davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
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. (MS)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has 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 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 2023-04-06
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harvard Collections, LLC (GA)

I am not liable for this debt with the Illinois Department of Human Services. I do not have an account or contract with the Illinois Department of Human Services. I do not have an account or contract with Harvard collections. 

Harvard Collections Sent this account to collections XXXX XXXX with the following information : Account name HARVARD COLLECTION Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1200.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Original creditor IL DEPARTMENT OF HUMAN SERVICE I disputed the account via XXXX, and it was removed from my credit report. 
The account was reported again in XX/XX/XXXX with the following information : Account info Account name HARVARD COLLECTION Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Original creditor IL DEPARTMENT OF HUMAN SERVICE The first time this was sent to collections it states that the Date opened is XX/XX/XXXX. The second time it is sent to collections it states that the Date opened is XX/XX/XXXX. 

Again, this is not an account that is associated with me, and I have had no contact or correspondence with Harvard Collections. This has caused my credit score to drop significantly, negatively affecting my financial health. I would like a permanent resolution to this matter.
Consumer complaint received 2023-09-08
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-12
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. (AR)

I am writing to formally address the ongoing issue regarding late open account on my credit report and express my frustration with the multiple unsuccessful attempts to have them corrected. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open account on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify this issue. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct this inaccuracy, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open account from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address these matters. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$2000.00}.
Consumer complaint received 2023-04-29
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: Nelnet, Inc. (PA)

I just checked my credit report and XXXX and XXXX is reporting student loan with Nelnet in the amount of {$30000.00} on my report as being past due on XXXX in XXXX as 120 days, nothing. On my XXXX report it states in that same time frame in XXXX I am 90 days late, This is incorrect. 

In accordance with the 15 U.S. Code 1679c this agency is reporting incorrect information to the credit agencies which in turn is dropping my credit score. Please remove this incorrect information off my credit report.
Consumer complaint received 2023-09-08
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)

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 1

5 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is a follow up to complaint from XX/XX/2023. 
# XXXX I removed the accounts that were deleted from the prior investigation. I AM FORMALLY REQUESTING A RE-INVESTIGATION INTO THE BELOW LISTED ACCOUNTS. PLEASE DELETE ALL LISTED ACCOUNTS BECAUSE THEY ARE INACCURATE AND DO NOT BELONG TO ME. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX PH NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX DEAR EQUIFAX, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I have no knowledge of these accounts. The following accounts are negatively affecting my credit rating and file. Please delete the listed items from my personal credit file. These accounts are fraudulent and I am requesting all be removed immediately. 

This letter serves as my official request to have the aforementioned item to be deleted off my credit report, please remove the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once your investigation has been completed, please notify me by mail to the above address listed. 

Thank you XXXX XXXX
Consumer complaint received 2023-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Johnson Mark LLC (UT)

my bank account was seized, i just turned XXXX XXXX XXXX on XXXX XX/XX/XXXX, i called the company XXXXXXXX XXXX today ( sat XXXX XX/XX/XXXX ) they said that i have to call on Monday again i went to XXXX and i have a lot of collections on my credit report, the credit report says that i was born on XXXX,
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Re : Complaint Regarding Wage Garnishment and Unauthorized Withdrawal by XXXX XXXX XXXX, XXXX on Behalf of Midland Credit Management , Inc . 

Dear Sir/Madam, I hope this letter finds you in good health. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter of great concern regarding an ongoing issue with XXXX XXXX XXXX, XXXX and Midland Credit Management , Inc . 

I reside at XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and my contact number is XXXX. Recently, I have experienced significant financial distress due to an unauthorized wage garnishment initiated by XXXX XXXX XXXX  XXXX on behalf of Midland Credit Management , Inc . This matter has caused undue hardship for me, as I do not owe any money to any company or entity associated with this garnishment. 

Here are the details of the situation : XXXX XXXX : Cause No. : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Withdrawn : {$3600.00} Legal Order Debit Contact : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Case # : XXXX I would like to emphasize that I have never had any dealings with Midland Credit Management , Inc. and have never incurred any debt with them or any other company. It appears that there has been a grave error or misunderstanding in this matter, leading to an unjust wage garnishment and unauthorized withdrawal from my bank account. 

I kindly request your assistance in investigating this matter and facilitating the return of the wrongfully withdrawn funds to my account. Additionally, I seek your intervention to ensure that XXXX XXXX XXXX XXXXXXXX and Midland Credit Management , Inc. cease any further actions related to this erroneous garnishment. 

Please find enclosed copies of relevant documents, including bank statements, withdrawal records, and any other documentation that may aid in your investigation. I am more than willing to cooperate fully and provide any further information required to resolve this issue promptly. 

I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers ' rights, and I humbly request your assistance in resolving this distressing situation. I look forward to a prompt and satisfactory resolution of this matter. 

Thank you for your attention to this urgent matter. I can be reached at the phone number provided above, and I am available to provide any additional information as needed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

there's an account reporting on my consumer report with the amount of {$1600.00}. 
Date open XX/XX/XXXX. Last reported XX/XX/XXXX. This notice is to inform you that the buraus unlawfully reported an unauthorized account in my consumer report. Under the consumer law 15U.S.C 1681 ( b )
Consumer complaint received 2022-10-25
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 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 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I have been having issues with my student loan lender, Mohela. On XX/XX/XXXX of XXXX, I received an email from them stating that my account was placed into administrative forbearance between XX/XX/XXXX to XX/XX/XXXX. They defined this as I was not required to make any payments during this time ; payments that were made could be either applied to future payments or be refunded. On XX/XX/XXXX, I called to see if this could be applied to my XXXX payment to which I was told this was not possible since I had called the day payment was due ( I ended up paying the full amount for XX/XX/XXXX ). However, I was confirmed by the agent that I could use this to fully cover my XXXX payment and to partially cover my XXXX. In XXXX I received correspondencethat I was late on my payment, which was confusing because I had previously confirmedwith an agent that what was paid during the administrativeforbearancewould be applied to said payments. I called again and was told that this would be corrected. It is now XXXX and this has yetto be resolved. I've been attempting to call them multiple times today which led to no answers due to being put on hold over and over. My final call resulted in briefly speaking to an agent in which she said she would connect me with the appropriate department. After waiting over an hour on hold, the system directs me to a survey of their services. My issue has not been resolved and I've attempted to contact the lender multiple times to do so when it is their fault I am in this predicament. As most people, I have limited availability during which I can call them to resolve this. I'm not sure what else to do other than continue calling and file this complaint. Any insight would be greatly appreciated.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In 2020 I disputed incorrect names and or address that appeared on my credit report with XXXX, Transunion and XXXX while I was in the process of a home purchase. After careful review of my personal information it appears that XXXX has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove it
Consumer complaint received 2024-03-12
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. (SC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX. I've checked my credit report and I'm studying my consumer rights. I've spotted an issue with account number ending in : XXXX from XXXX XXXX. There's a {$0.00} balance with a 60-day late payment, and this violates my rights under the credit reporting act.

According to 15 USC 1681 Section 602, I have the right to privacy.

In 15 USC 1681 Section 604A, Section 2, it's stated that a consumer reporting agency can't provide an account without my written instructions.

Also, per 15 USC 166B, a creditor can't label a payment on a credit card account as late for any reason under an open-end consumer credit plan.
Consumer complaint received 2023-09-08
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

On XX/XX/23, I mailed a letter to the reporting agencies to remove names and addresses that I was never associated with. On XX/XX/23, I mailed out the same letter. As consumer I know my rights and would like a resolution.