davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

XXXX XXXX has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent a record of application. which doesn't have the full social security number, full birthdate, drivers license number OR signature of the applicant another certified letter was sent ( and received by XXXX XXXX on XX/XX/22 ) on asking again for proper validation and again including a copy of the supposed signed contract. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing on my credit report
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I don't owe anything to PORTFOLIO RECOV ASSOC with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX  XXXX XXXX. since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2024-01-20
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I went to a museum. At the museum I got a text on my phone saying I was charged XXXX dollars at XXXX  XXXX I instantly closed my card and called support. They said they would reverse it and send me a new card because I apparently lost it recently without me knowing. They did reverse it but then another 2 days later it posted again. I thought it was still doing its thing so i waited. On XX/XX/XXXX, I got a notice that there was insufficient evidence for fraud. I don't know what else to prove.
Consumer complaint received 2019-07-03
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: EQUIFAX, INC. (GA)

Im reaching back out to you all because there are still some items that have not come off my credit. I reached out a couple of months ago about some things on my credit that are not mine. There are still some remaining XXXX XXXX, US Dep ED, XXXX XXXX? XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have contacted the FTC and my local police and Im also doing this on my own.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (MI)

Inaccurate late payments 1. 120+ other 120days these are closed accounts so they cant change them. The collection actually just have 120days not 30 or 60 days only 120daysXXXX XXXX XXXX has 90 & 60days & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled & XXXX XXXX XXXX HAS TWO NAMES ONLY POSE TO HAVE ONE THATS inaccurate. Payment history been re-aged PLEASE DELETE MY WISHES PAYMENT STATUS NOT CORRECT CAUSE PAYMENT HISTORY DONT HAVE LATE PAYMENTS
Consumer complaint received 2018-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

I ask navient to prove that I took out the loans. It went to several collection agencies all could not provide me copies of the signed paper work. When this happened Navient went to a different debt collector. I reported this to the credit agency and they removed it from my records and said that Naviant failed to provide them with evidence. And navient just resubmitted these loans as unpayed and late to the credit agencies again. How can they do this.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i have disputed the XXXX XXXX credit card acct for the last 6month. i XX/XX/XXXX they reported all of XX/XX/XXXX-XX/XX/XXXX. they have not reported on my acct since XX/XX/XXXX. XX/XX/XXXX i had a credit limit on both accts and on XX/XX/XXXX. i did not have a credit limit on either acct.they also change acct number changed pass due amount.
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (VA)

on XXXX i received two calls from navy federal at XXXX one at XXXX XXXX  and another at XXXX XXXX. which is obscene and an inconvenience to call me so many times and to call me back to back and then a 3rd & 4th call to my relatives one calling from XXXX at XXXX XXXX, my relative called me as well to advise me that they have also called them as well. Now i am being harassed. Now others are under the impression that i owe a debt.
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (UT)

I submitted my income information to update my payment amount on XX/XX/22 and my student loan portal showed I would get a response by XX/XX/22. Not only did I get no response, the website now shows I have no pending requests.
Consumer complaint received 2022-08-31
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. (AR)

I have attempted two times to reach to all 3 credit bureaus in regards to my account issue. I have multiple fraud inquires and some fraud posted to my credit report I've been working on this matter for 3 months and have not received proper response from the bureaus on this matter. The following accounts below are deemed fraud and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-31
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. (GA)

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681i SECTION 602 A also state I have the right to privacy. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec, 1681i ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent rights and correct. So could you please check on on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate accounts and remove them if anything is missing or not correct on them. Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect and update the account as ( paid as agreed ). 
Thank you for you time and help in this matter.
Consumer complaint received 2022-08-31
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. (GA)

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681i SECTION 602 A also state I have the right to privacy. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec, 1681i ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent rights and correct. So could you please check on on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate accounts and remove them if anything is missing or not correct on them. Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect and update the account as ( paid as agreed ). 
Thank you for you time and help in this matter.
Consumer complaint received 2022-02-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

Im contacting Equifax after your response to my recent complaint through CFPB. The complaint number submitted was XXXX. Equifax did not provide/address the complaint. Per FCRA, your company already has missed the 15 day window to provide how you investigated the account you are reporting as XXXX XXXX and it should be permanently removed. There isnt any further investigation as you already stated you are not reporting it via mail. Completely remove the account or I will have to take your company to court as Ive made several attempts to have it removed. 
Thank you,
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

After careful review of my consumer reports, I noticed an account on my report from Southwest Credit System account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between Southwest Credit Systems and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had Southwest Credit Systems sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that Southwest Credit Systems provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Consumer complaint received 2022-08-31
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2023-06-24
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. (KY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-24
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)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ragan & Ragan, PC (NJ)

I am XXXX XXXX, I received a letter from Ragan & Ragan , PC firm XXXX XXXX XXXX XXXX XXXX, NJ XXXX that they want me to pay to XXXX XXXX firm {$890.00} with the interest so on. On this XXXX letter showing date XX/XX/2011. I do not know who is this firm and I do not remember what is this for. This this Law firm send me letter that they want to collect the money. From no where this is comes, I do not know what is going on. 

Ragan & Ragan , PC File # XXXX this Law firm phone number is very strange I called them finally I talk to some one and she said XXXX XXXX  XXXX and her EXT. is XXXX but no respond. Their number is XXXX XXXX
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo loan number # XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ON XX/XX/XXXX Wells Fargo Home preservation Specialist refuses to grant my request to file an Home Affordable Modification application, additionally specialist informed me that I was to close to the foreclosure sell, I also ask for my entire file regarding loan modification file that was submitted in XX/XX/XXXX, that was decline, and then representative transfer me over to personnel that was unwilling to resolve my request, No representative was willing help me regarding prior years invoices from the dates of ; XX/XX/XXXX to present, I was not receiving my invoices therefore i am disputing amount that is unpaid which is : XX/XX/XXXX information regarding XX/XX/XXXX home preservation file is not accurate in which i was decline on wrongful income amount, after receiving this information i immediately contacted Wells Fargo Home preservationist officer and inform XXXX XXXX XXXX that information regarding income is not accurate yet XXXX XXXX informed me and my the Attorney that Wells Fargo bank will not proceed any further on loan modifications therefore placing us in foreclosure status. 
I ask the CFPB will correct Wells Fargo mismanagement of Government funding by not allowing consumers to apply for loan modification
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NY)

Checkr performed a background check on me and was only authorized to look back 7 years based on the contract I signed. They put negative info on my report that was 12 and 15 years old. This influenced XXXX to not allow me to become a driver for them. They violated my rights and are now discriminating against me.
Consumer complaint received 2022-08-31
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: CITIBANK, N.A. (VA)

in accordance with fair credit reporting act the XXXX XXXX # XXXX has violated my rights. 

15 usc 1681 section 602 states i have right to privacy.

15 usc1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account underan open end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX  Date of Inquiry XX/XX/2021 XXXX XXXXXXXX Date of InquiryXXXX XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 Name : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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. (GA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-08-31
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. (VA)

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NV)

I filed a fraud claim on my debit card over 3 weeks ago and I am still awaiting the results. I have emailed them several times via the secured message system and Navy Federal Credit Union still has not even read those messages.