davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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)

Subject : Dispute of Inaccurate Information Due to XXXX XXXX XXXX and National Breach Under FCRA Dear Experian, I am writing to formally dispute several entries on my credit report that I believe to be the result of unauthorized activity linked to the widely publicized XXXX XXXX breach and a subsequent national breach. These breaches have compromised my personal information, leading to inaccuracies and fraudulent entries in my credit report. 

The specific items in dispute are : XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX ( Include additional fraudulent accounts or entries as needed. ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information on my credit report that I believe is inaccurate or the result of identity theft. Additionally, under Section 605B of the FCRA, if an identity theft report is provided, consumer reporting agencies are required to block the fraudulent information from the credit report within four business days of receiving the request.

Enclosed with this letter, I have included the following documents to support my dispute : A copy of my government-issued identification.

An Identity Theft Report, including a Federal Trade Commission ( FTC ) affidavit and a police report documenting the breaches and the identity theft. 

Evidence of the XXXX data breach and the national breach, which compromised my personal information. 

I hereby request that you : Investigate the disputed entries on my credit report. 
Remove or correct any inaccurate information resulting from the identity theft associated with the XXXX breach and the national breach. 
Provide me with a copy of my updated credit report once the investigation is complete. 
Block any fraudulent information from reappearing on my credit report as mandated by the FCRA.

Please confirm in writing that you have received this dispute and provide a timeline for the completion of your investigation. If these items are not removed, I may consider pursuing further legal action to protect my rights under federal law. 
I expect your prompt attention to this serious matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

It has come to my attention that these accounts reporting on my file have inaccuracy in them- and for the past months, I've been making an effort of trying to reach out to your company so that it could get reinvestigated, re-checked and verified whether or not these accounts belong to me or are accurately reporting.
Consumer complaint received 2024-09-04
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. (NJ)

Its really disheartening to see unauthorized inquiries on my credit report today, and Im baffled as to why this happened. I checked my credit report as I normally do, only to find these discrepancies out of nowhere. Refreshing my browser didnt help ; the inquiries were still there. I request that you carefully review the documents Ive submitted so I can stop worrying about this.
Consumer complaint received 2024-09-04
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)

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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, Equifax, and XXXX! 
I need my name and current address corrected immediately! And others removed, Ive sent numerous email and documents. I would like for someone to take immediate action! 
Theyre reporting addresses Ive never lived at and Im not receiving any of my mail from them.
Consumer complaint received 2024-09-21
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)

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no clue why they're there. I check my credit report regularly, but this time, there were strange discrepancies that just appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but it wasnt. The incorrect accounts remained. I urgently ask that the documents Ive sent be thoroughly reviewed, so I can stop worrying about this once and for all.
Consumer complaint received 2024-10-20
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: CLGF Holdco 1, LLC (NJ)

I recently reviewed my credit report and found unauthorized inquiries. I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my approval, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. As such, under 15 U.S. Code 1681i, Paragraph ( 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. The following inquiries are unauthorized, and I ask that you DELETE the following XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

XXXX - Tried making online payment at Heartland Ecsi. Website informed passkey would be provided on billing statement. The pass key was not on the billing statement. Had to go to a previous email to find the passkey to register the account. Entered the information requested, got to the next screen and was told that the passkey I entered was already registered. Requested information for my user ID since the one that I had just created. I couldnt connect my account to and got a message that the account name was the one that I had just entered not the previous account name that was registered with my passkey. in essence the account name that I got was the name that I had just entered that I couldnt use the passkey to get into my account and make a payment. Then I went online to make a payment. Had trouble finding the XXXX XXXX Heartland ECSI app for the XXXX system. XXXX  for the Heartland ECSI app and download an app several times that was actually for companies or businesses not to make student payments. Went back to XXXX asked for a link for the app and secured the correct link to download the app. Downloaded the link and was told that the app was not available in my country or region tried several times. In addition, these efforts, I had contacted the company by phone trying to make a payment on the phone- unsuccessfully. The message received was that I needed to be transferred to Customer Service which is closed. Was not able to make a payment on the phone was not able to make a payment online and was not able to download the app. Therefore, I had no way of making my payment on time since the mail had not been received yet.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants and Medical Credit Corporation, Inc. (MS)

15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : This debt has been reported without my knowledge, consent, or any permissible purpose under the law.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Merchants & Medical Credit furnished inaccurate information to consumer reporting agencies, knowing or having reasonable cause to believe that the information was inaccurate.

15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy, which has been breached by this unauthorized and incorrect reporting.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) : A consumer reporting agency is not allowed to furnish any account information without my written instructions. I never authorized this reporting.

15 U.S.C. 1692g : I was never notified in writing within five days of this account being placed on my credit report, as required by law. Additionally, I have observed inconsistencies in the information being reported by Merchants & Medical Credit, XXXX, XXXX, and XXXX. These inconsistencies include differences in the reported payments, balances, open dates, and closed dates, further confirming the failure of Merchants & Medical Credit to properly verify the debt before reporting it., my family member, who shares the same name and resides in the same household, has this same account with the same name and account number listed on her credit report. However, we do not share the same Social Security number. This raises serious questions about the accuracy and legitimacy of this reporting. 
. I have previously been a victim of the XXXX, XXXX, and XXXX XXXX XXXX data breaches, which could have compromised my personal information and contributed to this situation. Therefore, I kindly request that this error be corrected and that the account is removed from my credit report. I trust the collection agency and credit bureaus will address this issue by deleting the account from my reports.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, which are only XXXX required Per the Law. I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: John C. Heath, Attorney at Law, PLLC (GA)

Consumer reports. Rental history and report. Lexington law credit repair and XXXX data breach settlement case debt collection and tXXXX XXXX XXXX XXXX by unknown but have police report companies never solved or responded to fraud identification including correct history
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX DOB : XX/XX/XXXX last four of SSN : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX RE XXXX Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer report information provided by XXXX XXXX to the Credit Reporting agency by the name of XXXX. While checking my report, it came to my attention that this account is still reporting inaccurate information. Not only is the communication not accurate but all attempts to resolve this issue have failed. I have disputed this with XXXX XXXX on several occasions. This erroneous communication must cease. 

According to 15 USC 1692a ( 2 ), the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

XXXX XXXX has consistently communicated inaccurate information in regards to the credit builder account account ending in XXXX as well as the credit card account furnished via XXXX. The account has been reporting inaccurate late payments. As the attachment reflects, the account is reporting as current in XXXX of XXXX then reports as 60 days past due in XXXX of XXXX. How can an account be 60 days late in a time span of 30 days? The same incorrect reporting is reflected on the credit card account, on time in XXXX of XXXX then reports 60 days past due in XX/XX/XXXX. 

As per the literal interpretation 'any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information about the late payments for this alleged debt ) by XXXX Bank will amount to a communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to calls, emails, social media, or any Consumer Reporting Agency unless it is to remove the incorrectly reported late payments. 

Any further contact by your agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely XXXX XXXX XXXX Attachments : 1. Copy of Consumer Report 2. Copy of account inaccuracies XXXX inaccuracies
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/XXXX NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-10-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Bread Financial Holdings, Inc. (NJ)

I was using Bread XXXX previously known as XXXX XXXX XXXX from XXXX. The CD was supposed to mature on XX/XX/XXXX. In XX/XX/XXXX, I updated my address for my regular bank and Bread XXXX as I was in the middle of moving. I also reached out to Bread XXXX  and informed them twice that I wish not to continue with them and would like my money transferred. They instructed me to enter the bank information on the app. I did. From there, I received an app message stating to submit a statement to verify the bank. I did. They denied it and requested to verify the address. I submitted some documents with address information and informed them that the address listed on the bank is the same on Bread savings statement. I was then instructed to call. I called and was told that the transfer process will be initiated at the maturing date of XX/XX/XXXX. Around that time, I received another message instructing me to submit the same documents I have already submitted. I called again and the same process continued. Recently on XX/XX/XXXX, I sent the requested documents with the same address reflected. On XX/XX/XXXX, I received a message again asking me to re-send the documents. At this point, I believe Bread Savings Bank is illegally withholding my money, and I am looking to take legal action.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I attended XXXX  XXXX XXXX of XXXX ( XXXX ) from XXXX, and left before finishing my XXXX. I was encouraged to, and did, take out as much loan money as possible : I had XXXX XXXX  children to provide for while I was attending XXXX XXXX XXXX made me sound like I was a superstar XXXX brain when they saw my LSAT score, and offered me a half-scholarship, which covered about $ XXXX of the annual tuition. The financial aid department was very eager to get me fixed up with as much loan money as was available. They knew my husband was a XXXX XXXX, and encouraged me to keep taking out the maximum each semester. It felt like XXXX money, because I was convinced I would have a great lawyer job when I graduated. Not only did I not graduate ( I had to move to Texas for a job ), but I left with more than {$200000.00} in student loans. That was far more than the five semensters I attended would have cost. At that time, I believe Navient was still Sallie Mae, and they were handing out money so easily, with promises of low interest rate paybacks. I am also in the XXXXXXXX XXXX XXXX XXXX, and XXXX is on the list, with the XXXX XXXX XXXX XXXX. ALL of my federal loans have been XXXX because of XXXXXXXX XXXX ( and the parent company, Infinilaw ) documented misconduct in its promises of XXXX XXXX success, and great jobs after graduation, and heavy marketing toward people who are at higher risk financially, and less likely to see the success promised, or to pay back the massive loans. Sallie Mae/Navient wanted to be a top tier lender with the for-profit schools owned by XXXX, so they made it very, very easy for XXXX students to get big financial aid -- much more than was necessary. There have been multiple suits by several states ' attorneys general alleging that Navient violated consumer protection laws by engaging in unfair and deceptive servicing and collection practices and, as Sallie Mae, originating predatory subprime private student loans. The fact that Navient, when I asked for an application -- just the application for discharge of the loans -- flat refused for vague reasons, indicates the company continues to be slippery and in denial about its responsibility for bad faith practices.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate charge off account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
XXXX XXXXXXXX
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berman & Rabin, P.A. (CA)

In XX/XX/year>, XXXX XXXX XXXX emailed me try to collect {$1000.00} for XXXX XXXX. I have been arguing with XXXX XXXX for a long time and asking for itemized receipt for the carpet replacement {$710.00}, apartment cleaning {$290.00} and paiting {$270.00}. However, XXXX XXXX refused to respond and sent this unvalidated debt to debt collector. So I submitted a claim also to attorney general of the state and confirmed it is required by law to provide detailed documentation within 21 days of moving out for any charge more than XXXX  XXXX letter has been shared with the debt collector as well. Still, they ignored my statement and tried to collect the debt that I am not responsible to. 
In addition, I want to mention that XXXX XXXX tried to hide the detail of the charge when providing the new statement to the debt collector ( using confusing name " one time concession '' instead of apartment cleaning and carpet replacement ).
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Company violated my consumer rights to the privacy of personal information by credit reporting via 15 USC 1681 during the national data breach exposing and compromising my full name, dob, ssn, address and other personal information.