davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I noticed on my XXXX credit report that I had a Wells Fargo credit card that was overdrawn for XXXX dollars that I did not do. I also did not open a Wells Fargo credit card. I went to the bank to confirm this and was told everything on the account was incorrect regarding my mailing address, phone number, email. I contacted the Wells Fargo fraud department and told them that I have no credit card and that it was fraud. From there I was told it was going to be looked into and contacted later but got no reply. Checking my XXXX  account in XXXX I noticed that Wells Fagro closed the account but in XX/XX/XXXX the Wells Fargo says I now owe XXXX dollars.
Consumer complaint received 2020-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$400.00}. 
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 ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FR CA, Section 616, and pursue legal action. -- OPEN AC COUNT --  1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (LA)

I discontinued my XXXX XXXX XXXX in XXXX XXXX and closed out my account in-person the same day I cancelled. They stated that I did not owe any additional fees and I have never received notice otherwise. That is until Radius Global Solutions reached out today, Friday, XX/XX/XXXX, stating that I owed XXXX XXXX {$30.00}. I contacted XXXX XXXX and they were unaware of what I speaking about as I have no linked account with their company. I tried speaking with Radius Global Solutions, but am unable to clear the owed amount without verification from XXXX XXXX. They will not communicate with each other and I am not going to pay the {$30.00}, as I do not owe this money, but do not want this to reflect poorly on my credit. Hopefully this can get cleared up soon.
Consumer complaint received 2020-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AR)

A company called Wakefield and associate has inaccurate information on my credit report ... .I contacted them and told them that this is not my debt and to plz remove the inaccurate in from my credit that they were breaking thee law ... .I asked them for the original copy of this debt with my name one it ... and they said they dont have it ... I ask them is this a debt that they are saying I owe them or is this a debt that they purchased from another company but they want tell me ... ..but they have destroyed my credit with this fraudulent account they have on my credit report ... ..I am asking Wakefield and associate to plz show me proof of the original bill or remove this inaccurate in from my credit reports
Consumer complaint received 2020-01-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$400.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX CARD  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.
Consumer complaint received 2019-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NJ)

I sent Kia a payoff check for the entire amount and they reported me 30 days late twice in XX/XX/XXXX and XX/XX/XXXX. How is that possible? I called Kia and told them and they said they possibly made an error but I would have to dispute it. I am not sure why they couldn't just fix it over the phone. I am in the process of going for a mortgage and this is affecting me. I even attached a screen shot as to how the account is being reported and the date of last payment is different on each credit report which goes to show me that Kia is not doing their job. Even the past due amount is different on each credit report.
Consumer complaint received 2022-10-05
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX Date opened XX/XX/2019 Balance : {$0.00} XXXX XXXXXXXX Date opened XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-10-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$41000.00}
Consumer complaint received 2019-02-11
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ORG GC GP BUYER, LLC (PA)

This is the third letter and 18 phone calls. I have told them not to call and phone registered on do not call list. Based on a lawyer who had a handling case. They keep sending or calling me and telling me I owe on student debt. All my debt was consolidated in XXXX. Both private and federal and was confirmed by my consolidation company. In the last letter, they now have threatened me to take me to court, file it with the credit bureau and take money out of my income. That they have the legal right to collect on this debt from XXXX.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-05-09
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 2019-12-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

My Navient account was reported missed and delinquent 90 days in XX/XX/XXXX. It was wrongly put into repayment when I specifically requested a forbearance in XX/XX/XXXX meaning XXXX wouldnt have been in repayment until XX/XX/XXXX. I sent two certified letters to the Navient credit Bureau because they only accept letters. I sent one in XX/XX/XXXX and XXXX XX/XX/XXXX. I was told via a customer service manager that the bureau has 30 days to respond. However they have yet to respond to either letter. My complaint is that this company are crooks. They destroy lives and credit. And their business practice is unethical. I have a incorrect credit report with no way of fixing it.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX I submitted disputes to TransUnion, XXXX in regards to ( XXXX ) closed account XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) for inaccuracy and failure to send me the status of the investigation within 30days. I asked that you assist me in contacting TransUnion and XXXX and have them removed the above said closed accounts. Thank you for your assistance in this matter.
Consumer complaint received 2023-01-13
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. (OH)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX XXXX XXXX XXXX  date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (IL)

I have an od XXXX XXXX that was closed in XXXX  andvyuou guys are reporting me delinquent for XXXX XXXXXX/XX/XXXX on my equifax report How? Is this possible
Consumer complaint received 2021-06-03
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. (UT)

I am a victim of identity fraud from my sister XXXX XXXX. I have filed an FTC report and disputed these debts multiple times. Originally they will be deleted and then the company just adds them back even knowing they are fraudulent. Please help me
Consumer complaint received 2018-10-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WA)

Since leaving school in XXXX my account was on an Income Based Repayment plan ( IBR ) with payments of {$0.00} per month. when the time came for this year 's submission of an annual renewal for the IBR I did not receive any correspondence from the servicer via email, physical mail, or by phone. The only reason I am aware of the issue is I've begun looking into my credit closely, to discover that my score had fallen over 100 points because of 15 " late payments. '' Three instances from five loan accounts were now delinquent because I had been switched back to a standard repayment plan without my knowledge. On XX/XX/XXXX I contacted the servicer where I corrected all the incorrect information on my account, and the first thing the servicer customer service had offered me was to go into forbearance.The representative offered only an address to direct a written letter to when I asked about the mishap causing a mistake with their credit reporting.

I have a second set of student loans serviced by another company, also on an IBR, which shows that I have been prompt in my upkeep when properly informed.
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reached out to capital one to see if they can update my payment to paid as agreed. I had fraud on my bank account and my payment bounced. I am a XXXX   and did notice until I tried to use my debit card. I have a part-time job and this is my first credit card. I called and asked if they could help as a courtesy. This is the only late payment that I had.
Consumer complaint received 2024-06-11
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2024, I ordered XXXX pairs of pants from the XXXX website, totaling {$1000.00} ( ORDER XXXX ). 

After trying them on, I found that none of the pants fit, so I requested a refund and dropped them off at XXXX. However, the return information was never updated. After waiting for a while without any updates, I contacted XXXX, but they stated that they are only responsible for the delivery and couldnt provide more information. 

I also requested tracking information from XXXX, but received no response. XXXX only provided XXXX as the return option, leaving me with no other choices. 

After waiting for a response, I disputed the charge with Chase Credit Card. I tried to send the XXXX drop-off receipt as evidence, but was not given the opportunity to do so. 
I missed several calls from the credit card company due to my work schedule, and when I tried to call back, the case had already been closed. 
Even after requesting a review, my request was denied. 

I am currently charged {$1000.00} and have received nothing in return. 
I am in a frustrating situation and desperately need your help to resolve this.
Consumer complaint received 2022-10-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$41000.00}
Consumer complaint received 2019-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: URS Holding, LLC (TN)

i was attending XXXX university when I took a loan out for school. when I started the XXXX XXXX   and XXXX XXXX degree I was as least two years in when I tried to do an intern program with a XXXX XXXX office. I was told that I will not be able to do so because I was a XXXX. I called the school and asked why I was told I can take this type of course with a record. I Did you inform the school of this status before the loan was certified or originated they said I should be fine. well it turns out I wasn't fine,. I called the department of education and was told to submit the loan discharge form and on it it asked the reason. I wrote on there because I was a XXXX  and showed them the proof of this. I shouldn't have to pay it back for them telling me I was good when I really wasn't. not for that degree or field. the department of education said it the proof wasn't good enough. then what is?
Consumer complaint received 2024-03-14
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. (NY)

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 2022-10-05
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. (MI)

In accordance with the Fair Credit reporting act XXXX account : XXXX XXXX has violated my rights. 

15. U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. Section 604 a, Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-09
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX