davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Im writing to urgently address the serious damage being done to my credit score due to unauthorized and unverified information on my report. These inaccuracies are completely unjust and are having a devastating impact on my financial life, preventing me from accessing credit and opportunities that I should easily qualify for.
Consumer complaint received 2024-09-12
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. (AZ)

I AM A VICTIM OF IDENTITY THEFT PURSUANT TO SECTION 605B, YOU MUST REMOVE THIS ACCOUNT. THE FRAUDULENT ACCOUNT IS XXXX XXXXXXXX ACCOUNT XXXX.
Consumer complaint received 2024-09-12
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-12
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 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 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

1 ) Wells Fargo bank keep denying my claims of {$30000.00} over 6mo. without any research and consultation with me. Bank stopped sending me paper statements since XXXX and each mo. every time when I go to deposit at the bank tellers and officers all said call customer service. They said my account is online and paper so nothing they can do. I had been treated so badly past years XXXX, XXXX and XXXX. WF said no record of my claims but this is not true. 

2 ) XXXX XXXX  who cashed asked me to tell WF bank to submit complain to XXXX XXXX  by SP branch manager and legal dept at XXXX XXXX. Nothing they can do without WF bank starts to negotiate with them. I requested this many times to XXXX in the past. 

3 ) FBI L.A. branch manager and XXXX XXXX XXXX  managers from 2 branch, XXXX  XXXX XXXX legal dept all told me WF bank should give me credit $ XXXX within 10 days of claim and balance within 40days. Not rejecting customer with 30days clause of deposit agreement. I had never received this agreement. I was told to sign only a machine and never got copy and I didn't see any information attached to when I opened new account.These bank definately will reimburse to my case after they researched.They told me this fraud to be reimbursed by different law and customers are protected since XXXX. 


4 ) I recently received a copy of signature card/sheet and surprised some info is outdated and I will check before I signed it if I was shown. This is very bad practice. 

5 ) WF bank opened new account without my signatures and info at all on XX/XX/XXXX. 
They requested and demanded a mo later with all my personal info. ( Drivers license #, social security full number, my mothers maiden name and address with my account #. ) so as my son 's info. This was shocked. 

6 ) Even I walked in the branch, no one will help me without an appoint except tellers. 
Even I am inside of the office the tellers and manager told me to call for an appt. 

7 ) Knowledge of employees at the branch and claims dept, executive offices all of them are not so knowledgeable and everyone answered different. Very low level at all dept.
Consumer complaint received 2024-09-12
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)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

Nationwide Recovery placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I searched for the original creditor it shows XXXX Texas XXXX is permanently closed. 
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with Nationwide Recovery. 
According to 15 USC 1692J-Nationwide recovery is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. 

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice
Consumer complaint received 2024-09-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (NY)

I am a victim of identity theft.someone used my stolen information to obtain a service with XXXX XXXX XXXX. The amount is sent to collection for the amount of XXXX. I had already frozen my account during that time. I had even contacted XXXX XXXX XXXX about the suspected fraud on my account during that time because I see an inquiry from XXXX XXXX XXXX  on my credit report but they said they dont see it. Please help me and the fraud department is not responding.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (FL)

My card was flagged for " Fraud Protection '' by Synchrony Bank. They forced me to take a picture of my state drivers license front and back and scanned the bar code. Then they forced me into Facial recognition and to record a 5 second video. After submission I received a code that I needed to call back with. After giving it to the agent they then proceeded to verify my charges. They would not restore service to my card unless I complied. They gave me 3 choices. 1 Do this process 2. Agree to a usail process which wpuldntake 10 days or 3 No card usage. I have documented the process qith print screens. They would not tell me why I had to do this just that the " System says I have to ''. I asked a supervisor if AI is being used and she would not confirm or deny. I would like them investigated thoroughly and properly fined as well as criminal charges brought if possible.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several hard inquiries on my credit report from events that I am not familiar : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services (CA)

Mercedes Benz Financial is inaccurately reporting a debt on my credit reports with XXXX, XXXX, and XXXX. While the account is showing as " closed, '' this does not resolve the issue, as the debt has never belonged to me and should be removed altogether.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), I have the right to dispute inaccurate information, and the credit bureaus are required to investigate and correct these errors. Additionally, Section 623 ( 15 U.S. Code 1681s-2 ) mandates that companies reporting information ensure its accuracy. This accounts presence on my reportsclosed or notreflects incorrect data that needs to be fully removed.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MO)

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 U.S.C 1681 FAIR COLLECTIONS AND OUTSOURCI Credit report XXXX credit report. XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than XXXX years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable. They dont have the correct birthdate.
Consumer complaint received 2024-01-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (NM)

My Mortgage Servicer Flagstar Bank gave me a Forebearance plan during XXXX and when I called to resume my payments they said I had to do a Loss Mitigation application I did. In XXXX my first trial plan of {$1500.00} up until XXXX but when I went to make the payment it was closed so I didnt make it until the XXXX because the XXXX  got in the way. I asked the Loss Mitigation Rep if it was going to affect me she said no. Then I made XXXX and XXXX payment in XXXX they sent the payments back and that I was in active Foreclosure I did another Application and I was denied they said I didnt qualify for help. I feel discriminated for my race and because I am a women.The State of New Mexico qualify me for {$30000.00} but they want {$47000.00} they want me to pay it but if I had the money I wouldnt be asking for help. Now they have their lawyers wanting me to file papers and they denied the state to pay the {$30000.00}. I am frustrated and confused and scared. I dont want to lose my home.I just need them to work with me.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Im really frustrated with how my credit score has been hurt by inaccurate and unverified information on my report. Its not right that this incorrect info is dragging down my score and making it hard for me to get things like loans and credit that I should qualify for. Its been affecting my financial situation in a big way, and its unfair that these mistakes havent been fixed.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.