davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (PR)

I received a letter saying that I have an alleged debt, I wrote to them to validate the debt and they have not responded to me, there have been several attempts. I have rights and they are not respecting them. It's been more than XXXX  days and XXXX validation attempts. 

Radius Global Solutions LLC In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
Consumer complaint received 2022-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

On XX/XX/XXXX I contacted Medical Data Systems and requested validation of 2 account s they are reporting against me and provided current contact information. On XX/XX/XXXX I contacted them again with a copy of the first letter and reminded them that the 30 days they had to validate the debt was nearing expiration. To date Medical Data Systems has failed to provide validation of the debts that Medical Data Systems ( not the original creditor ) is reporting against me, and they continue to report these debts to credit reporting agencies.
Consumer complaint received 2022-02-08
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. (TX)

XXXX XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX, XXXX, AND EQUIFAX. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNTS STATING THE INFORMATION WAS CHARGED OFF. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND IT SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. JUST BECAUSE XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER.
Consumer complaint received 2018-03-01
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. (PA)

Stolen identity fraud open account open in my name XXXX XXXX XXXX/ XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/15 Account number XXXX Amount XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Fix my credit report now. Remove the incorrect names and addresses immediately they're not mine. Check and delete and please no more mistakes. Thank you for fixing this issue immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to transunion, But i have called transunion a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I had an account with WellsFargo Bank between XXXX and XXXX and I was charged NSF fees. I would like to know if I am eligible for the Wells Fargo XXXX.
Consumer complaint received 2024-02-22
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. (TX)

I am in the process of purchasing a home and after viewing my report I see that there are damages on my report. I have tried to resolve this, but nothing is changing. There are late payment being reported and in accordance with the Fair Credit Reporting Act the Experian, XXXX, and XXXX has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 ( section 6 of 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under under15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Here are attatched of all the proof u need to dismiss my 180 days late payments on my XXXX Experian and XXXX report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.
Consumer complaint received 2021-12-17
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act, it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-22
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. (NY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I called XXXX spoke with XXXX I advised them to close my account back in XX/XX/XXXX, I then found out that they marked me 30-days delinquent twice on my credit report. It is impossible for me to use the card since I had shredded it back in XX/XX/XXXX so the only possible explanation is that someone at XXXX made a card using my account number and never closed it. There is a reported balance of {$230.00} this account is only reporting to Equifax Information Services LLC.
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (CA)

Wakefield & Associates Account XXXX XXXX Dear Wakefield & Associates ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/2022. According to the notice, I owe {$1700.00} to XXXX XXXX XXXXXXXX XXXX XXXX XXXX However, I am disputing this debt for the following reason ( XXXX ) : WAKEFIELD & ASSOCIATES is violating your consumer rights by using false misleading, misrepresentation and deceptive means. WAKEFIELD & ASSOCIATES has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I request the following information : The name, address, and phone number of the original creditor. 
A detailed breakdown of the charges and fees associated with this debt. 
Any evidence you have that I am legally obligated to pay this debt. 
Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

My father had the same first, middle, and last name. I am the XXXX ( XXXX ). 

I can not access my credit history as the security questions to verify my identity to all 3 reporting agencies are my father 's information, not mine. I don't know his answers. All my answers result in " none of the above ''. 

I need access to remove his identity from my credit. This is a reoccurring issue that I have to deal with every year.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (NJ)

I noticed a few accounts and inquiries on my report that I do not recognize XXXX from XXXX XXXX XXXX inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I opened a credit card in late XXXX. I have already enrolled my bank information with BOA because I use autopay. I have not received a bill for this new account. I logged online to file a dispute about a recent purchase only to learn that my account was overdue three days and I had been charged almost {$50.00} interest the day prior. I immediately paid the bill online with the bank info already on file with BOA and re-signed up for autopay which was unexpectedly not active for this specific account, though it was active for others. I chatted with a rep who promised to refund back the {$29.00} late fee but not the almost {$50.00} in one days interest on {$3300.00} total charges. I explained that I did not know I was overdue because I have bot received a paper bill as promised and also should have been on autopay like my other BOA credit cards. I also explained that my husband had XXXX XXXX in XXXX and readmitted in XXXX that we have spent weeks in the hospital and don't need any erroneous fees. My credit score is also very important to me- I have NO LATE bills EVER in decades.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (FL)

I have been getting obsessive phone calls and texts via a company called ARS. I previously thought it was ARS XXXX, which is why I created my last report- but turns out it was for the incorrect " ARS. '' I called back this ARS who was contacting me and asked for them to give me more data about their company. This was on XX/XX/XXXX. 

I was told that this " ARS '' is in New York ( which didn't match the address I had for ARS XXXX - hence the incorrect report for them ). This company has been calling and texting me from numbers associated with Oregon and New York. I finally discovered they are Atlantic Recovery Solutions " ARS. '' On XX/XX/XXXX I was emailed by XXXX XXXX a one page copy of what was a collection attempt. I emailed back a document asking for further verification of this debt. This is debt is not on any of my credit reports. I did not get an email saying the email bounced back, so for all intents and purposes, they received it. 

I still got multiple texts and calls from them.

One call about a week later ( toward the end of XXXX ), I picked up the phone and told the woman on the phone that I sent a debt validation letter via email to XXXX XXXX and she quickly got off the phone with me once I stated their attempts at contacting me go against my rights with the CFPB. 

I thought that was the end of it because I haven't heard anything since from them. 

Until today. 

My mother called me to let me know a company had called her looking for me on XX/XX/XXXX and XX/XX/XXXX from the numbers I had listed with Atlantic Recovery Solutions. She said they had been calling her repeatedly for the last couple of months. This contact has happened before and after I asked the company for a debt validation. 

This is highly inappropriate and abusive.
Consumer complaint received 2023-12-03
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. (TN)

I am a victim of identity theft and I have been filing disputes to remove the fraudulent accounts. The disputes are not being filed correctly and the FTC paperwork I am submitting according to the FCRA is not being submitted with the disputes. The people I talk to don't understand English and are not helping. I am not getting copies of the verification process per the FCRA.
Consumer complaint received 2019-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have tried to communicate with the company several times and failed. I am losing any hope for this to be resolved. 

I have asked for them to send me documentation that will verify this account but has never received any response from them. I feel like they are violating my rights by not sending me proper documentation that is requested.
Consumer complaint received 2019-12-10
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2020-02-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account has been previously Deleted and has appeared again, I have Cfpb documents from the past year that shows the details of this dispute in which the company said that it is deleting this item only to put it back on my report a year later, this is a violation of the FCRA and FDCPA law.
Consumer complaint received 2022-02-07
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (FL)

DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX XXXX XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX XXXX 120 days late XXXXEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX XXXX XXXX / 120 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I contacted the company Lvnv to verify debt, after a balance of {$400.00} was reported to XXXX and XXXX the debt was there after, it was deleted from XXXX. Since it has yet to be verified I still have not been contacted from the company LVNV. While they are still reporting this debt and I sent them verification letter over 2 months ago.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Worth Finance Corporation (TX)

Worth Financial is not authorized to inquire or add any information to my credit report. They inquired my credit after a transaction. there was no application nor contract regarding this transaction. Furthermore, Worth Financial was informed that I was a victim of XXXX and ill and requested accommodations. Worth financial attached late fees an reported delinquent payment to my credit report. Never authorized them to report anything to my credit.
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (SC)

I lost my job in XX/XX/2018, due to no fault of my own. I was Also experiencing health problems. I filed a forbearance but my home was still turned over for foreclosure. 
I was constantly getting different info from PNC even up to the time I received notice of foreclosure. I was offered an unfair modification plan that will not benefit me or my situation. 
Adding on terms to my existing loan is not much help. 
There are other modification plans that would be more beneficial. 

There is no hardship financial homeowner assistance programs Available. 
The hardest hit fund was depleted. 
I need honest help saving my home.