davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute an inaccurate account listed on my credit report. The account in question is listed under the name XXXX XXXX XXXX XXXXXXXX, account number XXXX, and pertains to a debt originally owed to XXXX XXXX. 

The details of the disputed account are as follows : - Account Type : Debt Buyer - Date Opened : XX/XX/XXXX - Delinquency Date : XX/XX/XXXX - Balance : {$3700.00} - Status : Collection account as of XX/XX/XXXX I have reason to believe that this account has been reported inaccurately, violating the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Inaccurate Reporting of the Account Date : The account was first delinquent on XX/XX/XXXX, yet it is reported as opened on XX/XX/XXXX. This misrepresentation of the account 's timeline is inaccurate and misleading, as the delinquency predates the reported opening date by several years. As such, this raises concerns about the validity of the reporting practices used by the debt collection agency. 

2. Unfair Collection Practices : The debt collection agency has engaged in unrealistic debt tactics by continuing to report inaccurate information and refusing to correct or delete the entry despite my previous disputes. 

Given the inaccuracies surrounding this account, I request that you immediately remove this erroneous entry from my credit report. 

Enclosed, please find the following documents to support my claim : 1. A copy of my credit report highlighting the disputed account.

2. Documentation of prior communications regarding the dispute. 

Please confirm in writing once this dispute has been resolved and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo firstly fraudulently charged me extreme and excessive overdraft fees upwards of {$300.00} dollars even though I had already explicitly stated and changed my policy agreement so that overdraft protection would not be added on to my account and i would not be charged any fees but they still did this and I ended up with hundreds of dollars of illegal fees that they would not waive no matter how much I pleaded with them and that was the first red flag. Next they opened a credit card account for me which I never asked for I used the credit card here and there until one day some how the limit of XXXX was reached unbeknown to me because there is no way I could have ever spent that much in the 6 months or less that I had been using the card. Excessive fees were charged and interest rates were exorbitant. I since have closed the credit card only to see my balance is now at {$3800.00} and climbing even though I closed the card and intent to settle as I do not believe these are legal and true charges I made. This company is so fraudulent and takes advantage of people who ca n't defend themselves or fall victim to big banks schemes. I am a college student trying to pay my student loans and now this, this is just yet another instance of the bank committing crimes and the consumer is bearing the cost. Please if you can help me to resolve this issue with wells fargo I would do anything. I would even pay them even though I believe they should be paying everyone who has been harmed by them not the other way around however carrying this burden on my shoulders and on the shoulders of my credit report is really taking its toll not to mention the stress it puts on family members and love ones. Thank you
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Our Mortgage was recently transferred from XXXX to Select Portfolio Servicing Inc. around XXXX. I always make my normal monthly payment and wait for it to process. After this, but before my next payment due date, I make an additional principal payment of {$5000.00}. I originally called Select Portfolio Servicing on XXXX, to notify them that I will be making this additional principal payment every month and to put a note on my account. Select Portfolio Servicing wants to charge me an extra fee if I call in and make a payment and if I make a payment on their website. The only other way I can make a payment without paying an additional fee, is through my bank account. ( I REFUSE TO SET UP AUTOMATIC WITHDRAWALS ). Each time I make an additional principal payment, I put in the Memo : " APPLY ALL TOWARDS PRINCIPAL. '' Everything went fine on XXXX, XXXX, & XXXX. Starting on XXXX and XXXX, they have not applied my extra payments towards principal CORRECTLY. They have put one payment from each of those into the future and my payment date is changing. I had to call in both times to have the payment fixed. I did this with XXXX all the time ( They actually waived the phone fee for me so I could call in each time and make the payment over the phone, but it still did not work every time ). They are telling me that I can not speak to anyone else or have a supervisor assigned to my account. They tell me that this is the way their computer system is set up. I told them I do not care or want to hear their excuses. I told them that I want someone to manually enter my extra payments. I told them that they are not following the terms of our mortgage. It states directly in our Mortgage Loan Documents/Agreement, that any payment made in addition to the normal payment ( as long as the entire amount is more than the monthly payment amount ), AND all other fees due are paid off, it WILL BE APPLIED TOWARDS PRINCIPAL. This is a game and I am tired of playing it. I have to waste my time every month to call them back and they trying to cause me to also pay more interest each time, WHICH IS NOT FAIR OR RIGHT! The Payment Area is on the second page, # 5.
Consumer complaint received 2024-10-13
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. (CT)

In accordance with the Fair Credit Reporting Act. The List account below has violated my Federally Protected consumer Rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A.

It also states a consumer reporting agency can not furnish an 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 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 2024-10-13
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. (TX)

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 XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries 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 2017-08-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MacDowell & Associates, Ltd. (GA)

On XX/XX/XXXX, I received notice from an employer that I work temporary for from time to time ; pertaining information from XXXX XXXX, MacDowell * Associates , Ltd., XXXX, Georgia, about Garnishment of wages. When at this time, I am not even working for the company. MacDowell & Associates is claiming I owe XXXX XXXX XXXX, for payment after returning a lease, for what I have no idea because I never received a bill from XXXX XXXX XXXX after the lease obligation was fulfilled without any debt owed. The lease was purchased in the State of South Carolina from a XXXX dealer ; it was a 3 year lease from XX/XX/XXXX to XX/XX/XXXX ; in XX/XX/XXXX the vehicle was return, and I thought that was the end of it. After, almost 2 decades ( seventeen years ), MacDowell & Associates is still harassing me at whatever employment opportunity I get. Last year, they filed a complaint with another employer that I had a temporary job with. The continuous harassment and defamation of my character over what they claim is a debt from XX/XX/XXXX is unfair, I contacted them and told them to stop harassing me over this untrue debt. They are quoting the principal amount for {$1400.00} and total amount due {$5300.00}. I never received a bill for anything in XX/XX/XXXXfor XXXX XXXX XXXX saying I owe for anything after the lease was fulfilled. MacDowell * Associates , Ltd. is the company sending the garnishment notice 2 decades later. I have never received a copy of a bill of anything from MacDowell & Associates other than, garnishment notice ; no bill statement, etc. since XX/XX/XXXX, seventeen years ago.
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I have a Discover credit card ( ending in XXXX ). In this card, I have {$25.00} available credit. Over a week ago I called Discover credit card customer service to request credit refund via ACH Transfer to my external bank account. However, it has been more than a week but I have NOT received the refund in my external bank account yet. I call Discover customer service for quite a few times, but never got resolved in this issue yet.

I request Discover to immediately refund me the {$25.00} available credit via ACH Transfer to my external bank account.
Consumer complaint received 2017-08-22
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. (TX)

I was checking my credit score on Equifax last week and come to know that i have one collection which is un-paid since XXXX 2017 of XXXX XXXX XXXX. I am still in shocked to see this because i really do n't know who they are even i never visit them. I do n't have any type of medical issues. I am trying hard to maintain my credit since last 3 years that is the reason that i always getting good offers from different financial institutions but now i am loosing my credit points because of this un justify or fraudilant transaction of {$790.00}. Please look into this matter as your earliest. Your prompt attention in this respect will be highly appreciated .. Thanks.
Consumer complaint received 2017-08-23
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. (MO)

Credit Burea Trans union stated that XXXX XXXX verified the bankruptcy with the courts but per the letter I received from the courts that 's not true
Consumer complaint received 2017-08-23
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: LEXISNEXIS (MO)

Credit Burea XXXX XXXX stated that Lexis nexis verified the bankruptcy with the courts but per the letter I received from the courts that 's not true
Consumer complaint received 2024-10-03
Product: Credit reporting 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. (NY)

Recently checking my credit report i notice that I've been a victim of identity theft and found numerous credit inquries I have no knowledge of here are the inquiries that I've found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well,
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (FL)

Sometime around XX/XX/XXXX, I understand that Pendrick Capital Partners purchased an account from XXXX XXXX XXXX XXXX. The amount of the debt was supposedly {$870.00}. Since that time, they have farmed out collection of it to a half-dozen different debt collectors. I have explained on multiple occasions to their hired agents that I had insurance which should have covered the entire amount due to the ER. Then, around XX/XX/XXXX, Pendrick hired a company called XXXX XXXX XXXX in Pennsylvania to try to once again collect the {$870.00} it claims ( wrongly ) is owed. I looked up XXXX with the Florida Office of Financial Regulation and quickly saw that XXXX is not licensed to collect debt in Florida, as state law requires. How is it that I, as a single consumer, can quickly check into this and see that this debt collector has no legal ability to collect debt in Florida, yet a company as large as Pendrick does n't bother to do so? Take a look at the Florida consumer collection agency license. It reads in large capital letters that was REVOKED. This means nothing? So besides a debt which has been disputed and shuffled around to a half-dozen different collection agencies, Pendrick Capital has hired an unlicensed company to collect on a debt that should n't exist. This is all very fishy.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (FL)

An account from XXXX that was beyond the statute of limitation and was since removed from credit report just showed up again as a new debt in collections that is 3 months old. This has been disputed with XXXX but I would like to report the collector who is reopening closed accounts.
Consumer complaint received 2016-10-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I received a letter from SLS dated XX/XX/2016 that said I might qualify for a HAMP modification. I filled out the HAMP application packet included with the letter, and faxed it back to SLS on XX/XX/2016. Shortly after that, I called SLS to confirm that they had received my application. I spoke to an SLS representative and she confirmed they had received my application and she gave me a rough estimate of future modified payments. She did not tell me that I needed to send anything additional. Now SLS has scheduled a foreclosure sale on XX/XX/2016. I never got any answer from SLS about my modification, and they never communicated with me about anything else I needed to do. Not only is this not fair, but it will make me and my family homeless including my children who grew up here.
Consumer complaint received 2024-10-13
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: Experian Information Solutions Inc. (LA)

I have submitted several disputes about this account XXXX XXXX # XXXX, not reporting accurately to my consumer report. Both Experian and XXXX XXXX keep making false statements claiming the account is reporting accurately and it is NOT! CFPB is suppose to make sure me as a consumer is getting treated fair and that's not happening in this case ...... 
According to 15 USC 1681 E ( B ) - ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. 
Also under 15 US C 1681i ( 5 ) Procedure in case of Disputed Accuracy- if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information 's found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall remove it from consumer report.. 

I have enclosed copies and high lighted all the inaccurate on this account
Consumer complaint received 2024-10-13
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: Experian Information Solutions Inc. (MS)

I SENT DISPUTES IN SEVERAL WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG XXXX DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE AN XXXX XXXX  WITH ( XXXX XXXX ) SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER BEEN LATE ON ANY PAYMENT SINCE HAVING THE LOAN. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY.
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (TX)

The statute of limitation in the state of Texas is 4 years. This exceeds the statute of limitation timeframe. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4. ) Regards
Consumer complaint received 2017-08-22
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. (FL)

Here is the situation I have my wife as an authorized signature on a couple of my accounts. The problem is she is just that an authorized signature. Now when we pulled up her credit reports these accounts show up on her report. Now when I signed her up I never gave any information on her social security number nor did they ask for it. Why do they have the right to put that on her credit report without a social security number? So if that is true then anyone in the world can put her name as a authorized signature and it will show up on her report and you would n't know unless you pull up your reports. This to me is a invasion of privacy and should not be allowed unless the primary person puts a social security number down. What is the fix to using an authorized signature.