davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (CT)

I am writing to dispute a collection account that was reported on XX/XX/XXXX, on my consumer reports. According to the reports, this account was opened on XX/XX/XXXX. However, I have no record of such an account, nor do I recognize this debt. 

To resolve this matter, I kindly request that you validate the debt and provide me with the original contract or documentation associated with it. I believe there may be an error or misunderstanding, as I have no recollection of opening such an account or incurring this debt. 

Please provide me with the necessary information to verify the accuracy of this claim. I am eager to resolve this discrepancy promptly and appreciate your cooperation in this matter. 

Thank you for your attention to this request.
Consumer complaint received 2022-12-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc. (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2024-04-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NV)

XXXX is charging me XXXX for phones and sharing that my bill was not paid. The company was fraudulently saying that they were offering me a military discount and every month for 3 phones I was paying XXXX. I shared that this was not the original amount we agreed upon which was XXXX. They would not comply with my request to close accountthey kept charging and stuck me with a XXXX collection.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

Around XX/XX/XXXX, I called the number on the back of my Chase XXXX credit card. I asked the representative for the the full account balance, so that I could close down the account after paying countless dollars in interest. I was given an amount to remit, a less less than {$2700.00}. I mailed a check for this within a day. 

Two months later, on XX/XX/XXXX, I was shocked to see a {$35.00} autopay deduction from Chase. I was told this was interest, that the employee made a mistake, and that there is absolutely nothing that can be done to reverse the {$66.00} post-settlement interest charge. 

I asked the supervisor, whose name is XXXX, that she ( 1 ) refund the {$35.00} and ( 2 ) wipe off my balance. Said she had no power to due that. I asked to talk to her supervisor, she said that is not possible. 

XXXX XXXX
Consumer complaint received 2024-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

I had the checking and saving account in Chase Bank, and this account is used to pay all of my fees, including the housing rent, the tuition, and all other daily cost. However, last week my account has been closed and I can't access the money in it anymore. I couducted with Chase immediately and they said they have the rights to close the account with no reasons. All of my money is in the account, I even don't have money to purchase even a meal. I want to know why Chase close my account and end relationship with me, and I want my money back as soon as possible.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I will attach a file below that states all of the accounts that were affected by this claim.

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 a 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.
Consumer complaint received 2023-06-16
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. (LA)

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 2022-12-09
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. (PA)

Hi, My name is XXXX XXXX, the following items I have attached are items in my report that I need deleted. 
I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are preventing me from being able to purchase my home Thank you!
Consumer complaint received 2024-04-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I bought a vanilla gift card on XX/XX/2024 in XXXX XXXX, but when I try to use it, it shows it's declined, and when I try to check the balance, I found out that all the fund in this card has been stolen. I called the customer service and opened a case with the company, and send all the documents via email, but the case was declined after 1 month without giving a legit reason.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian are not properly investigating my accounts I sent over documents from my state general to remove XXXX XXXX XXXX  because I went to court about XXXX XXXX XXXX  and they drop the case because I didnt owe any money. So this account is Illegal and needs to be removed from my report. They are breaking the FCRA LAWS They are supposed to be reporting accurate information for consumers. They are making my Character look bad by reporting the wrong information. I will sue Experian for Defamation of character and causing me and my family harm for Falsely reporting. They are causing me a mental breakdown I have not been eating in weeks and really getting sick because of them I have my lawyer working on this for me because they are breaking the law
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX, XXXX BECAME A VICTIME OF IDENTITY THEFT WHILE XXXX, VEHICLE WAS PARKED AT THE AIRPORT, DID NOT MAKE SURE ALL MY VEHICLE DOORS WERE LOCKED, XXXX FROM XXXX OF XXXX TO XX/XX/XXXX. ACCOUNTS BECAME COMPROMISED. I HAVE BEEN DEALING WITH WELLS FARGO BANK SINCE XXXX TO OBTAIN MY FUNDS AND NO RESOLUTION, I HAVE ISSUES WITH THREE CHECKING ACCOUNTS AND ONE WELLS FARGO SAVINGS ACCOUNT, THE CREDIT CARDS THAT WERE USED THAT WAS RESOLVED.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NC)

I have a car loan that originated on XX/XX/XXXX. The loan was for XXXX months. It is XX/XX/XXXX. The payments remaining on the app which I use to make payments every month says I have XXXX payments left when I should only have XXXX payments left. The are outrageous late fees that were not applied from car payment I made to cover late charges but Im assuming thats what keeps pushing my payment out.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo XXXX XXXX XXXX, shows one late payment on XX/XX/2022. This account was paid and requested to pay total balance down to zero balance, due to computer error it did not pay full balance in XX/XX/2022 and was never late in XXXX. Please remove the 30 day late payment, I have perfect payment history.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AR)

I got out of XXXX XXXX in 2021. My leave started XX/XX/2021. I submitted my leave form, my orders, and a copy of my DD-214 to my apartment manager. I gave them a forwarding address and they sent me a bill that I paid. XX/XX/2021 they put a collection my credit report saying that I owed {$3200.00} for breaking my lease.
Consumer complaint received 2023-08-11
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. (IL)

I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.
Consumer complaint received 2024-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (MO)

In the last 30 days I have asked representatives from the CBE Group , Inc., headquartered in XXXX XXXX, XXXX  to stop calling me at my work. They have called me multiple times from a XXXX XXXX, XXXX, area code. I was contacted on my work number on XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, and XX/XX/24. Each time I have instructed the caller to stop calling my work as it is a violation of the fair debt collection practices act.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE (WI)

On XX/XX/29/22 I purchased {$380.00} worth of merchandise from XXXX XXXX ( Barclays Credit Card ). On XX/XX/XXXX22 I returned XXXX worth of merchandise. I then returned an additional {$180.00} worth of merchandise on XXXX/XXXX/22. The charge and XXXX was on my statement. I had to dispute the {$180.00}. Barclays finally on XX/XX/XXXX22 issues my credit confirming a XXXX balance. At that time I closed my account. On XX/XX/XXXX22 I received a letter stating they issued me a provisional credit of {$100.00} and that I now owe them this amount. I called and spoke to XXXX people on this same day. I have repeatedly asked to speak to a supervisor and I have also offered to send in my original receipt along with both receipts showing the merchandise I returned. I returned a total of {$290.00}. I do not owe XXXX. That was an accurate credit as I returned merchandise. It is now XXXX and this has been going on for XXXX months. I would like them to get their accounting straight and bring my balance back to XXXX. This was an extremely frustrating and stressful when XXXX people can not understand simple math. The last person I spoke to on XX/XX/XXXX said it was an accounting error and it would be taken care of. I called XXXX today XX/XX/XXXX22 and they still show I owe XXXX. I would like this resolved. Thank you.
Consumer complaint received 2023-08-11
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. (FL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Consumer complaint received 2024-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc. (CO)

I have a student loan for my attendance to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that was located in XXXX, MA. I XXXX XXXX in XXXX  and was a victim of predatory loan activities. The school has been found to have practiced predatory behavior. Federal student loans were forgiven and legal proceedings have established a precedence that XXXX was a for profit school only focused on exploiting their student body.
Consumer complaint received 2024-05-22
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. (MI)

I saw on all of my credit reports that there are well over 60 Inquiries that are fraudulent and must be DELETED within FOUR days of receipt of this letter. Pursuant to 15 USC 1681c-2, I did not originate nor authorize these inquiries to be present. Also pursuant to 15 USC 1681 s-2, please CORRECT my personal information immediately. ADD CORRECT NAME : XXXX XXXX XXXX ( to Experian and XXXX and REMOVE all others erroneous names. ) DELETE ( ALL ) XXXX NAMES from XXXX and Experian. DELETE ( ALL ) FORMER NAMES from XXXX. DELETE previous addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. DELETE employers : XXXX XXXX  XXXX. ****NOTE***EVERY SINGLE INQUIRY NEEDS TO BE DELETED FROM ALL THREE ( 3 ) BUREAS, XXXX EXPERIAN AND XXXX , AS NONE OF THEM ARE FROM ANY TRANSACTION ORIGINATED BY ME AND MUST BE DELETED IMMEDIATELY WITHIN FOUR BUSINESS DAYS OF THIS LETTER on grounds of identity theft/alleged identity theft pursuant to 15 USC 1681c-2. SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2022-12-06
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$7100.00} ; XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-07
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. (CA)

experian did not block information on my credit report as promised im a victim of id theft information they reporting saying it accurate and i try many time to fix it with the compaines XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX # XXXX these account are do from id theft i sent mant document and police report ftc report they refuse to hornor my report they violating my rights 15 usc 1681i 605 b Section 623 ( a ) ( 6 ) Section 606 they not giving me fair reproting also linking my information to other credit llc.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-12-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

U have questions concerning g such issues as insurance. I need a copy of any contract i signed with wells Fargo bank to answer my questions. Please send me a copy of any contract i signed with wells Fargo ban k ASAP
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had a XXXX balance on my XXXX credit card and have been a customer for over two years with not a single missed payment. This card I rarely use as I qualify for better cards with better benefits. I kept it open only for reporting purposes as it's one of my oldest cards. To my surprise, I receive a notification from XXXX XXXX that XXXX has reported my credit card payment as late. This should have never happened as I should have a XXXX balance as I do not use this card! I immediately pay the balance ( even though this is 100 % FRAUD ) as I have worked extremely hard to raise my credit to an acceptable score and wanted this to stop reporting as a " late balance '' on my credit report. I immediately call them to report the fraud on three separate charges for the same company, for the exact same amount. They refund my money for these charges and stated they will need to suspend my card and send me a new one which I was perfectly fine with. They, however, refused to correct the late payment reported on my credit or allow me to speak with a supervisor. They promised they would have a supervisor call me back the next business day and of course, they never did. I just so happen to check the card last week and I have YET AGAIN, ANOTHER FRAUDULENT CHARGE from the same company on the same card that they said they suspended. This company lacks accountability for its mistakes and customer service is subpar at best. They should be embarrassed about the way they do business.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Ive been going back and forth with XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and Experian information solutions llc since XXXX or XXXX of this year upon looking at my credit report, I tried to explain to them that I am the victim of identity theft and I disputed them two, three maybe four times a week for them to keep coming back telling me the information was verified, XXXX XXXX I sent a copy of my license, informing them that I do not live at that place but to no avail they still sent me the same information back as if it was a robot repeating the process, ive sent you the fair laws in a complaints on all three already im tired of fighting alone I need for all three credit bureaus who violated my privacy to remove all inaccurate information off my credit report Im trying to move and they have my credit report looking like shredded wheat and I dont have that much credit, its not fair to me to keep looking at my credit report seeing closed accounts that were paid for and one account that wasnt mine. Im asking for your help to get those inaccurate reports off of my credit report so I can move on.all three credits bureaus keep sending information to put and keep me in debt but wont help with the real issues..