davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (VA)

I have disputed these accounts so many times with but they always complete this account as Included in Bankruptcy which im already aware of. Everytime they update these account into " Included with Bankruptcy " my score goes down. My score has been going down solely because of this. I disputed these for inaccuracies in it but they hasn't provided me any documentation or verification supporting their decision findings. ONCE AGAIN, I AM DISPUTIMG THESE ACCOUMTS FOR MULTIPLE INACCURACIES. IF YOU CANT PROVIDE ME ANY TYPE OF VALIDATION, VERIFICATION OR EXPLAINING THE INACCURACIES ON THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY FILE IMMEDIATELY. 
Attached see attached files.
Consumer complaint received 2023-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (RI)

Mohela is not correctly processing my PSLF application. They denied my application, mentioning that section 3 of the form was not completed. After further review my PSLF application was filled out correctly, and the denial is incorrect.The PSLF applications I submitted on XX/XX/2023 were for Women & Infants Hospital and The XXXX XXXX . When I resubmitted the application it came back as being denied as a duplicate form. 

The denial also mentions there is no end date on either application which is also false. Both have either an end date or they are listed as my current employer.
Consumer complaint received 2023-09-28
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. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-28
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. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-28
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-28
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: U.S. BANCORP (MN)

I requested a chargeback with US Bank on XX/XX/2022 regarding the fraudulent company XXXX XXXX XXXX XXXX XXXX for {$510.00} they deducted from my account. 
I tried reaching out to the original company XXXX XXXX but they refused to refund me or provide me a hotel room. 

There are no terms and conditions to click on with the XXXX XXXX that deducted the {$510.00}. They put a timer for you to enter the information and give a false amount. US Bank allowed them to give them screen grabs as their evidence that I knew the amount and agreed to their terms which were falsified. 

US Bank but never let me provide them screen shots which I do have of their bait and switch. There are no terms and conditions on that page.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX Inquired on XX/XX/2023 2023
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-05
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. (NV)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Inquired on XX/XX/2023 2023
Consumer complaint received 2023-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filled a dispute with TransUnion about the XXXX XXXX XXXX XXXX account reporting on my report. This account shouldn't be reporting on my credit report due to the fact that it is a civil judgment. As per the consumer law no civil judgment information should be reporting on any credit bureau. I have sent the court documentation from the case with XXXX XXXX XXXX and the account is still reporting on my report. I have spoke with supervisors requesting that this account be removed due to the fact that it should not be reporting, I was told that I had to go through the 30-day dispute process even though this should not be reporting at all. Transunion is violating the consumer law by keeping the XXXX XXXX account on my report after I have provided the necessary documents to have this removed.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with TRANSUNION throughout the year via CFPB about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. Documentary proof has been uploaded through every complaint placed through the CFPB portal and will be used as exhibits in district court. 

Please See Attached Documents which include the following : Settlement Offer Civil Cover Sheet ( dated XX/XX/2023 ) XXXX via IRS, Power of Attorney, Fee Schedule Bill of Particulars Passport Card ( Identification )
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

XXXX XXXX continued to charge me after my account was closed due to XXXX. The balance went to the collections Agency Of Aldous & AMP ; Associate. I settled with them for the amount of {$74.00}, part of the agreement was to have it removed from my credit report. That was done on XX/XX/2022 and it still shows on my credit report.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX, 2023 : ( INQUIRY ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2023 : ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX ( XXXX XXXX XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX ( AUTO ) XXXX XXXX, 2023 : ( INQUIRY ) - XXXXXXXX XXXX XXXX XXXX XXXX All these inquiries has been submitted without my consent or knowledge. This is in fact proof of me being a victim of identity theft/fraud. These inquires need to be Removed immediately from all credit reporting agencies. Ive reach out to ever merchant listed above and i hav not got any response so i am reaching out to reportfraud.ftc.gov to provide this report from CFPB to have this fraud issue handled immediately.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX, 2023 : ( INQUIRY ) -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX ( XXXX XXXX XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX ( AUTO ) XXXX XXXX, 2023 : ( INQUIRY ) - XXXXXXXX XXXX XXXX XXXX XXXX All these inquiries has been submitted without my consent or knowledge. This is in fact proof of me being a victim of identity theft/fraud. These inquires need to be Removed immediately from all credit reporting agencies. Ive reach out to ever merchant listed above and i hav not got any response so i am reaching out to reportfraud.ftc.gov to provide this report from CFPB to have this fraud issue handled immediately.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AR)

I received from my employer on XX/XX/XXXX a letter indicating they were required to withhold from my check 25 % of my disposable earnings until my debt is satisfied. They were directed to withhold {$10000.00} in total from my wages. I contacted the attorney representing the plaintiff but {$500.00} was taken out of my account on XX/XX/XXXX. They were successful in taking another {$500.00} on XX/XX/XXXX. I had this credit card more than XXXX years ago. I believe it was closed in XXXX or XXXX. A Default Judgement was issued in XX/XX/XXXX. 

1. The statute of limitations for the credit card debt is closed. 2. I previous lived in XXXX  that has 4 years of open-ended accounts statute of limitations. I moved to XXXX in XXXX  that has a statute of limitations of 5 years. The debt is a time-barred debt, therefore no longer legally collectible because the statute of limitations has run out. 3. I am certain at least 30 days would be required for us to settle this matter before funding could be garnered out of my account. 4. I am quite certain the credit card in questioned had a credit limit of {$2500.00}. And, 5. The information submitted to the court was dated XX/XX/XXXX. I had a XXXX in XX/XX/XXXX. I did not move to the address on the paper work until XX/XX/XXXX.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

On the XX/XX/2023, an unauthorized payment of {$640.00} was taken from my Wells Fargo checking account and used to pay my Wells Fargo credit card. My credit card 's entire balance at the time was {$640.00}. The " daily balances '' for my credit card on the Wells Fargo phone application never reflected the pay {$640.00}, so my balance showed that I still owed {$640.00}. I disputed this unauthorized transaction from my checking account with Wells Fargo, and roughly XXXX days later, Wells Fargo returned the {$640.00} to my checking account. Since the " daily balance '' on my credit card never reflected the {$640.00} payment, after the {$640.00} was returned to my checking account, Wells Fargo improperly doubled my credit card balance on the " daily balances '' on the Wells Fargo phone application. The balance listed went from {$640.00} to around {$1300.00}, improperly doubling my balance. I did not owe this amount. 

The mailed statements properly reflected the reversal of the {$640.00} transaction on my credit and my checking account. However, the " daily balances '' on the Wells Fargo phone application improperly reflected that I owed around {$1300.00}. 

I disputed this improperly reported balance with Wells Fargo numerous times over the phone, however Wells Fargo never resolved the matter. Wells Fargo states there was no issue because the mailed statements were correct. However, the issue is not with the mailed statements, but rather the daily balances for my credit card listed on the Wells Fargo phone application. This balance was never corrected and showed me owing an amount that I did not. I would like Wells Fargo to investigate and fix the reported amount on the daily balances of my credit card on the Wells Fargo phone application. I would also like Wells Fargo to provide me with a copy of the daily balances of my credit card on the Wells Fargo phone application for each day of the month of XX/XX/2023.
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX - Phone stolen and unauthorized transaction made for {$980.00} through XXXX was made by the thiefs. 

XX/XX/XXXX - XXXX  transaction posted to Chase for {$980.00}. 

XX/XX/XXXX - Claim filed on {$980.00}. 

XX/XX/XXXX - Claim reversed by Chase for {$980.00}.
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. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

National Credit Systems is trying to collect a debt on behalf of XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  are saying I owe rent which is not true. I am on XXXX  XXXX. I always paid my portion of rent and XXXX XXXX XXXX XXXX is responsible for the rest. I moved out XX/XX/XXXX  and any rent and cleaning fee was taken out of my deposit. XXXX XXXX XXXX XXXX reversed rent for XXXX due to my lease ending and I no longer lived there. The account is not owed by me nor is it correct.
Consumer complaint received 2023-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I XXXX XXXX checked my transunion credit report and noticed I have some fraudulent inquiries on my report I have listed the inquiries below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

I have been trying for weeks to get ahold of my Student Loan Servicer MOHELA and can not get through to anyone after waiting hours on hold to try and get a refund for payments I have made during the pandemic. Initially their website " customer service phone number '' directs you to Studentaid.gov it's not even their phone number. There isn't any application for refunds or anything on their website regarding this. I Have also tried to email them from their website twice with no response.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights, The reporting dates are wrong, last date of payment last date of active are all wrong. I have sent messages after messages and they have never done anything about it i have shown you the inaccuracies and these accounts are still on there please remove these accounts from my credit report as soon as possible.

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
Consumer complaint received 2023-07-12
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: ENCORE CAPITAL GROUP INC. (GA)

I am not liable for this debt with the listed company, I do not have a contract with the collection agency reporting to my credit report. They did not provide me with the original contract that should have been provided. I demand this account be removed from my credit report.
Consumer complaint received 2023-11-10
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. (FL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-04-19
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-25
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: Atlanticus Services Corporation (TX)

Got behind on my account and tried to work out something but they said no plan was available to assist me .Even tho they sent me emails to the contrary. So far, they have added 3 late fees to my account, {$41.00} x 3. Spoke with them on Thursday, XX/XX/2024. Their non action/no help, caused my credit report to drop by XXXX points and they restricted my account. I told them I was willing to work out a payment arrange but they refused.
Consumer complaint received 2023-09-28
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. (OR)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX