davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (AR)

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. 
XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX 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 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I have been working full-time for the XXXX XXXX XXXX since XX/XX/XXXX as a young single mother. Due to my low pay, I went back to school hoping to better my situation and took out more loans to do so. I started school in XXXX and had already had some loans from when I was in college in the late XXXX XXXX. While working full-time, I also went to school full-time and obtained XXXX degrees. First an AS. At the time of graduation from my 1st degree, I was pregnant with my second child. Then, I went back to school for my 2nd degree. XXXX  My issue lies in that every time I called XXXX XXXX ( now Navient ) when I couldn't make my student loan payments, they would suggest a hardship forbearance or some type of deferment. These had to be documented so they saw my 'XXXX XXXX XXXX  XXXX paystubs with my state 's seal and not once suggested or offered me IDR until years later. Nor did they tell me this time wouldn't count towards PSLF, a program that really motivated me to stay working in public service as I didn't stand much of a chance of being able to pay them off. I had sent a number of applications for PSLF over the years but I never heard back until XXXX when my loans were finally transferred to XXXX XXXX from Navient. I had no idea until then that there are literal years missing from my payment counts. Despite working for nearly 17 years for the XXXX XXXX XXXX, the last count showed I had just 44 eligible payments suggesting I'd need to work another 7 MORE years in public service to have my loans forgiven. That's about when I'd be due to retire... ( I'll have been working for the state for 23 years at that point ) I don't see how that's fair. I was a victim of XXXX XXXX just like everyone else. Sadly the waiver is not even addressing people like me who have to pay another 7 years for their mess. Please help. When the XXXX  was offered to me, I was eligible for {$0.00} XXXX which is the real crime. All of those years ' {$0.00} payments would have counted if they weren't trying to balloon my balance to collect a higher payment from the federal government for servicing my loans.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CO)

I have filed 3 different complaints. I still have no resolution. I have written letters and gotten no reply, called and can not get through on any phone number given and now have submitted 3 different complaints with no direct answer. This company uses stalling tactics. They now are stating that they will only contact me via mail. To date since early this year I have not received anything in the mail from the company stating they will or will not accept the offer I sent prior months ago. When will an offer be sent from Midland Credit? Midland Credit pays pennies on the dollar from the 2 creditors, XXXX XXXX and XXXX XXXX. An answer is needed if an offer will be sent and when or if no an offer will not be sent and the debt will not be reduced. I just want a simple answer, I am unsure as to why this is so difficult. I am trying to pay this but at a reduced amount or a payment plan.
Consumer complaint received 2022-02-21
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. (OH)

I have XXXX accounts that are showing charged off. These accounts are not mine and are a result of identity theft police report attached. A report was sent XXXX XX/XX/2020 report number from experian it has been a back and forth battle and to no eval it has not been settled. Accounts that need to be deleted off my consumer report are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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: ProCollect, Inc. (TX)

In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-11
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (WA)

I opened my savings account on XX/XX/2019 in branch in XXXX. The new account bonus for the savings account was for {$200.00} if you deposit $ XXXX  in new money into the account and keep the money for 90 days. At the time of opening, the agent said I can deposit {$100.00} as the minimum opening account balance and then move in $ XXXX. I have met all the terms, and now its been 5 months and I still have not gotten the {$200.00} bonus.
Consumer complaint received 2022-12-03
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. (MI)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy .

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately. 

Inquires listed : 1. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-06-11
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 — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc. (MT)

In XXXX Davenmuehle mortgage company inaccurately reported a 90 day late payment on our mortgage. I have called them countless times to have it removed. Now we are trying to qualify for a new home loan, and we cant qualify because this is still on our credit report. The loan number is XXXX.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states I have a right to privacy .

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$520.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC (FL)

I have more than enough reasons to believe my infromation and identity have been compromised and, or stoIen. Today on XX/XX/XXXX, I checked my credit report on XXXX XXXX this morning and found an open collection for {$3900.00} from Omega RMS! My heart DROPPED when I saw this so I requested reports from all three major bureaus. It has only showed up on my XXXX  report at the time of writing this. I also recently discovered my info was involved in at least 4 security breaches in the last 4 years, including the XXXX  breach of XXXX. I must also mention that my bank debit card and account info was breached earlier this year around XXXX.The thieves purchased 3 items totaling {$200.00} and I was forced to change all my information, including have another card shipped to me. Because of these facts, amongst other unfamiliar or inaccurate inquiries on my credit reports, I had no choice but to place a fraud alrert for all three bureaus. This collection account was opened XX/XX/XXXX. I dont think these time frames are coincidences! My next steps will be placing security freezes on my credit and possibly filing a police report. The original creditior on the account is named " XXXX XXXX XXXX. '' I have never heard of either of these companies and there isnt much info on the internet about them. I have never purchased anything nor previously interacted with either of these companies and I definitely DO NOT owe almost {$4000.00} to anyone for any type of product or service. It sounds like a scam! I am just a young man trying to rebuild his credit and this new fraudulent collection on my report has devestated my XXXX score!!! My credit was in good standing before this fraudulent collection account showed up ... This will greatly hinder my ongoing credit journey. I need this DELETED from my XXXX report first, then before it shows up on the other two major bureau reports and devestates my score even more, I need Omega RMS to contact both other credit bureaus : XXXX and XXXX, and demand that they be deleted.
Consumer complaint received 2021-06-11
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. (CO)

Multiple disputes for error on Bankruptcy date. Multiple requests under the Fair Credit Reporting Act for a copy of the document they are using which have been ignored. I believe I have a right to the proof of the reported information other than an electronic verification. I clearly requested this and Experian refuses to provide the proof.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX and XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

UPON REVIEWING MY CREDIT REPORT I HAVE NOTICED INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE INQUIRIES DO NOT BELONG TO ME. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 ).
Consumer complaint received 2024-02-13
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)

I have been contacting Experian about some accounts on my credit report that do not belong to me. I was told by XXXX that my confidential information was leaked during their data breach and that the accounts were a result of identity theft. I have sent Experian my letters with an FTC report documenting the data breach and fraudulent accounts and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that the accounts are not mine because i did not receive any goods or services from those creditors and the creation of these accounts was not authorized by me. Experian is the type of corporation that is making money off of minority groups like myself by continuing to report inaccurate information. These inaccurate accounts are detrimental to my credit health and make my finances take a toll for me and my family. Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and Experian is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. IF THIS INACCURATE REPORTING IS NOT FIXED I WILL NO OTHER CHOICE THAN TO PURSUE LEGAL ACTION AGAINST EXPERIAN! I beg you to please remove these inaccurate accounts!
Consumer complaint received 2024-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MA)

I keep writing to bring to their attention a serious matter related to my consumer rights, which, I believe, their company has breached. The particular rights in question pertain to the validation and reporting of that debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. However, their organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, I have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been disputing this inaccurate account months and filed several CFPB complaint, but Transunion never want remove it from my credit report. This account have been reporting XXXX days late XXXX times in a row for XX/XX/XXXX, XXXX. This account also been reporting XXXX days late XXXX times in a row for XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2019-07-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90  days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.