davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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. (IL)

XXXX XXXX XXXX XXXX ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-15
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. (FL)

Recently I looked at copy at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my undestanding that you Will investigate these item for me tu ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Shellpoint Partners, LLC (FL)

In XX/XX/year>, I spoke with multiple Shellpoint Mortgage Servicing representatives about a repayment agreement for my second mortgage. Each representative provided different information regarding the initial payment amount and monthly payments. Despite my willingness to pay, I requested written confirmation of the agreement before proceeding, but I have not received any documentation. The most recent representative, XXXX XXXX, informed me that my account is in foreclosure, which contradicts previous discussions about a loan modification.
Consumer complaint received 2024-09-14
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX XX/XX/year> and XX/XX/year> Payments never late! 
They did not make adjustments I've reported to the credit bureau and they did not update the account XXXX XXXX XXXX  {$6300.00} Account not mines! This was uploaded to XXXX multiple times it clearly states from a judge that I am not a named party
Consumer complaint received 2024-09-14
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - BALANCE {$110.00} - Date opened XX/XX/XXXX XXXX XXXXXXXX # XXXX - BALANCE {$690.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$18.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - BALANCE {$14000.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$9300.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$5200.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$460.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$570.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$990.00} - Date opened XX/XX/XXXX Unauthorized inquiries 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I received an email from a company called Midland Credit Management in which I have never signed any agreement with this company about any type of debt. I would like for them to cease and desist any forms of communication and remove my name and or account information from their system being that this is fraudulent. My identity was stolen by an ex-wife after a divorce XXXX  years ago in which I had to file a police report.
Consumer complaint received 2024-09-14
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. (GA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15usc1681. 

Account name # XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-09-15
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  XXXX acct # XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-15
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. (FL)

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 XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX. XXXX  XXXX XXXX XXXX ACCOUNT # XXXX. XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-15
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)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX " Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I may presume no proof of the alleged debt, not therefore any such debt, in face exists. ''
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (VA)

In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights to policy. 

15 U.S.C 1681 604 A States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-15
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)

GA Code 11-9-210 ( 2023 ) ( UCC Article 9 9-210 ) As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I have already demanded proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. 

CXXXX XXXX  HAS IGNORED all opportunities to AUTHENTICATE THE DEBT CLAIM ... .no AUTHENTICATION has been provided here in our correspondences, the CFPB can see no such evidence has been provided by XXXX XXXX Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

A bank or credit agency can be liable for identity theft if it negligently releases personal information that helps enable identity theft. The use of my non public information due to false reporting sharing with non affiliated 3rd parties. 

Failure to respond within 4 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

This Notice is an attempt to correct your records, to authenticate your records and accounting and any information received from you will be collected as evidence should any further action be necessary. 

The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2024-07-15
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)

I have included below the Hard Inquiries I do not recognize done by me. 

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
Consumer complaint received 2024-09-15
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. (NC)

In 2009, my identity was stolen, and it has been an ongoing issue ever since. Over the years, several fraudulent accounts have been opened in my name, including credit cards, utility accounts, and even an apartment lease. These actions have severely impacted my financial standing and credit score, causing immense stress and difficulty in managing my personal finances. Additionally, a falsified police report was filed in my name, falsely accusing me in a XXXX  XXXX issue. This false report has damaged my reputation and has been extremely challenging to clear. Despite multiple attempts to resolve these matters with creditors, utility companies, and law enforcement, the issue persists. I continue to face roadblocks in proving my innocence and recovering from the impact of these fraudulent activities. I seek immediate assistance to address and resolve this situation.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

XXXX XXXX, XXXX, XX/XX/year>, I am writing to request and investigation of the following accounts I have NEVER opened or use the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, an bank account opened at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Customer Service Department Wells Fargo Bank XXXX XXXX Subject : Complaint Regarding Account Closure Without Notification and Request for Compensation Dear Wells Fargo Customer Service, My name is XXXX XXXX XXXX, representative XXXX XXXX XXXX XXXX XXXX  ( Document Number : XXXX XXXX XXXX : XXXX, ITIN : XXXX ). I am writing to express my dissatisfaction with the unnotified closure of two business accounts with your institution and to formally request the return of the withheld funds, as well as compensation for the financial damage this has caused to my business. 

The accounts in question are as follows : Checking Account : Number XXXX, with a balance of {$4900.00} at the time of closure. 
Savings Account : Balance of {$690.00}. 

I fully understand that Wells Fargo has the right to close accounts at its discretion. However, I was not informed of this action in any wayI did not receive any formal letter, notification, or communication advising me of the account closures. Furthermore, despite the passage of over a year, I have yet to receive a check for the remaining funds, which has created significant challenges in managing my business finances. 

The abrupt and unnotified closure of these accounts has had severe financial repercussions, driving XXXX XXXX XXXX XXXX toward insolvency due to my inability to meet ongoing obligations. This situation has directly harmed both my business and my personal finances.

Given these circumstances, I am seeking : 1. The prompt return of the funds held in both accounts.

2. Compensation for the financial damages and economic loss caused by the lack of communication and delay in the return of my funds. 

I trust that Wells Fargo will handle this matter with the urgency and care it deserves. Please feel free to contact me at your earliest convenience should you need additional information. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC (VA)

On XX/XX/XXXX, I requested that Opp loans stop harassing me with emails. I paid my loan in full and receive daily emails to contact them to stop future interest on my account. They confirmed receipt of my request, that the loan was paid in full and that I was removed from all future marketing. I sent a second request and third request on XX/XX/XXXX. On the XXXX, they replied back that it was a computer error and assured it would be fixed. I have received daily emails for the past 30 days with an attempt to collect a debt that is not owed. I wonder if this is a marketing ploy to try to get me into another loan. The interest rates are over 100 %. The company is engaging in predatory lending and collection practices.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX Complaint Against : XXXX Experian Subject : Inconsistent and Incorrect Reporting of US DEPT ED Account # XXXX Details of the Complaint : I am filing a formal complaint regarding the incorrect and inconsistent reporting of my US DEPT ED account ( # XXXX ) by XXXX and Experian. 

1. Inconsistent Reporting : The account is being reported differently across credit bureaus. XXXX is reporting one version of the account status, while Experian is reporting it inaccurately as a collection account. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in reporting consumer credit information. 
2. Inaccurate Reporting by Experian : Experian is reporting the account as a collection, which is factually incorrect. Under FCRA, 15 U.S.C. 1681i, I am entitled to dispute incorrect information and have it corrected if proven inaccurate. I am requesting that Experian immediately update their records to reflect the accurate status of my US DEPT ED account.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2022-11-28
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. (MI)

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Consumer complaint received 2024-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mnet Financial Inc (FL)

Suspecting I had been overbilled by XXXX XXXX, I paid in person for my copay at my appointment on XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX FL whos billing is managed by XXXX. I provided copies of the receipt of {$50.00} i paid in the office on this date which they still called for over and over to continue to get more money. I gave this information but continued to get billed from XX/XX/XXXX until XX/XX/XXXX. Then they sent this to collections and on XX/XX/XXXX i got a call from mnet financial who said they received the account and demanded payment. I provided proof this was paid via email and confirmed with the operator XXXX the email I sent with receipt was confirmed. Despite receiving this, MNET financial continued to contact me while i was working and on XX/XX/XXXX I answered their call and spoke to an operator who even confirmed they received the email but the account was not closed. They're refusing to close the account despite that I paid and I'm concerned they're attempting to scam me out of more money and likely scammed other consumers also.