davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (AZ)

It seems impossible to get a FACT ( free ) credit report online from Experian- it fails with a message saying a free report is not available at this time. 

All to conveniently, you can get a report on the website for what appears to be {$1.00}. However, this offer is misleading as the service actually costs $ XXXX/month. It is unnecessarily hard to cancel this service, which can only be done via phone.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-05
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: MIDFIRST BANK (MA)

In accordance with the fair credit Reporting act XXXX Account ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2016-10-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

A representative from Wells Fargo keeps calling my fiance ' claiming I am delinquent on a pay day loan and opened in 2011 and if I do not pay they are garnishing my wages. They have my social security number, date of birth, address, job information and my fiance 's information and phone number. I never opened a payday loan ever in my life. I do not know if this is one of those fake accounts wells fargo created. I wish to be compensated for harassment, ruining my credit and fraudulent use of confidential information.
Consumer complaint received 2016-11-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc. (FL)

Nationwide has wrongly reported my name to the Credit Bureau on behalf of XXXX XXXX XXXX XXXX. Whenever, I called XXXX, they tell me to call Nationwide Collection Agency for details. But when I contact Nationwide, Manager XXXX XXXX stated that XXXX owned my accounts. I strongly believe that they are falsely tried to collect debts that are outdated. Nationwide recently sent charges from XX/XX/2012 and XX/XX/XXXX for {$2000.00} to XXXX. That 's Wrong! I do have Medicare.
Consumer complaint received 2017-02-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NV)

Midland MCM collection Agency illegally put me in collections over a XXXX secured credit card that I had taken care of and I them and MIDLAND and XXXX several times over last few years and at MIDLAND and XXXX refused to even show me proof of debt, or acknowledge me. After many many many attempts of contacting XXXX as well to remove both companies, XXXX finally sent a strong letter to MIDLAND and XXXX, and they removed themselves. I am enclosing two letters here from MIDLAND, one in XX/XX/XXXX where they told me they refused to help me, and one in XX/XX/XXXX where they finally conceded. I have contacted both companies through consumerfinance.gov. This is unresolved and until it is resolved to my satisfaction, it remains an illegal crime of FCRA regulations broken as well as causing severe damage to my credit impacting my financial life and livilhood. XXXX sent me a letter recently and in it they proceed to state that I canceled my XXXX card near end of XX/XX/XXXX, when I actually did i XX/XX/XXXX due to a mistake XXXX made in a payment process, I have a witness to this, but also XXXX and MIDLAND should be ashamed of themselves and should be fined by the FTC for I had a XXXX secured card, and I had a {$200.00} deposit. When I canceled the card, I owed nothing, but even if I did, XXXX kept my card open for well over 6 months charging outrageous fees and interest rates and MIDLAND in taking this debt from a creditor who not only put a false claim in general, but hiked up a {$300.00} secured credit card with a {$200.00} deposit, and claimed I owed over {$900.00}. Both companies should be ashamed of themselves. It is my right to get paid for their crimes and I will not rest until it is done, as I went out of my way for a long time to work with them and let them know they were wrong, but they refused to even acknowledge I was alive.
Consumer complaint received 2022-08-04
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX is reporting to XXXX and Experian as current 120 and 180 days delq for an account that was charged off in XX/XX/2009 for both of us- XXXX and XXXX XXXX . XXXX XXXX has already removed the derogatory item all together. XXXX is dropping our credit scores by XXXX points based on these consistent lates for years. We demand they fix their reporting right away. We have complete XXXX rounds of dispute letters to both XXXX and Experian and have attempted several CFPB complaints and to date we still have not received any assistance or resolution. We demand CFPB steps in and gets this fixed right away.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

RE : ACCOUNT IS CLOSED FEW YEARS AGO AND XXXX INSERTED NEW REMARK ON XX/XX/XXXX AND FURTHER I MPACTING ME, MY FAMAILY AND MY CREDIT THIS COMPLAINT IS NOT A REQUEST TO GET LEGAL HELP. THIS COMPLAINT IS AGNIST XXXX, BEEN CAUSING HARMFUL IMPACT ON MY CREDIT, THAT HAS IMPACTED OUR DAY TO DAY LIVES ( FAMILY AND MINE ). 

XXXX HAS BEEN AND CONTINUED TO BE NEGELENT IN RESOLVING THE HARMING ITEM IN MY CREDIT. I HAVE BEEN FIGHTING AND STRUGGLING TO RESOLVE THIS ISSUE IMMEDITELY AFTER THE TRANSACITON OCCURRE IN LATE XXXX. THE CONTINUED ACT OF XXXX IS NEGELEGANT, INCONSIDERATE AND SHAMEFUL. 

I NEED HIGER LEVEL TO BE CONSIDERATE AND RESOLVE THIS NEGATIVE IMPACT WITHOUT DELAY AND DO THE RIGHT THING. 
PLEASE STOP XXXX TO CONTIUE TP ABUSE MY CREDIT AND CAUSING IMPACT ON MY DAILY LIFE. THIS IS TOO MUCH OF THE ABUSE OF POWER TOWARDS NORMAL AVERABGE CONSUMER AND SEVERE IMPACT BY XXXX.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

This letter is being sent to you in response to a listing on my credit report from CREDITCHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDITCHECK TOTAL. 
For the purposes of XXXX XXXX XXXX XXXX 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, and any information received from you will be collected as evidence should further action be necessary.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have been in communication with XXXX and Experian for almost a year regarding negative items that is currently impacting my ability to establish credit and purchase a home. These items are reporting incorrectly and they refuse to validate the validity of the items : XXXX XXXX ( never delinquent ) and XXXX XXXX XXXX ( never delinquent ).
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX OpenACCOUNT INFORMATION DISPUTED BY CONSUMERClosed by GrantorDisputed by ConsumerCOLLECTIONI have disputed this account because it not my account and still has not been removed from my account and it has been over 3 months.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian will not remove debt off of my credit that can not be properly validated. I do n't know what they take as validation but this company trying to get money out of me has not sent me one thing to prove anything I owe. XXXX removed everything and followed the law. Not sure why Experian is not. 

I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX. ( under the FCRA ) A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Experian has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Experian can not produce these items that the company has sent to them then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. XXXX Texas Surety bond information as required by Texas XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (CA)

XXXX and Equifax credit reporting agencies both refuse to remove chapter XXXX bankruptcy that was dismissed and no longer legally held against. They continue to respond that it was verified by a third party vendor which is not accurante and XXXX XXXX  is providing false information. However XXXX has already deleted from credit report
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, 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. (TX)

I made a complaint to Experian about a hard inquiry by the name of XXXX XXXX XXXX XXXX XXXX I do not recognize this and certainly did not give them the ok to do a inquiry for my file. I never did business with them or a application. This is Identity theft and Experian never confirmed the inquiry with me.
Consumer complaint received 2016-09-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Adjustment Bureau, Inc. (IA)

The XXXX amounts in collections by the Financial Adjustment Bureau on my credit report have never been reported to me by mail or otherwise. I have however been advised of XXXX accounts by mail, in collections that are not reported on my credit report. There are in all, XXXX discrepancies ... I do not know to whom I owe how much and to whom I would pay how much ... .I have never received correspondence about any of it. I am disputing the fact that I just now found out about all this, and why and where did this mess come from?
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (CA)

I am writing to dispute the validity of the debt that Monterey Financial Services LLC claims I owe. I want to clarity that I have never entered into ANY agreement or contract with Monterey Financial Services LLC. I believe that the collection activities being pursued by your agency are in violation of federal regulations, specifically the following codes : 1. Code : 12 CFR 1006.34 ( c ) ( 4 ) ( I ) This code states that a debt collector must provide me with a written notice containing specific information about the debt within five days of their initial communication with me. I have not received such a notice from your agency, and appeared on my consumer report without notice, which raises concerns about the accuracy and legitimacy of the debt you are attempting to collect.

2. Code : 12 CFR 1006.34 ( d ) According to this code, a debt collector must provide me with written verification of the debt if I dispute it within 30 days of receiving the initial notice. I hereby dispute the validity of the debt and request that you provide me with the necessary documentation to verify its accuracy.

3. Code : 15 USC 1681-s2 ( 7 ) ( a ) This code states that a debt collector must cease collection activities until they have provided me with the required validation of the debt. In light of my dispute, I request that you immediately cease all collection efforts until you have provided me with the requested documentation. 

I request that you investigate the matter and provide me with a written response within 30 days as required by law. Please ensure that any further collection activities related to this debt are halted until the dispute is resolved and the debt is verified. 

Additionally, I would like to remind you that I have certain rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any violations of these acts will be reported to the appropriate regulatory authorities. 

Please provide me with the necessary documentation to verify the debt, including but not limited
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California (CA)

I have asked Collection Consultants to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

Dear Customer Representative, I received a pre-approved letter in mail XX/XX/XXXX from Aspire. I applied for credit and was approved stated no annual fees charged. I was looking over my credit report and noticed I had a late payment due from Aspire do to maintenance fees charged on account, I received an email from Aspire XX/XX/XXXX that my statement was available for viewing and I owed {$25.00}? I looked at my account and saw that XXXX, XXXX, and XXXX I was charged {$5.00} each month for maintenance fees plus interest. This is incorrect because when I received card the PRICING DISCLOSURE STATED : account maintenance fee - {$0.00} annually ( {$0.00} per month ) after the first year. 

XX/XX/XXXX called Aspire XXXX ( XXXX ) XXXX spoke to XXXX and explained that my account should not have any maintenance fee per PRICING DISCLOSURE, she stated that it was changed and I was emailed a copy which I never received? I asked her to email me another copy, she never did. I looked on account app and there was no message about maintenance fee change. I stated that I wanted to close account and have maintenance fee waived since I had no knowledge of charges. She replied that I was still responsible to pay late fees and interest charge which is what I am disputing my account shows I owe {$25.00} if she waves maintenance fee XXXX I still owe {$10.00} plus late fee {$41.00} total {$51.00}. I never have used this card and with the late payment it is negatively impacting my XXXX SCORE. 
Will you please contact Aspire and have all charges removed. 
I have enclosed : Copy of Email # XXXX Pre-approved letter showing XXXX annual fees # XXXX Documents when I received credit card showing Annual Fee XXXX Account maintenance fee XXXX annually ( XXXX per month ) after the first year. 
# XXXX copies of monthly fees XXXX, XXXX, XXXX Credit Card Number : XXXX XXXX XXXX XXXX Thank you for XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have filed disputes into the accuracy of payment history through XXXX and TransUnion regarding my XXXX XXXX XXXX mortgage account. Regardless if XXXX reports to these companies now both credit monitoring bureaus are suppressing the account from my credit report because XXXX is failing to respond to active disputes. 

I would like XXXX to prove they have in fact responded to active disputes through TransUnion and XXXX. The agencies have told me since XXXX has not responded to the disputes the account will remain suppressed until they finally respond. The TransUnion dispute was from well over XXXX months ago. After XXXX days TransUnion begins to suppress the account from a failure of the creditor to respond. A similar policy is held with XXXX. 

XXXX must respond to disputes with both agencies to allow the account to appear on my credit report again. 

I reiterate -because of XXXX failure to address this in a previous complaint- I am NOT arguing the accuracy of my paymeny history on this complaint. I am arguing that XXXX has failed to respond to disputes on XXXX and TransUnion which have caused the account to become suppressed regardless of if they continue to report the account or not. They MUST respond to disputes as they have intentionally failed to in an effort to damage my credit score. 

The documents I've provided show all of my active accounts minus XXXX which is active but suppressed from their lack of response to open disputes.