davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated [ XX/XX/XXXX ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my mortgage account [ XXXX  XXXX XXXX ACCOUNT NUMBER XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. And also the lack of response to a letter that was sent to creditor the account, which was not answered. 


In my credit report I can see that in : [ XXXX / XXXX ] [ XXXX/ XXXX ] it reflects that I had late payments of ( 60 ) days which is not true, in the same way I refer to the month of [ XXXX ] in no way I had a late payment of ( 120 ) days. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment [ XXXX / XXXX ] [ XXXX/ XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX/ XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ]
Consumer complaint received 2024-09-09
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. (TN)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2024-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I have student loans with Mohela. My loans have been transferred multiple times ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mohela ). Mohela has done an insufficient job at recording the full history of my loans, and providing the loan origination records ( with history of each payment ) in a timely manner. They are only providing records of payments I have made with them and have NOT listed ANY prior payments- this means the amount they are requesting from me is wrong, because the amount of the loan is not properly reflected. I have records from XXXX, and XXXX with proof that I made payments on these loans through XXXX and XXXX. It is my right to have reasonable access to the history of the loans with specific historical records, payments made, etc. They are hindering my experience with the XXXX XXXX XXXX XXXX program because their records are inaccurate and they have not updated my account with correct information. 

It is impossible to connect with them via phone ( upwards of XXXX hours to speak via phone ). My recent try at connecting with them has been via the portal.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I am filing this complaint due to me mailing multiple letters off for experian and XXXX to remove these items which have been removed from my XXXX. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. A detailed DELETION and explicit disclosure of your verification method are required as per the statutory guidelines. 
This communication serves as my final goodwill attempt to rectify this matter amicably. The disputed item is not only inaccurate but also incomplete and represents a significant error in your reporting. I am maintaining a detailed record of all communications for this issue, to be used for filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office. 
Please note that failure to satisfactorily resolve this matter within 30 days of receiving this certified letter may prompt me to initiate a small claims action against your company, seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Renorting Act
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-09-11
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OK)

I am currently in XXXX XXXX, but I am making payments on my XXXX XXXX before they are due in order to reduce my loan burden and interest. 
I made the following payments to Mohela on the following dates : {$330.00} on XX/XX/year> {$170.00} on XX/XX/year> {$1500.00} on XX/XX/year> {$1000.00} on XX/XX/year> However, these payments are not on my payment history or applied to my loans. I have banks statements for these payments, as well as e-mail payment confirmations from Mohela for each of these. I called the company this morning and was placed on hold for 40 minutes. I spoke to a representative who said she was looking into my problems. She placed me on a brief hold again. She started to explain the problem, but within 3 words she stopped talking. I could hear rustling on her end so I knew I had not lost connection. She did not respond to my multiple hellos? to gain her attention. Then the call mysteriously " dropped ''. She did not call me back even though she confirmed my call back number. I am currently on another 30-minute-and-counting hold. They have not only " lost '' my {$3100.00} of payments, but since those payments were made within 120 days of loan disbursement, they have also stolen the interest that was supposed to be forgiven.
Consumer complaint received 2024-09-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (OK)

Checked my XXXX score recently and it went from XXXX to XXXX. I have had a high XXXX 's rating for over XXXX years. 
I looked up the reason and found that Radius Global Solutions had filed a unpaid debt. I do not know who this company is, they have not contacted me at all, and don't know what debt I have. 
I looked up the company and found they are a debt collection agency. They have a very poor rating and don't think they are legitimate
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

On XX/XX/XXXX ED Financial Services placed my loans in forbearance, but I have an IDR repayment plan set at XXXX XXXXXXXX. They are intentionally harming me!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit score has dropped tremendously yet again due to this collection account which has changed ownership now twice. The original creditor is XXXX XXXXXXXX XXXX  on XX/XX/XXXX the collection was sold to XXXX XXXX XXXX in which that company violated my consumer rights and broken many FCRA laws and therefore the collection account was deleted by XXXX XXXX XXXX. The documents of that deletion is uploaded as well. Currently as of now once again my credit has gotten penalized by another debt collection agency named XXXX XXXX XXXX as of XX/XX/XXXX. XXXX XXXX XXXX was sold the same identical information from the previous debt collector. I have no contract or obligation to XXXX XXXX for this account as already been settled. Now this previous debt is currently reporting on all three credit bureaus damaging my credability. I truly believe this is illegal and a frivolous business practice of penalizing me multiple times by the same collection. I'm requesting that XXXX delete this prevously deleted account frommy credit report and cease all communication and reporting.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

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.

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 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AL)

The information on my student is currently incorrect. The loans from the schools XXXX University ( which is now XXXX XXXX ) and XXXX University Should of been remove and forgiven from my account due to a class action lawsuit. The amount of student loans is around XXXX in loans. Instead the loan amount is double to over a XXXX because XXXX student XXXX calculated the Consolidated student loans as additional student loans. The only loans that should remain on the account is the student loan from XXXX XXXX in the amount of {$3600.00}. When I spoke to the loan servicer Nelnet they said the information base on the what they receive from XXXX XXXX aid. I have paperwork from the school and bankruptcy courts stating the XXXX loan amounts are incorrect. I also have ledge from Bankruptcy that shows that I paid over XXXX in student loans while in Chapter XXXX bankruptcy. XXXX XXXX loan show no information on this on the site. Due to the bankruptcy payment I should get that refunded to me minus the XXXX I own to XXXX XXXX. Not sure why this is happening but it is also damaging my credit file.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-11
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. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-11
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. (TX)

XXXX has been reporting erroneous defaulted loan information to XXXX, Experian and XXXX XXXX since XX/XX/year>. After contacting Account Specialist XXXX XXXX on XXXX, .the only solution he advised and could give was to dispute with credit bureaus even knowing it was a fraud in my name. 

knowing this is error on XXXX part, they are refusing to correct this. This has impacted my credit score and government background check for employment. 

I requested a letter to state the error to provide to government agency for employment and was denied.
Consumer complaint received 2024-09-09
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)

I am writing to formally request the removal of the inaccurate and fraudulent accounts listed herein from my consumer report, in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my diligent effortsincluding submitting identity theft reports,
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.

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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I need your assistance regarding this incorrect account listed on my credit report. This issue has harmed my reputation, and I require your help. Your mishandling of my credit report has deeply affected me, and because of your inaccurate reporting, my reputation has suffered. These inaccuracies need to be corrected so I can move forward with my family.
Consumer complaint received 2023-07-17
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. (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 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I am writing to formally complain about XXXX XXXX continued reporting of a fraudulent account on my credit report, despite my prior request to cease this activity. This account was opened without my consent as a result of a data breach, making me a victim of identity theft. Although the account was initially removed, XXXX XXXX continues to report it, which is not only illegal but also a violation of my rights under the Fair Credit Reporting Act. I demand that XXXX XXXX immediately stop reporting this account and that Eqifax ensures its permanent removal from my credit report.
Consumer complaint received 2024-08-17
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. (VA)

XXXXAccount number ( inaccurate report i paid in full and was never late ) XXXX XXXX XXXX- ( no knowledge to this account ) {$3900.00} Account number XXXXXXXX XXXX XXXX XXXX ( no knowledge to this account ) {$180.00} XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$780.00} Account number XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$120.00} Account number XXXX i demand these items to be remove i also reported to the ftc
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is XXXX, XXXX, XXXX, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports