davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX Accounts have violated my rights. 
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 XXXX XXXX XXXX, XXXX, XXXX, XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-21
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. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

To whom it may concern, The reason for this email is because I am seeking your help to correct a wrong information that Equifax is reporting. It says that our mortgage account with XXXX now XXXX XXXX, that was closed in XX/XX/2011, is past due of 120 days in the last 12 months. I am sending the cancellation letter, the settlement, and the Deed, as well as a history of the mortgage, for you to please review them since the delays reported are incorrect. I would like to express my appreciation and gratitude to you for taking the time to review these documents. 

Again, I pray that this error is corrected since is affecting us to acquire a new home for my family.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (CA)

I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, Experian, and XXXX upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this 3 consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation
Consumer complaint received 2017-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax dropped my credit score 96 points in one week using 6 changes as their reasoning. ( 1 ) change of address, been here 6 months ( 2 ) student loan balance increased {$97.00} in the last 12 months, probably interest on the deferred loan. ( 3 ) Fed student loan inquiry, yes they did inquire just as they do each time you get a student loan, but last year 's is still on there. ( 4 ) and ( 5 ) and ( 6 ) all have to do with having a high balance on my 2 credit cards. Total limit between the 2 cards is {$900.00} dollars of which I owe {$550.00}. I think this drop in my score which took me from fair to very poor was harsh considering I have no derogatory credit and have been working hard over the last year to build my credit. Always pay on payments early and more than minimum every month. The other 2 agency 's did drop my score but only 7 points.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (WA)

I signed up for a Credit Monitoring system with Experian. The sign-up procedure took < 2 mins. In order to cancel, I have to call them. I have been on hold for more than 2 hours over the phone, no response.
Consumer complaint received 2019-02-21
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: EQUIFAX, INC. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Dates : 1. XX/XX/XXXX 2. XX/XX/XXXX XXXX. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX
Consumer complaint received 2015-10-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California (CA)

I paid the XXXX up front then when we get into XXXX facility at XXXX XXXX XXXX. The nurses offered us free flu shots. Everything was OK but later we receive the bill charged us {$1500.00}, XXXX free flu shot turned into XXXX different shots that we never received then the charge from another lady who was in hospital facility at XXXX XXXX, because she has the same name with my wife but different account number. I went down to member service show to them to complaint they recognize the errors but could not fix.!!! Later almost 2 year I receive my XXXX health insurance payment.
Consumer complaint received 2022-07-20
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$9400.00} XXXX  XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$62000.00} XXXX  XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$25000.00} XXXX  XXXX Balance : - XXXX  XXXX Balance : -
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I would like to reopen case # XXXX. 
I feel I have not been treated fairly by Wells Fargo in regards to loan modification request. 
There response did not answer my questions. 
I will attach my original complaint and my reply to Wells Fargo. 
Please refer to the above case # for Wells Fargo response to my original complaint. They sent a lot of information that avoided my main questions. The information they sent only confirms my conclusion that they could have lowered my home interest rate but just chose not to.
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXXXXXX {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2015-09-13
Product: Credit card — 
Issue: Other — 
Company: Army and Air Force Exchange Service (FL)

Dear Sir or Ma'am, I am writing to dispute a Military Star card account that is not mine ( account # XXXX ). I do not even know the full account number because this is not my account ( no statements and they will not tell me the full account number because it is not my account ). I once had a Military Star account that was paid in full and closed XX/XX/XXXX while I still lived in XXXX, but it was a XXXX account with a {$500.00} limit ( meaning it could only be used at a Military Clothing & Sales store ). I did not re-open this account, nor do I even receive statements since someone has apparently re-opened it. I lived at my previous address for 5 1/2 years until XX/XX/XXXX and my current address ever since then without ever being contacted. I have repeatedly sent corrections directly to XXXX, XXXX, and XXXX disputing this information, which they forwarded to Military Star without resolution. I also sent letters to Military Star, with XX/XX/XXXX being the most recent. 
My wife, XXXX XXXX, has also been in regular phone contact with Military Star regarding the continued reporting of this account on my credit report, the repeated negative reports, and the occasional deductions from my pay ( that we then have to work with you for reimbursement ). Military Star 's representatives tell us on the phone every time she calls to complain about this false account that it should be off of my credit report in the next month because they can see in their system that it is not mine, yet it continues to be reported.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NJ)

Charging exorbitant credit card fees $ XXXX/year ( 20 % of the credit line ) but not giving sufficient credit limit to be able to use the credit card without being throttled. Given that I have maintained all accounts in good standing with no missed payments.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors (NV)

The statement for a medical bill says that I can pay though their website. The website is not set up therefore their statement is false. What if this was the only way I can pay? 
National business factors inc XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (FL)

XX/XX/2023, I look at my credit report. I sent a letter to XXXX, XXXX XXXX and equrifax on XX/XX/2023 asking them to reinvestigate these accounts. Report XXXX XXXX XXXX. XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX. XXXX # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXX # : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXXXXXX # XXXX On XX/XX/2023 they sent me their investigation and said these accounts are complete and Accurate. 

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

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would acknowledge that neither reporting agency actually did a proper reinvestigation and check that the information report was factual and accurate.
Consumer complaint received 2017-08-13
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. (MA)

I have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IL)

" Teen Account '' with my daughter, I was co-signer, to help her learn banking. Suddenly check after check bounced. Discovered Wells Fargo changed her account to an " adult '' account not realizing she had direct deposit to teen acct. for paychecks from a XXXX company. Deposits continued to original teen account, while all spending went through " new account '' causing approx {$400.00} in OD charges, which WF would only write off XXXX. Financially difficult for me to pay OD charges off, did and closed account. I was LIVID. Occured XX/XX/XXXX, XX/XX/XXXX. Just called WF CS and giving my ( adult/Mom ) SS # they do n't even show my minor daughter being ever on a shared account with my SS #! With todays news I called WF CS # and was told by rep that she is in a call center and ca n't help me, I need to visit a WF banker personally. My daughter now lives in XXXX and I 'm in XXXX. All I want is XXXX % of the OD charges I had to pay refunded. WF moved her into another account on their whimsy and caused me to spend hundreds of dollars in OD funds. As of XXXX/XXXX/XXXX b/c I do n't have account paperwork there is nothing WF can do today. I have moved across country several times and do NOT have paperwork, b/c banking is now done online, do not accept their " excuse '' that I do n't have paperwork.
Consumer complaint received 2018-12-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC (FL)

In XX/XX/XXXX, I purchase a vehicle from XXXX  XXXX. About two weeks later I returned the vehicle back for over heating issues. I was given a loaner car for about 3 months until the issue were fixed. After receiving my vehicle back about year and some months later the heating issue started back up. After taking it to the shop to get it fixed the issue was never resolved by XXXX XXXX. XXXX XXXX sealed the part that was causing the issue. After I was given notice what was done and why the issue kept causing problems the vehicle broke down. The vehicle was going in and out the shop to fix the problem. I contacted America credit acceptance to do a voluntary surrender and was denied the service. So, I stop payment for them to repo the vehicle so I can do a settlement because I no longer want the vehicle because of the issue I was having. XX/XX/XXXX the vehicle was finally repossessed. In XX/XX/XXXX I contact American credit acceptance to see what was my final debt after the vehicle were sold and to settle my debt. I was told I can settle it by paying whatever I want so I declined the option and told them to mail me a settlement option so I can clear my debt. I was never any option to settle the debt. On XX/XX/XXXX I  noticed the account was higher than usual so begin Disputing it. The balance at that time was now at XXXX. I have filed complaints against them with XXXX that the balance keep changing. After receiving a follow up by XXXX it was brought to my attention the account is still open. My rights has been violated by false reporting to account that supposed to be closed after the vehicle were sold in auction but instead the account remains open and occurring interests.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (IN)

Dear Ma'am/Sir, I am writing to follow up on my previous letters regarding the inaccurate and misleading accounts that are still present on my credit report. Despite my repeated attempts to bring this matter to your attention, these accounts continue to persist on my report, causing unnecessary confusion and potential damage to my credit score. 

The following accounts continue to appear on my credit history : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Account XXXX : XXXX As previously mentioned, these accounts contain inaccurate information and do not match the criteria set by the Fair Credit Reporting Act ( FCRA ). I have requested a thorough review, highlighting the discrepancies and inaccuracies in various criteria. As per my understanding, when there is a failure to verify the validity of these accounts, they are required to be removed entirely from my credit report. 

Upon recent verification, it is evident that these accounts are still incongruent with each other. I am deeply concerned about the potential harm to my reputation with future creditors if these inaccuracies persist on my credit file. I have worked diligently to maintain a positive credit record, and I am apprehensive about facing issues in the future, particularly when venturing into new business endeavors. 

My question remains, how did the verification process conducted for these accounts? I believe that it is essential for me to understand the process you used to verify the accuracy of the information contained in my credit report. 

I kindly request that you expunge these inaccurate accounts from my credit report immediately. I desire to start fresh with a clean slate and avoid any potential issues that may arise due to these erroneous accounts. 

I appreciate your prompt attention to this matter and expect prompt resolution. 


Regards, XXXX XXXX