davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

A debt was added to my credit report in the amount of XXXX by company Hunter Warfield . I then received an email stating I owed {$150.00} I called the company who then stated that by calling I have now confirmed the debt I advised this was a fraudulent charge I also have no knowledge of account and do not owe the company XXXX XXXX anything I left with a {$0.00} balance. I requested for the report to be removed from my account in which the attendant I spoke with stated the company would not be removing the account/ report or remarks.
Consumer complaint received 2024-03-08
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. (PA)

I would like to remind you of the XXXX XXXX. Experian Information Solutions , Inc XXXX XXXX ] and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt XXXX word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

Negative Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-11
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CO)

Credit Control LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX Already attempted to take me to court in this matter. Per the terms of the original credit card agreement of which they are legally bound to honor as being purchasers of the debt, They are obligated to resolve the matter through arbitration. Through the process of multiple legal filings with the XXXX XXXX Colorado court system, they were forced into arbitration. They failed to comply with the terms of arbitration and did not pay the retainer for the arbitration. I submitted all evidence of this to the court system, and the case was dismissed. They have no legal grounds to collect this debt, and They are in violation by sending me this notification, and I expect that a full criminal investigation will be conducted.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX. RESULTS OF DISPUTE - DELETION OF COLLECTION -PYOD, FAILED TO SUBMIT THIS DISPUTED RESULTS TO ALL CRAS AND ONLY SUBMITTED TO ONE AND HAVE BEEN NEGLECTION AND IGNORING MY REQUESTS TO REVISE. I AM TRYING TO FIX MY CREDIT AS ITS EFFECTING MY LIFE. PLEASE STOP IGNORING AND UPDATE. I WILL SEEK LITIGATION
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXXXXXX XXXX Balance : {$290.00} ; XXXX  XXXX  XXXX Balance : {$710.00}.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2014, my debt card was charged {$400.00} for an ATM transaction which was unauthorized. The {$400.00} were made in two transaction of XXXX dollars each. The ATM wasn't from my bank so I also got another {$6.00} for non-chase ATM fee. I disputed the charges and told Chase that my card was stolen and that these are unauthorized transactions. They temporary refunded me but now have rejected my claim and reversed the refund. I called them and they said I have to proof and when I asked how can I prove, they responded that there is actually nothing that I can provide and that I have to figure it out on my own. I asked if there was any chance I could get my money back since I am a XXXX XXXX and {$400.00} is a huge amount for me and they responded that no there isn't and I have to find some proof. They also said that the details will be physical mailed in a week, and when I requested to get them online so I can resolve it sooner, they said they can't do it online. Which sounds to me as an effort to prolong and make this matter harder for me to resolve.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (TX)

I am a victim of identity theft : TRANSWORLD SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Please remove from my report any inquiries that do not have an account associated with it. 

I went through a divorce last year and it looks like someone tried to apply for things without my consent. I am not certain that it is replayed to my recent divorce but I know that my ex knows my social security number
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (SC)

this company calls me multiple times a week and every time I answer they ask for me and then hang up. I was contacted earlier today and again I was hung up on. I called back and the woman name " XXXX XXXX '' would not state the nature of the business or purpose of the call. I specifically asked if this is a collection agency and the woman kept stating the company name instead of confirming she is working for a collection agency. This is breaking multiple different laws. She was being evasive and using aggressive collection tactics. I will report this company to the attorney general and FTCC for violating FDCPA. I also called again to get a mailing address to send over a Verbal Cease and Desist. These phone calls are harassing and abusive. I will be seeking legal assistance to ensure this does not happen again.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MD)

As of XX/XX/2023, a total amount of {$2800.00} was spent from my account on unauthorized transactions when my personal information and phone was stolen. After filing a police report, I disputed the transaction and requested that my debit card be blocked, cancelled, and replaced. Maybe even the entire account if that has been compromised. Citibank performed an investigation into the dispute and responded by saying that part of it was fraud and the other part isn't fraud. So they provided me credit back to my account for part of the dispute in the amount of {$760.00}. In reality, I had no business with the merchant and ALL charges were unauthorized. Citibank then made me file an appeal for the decision on the remaining unpaid balance and I still have yet to receive my money back nor have I received an update on the investigation. They have been giving me false promises and misleading information such as, " I will receive a provisional credit within 10 business days while they are conduction the investigation which may take up to 90 days. '' It has been 30 days since I originally filed the claim. I am now set back a month behind on bills because of their inability to protect the funds of a consumer/client.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the PPP program or through unemployment insurance payments. My business was shut down, out of business for two full years. Your financial institution received millions of dollars for offset losses from either PPP funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CADENCE BANK (TX)

I hope this message finds you well. I am writing to you regarding a situation I encountered in the year 2023 that has resulted in missed payments on my account. 

Unfortunately, during that time, I experienced a significant setback as I lost my job and also faced damage to my phone screen. As a result, I was unable to make payments on my account promptly. 

I understand the importance of meeting financial obligations and sincerely apologize for any inconvenience caused by the missed payments. I am reaching out to request assistance in resolving this matter. 

I am committed to fulfilling my responsibilities and would appreciate any support or guidance you can provide to help me rectify the situation. 

Thank you for your understanding and consideration. I look forward to your response and am hopeful for a positive resolution. 

Sincerely, [ Your Name ] -- - For the Cadence Bank credit card payment, a similar message can be crafted with the appropriate details adjusted : -- - Subject : Assistance Request for Missed Payments Due to Unemployment and Financial Hardship Dear [ Cadence Bank ], I hope this message finds you well. I am writing to you regarding a situation I encountered in the year 2023 that has resulted in missed payments on my credit card account. 

Regrettably, during that time, I faced unexpected unemployment and financial hardship, which made it challenging for me to meet my financial obligations, including my credit card payments. 

I understand the importance of maintaining good financial standing and sincerely apologize for any inconvenience caused by the missed payments. I am reaching out to request assistance in resolving this matter and finding a suitable solution. 

I am committed to overcoming this setback and would greatly appreciate any support or guidance you can offer to help me address the missed payments and work towards
Consumer complaint received 2022-10-18
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. (CA)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XX/XX/2023 I made a payment regularly to capital one for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to Capital one who is saying they have no record of the call!

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XX/XX/2023 I made a payment regularly to XXXX XXXX for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to XXXX XXXX who is saying they have no record of the call! 

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Equifax, XXXX, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for XXXX months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon as possible : XXXX XXXXXXXX
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

The first email I got from Nelnet was on XX/XX/ with my first statement since payments resumed. The amount was {$380.00}. I called them and waited on hold for 2.5 hours, once I talked with someone I changed my payment plan from income driven repayment to the extended graduate program. She told me my payment would be {$160.00} with a small fee for changing my payment. I got a statement for {$190.00} on XXXX I made the payment on XX/XX/. I got an email stating that I needed to call Nelnet and confirm the change of my payment plan on XXXX I called again and waited another 3 hours, but I confirmed the change. On XXXX  I got an email with my billing statement that said my payment due was {$550.00}. I called Nelnet on XXXX I waited for 3 hours before I talked to someone, and I was on the phone with the lady for 45 minutes. She assured me repeatedly stating that the problem would be fixed and that I could check Nelnet.com again in a few days and the payment due would be changed to {$170.00}. I asked her for some sort of email confirmation that stated that my payment was changed and that my payment plan was changed to the extended graduate program. She said they were unable to do that. She again reassured me that the problem was fixed. I looked today on XX/XX/ because my bill is due on the XXXX. I logged in and my payment due is still {$550.00}. I logged in to student student aid.gov and it is still showing that I have an income driven repayment plan. I am currently on hold with Nelnet for the fourth time and have been on hold so far for 47 minutes.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

In XXXX of XXXX  I made a payment regularly to XXXX  XXXX for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to XXXX XXXX who is saying they have no record of the call! 

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.