davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WI)

I received a debt collection letter from a disconnected XXXX XXXX service back in XXXX ( 4 years ago ). 

I never once received any communication of further debt owed in between the 4 years. 

I placed the debt collection in dispute with the debt collector and asked that they validate the debt. 

I then contacted XXXX XXXX  on XX/XX/XXXX by chat to obtain written validation of debt from XXXX XXXX. 

I spoke with a representative named XXXX. She confirmed that my account ( XXXX ) was fully paid off 4 years ago. My husband checked his bank statement and found the last payment of {$650.00}. 

I received a letter from the debt collection agency ( dated XX/XX/XXXX and agency I.C. System ) that XXXX XXXX indeed validated the debt and I still owe {$650.00} that was fully paid back in XX/XX/XXXX.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Consumer complaint received 2024-05-08
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: OneMain Finance Corporation (TX)

I applied for a car and only gave the dealership authorization to run my credit once. Instead they ran it multiple times. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.
Consumer complaint received 2023-11-15
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. (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 items 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I disputed this account when it was reported on my credit report. I asked for validation of the account with the company. All I was given was the original creditors name. This company has been reporting to the credit bureaus monthly with payment updates or lack there of like I am in agreement with them to make payments. They have also recently updated the balance on the debt to include about another {$300.00} that I also do not owe. The company removed the balance and then updated the next month with the same balance that I disputed. I was not given a written notice that this debt was being collected upon or that the balance had even changed.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo kept charging me overdraft fees and continued to let the card be used. I told them the account was closed There was no money left yet they kept allowing it to be used and charged a ton of overdraft fees. I complained a lot but they didnt do anything
Consumer complaint received 2023-06-26
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. (FL)

TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX, IM HAVING A PROBLEM XXXX XXXX XXXX XXXX BACK IN 2018 THEY PUT A 30 DAY LATE ON MY FILE THIS YEAR AND THEY WHERE PAID OFF, THEY SAID I OWED XXXX DOLLARS AND I DONT, AND THEY WILL NOT TAKE IT OFF. I CALLED ALL THREE CREDIT COMPANIES, AND THEY WILL NOT HELP ME. IM FIGHTING XXXX XXXX AND THIS IS VERY HARD ON ME. AND THERE ARE FRAUDULENT INQUIRIES AND A COLLECTION ON MY CREDIT FILE THE NAME IS XXXX XXXX XXXX IN THE AMOUNT OF XXXX AND I DONT KNOW WHAT THIS IS.ALSO XXXX XXXX XXXX XXXX XXXX I WILL ATTACH MY FTC REPORT WITH ALL OF THE INQUIRIES AND THE FRAUDULENT COLLECTIONS ACCOUNTS.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I was going through them to help me fox my credit debt. But they were charging fees and ended up not paying my debts on time and then I had late fees ot was alot when I would pay them the lump sum every month and still showing bad debt anyway. My credit score got worse by not everything being paid when it was suppsor to consolidated. I do not have the account no more because I had to file bankruptcy because it was to much to handle to pay them and they were not paying on all my debts.
Consumer complaint received 2018-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

My loan has been sold multiple times for repayment of the loan. I have been making my most recent and up to date payments of {$100.00} per month for 2 years to Navient solutions LLC.  Despite my payments they are sending me notices of default. They returned my payment for XX/XX/XXXX which I sent right back. They are trying to get my taxes in order to pay more into my loan. I am unclear as to why my account is considered in default. I am also unclear as to how my payments are being applied. I am not provided with statements showing my month payments have been applied. I have attached my payments of {$100.00} from the years XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/ Balance : {$2500.00}, XXXX XXXX XXXX XXXX XXXX  Open Date XX/XX/ Balance : {$2700.00}
Consumer complaint received 2024-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (HI)

I was charged {$240.00} from XXXX XXXX on XX/XX/XXXX. XXXX cancelled my flight. Per federal law the airline is required if purchased within 24 hours which it was the same day to offer a cash refund. Capital One refuses to dispute with the correct information that XXXX cancelled my flight the same day I paid. I provided them documents to support this. A refund policy does not apply when a airline cancels a flight on there own accord. The federal law is golden on this transaction. 


A federal rule announced Wednesday will require airlines to quickly give cash refunds without lengthy arguments to passengers whose flights have been canceled or seriously delayed, the XXXX administration said. XXXX XXXX, XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have sent several remittance coupons in to your payment processing center. I have talked to the supervisor of billing disputes, it seems like im being ignored. I sent in a negotiable instrument this last time. Of which seems to have disappeared along with my remittance coupon. Incorrect information has been reported to the credit agencies and damaged my ability to use my credit. I have sent in my payment and none of which has been returned or applied to principal. I have no problem paying my debts, but i will not be forced to fraudulently pay double.
Consumer complaint received 2023-06-19
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo closed my saving account saying it was overdrawn XXXX I deposited 2 checks in that Wells Fargo sent me for falsely opening credit monitoring account in my name then they took the funds out of my account saying that those checks were paid which they had not been.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Date Opened XXXX {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

Ive been in constant contact with Mohela since XX/XX/XXXX, regarding my credit report and refunds owed to me because my loan was forgiven. Ive spent numerous hours on the phone with over 25 representatives and supervisors and an advanced agent and I can not get any definitive answer from any, Ive been getting different answers from every representative, after hours and hours of being on hold. Ive put in 2 requests for an investigation to be done as to where my refunds are and i keep getting told different time frames it takes. I just talked to a supervisor XXXX yesterday and now she's telling me to give it ten more days. Ive been told refunds go to original form of payment, and ive explained to them I've been through a divorce since.I also told them why didn't they send out any mailing asking if accounts had changed or anything, we're talking 5 years ago, people 's accounts change and life happens. I originally was told XX/XX/XXXX hrs for investigation, so I call back XXXX XXXX, and was told to give it another XX/XX/XXXX hrs, so i called back again on the XXXX and was put through to a supervisor call back line and waited for days and finally got a call back from an advanced agent and she said it takes 89 days, and on XXXX XXXX XXXX supervisor ) told me to wait 10 more days. Noone can give a straight answer to anything! Ive been doing research and ive seen even on social media that its not uncommon for Mohela to give people the run around! Id just like to know where my refunds are that are owed to me. I also had put in 3 secure messages to them and have had no response! I also request an itemized list of refunds owed and where they went, and XXXX told me they denied that request, don't I have a right to know this? Mohela has hundreds of complaints on XXXX XXXX XXXX doing the same with other customers. I would like to know where my refunds are or when to expect to getting them. I can not get a answer from any representative there. I've also emailed studentaid.gov on XXXX and have not received a response from them either. My student loan was forgiven in XX/XX/XXXX.
Consumer complaint received 2023-03-21
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. (MI)

I sent a letter on XX/XX/XXXX, to remove the listed items 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 items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$70.00} XXXX XXXX XXXX Originalcreditor XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired onXXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired onXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XXXXXXXX XXXX
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, 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. (WI)

I've reviewed my credit report and I noticed some inquiries that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Collection Service Inc (GA) (AL)

On or about XX/XX/XXXX I received a suspicious call from an alleged debt collector based out of GA. They were attempting to collect a debt, for around {$1800.00}, but were unable to provide accurate information about the debt and my personal information. I told them the debt was not mine and they must have incorrect information. The debt collection agent was unable to give me the correct last 4 digits of my social. I received no official correspondence from the debt collection agency Professional Collection Service about the debt prior to them reporting it to the credit bureaus. This is illegal and an infringement upon my rights.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received a message and email from Chase telling me that my account is being closed. When I tried to call the number and ask about the reasons, they replied that they could not provide any reasons, but the fund would be sent to me in the form of a check after ten days. On XX/XX/XXXX, I tried to call back, but when I entered my debit card number following the instructions of the call, they said they could not find the debit card number so I could not event connect to a real person. I don't know how to follow up with Chase. They did not send me any information regarding the reasons for closing my account and when they will send my money back. I really need the money to pay my rent.
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, 3 Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$800.00}.
Consumer complaint received 2018-09-15
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. (IL)

I have contacted Experiann several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from Experian & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

XXXX XXXXXXXX XXXX ATM ID : XXXX at XXXX XXXX XXXX on XX/XX/year> began processing a withdrawal from my Chime account in the amount of {$450.00} plus {$6.00} in out of network ATM fees. The funds were withdrawn from the Chime account. The XXXX XXXXXXXX XXXX ATM dispensed my card and began the process to dispense the cash. I selected the option for the ATM to choose the type of bills for me. The ATM was louder than usual and sounded empty. An error message displayed on the screen indicating that there was an issue dispensing the cash and that the transaction had been canceled. The ATM screen said to note the ATM ID and contact the bank to report the issue. I called XXXX  XXXX XXXX, which I am a customer of. I planned to withdraw the cash from the Chime account and deposit it into my XXXX XXXX XXXX account. Customer service logged the ATM ID and stated that the funds would automatically be reversed in 1 to 2 days. The problem is that the money is need for rent that is due XX/XX/XXXX with no grace period. Chime customer service stated that the reversal my take up to 5 days. XXXX XXXX from XXXX XXXXXXXX XXXX 's Enterprise Resolution department contacted me on XX/XX/XXXX and confirmed that the ATM was having issues at my transaction time and that the transaction was immediately reversed back to Chime. XXXX XXXX advised that Chime should process the reversal. On XX/XX/year>, Chime settled the transaction instead of reversing the withdrawal. XXXX XXXX advised me to file a dispute with Chime and XXXX  XXXX XXXX would provide them with the supporting dispute information once Chime contacted them. I filed a dispute with Chime on the same day and included XXXX contact information. Chime never contacted XXXX XXXX XXXX to confirm the error. Instead, Chime denied my dispute the same day and said I was responsible for the {$450.00}. I opened a rebuttal with Chime under dispute # XXXX, that has not been resolved as of XX/XX/year> and refuses to provide a provisional credit to my account in the amount of the transaction.