davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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. (VA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XXXX, 2024. ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.|
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

" I am writing to delete the following information from my file. The Items I deleted are listed in the report I am a big team of the identity theft, and I did not make the charge. I report the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray, commission identity, theft, Affidavit. Please delete these items as soon possible. ''
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NC)

Incident Details : Date of Initial Contact : On XXXX, I received a notice from Wakefield & Associates regarding an alleged debt.

Debt Verification Request : On XXXX I sent a formal written request to Wakefield & Associates asking for verification of the debt. This request was made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
The letter was sent to : Wakefield & Associates XXXX XXXX XXXX XXXX ATTN Return XXXX, TN XXXX Lack of Response : Despite my request, Wakefield & Associates has not provided any written verification or documentation to substantiate the debt. 

Harassment Through Calls : Following my request for verification, I have been subjected to repeated and harassing phone calls from Wakefield & Associates. These calls have persisted despite my clear request for communication to occur only in writing and have caused significant distress.
Consumer complaint received 2024-07-10
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. (GA)

On or about XX/XX/year>, I sent XXXX and Experian certified disputes that I attached to this complaint. Both agencies failed to thoroughly investigate the errors on my account : XXXX XXXX {$710.00} and XXXX XXXX {$7900.00}. So, on or about XX/XX/year>, I sent both agencies certified letters requesting a copy of their procedures used to investigate my disputes on XX/XX/year>, including the name, title, and contact information of the person at the creditor with whom you did the investigation. Both companies ignored my requests and did not send me a copy of their investigation procedures within 30 days. They left the XXXX errors on my credit reports which has effected me financially and emotionally.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Account was paid. XXXX is saying account was never late. I have email from them. Credit collection company wont do anything as they are saying the account is closed so its not their repsponsiblity. 

XXXX can't do anything as they are not showing the account was ever late. 


CREDIT CONTROL SERVICE Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$550.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. 

Contact info Name CREDIT CONTROL SERVICE Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc. (CA)

I am filing a complaint against XXXX XXXX XXXX, a creditor that has persistently called me for years to settle a debt. On XX/XX/year>, I sent XXXX a debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, asking them to provide evidence of all debts they claim I owe. On XX/XX/year>, XXXX responded with an invoice dated XX/XX/year>, for {$50.00} regarding a wrist brace described as " XXXX XXXXXXXX XXXX XXXX XXXX. '' I do not recognize this item. 

Despite years of pestering collection efforts, XXXX produced an invoice only dated XX/XX/year>, just two weeks ago, and made after the validation request. This invoice appears to have been created solely in response to my validation request and is not a genuine or valid proof of debt as required by law. Under the FDCPA, debt collectors must provide accurate and timely validation of debts. This invoice does not meet the requirements under 15 U.S.C. 1692g ( b ), which mandates debt collectors verify the debt that existed before their collection efforts. I request that CFPB investigate this matter, as XXXX 's actions constitute a fraudulent attempt to collect a debt.
Consumer complaint received 2024-08-09
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 recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2024-07-12
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)

I am writing to follow up on my previous fifteen attempts to correct inaccuracies regarding late open accounts on my credit report. Despite my repeated disputes and submission of all necessary documentation, these inaccuracies remain unresolved. 
I have enclosed copies of all relevant documents once again for your reference. These items are incorrect, and their presence on my credit report is causing significant XXXX to my creditworthiness and financial well-being. I request that you take immediate action to investigate and correct these inaccuracies on my credit report. If this issue is not resolved promptly, I will have no choice but to seek assistance from you and pursue further legal action if necessary. Kindly help me remove the following items immediately : 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-28
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. (TX)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

The problem i am having with golden 1 is that they just randomly closed my account set for XX/XX/23, they never called or emailed me i went to the store and my card declined. When i called them and asked why they said they are closing my account simply because my transactions dont line up with there bank. I never did anything fraudulent with my account my direct deposit and autopays where set to this account. They simply told me to go to the bank and get my cash and keep saying they have no other reasons why. Even speaking with reps they even told me they see no strange activity or reason for the department to close my account.
Consumer complaint received 2023-09-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (MI)

XXXX XXXX, Michigan - We visited XXXX  Room in XXXX. We never received statement from them. When I contacted, always numbers are busy, one XXXX I got hold of them, they said no supervisors or managers available. I left a message for someone to call back but they never did. But the amount went for Debt collection. 

XXXX is same as XXXX XXXX same as XXXX XXXX. 

We are uninsured. We didn't get discount for selfpay. They expect us to pay full amount. Their policy for 20 % discount is only 7 days. No one can pay {$3300.00} in less than 7 days without receiving statement what we are billed for and it is accurate. They should have staggered due dates like less than {$100.00} one week ; less than {$1000.00} 2 -3 weeks more than {$1000.00} atleast 1 month from the date of paper statement received. Their policy is not practical and helpful for consumers. 

I received Debt collection notice from UCB United Collection Bureau. I called them and mentioned that I have never received the statements from XXXX before. They said they don't contact XXXX. Because they don't know them. UCB said they can not make settlement with me. But they can send itemized statement. 

Again, I called XXXX XXXX XX/XX/XXXX XXXX, it says if you received collection notice, press 1, when I press 1, it always comes busy tone. Then I spoke to someone out of state, she put the notes on the account to pull it back from Collections and said someone will contact me. Until XXXX  I didn't receive any response. 

I received a call from UCB on XXXX  XXXX at XXXX with an authoritative voice stating that we have sent the itemized statement did you receive it or not. I said I didn't receive it. I also told her that I contacted XXXX and they are ready to pull the collectin back. But she we didn't hear from them. I told her to give them sometime because I just called last week XXXX. I received UCB itemized statement on XXXX  XXXX. They didnt have patience to wait one or two days to call me. 
Again, I received lots of calls from UCB but I answered only XXXX in the XXXX, I told him I just spoke to them XXXX XXXX and notes are in the account. You can not call me everyday and harass me. They started my week on the edge ;
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive pulled my credit report Both on your website as well as XXXX XXXX and have found some inaccurate information that requires removal. I have a new employment opportunity coming up and I know they'll pull my credit report and this false information will hurt me. 

( XXXX XXXX number XXXX ) I was not late on XX/XX/year>, which is reported as 30 Days late on XXXX, XX/XX/year> on Experian, and XX/XX/year> XXXX. Remove this late payment for inaccuracy and update to paid as agreed. 

I have never been late on any payment and would like this updated to paid as agreed.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I enrolled on the SAVE plan with the intention of taking advantage of no additional interest with on time payments, even though my payment is higher than other plans. I also enrolled in autopay with Nelnet. Initially the website said my payment was processing, however, when I logged on to check the status, Nelnet has applied an administrative forbearance until XX/XX/2026 with no communication or notice to me about this. I didn't ask nor authorize this. I tried to my on time, automatic payments in good faith and utilize the proposed benefit of the SAVE plan and now I'm being charged interest on something I tried to make arrangements for. Several times when I was trying to see the status, Nelnets website was down, their call centers were not taking calls and no one is communicating about these changes they're enacting.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Accounts names :XX/XX/XXXX XXXX : XXXX XXXX XX/XX/year>XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-21
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. (GA)

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. 

AXXXX 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  and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2019-06-28
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. (CA)

I have tried to dispute the late payments of the XXXX truck with Experian, and they keep refusing from removing late payments from my credit report regardless of proof of the court order. The XXXX Truck was not in my possession by court order from my divorce, I should be exempt from its negative impact because it was legally out of my control. see pages 5, and 6 from attachment.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

See attached letter. 5 hard inquiries that were previously deleted from my Equifax report were REINSERTED on my credit report sometime between XX/XX/XXXX and XX/XX/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 2024-08-15
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. (NY)

Hello, my name is XXXX XXXX, and l 've noticed this problem on my credit report in XX/XX/2024. XXXX am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I was hoping that you can delete these items that are listed below. I need to get my house loan to be approved as soon as possible. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (IL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

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.