davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (CA)

I opened personal account with XXXX phone services in XXXX of XXXX. Closed account in XXXX of XXXX. It went to collections and I wrote a couple letters and called to clarify the account was closed and I just found out it went on my credit report in XXXX XXXX. 
Account Name Account Type Account Marks Past Due Reported On 1. 
XXXX XXXX XXXX Charge off Learn More {$240.00} XXXX. XXXX, XXXX From what I understand this ALDOUS company has many complaints of false billing and credit reporting. 

My credit was excellent until this false collection was filed and I would like to have it removed. Thank you for your time and please let me know how I can have this false charge removed?
Consumer complaint received 2017-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX...
Consumer complaint received 2017-11-08
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. (TX)

Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX, Transunion, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (NY)

I disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (CO)

On XXXX/XXXX/XXXX I paid a collection account in full with the agency ( XXXX # XXXX XXXX. I faxed documentation in the form of a receipt on XXXX/XXXX/XXXX to XXXX in order to update my credit file. I was advised that the receipt and review would take 48-72 hours. Upon learning on XXXX/XXXX/XXXX that this information still was n't received or reviewed, I faxed it again on XXXX/XXXX/XXXX to the same fax # and to XXXX XXXX at XXXX. XXXX provided a formal paid in full letter on XXXX/XXXX/XXXX and I faxed this to the dispute fax # and XXXX XXXX on this same date. On XXXX/XXXX/XXXX my file was finally updated to a {$0.00} balance for the XXXX account but still indicated an open status. The rep advised that they would need to dispute this status and submitted it for investigation. On XXXX/XXXX/XXXX XXXX sent Equifax notification indicating that the account was indeed closed. On XXXX/XXXX/XXXX a supervisor, XXXX  ', indicated that they received the updated info on XXXX/XXXX/XXXX but that Equifax has 30 days to close an investigation. I asked how this makes sense when they have they have the documentation to update the status and he continued to parrot Equifax 's 30 day rule. He then cold transferred me to 'XXXX XXXX in Consumer Affairs who indicated the same thing and told me that 'I needed to wait '. I contacted a corporate switchboard operator that advised me to ask to speak to speak to a CA Manager and transferred me to the XXXX upon which time I asked to be transferred back to the U.S. I spoke with 'XXXX ' again who refused to transfer me to a Manager and stated, 'I 'm the highest level available '.
Consumer complaint received 2024-08-03
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-10-04
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. (IL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paramount Recovery Systems, L.P. (CA)

I recently pulled my XXXX credit report ( XXXX/XXXX/16 ) and noticed a collection account by : PARAMOUNT RECOVERY SYSTEMS, Date opened : XXXX/XXXX/16, Last updated : XXXX/XXXX/16. 

I do not know Paramount, nor have I been contacted by Paramount.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have a dismissed Chapter XXXX that has been removed from my XXXX and XXXX credit reports however, it is still reporting on my Equifax credit report. XX/XX/2016 the dismissed Chapter XXXX no longer reported on my XXXX and XXXX reports. I contacted Equifax and spoke with several representatives and a supervisor. The supervisor informed me I could call back XX/XX/XXXX/XX/XX/2016 to request the item to be removed as it would be closer to fall off date. When I called today XXXX/XXXX/2016 to request the item to be removed I was told it stays on report for 10 years. This is not was I was told earlier this year and it is not what the other credit bureaus are practicing. Any assistance you can provide is appreciated.
Consumer complaint received 2024-08-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TODAYS DATE XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAMXXXX XXXX XXXX XXXX  FINANCIAL ACCOUNT # : XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (TX)

Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXX, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: ITALBANK INTERNATIONAL, INC. (AZ)

The bank in concern is Italbank. On XXXX XX/XX/XXXX I have to inform my bank for permission to use my saving account debit card between XXXX to XX/XX/XXXX. And for the limit of {$200.00} per day ( every XXXX ) to be change an increase to $ XXXX to be use in Arizona. 

I only use my debit card on the same ATM machine that it is located at XXXX XXXX XXXX  my sister house in AZ. And a screen shot of my transaction can prove that. On multiple occasions I tried to use my debit card before the XXXX period, and the transaction were cancelled. I have emails in were Italbank state very clearly that I am not allowed to take more than {$500.00} per day. 

On XX/XX/XXXX I noticed that i have XXXX transactions made with my debit card ( all in cash ) on different states in XXXX although my card was still with me. All the transaction were made in less than XXXX hr, and in XXXX  between them. But the first one was done for only XXXX XXXX, even XXXX / XXXX XXXX or any legitimate bank transaction is made today with XXXX XXXX  or XXXX $ to avoid being confused and set as " scamming ''. 

I am adjunting the transactions : XX/XX/XXXX amount XXXX time : XXXX in XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX  XXXX XXXX XXXX XXXX XXXX ask to my bank for prove of pictures of the transactions and how the limit was bridge, multiple transaction was done for the same amount, and nothing was done to stop the scammers. The bank did ask me to do my own investigation, sent the formal complaint with them ( which i send on XX/XX/XXXX ). The bank did close my case without any complete investigation by them and now they don't respond to my concern that my money was robbed and all their " alerts '' did fail to stop it.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I received a written letter from XXXX XXXX, XXXX, regarding an account with XXXX XXXX. The written letter offered the option of " 1 payment of {$250.00} '' and that my account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$250.00} ( please see attached processed bank check ) and XXXX XXXX reported my account to Equifax as " Legally paid in full for less than the full balance ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " PAID/Settled in Full ''. I would have chosen pay the amount in full.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2017-09-09
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. (IN)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

My family 's mobile account was also hacked on XXXX XXXX, 2017 causing all our devices to be locked out from our access. This took 4 days to resolve and we had to cancel all credit cards that were tied to the account. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated a minimum of {$250.00} for their negligence and that something like this does not occur again.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was sold a Privacy Assist product from Bank of America. Upon a recent review of my account statement, I was still being billed. A quick internet search found that Bank of America had been fined for these practices and products. Per the CFPB website : " Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Bank of America ended the marketing and sales of credit protection products in XXXX XXXX, canceled all existing accounts as of XXXX XXXX, and provided six months of no-cost coverage to consumers enrolled as of XXXX XXXX. Bank of America stopped marketing the identity protection products in approximately XXXX XXXX. '' I had to call Bank of America to get them to stop. The agent that serviced my card was " unable to assist '' and attempted to transfer me to a different entity that would do so. That transfer failed. I found the correct service number and was able to cease service, however the agent had no knowledge of any prior action against Bank of America and informed me that a charge may still appear on my bill for XXXX XXXX. 
As a side note, while online with Bank of America, they offered a credit tracking service at no fee. Why is the company offering me a free product, while charging me for the same service at the same time?
Consumer complaint received 2024-08-03
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2017-12-29
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

XXXX XXXX XXXX 's XXXX XXXX at XXXX id # XXXX called my employer on multiple occasions after being told to stop, ex employers, ex husband, his mew wife, my choldren, family, coworkers, people i dont associate with, EVEN after being told by them to stop contacting them, they continue, my employer wrote me up for this and they wont stop