davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : XXXX XXXX Compliance and FCRA XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally address concerns regarding the accuracy and compliance of my credit report as it pertains to the XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ). 

I have identified several accounts that contain adverse information which I believe does not comply with the required standards. The highlighted accounts in my report were found to contain inaccuracies that violate the FCRA 's mandate for accurate reporting. 
Specifically, these accounts do not adhere to the XXXX XXXX compliance requirements that ensure the integrity and fairness of credit reporting. In light of these findings, I request that you conduct a thorough investigation into these accounts. If it is determined that they are indeed in violation of the FCRA and XXXX XXXX guidelines, I ask that you delete all adverse information associated with these accounts from my credit report promptly. 

I appreciate your attention to this matter and look forward to your swift response. Please inform me of the outcomes of your investigation within the timeframes stipulated by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Good Morning, For the last 2 years Experian, XXXX, and XXXX has deliberately and constantly attempting to destroy my financial well being. I 've contacted them over and over again to get the matter resolved they would delete then reinsert items thats not mine consistently. On top of that speaking on the phone to the reps they are very rude and judgmental as if I 'm a criminal when in actuality I 'm the victim of Identity Theft. I did more research about credit reports i would be an educated consumer via the FCRA and I also come to realized that even the fraudulent accounts they ( all bureaus ) allowed charge off accounts to report balances and re-ages which is a blatant violation of the FCRA. Please I just want some help to restore my life. Just want the bureaus to be fair to me
Consumer complaint received 2023-08-30
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
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: Experian Information Solutions Inc. (AZ)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number XXXX
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth Finance acct # XXXX, should have been paid by my Insurance XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX My ID via drivers license is attached
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MO)

Contacted Experian after getting a credit report from XXXX XXXX showing my Social Security Number for only their credit reporting agency was completely wrong. This caused a lot of negative reporting items to show up on my credit report and is keeping me from closing my loan. I sent proof of social security and my identification as well as a form from the social security administration. They claimed it would be taken care of immediately. I have been trying to get it resolved since XX/XX/XXXX. My loan is clear to close and still it has not changed with Experian and I am not able to close my loan. this is causing me financial distress. I have called in to Experian and have had my loan officer as well and each time they claim it will be fixed. When I asked them to send me proof its been changed they tell me they will send it and never do. I need this resolved right away!
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MA)

I requested a credit report from Experian dated XXXX ( Report # XXXX ) which incorrectly listed the following Public Records which do not belong to me : ( 1 ) XXXX XXXX XXXX ( Judgement in Favor of XXXX XXXX XXXX ). This is a XXXX judgment which appears to be in the name of my father ( XXXX XXXX XXXX, XXXX ) who lives at XXXX XXXX XXXX, XXXX XXXX, XXXX. I live in XXXX and have no knowledge of ( or obligation to ) this matter. 

( 2 ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). This too is a matter related to my father ( XXXX XXXX XXXX, XXXX ) who lives at XXXX XXXX XXXX, XXXX XXXX, XXXX. I live in XXXX and have no knowledge of ( or obligation to ) this matter. Additionally, This is surely under a different SS #.
Consumer complaint received 2016-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

We are more than a month ahead on our mortgage payments. Ditech failed to properly apply our payments and charged us late payment fees. After speaking with a representative, Ditech acknowledged their error and promised to fix it. Today we have received collections notices from ditech. My high credit rating is valuable and should not be abused by a lender that fails to perform basic administrative functions correctly.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

On XXXX/XXXX/15 a hard credit inquiry was reported by Experian. The company reported was XXXX, no other identifying information on the credit report. I have been a victim of identity theft since XXXX 2015. I have never applied to XXXX for credit or any other reason. Since this hard inquiry affects my credit report I need to have it removed from my credit reports. I have fraud alerts in place at present time, however, I am still getting hard inquiries. How do I resolve this whole situation?
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (FL)

PNC banking institution used questionable tactics over customer service telephone services in order to mislead me into believing that a fee would be removed/waived. They never provided preventive resolutions on the issue until I filed an internal complaint and was futher escalated.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

my mortgage went into mediation ( foeclosure ) through the court and was deemed to give a loan modification. The bank, Ditech, still has not given me one. It was due XXXX XXXX. that was pushed to XXXX XXXX, and here is, XXXX XXXX, still no loan modification. Ditech still blows up my phone, but what, wont contact my lawyer? I do n't respond to these phone calls. Ditech also tried bypassing my lawyer by sending me a false loan modification without my lawyer viewing it first. Plus back escrow $ $ are still incorrect.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I checked my credit and found out there is a medical bill from XXXX Hospital in the amount of {$2200.00} that is not mine and I wanted removed from my credit. XXXX Hospital is the state of Maine I live in California never traveled to Maine.
Consumer complaint received 2024-10-29
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)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2015-11-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

CAN NOT GET A COPY OR INTO REPORT ONLINE, WHILE I HAVE BEEN AWAY ATXXXX XXXX XXXX XXXX I THINK MY PARENTS ARE USING MY SOCIAL SECURITY NUMBER, INCLUDING A ELECTRIC BILL THAT I JUST GOT
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

Ditech took over my mortgage, and last month along with my house payment I also had a bill for an escrow shortage. I mailed a separate check for the escrow shortage, with escrow shortage written on the bottom, per their nasty customer service persons instructions. They applied it to my principal and REFUSE to allocate it where it belongs and send me a new bill for my house payment with the correct adjusted amount. I 'm tired of writing, calling and complaining. This just is n't right.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IA)

I recently applied for a loan through my local credit union. After not hearing anything for a week, I was notified by the credit union that I had been flagged as fraud due to a report given them by Experian. The information Experian kept on file was nearly 10 years out of date. I have changed address and my name has changed due to citenzenship and marriage. When I contacted Experian to resolve this issue the representative gave me a fax number and told me to send all pertinent information to that number. The fax number was for a company that may be called Experian Consumer Relation Group, XXXX, XXXX, or Experian XXXX XXXX. The correspondence uses all XXXX names ambiguously and it is unclear which one is the one which I contacted. They sent a letter ( enclosed ) stating that they are unable to make any changes and directed me back the phone number for Experian. They have stuck me in a hand off cycle and no resolution, or attempt thereof, has been made.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

MY LOAN WAS TRANSFERRED TO GREEN TREE IN XXXX XXXX FROM XXXX. XXXX XXXX I received a paper from them showing these fee 's that they added on and when I called them they could not explain it. I know I was n't behind on my escrow and my taxes went down as well. That 's the month when it started. I told them I was waiting to hear about my modification from XXXX and they said that I have to apply for a new XXXX with them. So I did and they denied me. I tried again and once again they denied me and said even though my house is worth XXXX the appraised amount they the house is worth is XXXX. 
When I applied for the modification again for the second time. they denied me. in XXXX XXXX. So I wrote a letter to appeal it and I did n't get anything back from them this time. So I called in XXXX and ask them what should I do next. First they said that they did n't get my appeal. And then they put me on hold and said OH YEAH WE FOUND IT. And they will be sending me out the paper work so I can reapply for the modification. While I 'm reapplying for that I get a letter in the mail from downtown. Saying they filed a foreclosure on my house. Which I did n't understand if we appealed it last year in XXXX. and they must have lost my paperwork. So between XXXX starting this an sending it over to green tree. Which Green tree is not helping not one bit.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (NY)

I am writing to formally dispute the collection account associated with my name, account number [ insert account number ], which is currently reported on my credit report. I would like to express my concerns regarding this matter, as it has caused me significant stress and XXXX. 

First and foremost, I want to state that I have never signed any documents related to this collection or authorized any transaction that would lead to such a debt. Furthermore, I have not received any notice of collection or communication from your agency regarding this account prior to it appearing on my credit report. The absence of any notification has left me bewildered and concerned about the validity of this debt. 

The presence of this collection account is negatively impacting my credit report, which is crucial for my financial well-being. This situation has not only caused emotional distress but also has the potential to hinder my ability to secure loans, obtain housing, or manage other essential financial responsibilities. 

I respectfully request a thorough investigation into this matter and a validation of the debt in question. I believe that resolving this issue promptly is in the best interest of both parties involved. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXXXXXX
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$1800.00} Status Collection account. 


This account is listed as 4 separate collections on my Equifax, XXXX, and XXXX credit files. I have reached out to the credit bureaus on multiple occasions to fix this inaccuracy to no avail. This is a SINGLE account in collection not 4. This debt collector - XXXX XXXX XXXX- is reporting the single account as 4 separate accounts. The credit bureaus need to properly reflect my credit accounts and remove the 3 duplicate accounts.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I requested a dispute the debt listed on my credit report under the account XXXX XXXX as provided by XXXX. The request served as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c.

I requested the following documentation and information : Full Payment History : I request a detailed record of the payment history associated with this account, including all payments made, amounts, and dates.

Original Contract Agreement : Please provide a copy of the original contract agreement bearing my signature that demonstrates my agreement to this debt with the creditor. 

Insurance Claim : Indicate whether there is any insurance claim associated with this debt. If there is, please provide the details and documentation supporting the claim.

Chain of Title : Provide documentation that establishes the chain of title for this debt, demonstrating that the agencys had legal right to collect on this debt.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX