davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (TN)

I wish I could select more than one option. because this company has done so much! Alright so back in XXXX I started receiving calls that I owed money to a XXXX XXXX XXXX XXXX XXXX I ended up paying this one company as they absolutely scared me. they told me they were going to garnish wages, take my car, take me to court etc. I paid the debt and for a while the calls went away. Then about a year later I started receiving them again. This time from a different company. Same scare tactics. I finally called the school I attended because they kept saying XXXX XXXX and I attended XXXX XXXX, so I knew something was off. I did owe the college money, but the amounts were different, and a lot more than I knew I owed with each company. XXXX stated that this was definitely a scam as the amount I owed was way less and they ended up just waiving it as I had already been scammed once before. I reported this company and the calls stopped. Now I am getting the calls again and it is from ANOTHER company. They have called me back-to-back multiple times a week for over a year. They have called my husband and an old roommate. This company have given out the last 4 of my social to these individuals which is a huge breach of privacy. My husband does not know my social.  They have also threatened to take me to court, garnish wages, & repossess a vehicle I no longer own. The same scare tactic as the last 3 companies. I have no problem paying if I could get a legitimate bill, but I have never received one nor is this reporting to my credit to show legitimacy. The calls are coming from XXXX. They leave voicemails every time and the call back number is XXXX. Every person that calls is different, but they are calling from a WAKEFIELD & ASSOCIATES. The calls started XXXX.
i have gotten calls:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
every date they have also called my husband and old roommate. I am ready to take legal action as I want it to stop but I don't know where to begin. I'm exhausted and I'm tired of feeling scared. At this point it is harassment as I have asked to have a bill sent and never receive. they have cussed me, threatened me, you name it. Please help make this harassment stop.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (NY)

I applied for a Frontier Airlines XXXX on XX/XX/23. When the card arrived in the mail there was no mention of the XXXX bonus miles as promised on the offer. I called Barclays Bank/Frontier at that time and they refused to honor the promo voucher I received from the stewardess inflight. At that time I told them to cancel the card, as the card was never activated. 
On or about XX/XX/23 a {$20000.00} credit appeared on my existing XXXX XXXX account from Frontier. Immediately I called Barclays Bank to report this unauthorized fraudulent transaction. The fraud team verified my identity and assured me this would be removed and my account was officially closed and that I would not be responsible for any finance charges related to their error. 
After calling and speaking to agents over a dozen times during the last 2-3 weeks regarding this careless error, they want me to open a new account and deposit the {$20000.00} in a new Frontier account. 
I have exhausted all resources on my own and I need professional help and advice. 
We have a problem communicating with them.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-08-30
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc. (AZ)

The branch card system doesn't work when you do a transfer it doesn't go thru. There is no front facing real bank website. I consider what they have plaid to be a complete fraud warning because of the data you have to put in. Please review this before someone is scammed. Just feels like they have the money and there are to many hurdles to jump thru, Cell phones are not secure and are how you are forced to use the card.
Consumer complaint received 2023-06-26
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. (TX)

I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house for my family, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with these accounts, addresses, or names. I request an immediate investigation into this matter and the removal of all false entries from my credit report. The impact on my creditworthiness is severe, and I need this matter resolved promptly. 

Please provide me with the necessary steps and documentation required to support your investigation. I am willing to cooperate fully and provide any additional information or evidence as needed. 

Kindly confirm in writing once the fraudulent information has been successfully removed from my credit report. Additionally, I request a revised copy of my credit report to ensure complete resolution of this issue. 

Thank you for your urgent attention to this matter. I trust in your ability to rectify this situation promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Real Time Group, Inc. (CA)

I had a predatory loan with XXXX XXXX that ultimately resulted in my home foreclosing in XX/XX/XXXX. at some point they sold off the second loan to XXXX XXXX XXXXXXXX. It was my understanding my loans would be paid with money from the foreclosure. Since I had not heard anything since and nothing ever went onto my credit report I assumed this to be the case. Suddenly in XX/XX/XXXX I received a 1099C for the second mortgage. I have had the same phone number this entire time and was at the same address for over 7 years and no collection calls or letters came to me. The company listed is Real time Solutions and they claim they now own the debt and claim they were able to write it off because there was a balloon payment due in XXXX which is not the case and means someone altered the loan documents without my permission. Regardless it is unethical to never contact me or bill me or gave me an option to pay and then reported it to the IRS via a 1099C which requires me to report it as income which will cost me a lot of money. I asked real time solutions to fix this and retract the 1099C and they ignored me.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

XX/XX/XXXX is the date on the letter I got from LVNV Funding LLC. Asking me to pay the collection of {$1200.00} the account was listed under XXXX  XXXX bank. Upon originally receiving this letter which was actually mailed to my moms house not mine. I thought it was someone trying to scam me to get me to send them money. I wake up this morning XX/XX/21 to a hit on my credit report and immediately call XXXX, and credit one to open a dispute. XXXX then advised me to report it here where Ill get some sort of document to upload to them so they can proceed with the dispute. I have never been late on any payments my credit has always been great. This my 2nd time dealing with identity theft luckily the 1st time I got to it before any charges accumulated I believe last time was with XXXX  XXXX bank as well. Please someone help.
Consumer complaint received 2024-04-26
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. (MA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2018-04-23
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. (LA)

On XX/XX/18 @ XXXX XXXX I called Experian to see why they didn't delete XXXX and XXXX . I spoke with XXXX @ Experian and I was explaining to him that I don't see why they did not dispute XXXX and XXXX because I do not know anything about these accounts. XXXX was helping me to dispute these accounts because XXXX did not have any problems when I sent them affidavit they deleted it right off my report. Now, XXXX @ Experian transfer me to another person to get this resolve well I stayed on hold for about 30 mins before someone pick up. When I started to explain to him then he hurry up and transfer me and did not hear me out and I stayed on hold from XXXX until XXXX and I think they were closed that time. This was very unprofessional. I know these is not my account I did not open these accounts and I also sent the same affidavit to Experian that I sent XXXX and XXXX. In my letter I ask yall to send me proof and a copy of bearing my signature and it wasn't done. What you sent me was a copy of my report stated that these account was verified. I just want these accounts off my report because they do not belong to me.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-09-11
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2018-04-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of David A. Bader, LLC (OH)

Collection agency claims that a judgement was ordered XX/XX/XXXX to pay. I received notice from my employer in XX/XX/XXXX that my paycheck was to be garnished. ELEVEN YEARS AFTER THE JUDGEMENT
Consumer complaint received 2024-04-26
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-26
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. (VA)

PLEASE BLOCK AND REMOVED Your immediate attention is needed to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress. I did not approve or initiate these accounts, and it is unjust for me to be held accountable for them. I implore you to address this matter promptly.
Consumer complaint received 2024-04-26
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. (MS)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

Marcus by Goldman Saches is illegally withholding my own money. Since I opened Marcus account XXXX, I have transferred over {$13000.00} into it from my XXXX account. On XX/XX/XXXX I tried to transfer {$8000.00} out from my Marcus account to the XXXX account and Marcus rejected my transaction. I called Marcus on XX/XX/XXXX to ask the reason. In the phone, their agent first verified my identify by checking my full name, DOB, SSN last XXXX and secret word and I all answered them correctly. Then the call got transferred to an account XXXX. He told me the account was locked because using their own internal verification procedure. They keep saying that they can not authenticate me because of the phone number. I only have XXXX phone number and I used that to create the Marcus account. This is the only phone number in the Marcus system, but they say that they can not authenticate me with that phone number. It's completely unreasonable, because I give all of my information to them. I called Marcus XXXX times, they always give the same answer. All of the Marcus representatives are unprofessional and unwilling to solve my problem. What Marcus is doing is deliberately withholding my money, which is completely ILLEGAL.
Consumer complaint received 2023-05-03
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. (TN)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

I am writing to bring to your attention a concerning matter regarding my credit file. I have noticed a collection entry from your agency, which has caught my attention as I was not previously informed about this alleged debt collection. Furthermore, I have serious doubts about the accuracy and validity of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Thus, I kindly request that you provide me with the required validation information and take appropriate actions to properly address this issue.
Consumer complaint received 2024-06-14
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: TOYOTA MOTOR CREDIT CORPORATION (MD)

The presence of a derogatory rating on my account is a significant source of concern for me. I am deeply troubled about its potential adverse impact on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe XXXX XXXX and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.