davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 

My name is : XXXX XXXX. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX. XXXX OH My current phone number is : ( XXXX ) XXXX All these number are not mind please remove from your database XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX RESIDED HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a account from XXXX XXXX # XXXX I do not recognize this account I do my business with XXXX this acount is a error please delete.
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (AZ)

I had my bank account hacked around the time the XXXX data breach happened my info got out someone got a hold of it and made fraudulent charges to my account which resulted in a negative balance of XXXX this happened in XXXX of 2018 q I called the bank to let them know what happened and they didn't believe me or did they act like they cared they said they would get back to me and they never did and now this company is accessing my credit report and telling my credit report that I owe {$2000.00} and it keeps going up which my credit score went from being XXXX to now XXXX I've done so much stuff to bring my credit score up and I am so upset that this company keeps lying about how much I owe and bringing my score down
Consumer complaint received 2018-10-15
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: JPMORGAN CHASE & CO. (CA)

The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a fall in XX/XX/2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function XXXX. My condition was so bad that I could not manage my finances. Due to my XXXX XXXX, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed this company
Consumer complaint received 2019-08-30
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. (UT)

Hello, I'm trying to seek help for an honest mistake that has destroyed my credit- that I worked very hard to rebuild. I submitted an auto draft payment to my mortgage in XXXX and then left town. When I returned home I found out I had typed one digit wrong on my bank 's routing number and it didn't process. I am asking for the late payment to be deleted. Please help. Thank you.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OH)

I am a victim of identity theft, and I did not make this Inquiry details XXXX XXXXXXXX XXXX XX/XX/2022, and XXXX XXXX XXXX Opened XXXX {$320.00}. and XXXXXXXX XXXX XXXX XXXX I am requesting that the charge be removed or DELETED, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as Identity Theft Affidavit. Please reinvestigate this matter and ( delete or correct ) the disputed item ( s ) as soon as possible. 
In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account. The copies of the records can be mailed to me at the address listed below. IN addition, please make these records available to law enforcement upon their request.
Consumer complaint received 2021-02-12
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. (OH)

There is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX XXXX Account Number # XXXX COLLECTION Opened XXXX Amount {$220.00}
Consumer complaint received 2020-07-29
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. (VA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TN)

I have tried several times to resolve this issue. I have disputed with the credit bureaus and sent multiple debt validation letters to Cavalry and I have yet to receive any validation of this debt. I have filed a dispute with the XXXX and this company mainly keeps stating the same information but has yet to provide me with anything. 

I don't know any other way to resolve this. I have attached the only thing I have EVER gotten from Calvary Portfolio. I received this in the mail the end of XXXX and onXX/XX/XXXXrequested debt validation -- - anything to prove the debt was mine. I never received anything even after 30 days. On XX/XX/XXXX I sent another request. During this time I also disputed with the credit reporting agencies. Again I never received anything additional in the mail other that what I have attached and that was my first communication from this company. Then on XXXX I filed a compliant against Calvary Portfolio Services with the XXXX and still never received any validation or any additional information from Calvary Portfolio Services. Since then Calvary has responded on numerous occasions that they have validated this debt. How was it validated? I have yet to receive anything. They state that it was mailed to the correct address as it was not returned.. again I have only received the one notice from Calvary Portfolio Services and that was on XX/XX/XXXX and there is a copy attached. The mailing address that I mailed the validation request to was the same one on the settlement offer that I have attached. That address is XXXX XXXX XXXX XXXX, NY XXXX. I have no reason to lie and state that I have not received any additional notifications or validations. According the the FCRA I have the right to receive validation of this debt within 30 days of request. Since Calvary stated that they acquired or purchased this debt in XX/XX/XXXXand I received a settlement notice XX/XX/XXXX and I had requested validation of debt XX/XX/XXXX due to it reporting on my credit report then I believe that I was within the 30 days of initial notification even though it was just a settlement offer. I have lived at this address for years and there is no reason it would have gotten mistakenly placed somewhere else. I have kept good records of my steps that I have taken. I also believe that the last 3 responses that were mainly just repeating themselves or saying this has already been validated is not appropriate at this time and with the circumstances the way that they are. I have seen no proof that you have validated this account or even made an attempt to contact me or to rectify this situation.

I am attaching the only thing that I as of today have received from Cavalry and I have also attached Cavalry 's reply to my XXXX  complaint which still does not show that information has been provided to me to verify and/or validate that this is my debt. Again, I have only received this one letter which is a settlement agreement from Cavalry.
Consumer complaint received 2020-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Problems affecting following private loans through Navient ( formerly Sallie Mae ) with associated dates. 
XXXX Tuition Answer Private Loan XXXX ( 3 derogatory marks ) XXXX Stafford  - Subsidized FFELP Loan XXXX ( 3 deragatory remarks ) Issues also affecting Dept Ed loans listed in separate complaint. 
During the above mentioned dates, I entered repayment for my student loans serviced by Navient without proper written notification. I became aware of my delinquency while checking spam email and immediately contacted Navient in XXXX of XXXX. I was told via recorded line conversation that my billing notification had been switched to paperless billing and had been done via email exclusively. I had never authorized such action on any of my accounts. When I asked when and how the authorization to switch my accounts to paperless was performed, I was given no information and told it had been done automatically. At the time, I relied on paper bills ( and prefer them to this day ) to relay changes to billing statements. When I had reconnected with Navient after reinstating payments, I was unable to receive any requested information from my previous conversation ( who I had spoken to and the recorded file of the conversation ). When I had requested the derogatory marks be removed from my credit history, I was told there was no avenue through Navient which I could pursue to correct the marks. I have challenged the information with credit reporting agencies only to find that Navient had not provided any details regarding the incident. Navient has a history of documented poor customer service, which I have experienced as well. I have had difficulty getting information on programs to assist in loan repayment, ambiguity regarding deferment, and have asked about public service loan forgiveness ( XXXX  for 4 years at this time ) only to be told that my loan " does not qualify '' but no additional information on how to roll the loan into an eligible account. Luckily most of these customer service deficiencies have not necessarily affected my credit score, with the exception of the derogatory marks mentioned above. My credit report has 13 late payments in all my years of credit, including with Navient before/since this incident ( 1 legitimate late payment due to a new credit card number issued on an auto loan, and the other 12 from Navient connected to this singular event, 6 on the private side and 6 on the Dept of Ed side ). Without these above mentioned derogatory marks, my credit would be in great shape, and it is time for Navient to finally fix things.
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CA)

I opened a BBVA Compass Clear Choice Checking with a promotional bonus of {$200.00}. The terms state that in order to receive {$200.00}, you must open a Compass Clear Choice Checking before XXXX XXXX, XXXX and after openeing the account, make an electronic deposit from an unrelated 3rd party of at least {$300.00} into the account within 60 days of account opening. The bonus should post within 60 days. 

I qualified for the terms on XXXX/XXXX/XXXX with an electronic deposit of {$300.00} on XXXX/XXXX/XXXX and I have yet to see the bonus post to my account. After reaching out to BBVA compass they have been unhelpful and are unwillilng to solve the issue per the terms of the promotion. 

Timeline : Account Opening Date : XXXX/XXXX/XXXX Electronic Deposit {$300.00} : XXXX/XXXX/XXXX
Consumer complaint received 2022-06-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account EXETER FINANCE LLC Account # XXXX, has violated my rights 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 an account without written instructions I am well aware of my rights as a consumer. This account is only reflecting on my XXXX credit report. 
The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding collection items that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion, XXXX and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Consumer complaint received 2018-10-16
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)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I have disputed the accounts with the credit bureau XXXX  , to no avail..The account XXXX XXXX XXXX  XXXX XXXX is not mine. I asked for proof of my signature where I agreed to pay this account but the credit bureau couldn't provide any. This is very exhausting, CFPB please step up and remove the accounts
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneySpot USA LLC DBA Sunshine Loans (TX)

I applied for a loan with XXXX XXXX as I've done before. This time it was taking significantly longer to get a response ( going on XXXX days as of now, usually takes hours ) ; in the meantime they've sent quite a few emails and messages about applying for a loan, so i called customer service to find out they wanted to verify an old account. I no longer have it. I requested to update the details and the agent instead insisted on using the old account. Even ignored me when i repeated clearly that i no longer have that account and there's no way to verify something that no longer exists. Instead of informing me how to update the information, they proceeded to not give me any option asked if there was anything else I needed and immediately sent a denial email less than XXXX XXXX later obviously based on not being able to verify an old account for income that they were informed is no longer the right account. Which also means my last XXXX applications were denied in part for the exact same reason without being informed. Had i not called, I wouldn't have known. And each attempt counts against me and they're not explaining why the denials are happening in the correspondences. Due to their incompetence I demanded that they close my online account immediately in which ironically they're taking their time to respond too. Something should definitely be done about this company and if i wasn't initially desperate I wouldn't have dealt with them in the first place. I'd strongly suggest all stay away from them and report them if they reach out to you unsolicited, especially if you applied through a loan finder service and that's how they found you.
Consumer complaint received 2020-07-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to correct my incorrect credit score with XXXX and TRANSUNION since XX/XX/2020. I have sent 2 certified letters, made countless phone calls taking hours, and did not achieve a correction. I also hired an attorney, who also could not achieve a correction. 

Here is the issue ; I have 3 score factors " helping '' and 2 score factors " hurting '' my credit score on BOTH XXXX AND TRANSUNION. On XXXX, I have 4 score factors " helping '' and XXXX score factors " hurting. '' THIS NOTATION IN XXXX IS CORRECT. 

NOW : when I reach out to TRANSUNION AND XXXX  to rectify this wrong, all they keep doing is send me my credit report, and claim that it is correct as it stands. THE ISSUE IS, I AGREE THE CREDIT REPORT IS CORRECT AS IT STANDS. BUT, THE 2 FACTORS HURTING MY SCORE ARE " SERIOUS DELINQUENCY OR DEROGATORY INDICATOR '' AND " FEW ACCOUNTS IN GOOD STANDING. '' SO WHEN I GO TO MY REPORT TO FIND A DELINQUENCY OR DEROGATORY INDICATOR, THERE ARE NONE AT ALL! THIS IS WHY I AGREE WITH THEIR FINDINGS, MY REPORT HAS ABSOLUTELY NO DELINQUENCY AND NO DEROGATORY MARKER AND ALL MY ACCOUNTS ARE IN GOOD STANDING. BOTH XXXX XXXX AND TRANSUNION 'S CREDIT REPORTS REFLECT THIS ACCURATELY, BUT WHEN I LOG IN TO MY PAGE, THEY ARE STILL NOTING " 2 SCORE FACTORS THAT ARE HURTING MY SCORE. '' YET, THEY CAN NOT PROVE THIS ANYWHERE. HENCE, MY XXXX  CREDIT SCORE IS XXXX, AND TRANSUNION IS XXXX. For reference, XXXX  which got it ALL CORRECT awards me with a score of XXXX. I feel my scores from XXXX at XXXX and TRANSUNION at XXXX ARE INCORRECT. I NEED MY SCORES CORRECTED AND MY 2 " HURTING '' SCORE FACTORS REMOVED, AS THEY DO NOT EXIST. Again, my credit report is CORRECT from all 3 credit bureaus, but XXXX XXXX and TRANSUNION 'S score factors and scores are INCORRECT, as they do not reflect EXCELLENT CREDIT HISTORY EVEN THOUGH MY CREDIT REPORTS ACCURATELY REFLECT EXCELLENT CREDIT HISTORY. 

Please forgive my accentuation with the caps. I have gone through months and countless hours trying to get through to someone, and no one gets it on the end of the credit bureau. THIS IS AFFECTING MY LIFE in getting car loans and applying for a pre-approval for a mortgage to potentially purchase a home. It is not right when my score is incorrectly reflecting poorly on my EXCELLENT HISTORY. 

Thank you endlessly for any and all consideration.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX the check I wrote to pay {$750.00} for my child 's daycare deposit was debited from my XXXX  XXXX XXXX account to the payee 's Wells Fargo account. On XX/XX/XXXX Wells Fargo returned the check to my child 's daycare and charged them a returned check fee of {$12.00} for reason " Refer to Maker ''. I had sufficient funds in my account to cover the check and the {$750.00} was debited from my account and has never been credited back to my account. I've called XXXX twice now and they confirm that the check was cashed by Wells Fargo. The daycare has spoken with Wells Fargo who confirms the check bounced. I also called Wells Fargo who wouldn't assist me as I don't have an account with them. Neither bank will assist in resolving this matter and finding out which one has the {$750.00}. There is an error with either Wells Fargo or XXXX XXXX XXXX and I can't find out which one it is. Attached are the check 's image and details from my XXXX checking account showing it cleared and the check image and details from the daycare 's Wells Fargo checking account.