay just needed the reduced amount due to my income.
Consumer complaint received 2024-07-05
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. (IL)

Ive reached out to all three credit bureaus 9-8 months ago and I still dont see these fraudulent accounts deleted off my credit report, Ive proven to them that these are not my accounts that were illegally open without my consent, and Im a victim of identity theft, this is not ethical and its ridiculous that I cant even use my own credit or fix it, I cant obtain a home or anything for my family please report these credit bureaus, or reach out to them on my behalf, Ive sent over 4 packet of letters.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (FL)

on XXXX  | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-05-21
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. (IL)

On XXXX XXXX XXXX I logged into the 3 Credit Burea accounts and realized I had unauthorized fradulent inquries on my accounts. 
On XX/XX/XXXX I reached out via phone to XXXX, XXXX, & Experian and all of them told me that there was nothing I could do about these unauthorized inquiries on my account. 
On XX/XX/XXXX I filed a online dispute on XXXX. 
On XX/XX/XXXX it was denied. 
On XX/XX/XXXX I filed my report with the FTC.
Consumer complaint received 2024-05-21
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency   may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the Written permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


To whom it may concern : I am officially asking you to review your data on file for me! Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 30 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2017-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (AL)

Dear Arresources XXXX XXXX XXXX, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of  receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from Arresources and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX XXXX