davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (TN)

I received a letter from Wakefield and Associates, LLC on XX/XX/XXXX stating that I owed {$1100.00}. I contacted my insurance company ( XXXX ) who sent me the EOB ( Explanation of Benefits ) which showed that the original charge was {$1600.00} and the XXXX Member Discount was {$1100.00}. XXXX paid {$420.00} on XXXX which was the difference. I, as the member, did not owe anything else toward this bill. I informed Wakefield of this via phone, email, and letter via postal mail on XX/XX/XXXX and again on XX/XX/XXXX. I filed a dispute with XXXX to have the collection removed but they did not and continue to report this bill fraudulently which is negatively affecting my credit score. This is the email I recently sent to the company : My name is XXXX XXXX. My DOB : XX/XX/XXXX SS # : XXXX I am writing this email to demand that you have this account ( Wakefield XXXX ( # XXXX ) removed from my credit report immediately. I had contact with one of your representatives ( XXXX ) on XX/XX/XXXX and also sent an email with proof of payment from the insurance company on that date as well. I sent the verified information to the email address she gave me ( XXXX ) showing that my insurance company paid this bill on XXXX. I am including the EOB with this correspondence. The amount that you are trying to collect from me is the amount that is contractually discounted between the doctor and the insurance company and XXXX XXXX XXXX XXXX paid the remaining balance which shows that I do not owe anything on this bill. Your reporting of collections of the bill is not legal and is hurting my creditworthiness and reputation. I have written letters to XXXX and the other credit bureaus detailing this information. Again, I am including proof that I do not owe this bill and I request that you please have it removed immediately ( within 30 days ) and update the credit bureaus accordingly. 
Due to the fact that this is my 3rd communication about this matter, I am also notifying the Tennessee Collection Service Board of the Department of Commerce and Insurance and the Division of Consumer Affairs at the Attorney Generals Office at XXXX : XXXX. of your unwillingness to comply with the state law from which you are licensed. I am prepared to and will sue your company for the maximum civil, criminal, and punitive damages available by law. 
Please inform me via email and postal mail when you have deleted this account, updated the credit bureaus, and have rectified this situation that is causing me great harm in this unstable economy. 
Thank you. 
XXXX XXXX XXXX XXXX I also included a copy of the EOB from XXXX showing that the bill was paid and I don't owe anything along with the bill that came from Wakefield with their numerous account numbers on it.
Consumer complaint received 2024-03-29
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 have been trying to get my password changed with Experian since mid 2023. My old pin, which had not been used in years did not work when I tried to log in to the Experian sight. I sent a letter, they requested more info, copy of drivers license, copy of social security card, current address, phone number, etc. I sent all this to them. It almost seems these people can't read. After that letter they wanted more info which I sent, they then sent me a copy of my credit report which I did not even ask for. The last letter I sent was in big bold font, with a copy of previous letters requesting a new password. Thinking this last letter was very short and simple and easy to understand. This time they sent me a letter accusing me of not being me. " We received a recent request regarding your credit information that does not appear to have been sent directly by you. As a precautionary measure, we have not taken any action on your alleged request ''. 
I have had it with these people!! Please help me.
Consumer complaint received 2024-02-22
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (TN)

Hired a debt consolidation law firm in XX/XX/XXXX. Enrolled 5 debts. First 4 were settled by XX/XX/XXXX. Last creditor was never contacted to negotiate settlement until XX/XX/XXXX. Law firm agreed to a settlement and then missed the payment on XX/XX/XXXX. Law firm has never contacted me. I started contacting them inquiring about the missed payment. Everytime I contacted them I got a different story. They then sent an email stating that a new settlement had to be negotiated and that I need to pay an additional {$2700.00}. I fired the law firm and negotiated my own settlement with the creditor. Law office never contacted manager of escrow account to notify them that I had terminated my program so that the funds of my escrow account could be returned to me. I contacted XXXX XXXX myself and notified them that I had fired XXXX XXXX and that my money needed to be returned to me immediately.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-09-25
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: EQUIFAX, INC. (CA)

Identity theft request of a inquiry to be removed. 
Investigations completed. all four of the Equifax results show inquiry should be removed. 

XX/XX/2022 XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

I did a wells Fargo Credit card balance transfer online to pay off my XXXX XXXX credit card on XX/XX/2023. I kept calling Wells Fargo and telling them something is wrong it's been weeks and my card has not been paid off. And in the email that showed on XX/XX/XXXX the money went to a XXXX card but the last four was the same as mine on the RAM card but they said just give it time it will pay it off. When If Finally Cleared but was back dated to XX/XX/XXXX and that's not the date it actually showed up on the credit card. It did not pay off mXXXX XXXX XXXXard. I called Wells Fargo on or around XX/XX/XXXX about a week after it actually cleared to see if the XXXX  card would get paid off but it did not. Wells Fargo opened an investigation. Wells Fargo informed me that the money was sent to another persons account. A XXXX card with the same number as mine except one number difference. And that I needed to speak to XXXX XXXX the company over the XXXX cards. I went back and forth with XXXX XXXX for at least a month and a manger named XXXX said their is nothing they could do because the money wasn't transferred to a XXXX card. And that I needed to speak to Wells Fargo. I went to Wells Fargo on XXXX in XXXX XXXX Tx and was told that XXXX XXXX has to help me get the XXXX dollars that now is charged on Wells Fargo account. The fraud department gave me a trace number to track the money the Wells Fargo rep told me only they can do it. XXXX XXXX refuses to help me and I have no Idea why either one of the companies can not communicate with each other I am not in the banking industry and I can not understand what is happening. I am 100 % disable vet and I have no way of making any other money to pay these things off when I don't receive this money into my account.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Subject : Dispute of Returned Mail from Collection Agency on Credit Report XX/XX/2023 Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am seeking your assistance and intervention in resolving this matter as it is negatively impacting my creditworthiness. 
I recently reviewed my credit report, obtained from XXXX, XXXX XXXX Trans Union, and discovered that a collection account from XXXX XXXX XXXX. The collection account is related to an alleged debt that I have no recollection of owing. I sent certified letters to the abovementioned company collection agency, but my correspondence was returned as undeliverable. 
I would like to highlight that I have always maintained a responsible approach towards my financial obligations, and I am diligent in updating my contact information with any relevant parties. It is perplexing to me that the said collection agency had not sent any correspondence to my address. 
Considering this situation, I kindly request the following actions from the Consumer Financial Protection Bureau : XXXX XXXX XXXX Trans Union To remove the erroneous information that they deemed to be legit. 
The credit bureaus did NOT Investigate the validity of the alleged debt claimed by XXXX XXXX XXXX when I sent them a letter to VALIDATE the claim. 
Assist in rectifying the negative impact on my credit report caused by this inaccurate information. 
Ensure that proper verification procedures are followed by the collection agency to validate any debts before reporting them to credit bureaus and for the credit bureaus to verify and validate prior to ruining peoples credit. 
I have attached copies of my credit report, highlighting the specific collection account in question, along with copies of the returned receipts and correspondence relevant to this matter. 
I understand the importance of maintaining accurate credit reporting, and I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to help resolve this issue promptly. I kindly request that you provide me with updates on the progress of this case, including any actions taken or outcomes reached. 
Thank you for your attention to this matter. I appreciate your dedication to consumer protection, and I look forward to a favorable resolution. Please do not hesitate to reach me at XXXX or XXXX if you require any further information. 

Yours sincerely,
Consumer complaint received 2023-02-17
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. (NY)

In accordance with the fair credit reporting act. The account list below violated my federally protected consumer privacy and confidentiality under 15 USC1681. account XXXX This company violated my constitutional right. This account is paid in full. I attempted to dispute this with no results
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681i, furnishers of information are required to : XXXX. Provide accurate and complete information : Furnishers must provide accurate and complete information to consumer reporting agencies. They must ensure that the information they provide is correct and up-to-date. 
XXXX. Investigate and correct disputed information : If a consumer disputes the accuracy of the information provided by a furnisher, the furnisher is required to conduct a reasonable investigation. If the investigation concludes that the information is inaccurate or incomplete, the furnisher must correct or delete the information. 
XXXX. Promptly update and report changes : Furnishers are obligated to promptly update and report any changes to the information they provide to consumer reporting agencies. This includes updating information regarding the status of accounts, payment history, and any other relevant data. 
XXXX. Not knowingly report inaccurate information : Furnishers are prohibited from knowingly providing inaccurate information to consumer reporting agencies. They must take reasonable measures to ensure the accuracy and integrity of the information they report.
Consumer complaint received 2024-03-29
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. (NC)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION and ACCOUNTS REPORTING NOT CORRECT : XXXX : 1. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

EXPERIAN : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I have submitted this letter below to Carrington Mortgage as well as XXXX, XXXX, XXXX. Carrington responds with everything is correct with being 30 days late. I talked to a representative at Carrington, explaining the situation. Which they were closed on the last day I could pay within 30 days because it was after XXXX and I needed a 4 digit pin code to pay with XXXX XXXX. I never received an email from them only a letter dated XX/XX/. They said they cant change it and they legally have to report me. I think its unfair that they have the last say and couldnt understand where I was coming from in this situation. I even send them a credit report of how I have never missed or been late for an appointment. 

Reference # XXXX To whom it may concern ; I am writing in regards to a late payment that is reflected on my credit. This late payment was a result of a cascade of events unbeknownst to me. The original payment was made through an auto payment that is scheduled biweekly. On XX/XX/XXXX  the payment was credited back to my account. I received a letter from Carrington on XX/XX/XXXX  and did not receive the letter until XX/XX/XXXX  due to being out of town due to a work obligation. I attempted to schedule a payment immediately but was unable to due to this service being unavailable. I contacted Carrington on the next business day ( XXXX XXXX XXXX  ) to schedule a payment. During this phone call I was directed to send payment via XXXX XXXX, money order or XXXX XXXX. 

I would like a full review of my credit report and reconsideration of this late payment. My credit history is notable for a long standing 18 year account with no missed payments, among other notable histories. This late payment is very harmful to my credit report and would ask if there would be consideration for a one time removal of this late payment.

I appreciate your consideration.
Consumer complaint received 2023-08-06
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. (CO)

CFPB Writeup : 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-22
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. (MI)

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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2024-03-29
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)

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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.