davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information that has been reported on my credit report. Despite my previous attempts to rectify this matter, the information continues to be inaccurately reported. I have requested investigations into this account on two separate occasions, and each time the investigation concluded that the information was accurate. However, I have substantial proof that this is not the case. 

The account in question XXXX XXXX XXXX Account number : XXXX The following inaccuracies have been identified : Incorrect Charge-Off Status : The account is inaccurately listed as a charge-off. This account was included in a bankruptcy filing, and thus should not be reported as a charge-off. 

Incorrect Remaining Balance : The balance listed on the account is incorrect. The accurate balance is {$15000.00} contrary to what is currently being reported. 

Discrepancies Across Different Credit Bureaus : There are multiple inaccuracies reported to different credit bureaus. The information about this account is inconsistent across various reports, which further supports that the information being reported is inaccurate. 

I am including the following documents as proof of the inaccuracies : Documentation of documents sent to me by creditor, showing that this account is open in bankruptcy Statements or communications from the creditor showing the accurate balance. 
Copies of my credit reports from different bureaus highlighting the discrepancies. 
Due to the significant inaccuracies and the fact that this account has been mishandled in reporting, I kindly request that this account be deleted from my credit report. I expect that this dispute will be resolved in compliance with the Fair Credit Reporting Act ( FCRA ). Please confirm receipt of this letter and provide me with an update on the status of my dispute as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-25
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. (PA)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2019-01-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mendelson Law Firm (TN)

InXX/XX/2017 XXXX XXXX came to our home every 2 weeks to demand money. 
Finally, we surrendered the vehicle in XX/XX/XXXX. We never were notified of sale of vehicle, or the amount they sold it for. The only notice we received was an amount they put on our credit reports. 
When we tried to obtain verification and validation of the collection amount, XXXX sold the debt to a debt collector. They violated my rights as a consumer by 1. Sending thugs to my home every 2 weeks. 2. Never notifying if any kind of the sale of the vehicle.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Each Credit Bureaus was sent certified letters informing them of all FCRA BY-LAWS and ALL FAIR DEBT COLLECTION PRACTICE ACT VIOLATIONS, They have continually Shown Un willful non-compliance and consist of negligent of non-compliance.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-05-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: American Credit Financial (TX)

I have had repeated calls about a debt I owed. They have called several of my family members telling them I have XXXX fraud charges being filed against me and I needed to call to get my court date. I called them and asked them to send me some information and that I was n't going to pay them until I could validate the debt. They said I had to pay that day or they would file civil charges against me for fraud. The next day the " legal courier '' called me to let me know that she had an order in her office to file charges. I told her I did know about this debt and that in past 4 years they have never sent me any paperwork saying I owed a debt. She told me to call back and get the paper work I needed. All they calls were made with a no caller id on my phone.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-10-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AIH Receivables Management Inc. (KS)

Below is my best recollection - - - not sure exactly how many calls but this is the idea. 
The company is AIH Receivables , Inc. - they were calling me to collect payment for an account with XXXX XXXX XXXX XXXX XXXX. 

First call - in XX/XX/2018 - They called and were very nice. I told them that I was not aware of this bill and to please give me a chance to find out more. They said yes and theat they would call me back in a week or so. 
Second Call - yes this is my bill and I can pay {$25.00} per month. They said that they needed at least {$100.00}. I told them that I could not pay that amount but give me a few days to check and see what I could do. 
Third Call - early XX/XX/2018 - I explained that the best I could do was {$25.00} per month for now and that hopefully after the first of the year I could increase the amount. The lady - same lady on all three calls - became hostile and started asking random questions - did I own my home, how many people lived in my home and other things that I do not remember and other questions that I did not understand to be relevant to this conversation. I asked her to wait, hold up, please stop for a minute so that we could talk, so that I could understand where she was going with these questions, but she would not! She kept talking, questioning me, the tone was hostile, she became loud and the questions kept coming. It was like she was mad at me! I had to hang up because she would not stop! 
Fourth call - late XX/XX/2018 - another woman called - and the overall conversation was that I was not doing XXXX XXXX XXXX any favors by giving them {$25.00} a month and that I owed them the full amount now! It was a different amount from the amount that the first lady gave me and she would not explain to me why the amounts differed. She asked who was XXXX XXXX. ( his name was on the account as it is his medical bill and he is XXXX by the way )? I told her that he was my son ( I am his legal guardian and biologically his great aunt ). She said then they needed his father 's name so that they could GO AFTER him for the payment! She also asked if I worked for XXXX XXXX I told her that company closed several years ago, I did use to own that company and why do you need that information? She would not tell me why, she just kept asking questions. I told her that I was not going to answer any questions not relative to this bill and she said that was OK because they would be getting their money from me by any means possible. I told her that I could at least be making some payments, putting some money on the account. They said that was not what they needed. They needed the full amount paid to them now!
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (GA)

Shellpoint Mortgage took over my original HELOC from XXXX XXXX during this they canceled all HELOC checks and other access to funds by letter on XX/XX/XXXX. It took 10 days of calling to get a live representative on the phone to discuss when funds would become available again. I was told on XX/XX/XXXX checks had been mailed and would arrive XXXX business from XX/XX/XXXX. They did not arrive on XX/XX/XXXX and I again spoke to multiple representatives not getting a definitive timeline for access to funds. The last answer given was that checks were actually mailed on XX/XX/XXXX and I should give XXXX business days from that date, I requested at this time that another set of checks be mailed. Spoke with a representative on XX/XX/XXXX when checks have not arrived was told that they have no process for tracking the mailing of these checks, I asked what the process was to cancel checks if they did not arrive, no answer was given. Spoke with representative on XX/XX/XXXX, this time I was told that the checks were mailed on XX/XX/XXXX and then changed saying that they were actually mailed on XX/XX/XXXX. We signed a contract agreeing that these funds would be accessible for a home renovation. We have never missed or been late on a payment but have been forced to deplete savings and max out credit cards in order to cover invoices for work that has already been completed because the HELOC funds have become unavailable.
Consumer complaint received 2024-07-25
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. (PA)

I submitted a dispute to Experian in regards to incomplete and inaccurate information reporting on accounts on my consumer report. I requested Experian Fix the errors or delete the entire accounts. Experian conducted an " investigation '', but there are still errors on these accounts. I have attached my initial dispute, Experian 's response showing where they did not address the errors. I am formally submitting another dispute with Experian requesting they investigate the accounts with errors. Please see attachments.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

I went to annualcreditreport.com and attempted to get a credit report from Experian. I filled in my information, and instead of my credit report, I got a message saying that Experian is not offering the reports online and I would need to print out a form and mail it to them. 

This is not a transient problem. I have tried this repeatedly over the last year and keep getting this message. I am not having trouble getting credit reports from XXXX or XXXX, but only Experian. The CFPB needs to make sure that Experian is fulfilling their mandate of providing free credit reports on annualcreditreport.com, because they are currently not doing it.
Consumer complaint received 2024-07-24
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. (CA)

This is alarming. I noticed that there's inquiries on my credit report that I don't recognize, I did not authorize this nor given consent to these companies to pull up my credit report. This is making me stressed and anxious.
Consumer complaint received 2018-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2018 I attempted to make changes to my payment methods with XXXX per the instructions of one of their representatives. The payment method I was trying to add was already associated with my wife 's XXXX account. The representative from XXXX advised me to have her delete the card associated with her account and then I could add it to mine. This process caused a " Red Flag '' on both my wife 's XXXX   account and mine. I have been unable to add any payment methods since that date and have spoken to 5 different representatives including supervisors at XXXX  who state that nothing can be done.
Consumer complaint received 2024-07-25
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (GA)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-03
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. (PA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this
Consumer complaint received 2023-02-11
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. (CA)

XXXX XXXX has been contacted through every appropriate channel with respect to them unlawfully activating an account after I advised in writing to not only cancel application and delete my personal info entirely but ach, phone and email were deleted months ago. 

They have been contacted through various agencies months ago long before they ever reported to credit now they are blatantly breaking the law by repeatedly violating cease and desist, reporting inaccurate info, disregarding request for ccpa deletion
Consumer complaint received 2018-11-02
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. (SC)

I filed a dispute with XXXX, Experian, and XXXX credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. XXXX has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Consumer complaint received 2019-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

I received a notice of collection from a company called PennCredit Corporation in which they are stating I have 30 days to pay {$240.00} for an electricity bill from XX/XX/17 in which I have no idea what it is. It lists an address that I have never lived at and I can prove this if needed. The company they are collecting for is by the name of XXXX XXXX, never heard of this place either but the company looks reputable. I looked up reviews on this collection agency and they are notorious for having a bad reputation and have tried to collect on many debts that are fraudulent. Please help me with this issue asap. There is one more thing and that it is not being reported on my credit report.
Consumer complaint received 2023-11-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 


Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Incorrect