davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to address the ongoing issue regarding the erroneous late payment entries on my consumer report for the months of XXXX and XX/XX/year> with XXXX XXXX account ( XXXX ). Despite previous communication and demands for immediate action with XXXX, I am disappointed to see that the issue remains unresolved. 

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a, I have the right to expect fair and accurate reporting of my credit information. 
Additionally, 15 U.S. Code 1681s-2 imposes responsibilities on furnishers of information to consumer reporting agencies, emphasizing the duty to provide accurate information. 

Additionally, I have observed discrepancies in the " last reported '' and " date of last payment '' sections across different credit bureaus. Such discrepancies violate my FCRA rights and further highlight the inaccuracies in the reporting of my account information.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (MA)

Mortgage account is current and all payments have been made within 30 days. 
Account status as ( incorrectly ) reported to all 3 credit agencies is " delinquent '' and there are 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) which are incorrectly reported as over 30 days late. 
Payments on this account have never been more than 30 days late ( as demonstrated by attachment to this complaint. ) Status of account is reported incorrectly and previous months ' status is also reported incorrectly. I have filed a notice of error with my mortgage company and have initiated a credit dispute with all 3 credit agencies.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Caliber Home Loans, Inc. (DE)

on XX/XX/2023 I sent a sertified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Caliber Home Loans, XXXX, asking to set-off a late fee on my properly sent morgage payments, in the same latter I asked not to collect money on erscrow account for insurance and taxes since current ammount paid home equity exeeds 25 % and Caliber Home loans Co is constantly late on my tax payment. 
Up today we have no response from Caliber Home loans and taxes still pass due
Consumer complaint received 2024-03-27
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)

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXX COMPANY : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( XXXX ) XXXX Experian XXXX XXXX XXXX, XXXX XXXX TX XXXX. 

To Whom It May Concern, I am writing to dispute a debt claim associated with Account Number XXXX. According to the information provided to me, this account was opened on XX/XX/XXXX, and is listed as a collection account with an original balance of {$1400.00}, which remains past due as of XX/XX/XXXX. 
I wish to bring to your immediate attention that this account is fraudulent and does not belong to me. This is not the first time I have had to address this issue. Your company has previously confirmed the removal of this account from my records several times, yet it continues to resurface, causing me significant distress and damage to my financial standing. 
This situation has severely impacted my life, affecting my ability to secure credit, purchase a home, and manage my financial affairs without undue stress. It is imperative that this matter be resolved once and for all. 
Given the repeated nature of this error and its significant impact on my life, I demand the following actions be taken : XXXX. Immediate removal of this fraudulent account from my credit report and confirmation of the same sent to me in writing. 
XXXX. A thorough investigation into why this account continues to reappear on my credit report despite prior confirmations of its removal. 
XXXX. Proof of any supposed linkage of this account to my personal information, which I assert you will not find because this debt does not belong to me. 
XXXX. Assurance that this issue will not recur and that measures are in place to prevent similar errors in the future. 

Please be reminded that under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute and demand validation of this debt, which in this case, is entirely fraudulent and wrongly attributed to me. I expect a response within 30 days of your receipt of this letter, providing the requested confirmations and assurances. 
Failure to comply with these demands will leave me no choice but to seek legal advice and take further action to protect my rights and recover any damages caused by this repeated error. 
Thank you for your prompt attention to this extremely distressing matter. I look forward to your written response confirming the final resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Systems has placed a collection on my credit report without following the laws such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX They have a collection for XXXX XXXX. I turned in this equipment. They show it as Date last activity XX/XX/XXXX but opening in XXXX of XXXX and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion XXXX XXXX XXXX XXXXXXXX ) XXXX I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.
Consumer complaint received 2024-03-27
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (KY)

Wakefield and associates reports on my credit that I owe them money from XXXX XXXXXXXX XXXX. The say that in 2020 I took an ambulance ride. XXXX XXXX VA XXXX and only use VA XXXX. Ive never taken an ambulance ride. This is fraud!
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Merchants Acceptance Corp (WV)

A sales man came to mine and my wife 's home and gave us a vacuum that he stated was an air purifier and a vacuum cleaner. We insisted we didn't want it several times. He left it with us anyways and took our vacuum and broom and dust pan promising to return the next day to bring the rest of the pieces to the equipment and to see if we wanted it or not, he stated he would take it back if not. He never returned and didn't answer our phone call. Merchants acceptance supplied the loan for this, they closed the account multiple times on mine and my wife ( XXXX XXXX ) credit and reopened it multiple times and kept charging us. They then took us to court to sue us we showed up and they never showed up so the judge dismissed it. They continue to charge us still today.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

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 Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : # XXXX. 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 supposed to modify accounts that aren't reporting correctly. 

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. 

The vehicle was fully paid off in XX/XX/2023 account currently shows as closed on their app
Consumer complaint received 2024-01-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (NV)

I am writing to express my concern regarding the ongoing communication I have been receiving from the company in relation to an alleged debt. I have previously requested proof of a contractual agreement within the allowable time frame, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Unfortunately, I have not received any response to my request for validation of the debt, and this lack of communication is concerning. As a responsible consumer, I followed the appropriate steps by reaching out for proof of the contractual agreement, but the silence from there end has left me in a state of uncertainty. 

In light of the lack of response and to safeguard my rights under the FDCPA, I subsequently sent a Cease and Desist letter requesting that all communications regarding this debt cease immediately. Despite this formal request, I continue to receive mail from the company, asserting that I owe money and attempting to collect the debt. 

I want to bring this matter to your attention in the hope that we can resolve it amicably. I remain committed to addressing any valid debts I may owe, but I need proper documentation and clarification to move forward. The continued receipt of communication despite my Cease and Desist letter is not only a violation of the FDCPA but also an inconvenience. 

I kindly request that you review my case and provide the necessary proof of the contractual agreement or cease any further attempts to collect the alleged debt. Your cooperation in resolving this matter promptly would be greatly appreciated. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-27
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-27
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. (FL)

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 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (IN)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Keystone Credit Services LLC (NJ)

Subject : Formal Notice of Violations and Request for Remediation Dear Keystone Credit Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Keystone Credit Services has handled my credit information. 


It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), NJFCRA Section 56:11-28, and breaches the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 ).

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), NJFCRA Section 56:11-31, and NJFCRA Section 56:11-34. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and NJFCRA. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Moreover, I insist on Keystone Credit Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 


I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 


Done in good faith.
Consumer complaint received 2024-03-27
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. (NJ)

I'm submitting this complaint to inform you that I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw : XXXX XXXX XXXX I've been faithful to this company. I don't know where they get that!!! When I called them they both said I needed to just dispute it with you. You folks need to fix this account. Please don't leave it this way. I need to fix my credit score and it's creating a ton of stress for me! The above account should be reported as positive standing.
Consumer complaint received 2024-01-23
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (VA)

End of 2019 unfortunately I was suffering with XXXX XXXX and XXXX so i was forced to turn in resign job. I had personal loan of credit with wells Fargo less than XXXX remaining to pay which i used for home remodeling. Since i was out of job my boyfriend then offer to make monthly payment. Then i Was offerd 0 % intrest from XXXXXXXX XXXX  to pay remaining XXXX from wells Fargo and other bills i had. Then Covid hit all over the world and my Wells Fargo Bill went up to XXXX XXXX  back by the shopping i never did and the payment of i dont know what ... Time to time wells fargo leaves message saying suspicious activity to all of our account meaning my XXXX children XXXX was under XXXX at the time. I spent enermous hours of my time on the phone with wells Fargo and went to their sites one infront of FBI Building and XXXX XXXX XXXX XXXX XXXX crying asking for help to resolved this situation but no luck. XXXX as well i went to site wearing mask during Covid to find out if the money was sent to wells Fargo. I went through XXXX XXXX XXXX XXXX XXXX XXXX  during Covid but between this XXXX bank i was smashed with XXXX  and worst. over 3 years i was paying to wells Fargo and XXXX with help of my then boyfriend and Daughter. Now both of this XXXX bank dont have answer who got my loan. they blame on each other and the amount i owe them always goes up by ruinining my credit.Please help. I bank with Wells Fargo over 20 years and i felt stupid not by closing my account when i saw a huge sign at XXXX XXXX VA of WELLS FARGO IS A RIP OFF i still bank with them and open both of my underage kids account. Then they always making mistake by giving my daughter money from my account and various many mistakes. They claimed i still owe them XXXX more but XXXX and Wells Fargo both should refund me my all the money they messed up. 
Thank you-
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (SC)

BridgeCrest has inaccurately reported to my credit file ( all XXXX bureaus ) that I am late on my payments. This information is inaccurate and has put an abrupt stop to my home purchasing plan in which I have worked too hard for. I have requested and requested that BridgeCrest report the information correctly. They have NOT taken any steps to correct this information. I have provided the documents necessary and paid the balances in due time to avoid negative reporting. My loan is not late and has never been late! My account balance with BridgeCrest is not correct either. They have charged my account with fraudulent XXXX fees in which my bank will prove they have never attempted payment when enrolled in the XXXX program with BridgeCrest. I have had my ban account for 23 years and it has never changed on my account for BridgeCrest. Their fees are in different amounts every single time. They refuse to remove these fees in the amount of {$81.00}. I have taken the XXXX XXXX and continued to pay so my account would not fall behind, but it doesn't make these charges accurate either.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Im a victim of identity theft, I requested for Experian to investigate the accounts on my credit report that I didnt authorize. The problem is the accounts is still remaining on my credit report after the investigation was completed. Im a victim of Experian credit account neglect and Experian have done nothing to remove those accounts from my credit report after I have been in contact all form of ways with them. All the disputed and investigated accounts need to be removed immediately.