davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX and I need my claim to be reopen and investigate again and dispute status change to fraudulent unauthorized because I didnt authorized the payments or never requested yall to withdraw my claims so it need to be reopen and investigation again and change to fraudulent unauthorized I didnt do the payments and the claim number is XXXX and pictures are attached below please look at them below etc My name is XXXX XXXX XXXX  and contact me at XXXX etc.
Consumer complaint received 2024-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

I had a medical bill paid XX/XX/year> to XXXX XXXX. On XX/XX/year> the hospital changed ownership. The hospital said they can not help me because the bill was paid the day before they took over. The old hospital owners reported the debt to a collection agency prior to selling out. The new owners at the hospital show Medicare paid it. When I tried to explain this to the collection agency they hung up on me 7 times! They kept hanging up on me and have now reported this twice against my credit. I do not owe it!
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (CT)

I would like to file a complaint against M & T Bank for the harm I suffer because of negligence of lack of transparency distribute XX/XX/XXXX. XX/XX/XXXX I filed XXXX separate disputes XXXX because of a refund that I was supposed to get for my vendor and XXXX against a vendor that charge me for services not rendered. I was given a credit provision to a investigation on the transaction. So I still was able to use my debit card going forth and made multiple purchases all the way up to XX/XX/XXXX in which in the same day I made XXXX purchases with the same debit card. At around XXXX XXXX  I was attempting pay the bill for the food I rendered at establishment in XXXX Connecticut in my debit card repeatedly decline. So I called the bank customer service line in which I was informed that they shut my debit card down without warning because of the disputes filed on XX/XX/XXXX and the bank made the mistake by not taking this action immediately after me filing the dispute. Because they took this action without notifying me I was not able to pay for my food because without my debit card you can not even go to the ATM machine and the bank was closed so because I couldn't pay for my food I got security called on me and was banned from the establishment because I could not pay for the food I rendered and I was very embarrassed. To add M & T bank don't have no provision in which if they shut your debit card down because of fraudulent transaction can be offered a temporary XXXX so you can make debit and ATM transactions. You have to wait XXXX to XXXX business days for a new card and can only gain access to your money by actually going to the bank doing business hours in which restricts your access to your own money. In conclusion because of M & T bank actions I was harmed because I was kicked out of the establishment because I can not pay for a service that I rendered because I was not informed that my debit card was not active. In the screenshots I uploaded you can see I was using my debit card between XX/XX/XXXX all way up to the XXXX until in the afternoon when my debit card suddenly stopped working.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (CA)

I will never stop doing this as needed since I see that you are not taking action on my concerns. This is my refilling of complaint to XACTUS, LLC for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX. I have attached also the letter response from XACTUS, LLC that they are deleting or blocking these inquiries but I still these unauthorized inquiries reflecting in my credit reports and continue to damage my credit reputation and credit scores.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment REPUBLIC/NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX ( es ) XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commercial Acceptance Company (FL)

I have a near perfect credit score. I reached out to COMMERCIAL ACCEPTANCE as soon as I saw this hit my credit report. They claim they called me numerous times but I never received a single call from them. I challenged them to show me the phone call they then said they sent letter to an address that I haven't lived in for close to 5 years. 
Furthermore, They are saying that they are collecting this debt for an ambulance company that I already gave my medical insurance card to. 
This ambulance company had all my information as well but they also never reached out to me about anything. Clearly you can see that based on my credit history was over XXXX, I pay all my debts. No one told me of this debt, no one called me, no one reached out to me, No one tried to tell me that I even owed this debt, rather they sent this to the credit report agencies. I am livid over this and I will be sending multiple complaints to every agency. I am more than willing to pay if only I was told!!!!! I I want to see the original invoice and I want the company to contact me. This must be removed for my credit report because they illegally sent it to the credit reporting agencies without ever first contacting me for resolutions. I know my rights and they violated them as a consumer. 

Please contact me and let me know how to proceed with this because I am extremely angry
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute and Request for Validation of Account : XXXX Dear CFPB, I am writing to formally dispute the account referenced below that is appearing on my credit reports with XXXX and Experian. This account is not mine and has been inaccurately reported. Despite disputing this account on multiple occasions, I have yet to receive any communication or validation of this account. I am now requesting your immediate intervention to ensure compliance with the law and that this matter is resolved promptly. 

Disputed Account Information : Account Name : XXXX Account Number : XXXX Credit Bureaus Involved : XXXX , Experian Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Current Status : Closed, Paid Comments : I have not authorized this account to appear on my credit report, and it is not mine. The account should be removed immediately as I have requested validation on several occasions without any resolution. 
This letter serves as my formal demand for validation of this account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide original documentation, including any signed agreements or contracts showing that I am responsible for this account. If such validation can not be provided, I insist on the immediate removal of the account from my credit reports. 

Furthermore, I assert my rights under the following laws : FCRA Section 611 : My right to dispute inaccurate information and have it corrected or removed if it can not be verified. 
FCRA Section 609 ( a ) ( 1 ) ( A ) : My right to request information and documentation related to any item of information on my credit report. 
FDCPA Section 809 : The obligation for a debt collector to validate the debt upon request. 
As of today, XX/XX/XXXX, I have not received any communication regarding this matter, and the account continues to damage my credit unlawfully. I demand that all inaccurate information be removed from my credit reports immediately. 

Thank you for your immediate attention to this matter. I trust that the CFPB will handle this issue in accordance with the law. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: IQOR US INC (VA)

I dont know how someone got my information. I know I lost my social security card maybe a year ago and had to get a new one but Im seeing hard inquiries and collection accounts thats not me. Ive worked hard for my credit so I need this to be removed!!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (CA)

I have included a letter that was previously not included in my recent complaint regarding this matter. 

I am filing this complaint because NORTHSTAR LOCATION SERVICES and XXXX XXXX XXXX have repeatedly contacted me, claiming I owe a debt that I do not recognize and for which I have no contractual obligation. I have no relationship with either company, nor have I authorized the sharing of my personal information with them. Despite my lack of consent and the absence of any valid contract, they have continued to send misleading and unauthorized communications, causing undue stress. I request that all collection activities and communications cease immediately, as these actions violate the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MO)

XX/XX/year> I received a call from a XXXX  phone number XXXX XXXX XXXX and with only verifying my first name and nothing more the gentleman on the phone began to say that this will help me avoid pending legal action. He then proceeded to ask me for personal information. I have not received any correspondence from these people, so no dispute, and threatening legal action without properly verifying someone is also very sketchy. The only reason I know it is Midland Credit Management is because I XXXX  the phone number.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

With phone calls & nochange to my report I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 XXXXXX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern, I am writing to formally dispute the information reported on my credit profile regarding a debt from XXXX XXXX XXXX  XXXX This debt was sold, and the information currently reported is inaccurate. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and ensure that the XXXX XXXX XXXX entry is removed entirely from my credit report. The inaccuracy of this information is negatively affecting my credit score and trustworthiness.

Maintaining inaccurate information on my credit report is illegal, and I believe this mistake needs to be corrected promptly. I have documentation supporting my claim, including statements and correspondence with XXXX XXXX XXXX  XXXX that I can provide upon request. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

I recently reviewed my credit reports and discovered multiple inaccuracies, including incorrect information related to my date of birth, addresses, and other personal details. These errors have been improperly reported to the credit bureaus, which is not only unjust but also a violation of the Fair Credit Reporting Act ( FCRA ). This inaccurate information has caused significant harm to my ability to live a decent life, impacting my access to housing, credit, and employment opportunities. 

The FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), mandates that credit reporting agencies " conduct a reasonable reinvestigation '' of any disputed information within 30 days. If the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected. The continued presence of these errors on my credit reports is unacceptable and has caused undue stress and hardship. 

I have attached proof of the correct information and formally request that these inaccuracies be removed immediately from all of my credit reports. It is crucial that these errors be corrected without further delay to prevent additional harm to my life and well-being.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

on XX/XX/2024 I received a copy of my consumer report with accounts furnished fraudulently. The consumer reporting agency has failed to investigate my credit report multiple times. I have been a victim of Identity theft like I stated in my prior communication. According to 15 USC 1692G All debt collectors are required to provide sufficient evidence to validate their attempts to collect on a debt. No evidence has been provided to me to validate these accounts in question. I have no consumer credit contracts with these companies nor have I ever consented to any of these companies to use my non public personal information.he accounts I am referring to is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts shall be removed.