davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
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)

Dear XXXX Experian XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.
Consumer complaint received 2024-10-19
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. (MO)

To whom it might concern I am writing to DISPUTE the following files that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or sufficiency in your docious adhering to the mandatorily adapted credit reporting industrys standards namely the CDIAs own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions of cognate information that might else better ensure integrity of maledictions made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-06
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. (CT)

XXXX and transunion never send me verification that XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX [ never late ], XXXX, and XXXX, XXXX is reporting XXXX  please verify this account I never applied they do n't even do service in my area, it has been more than 60 days and the credit bureaus are not verifying accounts that does n't belong to me im going to take legal action.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (WI)

From my bill pay a check was accidentally sent to XXXX XXXX. I doubt I sent it to this payee because it is not directly above the list next to XXXX XXXX which where I am sure I sent it to. ( I say that because recently Wells Fargo sent a check to a company that was not even on my Bill pay. I sent a check to XXXX XXXX XXXX  XXXX and the check from bill was sent to XXXX XXXX XXXX  XXXX. I have not filed a complaint about this issue. I did not get my money back for a couple weeks. So bank kept the money. ) On XX/XX/XXXX I discovered that a check from my bill pay was sent to XXXX XXXX instead of XXXX XXXX. I immediately started a claim to get the money refunded to me. I also notified XXXX XXXX that a check from me had been sent in error. 

Today, XX/XX/XXXX I got an email from Wells Fargo saying that that finds from XXXX XXXX were returned to them. I then looked at my checking account and no funds were deposited. I called Wells Fargo and they told me it still takes 3-5 to processes. The bank sent check to wrong place and kept my money for several days.
Consumer complaint received 2024-10-19
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. (CA)

I am writing to formally report the unauthorized use of my personal information, which has resulted in fraudulent credit inquiries and attempted account openings in my name. These actions constitute a violation of federal law under 18 USC 1028 ( a ), which addresses identity theft and the fraudulent use of identification information. 

Specifically, on [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I became aware that several attempts were made to open accounts using my personal information without my consent. As a result of these attempts, numerous hard inquiries have been placed on my credit report by the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, nor did I apply for any credit with these institutions. This fraudulent activity has adversely impacted my credit score and financial standing. The unauthorized use of my personal information for the purpose of opening credit accounts and initiating inquiries is a clear violation of 18 USC 1028 ( a ).
Consumer complaint received 2024-10-19
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. (TX)

Subject : Final Warning Dispute Under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 1681e ( b ) This letter serves as my final warning to Experian regarding the 10 inaccurate accounts listed on my credit report. I have previously disputed these accounts, yet you continue to report them despite your obligation under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ) and 1681e ( b ).

It is evident that your investigation into my dispute was both lazy and inadequate. By relying on the automated e-OSCAR system to handle the investigation, you have completely failed to meet your statutory obligations to conduct a thorough and reasonable review of the disputed information. The law demands that Experian use reasonable procedures to ensure maximum possible accuracy, and this reliance on an automated system is a blatant violation of FCRA 1681e ( b ).

Additionally, when you claim to have updated the information in response to my dispute, the reality is that no such update was made. The accounts remain exactly as they were, and this false representation is yet another violation of your responsibilities under the FCRA. You are required by law to remove or correct inaccurate and unverifiable information. Continuing to report these accounts in their current form is not only misleading, but also a clear demonstration of your willful disregard for federal consumer protection laws. 

If you do not delete these 10 accounts from my credit report immediately, I will have no choice but to escalate this matter further. I am prepared to file a lawsuit against Experian for willful non-compliance with the FCRA, and I will also be notifying the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) of your violations.

This is your final opportunity to correct your errors and comply with the law. I expect confirmation of the removal of the disputed accounts from my credit report within [ set a reasonable time, e.g., 10 days ]. Failure to do so will result in legal action without further notice.

This version emphasizes that Experians reliance on e-OSCAR violates their duty to conduct a proper investigation, while also addressing their failure to update or remove the incorrect information. The letter warns of legal action if the issues are not corrected promptly.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Illegal foreclosure practices fraud upon the court banking entity pursuing me since 2007.  False affidavits, robosigning, banking entity not operating in good faith.
Consumer complaint received 2024-10-19
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX [ Date : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( XXXX ) XXXX Subject : Formal Notice of Non-Debt and Demand for Immediate Account Deletion To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account number XXXX purportedly owed to XXXX XXXX XXXX XXXX I assert unequivocally that I do not owe any debt to your organization. Following a comprehensive review of the XXXX XXXX XXXX from the California Secretary of State, it is clear that no valid debts or liens exist under my name associated with XXXX XXXX XXXX. 

Legal Grounds for Dispute : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the unequivocal right to request validation of any alleged debt. To date, you have failed to provide sufficient evidence to substantiate your claims. Specifically, I have not received : A copy of the original contract containing my signature. 
A detailed breakdown of the alleged debt amount, including payment history. 
Documentation verifying the legal assignment of this debt, if applicable. 

Your failure to furnish these documents constitutes a violation of my rights under the FDCPA and undermines the legitimacy of your claim. Furthermore, the absence of XXXX XXXX XXXX from the lien search results substantiates that any account reported against me is fraudulent. 

Demand for Action : In light of these facts, I hereby demand the following actions be taken immediately : 1. Cease all collection activities related to the account referenced above, as required by law. 
2. Remove any and all entries related to this account from my credit report to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
3. Provide written confirmation of the accounts deletion within 30 days of receiving this letter. 

Failure to comply with these requests will compel me to consider further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal remedies for violation of my consumer rights. 

Please be advised that this letter constitutes a formal notice and demand under applicable federal and state laws. I expect your prompt attention to this matter and a resolution that reflects compliance with legal standards. 

All correspondence should be directed to my address or email provided above. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed an incorrect balance from : XXXX XXXX XXXX  XXXX. Account # XXXX A 1099-C was issued, taxes were paid, and thus, by law, this balance should be corrected to {$0.00} and/or removed from my credit report. ( See 1099 attached ).

Delete the above-referenced account from my consumer report, this agency is in violation of 15 USC 1681.

The Fair Credit Reporting Act ( FCRA ) provides for actual damages, statutory damages for willful or intentional conduct that violates the FCRA, and punitive damages for malicious conduct harming a consumers credit or reputation for creditworthiness.

Furthermore, the FCRA provides for the recovery of attorneys fees and costs to the prevailing consumer ( paid for by the creditor or bureau ).

Therefore, failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking at least {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and many more!
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In the wake of the devastation the State of Florida has experienced due to recent Hurricane Milton, the several tornadoes, floods, and other Hurricanes, FEMA and several banks and creditors are working with state and federal officials to provide information on disaster relief resources and information. 

Many creditors and banks are also extending courtesy to South Florida victims impacted by the Natural disasters by furloughing/waiving Credit card XXXX credit reporting and loan payments. 

Several areas in South Florida still currently have no electricity, no landlines, no running water and very limited cell service. 

Therefore, i am requesting that you stop reporting any delinquencies and late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please also waive any minimum payments due from XXXX for at least 90 days ; waive the minimum payment up to three billing cycles. 

Do not report it as a late payment. 

Prevent and waive any late fees. 

The reason why insurers are acting so fast on this is if you remember after Katrina hit XXXX XXXX and Hurricane Wilma hit Florida ( before mobile banking ) all of the credit card companies were cooperating with the exception of one issuer. 

The media caught wind of it when they said if you can't make the minimum payment, we'll just add the late fee to your existing balance. XXXX XXXX then retracted and retroactively refunded late fees in Hurricane affected areas.
Consumer complaint received 2024-10-19
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. (CA)

XXXXXXXX XXXX XXXX BALANCE {$16000.00} XXXX XXXX  XXXX BALANCE {$18.00} XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX BALANCE {$41000.00} RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-19
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)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH, PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX # XXXX open XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX Amt {$250.00} XXXX & XXXX XXXX XXXX open XX/XX/XXXX Amt {$700.00} XXXX XXXX  # XXXX open XX/XX/XXXX Amt {$370.00}
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-10-19
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. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. XXXXode 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXXXXXX XXXX XXXX. Account number : XXXX Balance : {$14000.00} XXXX XXXXXXXX Account number : XXXX Balance : {$7500.00} XXXX Account number : XXXX Balance : {$10000.00}