davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (KY)

XX/XX/2014, I purchased Jewelry on the a Wells Fargo XXXX XXXX. This was a 12 months same as cash arrangement. When I received the bill, I set it up for 12 months with 2 weeks before the final due date. My account was on auto payment and was in good standing. 

Wells Fargo did not apply my last payment until after the " deadline '' date of the contract ( let me reiterate, this was on autopayment and completely in good standing. The amount sent he period was greater than what was required to payoff in advanced of the arrangement ). Believing my payment was paid in full, I did not check back until a credit alert occurred on my credit score. 

I called Wells Fargo immediately and was told the only way for me to dispute the charges was to fax or mail a letter. The letter below was sent on XXXX XXXX. I have since called twice ( with their collection agencies calling my phone multiple times a week ) and the letter is never received. Forcing me to either pay {$540.00} ( which is about XXXX % of the amount I put on this card to start with ) or get a 60 day delinquent mark on my credit. 

( The fact that my last payment was not applied for several weeks was CONFIRMED by a Wells Fargo Rep when I called ; however, he could not do anything about it. He could only ask me to send a letter. That letter was never received. ) This is a predatory practice. The fact there is no way to dispute and get a resolution of these charges short of a fax or a letter that will never be received is prove of this.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

XX/XX/2016 To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit intonation. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these items are accurate and correct. Name of Company, Person Who Verified the Information, Phone Number and Date verified 1 ) I am disputing that the information on the credit report sent was not answer XXXX XXXX. is not accurate and that I request to be provided proof that this information is accurate failing that you must remove this item from my report and send XXXX a update copy as soon possible. If this report is the cause of me not getting approve I will be seeking legal action. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee, should you continue report these inaccurate report. 
Under federal law, you have 30 days to complete your re-investigation, yet you have failed to answer my items high lite in the first report. Your continued delays are inexcusable. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information to be provided a complete copy of the credit report that any Company or Bank can review on completion of your re-investigation. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee. should you continue reporting this inaccurate report. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to provide a complete credit report. Your continued delays are inexcusable.
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery Associates has a collection against me claiming that they purchased an old debt from XXXX XXXX. This is a complete scam as the debt was so old it was no longer posted on my personal credit bureaus. So now we have Portfolio Recovery Associates claiming that they purchased a debt originally written off and settled upon in 2008. As I stated, the account was so old it is no longer posted on any of my credit bureaus. Portfolio Recovery Associates happens to be running a scam, filing on my credit reports that they purchased a 10-year old debt. I request full documentation of ownership in the following criteria : 1 ) The payment history from XXXX since the account procurement. 
2 ) A copy of the debt pooling agreement XXXX pledged the debt asset to, and the terms of transfer back to XXXX once the account went into a charge off status. 
3 ) The timeline when the debt was either settled or permanently written off.

4 ) A true copy of the transfer of ownership to PRA if it ever existed.

Upon the proof that any one of these criteria 's can not be ascertained, I need written validation that my file information has been purged, and that PRA has permanently eliminated the negative trade line from all credit bureaus. 

This type of debt purchase scams has to end on a national level. 

XXXX XXXX
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (IL)

Upon checking my credit report in XX/XX/XXXX, I noticed several accounts that I was not familiar with. One of the those accounts was a XXXX XXXX credit card with a balance of {$970.00}. I immediately mailed a letter requesting proof/explanation of the debt via USPS certified mail ; tracking # XXXX. The letter was delivered XX/XX/XXXX, to this very day, XXXX XXXX have not responded to my request and insist on imposing this debt and reporting it to the credit bureaus. The date of the letter is in the right hand corner, RTN : XXXX XX/XX/XXXX ( see attached ). The number is a response tracking number with the date incorporated. No response was ever received.
Consumer complaint received 2019-03-07
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. (FL)

I established a membership with Experian. My personal information was incorrect- 4 wrong addresses and an incorrect name. It 20 attempts to reach someone by phone to get this corrected and to cancel my membership. Phone and chat were unavailable. I could reach no one to discuss an incorrect creditor
Consumer complaint received 2015-08-26
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Machol & Johannes, LLC (CO)

In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ). 

After receiving this information, attorney for the plaintiff, Machol and Johannes, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (NY)

I opened a fraud dispute with my bank REGIONS, under the claim id XXXX, I lost my card and there are several fraudulent charges with my debit card ending in XXXX. 
The bank denied the claim without any valid explanation.
Consumer complaint received 2019-03-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

As a consumer I have requested the description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, person that was contacted from the original creditor, phone number and all from the XXXX XXXX XXXX XXXX XXXX. 


On XX/XX/2019, XXXX XXXX XXXX responded to the complaint from Federal Consumer Protection Bureau and stated, that they have mailed proper Validation and have spoken to the original creditor and the original creditor confirmed the debt was valid. As of XX/XX/2019, NO CORRESPONDENCE has been received from XXXX XXXX XXXX or the original Creditor. 
Two certified letters were sent to XXXX XXXX XXXX requesting Method of Verification ( attached are the certified mail receipts ). Also, certified letter was sent to the original creditor asking and requesting information about the accused debt. No response from the XXXX XXXX XXXX or the Original Creditor. Therefore, this accused debt should not be listed on my credit reports. 
XXXX XXXX XXXX has violated my rights underneath the Debt collection act. They are aware that this is an investigation and they are still reporting this account and has not provided the proper valid validation or verification which is considered to be UNFAIR PRACTICES according to 808. Unfair practices of the FAIR DEBT COLLECTION PRACTICES ACT. 
XXXX XXXX XXXX has also violated 807. False or misleading  representations, 812. Furnishing certain deceptive forms, 809. Validation of debts according to the FDCPA. 

I was never notified by XXXX XXXX XXXX in regards to the investigation. Also, I did not receive a written verification or validation notification from XXXX XXXX XXXX in regards to the dispute. Also, no information was not furnished or provided by the Bureaus stating that this debt belongs to me.
Consumer complaint received 2019-11-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2019-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and identity fraud. After looking through my credit reports I found the hard inquiries that I do not recognize. 
XXXX XXXX, FL XXXX Inquiry date : XX/XX/2018 Inquiry date : XX/XX/2018
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

I am on a repayment plan income driven and my payments are {$0.00}. On my credit report my score keeps dropping because Navient keeps reporting my balance increase. I contacted Navient and they keep telling me they are not reporting and there is nothing they can do.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

I had a lot of fraudulent transactions happened on my card while I was traveling, I had no notification from td bank about any of the transactions and the card in question was never even delivered to me because I wasnt even here. I never used the card and they gave me a provisional credit but then returned it and now my account is in a negative balance. I never did any of these transaction and td bank is making my life a living XXXX. Please help
Consumer complaint received 2018-02-02
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: Experian Information Solutions Inc. (TX)

Personal Statement : MY WALLET WAS STOLEN BACK XX/XX/2010, I HAVE ALREADY TRIED CALLING ALL 3 CREDIT BUREAUS SEVERAL TIMES, SENT IN POLICE REPORT, AND RECEIVED NO HELP. I CONTACTED THE POLICE AT THE TIME IT HAPPENED AND WAS TOLD THERE WAS NOTHING THEY COULD DO SINCE I DO NOT HAVE THE NAME OF THE PERSONS RESPONSIBLE. I HAVE CONTACTED THE COMPANIES PERSONALLY FOR ALL THE INQUIRIES ON MY CREDIT REPORT ANS ALSO NO HELP. I HAVE DONE MANY THINGS TO TRY AND CORRECT THE MISINFORMATION ON MY CREDIT REPORT, AND ALL THE INQUIRIES ON MY REPORT. THIS IS VERY STRESSFUL AND HAS CAUSED A STRAIN ON MY FUTURE FINANCING ALL BEACAUSE SOMEONE STOLE MY IDENTIY. IT'S HENDERING ME FROM PURCHASING A HOME AND I HAD TO GET MY MOM TO HELP ME FINANCE A CAR. PLEASE HELP ME CLEAR THIS MATTER UP IF YOU CAN THANK YOU.
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (PA)

This company is reporting a collection on my credit reports however the address linked to the collection is NOT mine nor have I ever lived there. The house number and street name and state are the same but the town and zip code are not mine. I have tried disputing this debt and asked for PROOF that this debt is mine, they have not given me proof. I have NEVER lived at the address they are reporting nor have I even lived in that town. They have not shown me anything and I am tired of it ruining my credit due to their improper reporting.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Department of Education Student Loan XXXX. Balance {$880.00} removed by Dept of Ed. XXXX  reports balance on loan. Several attempts to have account removed from report as directed and documented by Dept of Education gives no results or action from Experian.
Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (TX)

Submitted a dispute in XX/XX/2020. Original creditor was XXXX XXXX XXXX. Experian deleted the account. In XXXX, they placed it back on my credit report with another companies name that I have no knowledge of so I disputed it. It appears after it was deleted, XXXX XXXX XXXX sold it to a collection company. This company can not validate the information nor does it have a contract or my signature.
Consumer complaint received 2022-09-09
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. (GA)

In accordance with the Fair Credit act XXXX XXXX CO Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 my written instructions.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character.

Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805.

In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer.

Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent.

As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2022-09-09
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)

On my credit report there is a hard inquiry from an organization called XXXX. The date of this hard inquiry is XX/XX/2021. I did not apply for credit from this organization on XX/XX/2021 I am a victim of identity theft and I want this hard inquiry removed from my credit report immediately. I am enclosing a copy of the identity theft report that I filed.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app XXXX  XXXX  Equifax All show this info that was no fault of my own
Consumer complaint received 2019-03-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I disputed an item on my Equifax file " XXXX XXXX XXXX XXXX '' because it was outside federal obsolescence. The status was " current '' and it was " Paid after foreclosure started ''. I have attached two images ( XXXX and XXXX ) showing this status as ofXX/XX/XXXX ( Account number listed XXXX ) After disputing the item, Equifax changed the status to " charged off ''. I have included the images ( XXXX and XXXX ). An item can not be paid after foreclosure and current in XXXX and then become a " charge off '' in XXXX. This is an example of willful negligence ( as provided in the Fair Credit Reporting Act ) on the part of either Equifax or on XXXX XXXX XXXX. 

I want this item removed from my file or I will seek punitive damages as provided in the federal law.