davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMCOL Systems, Inc. (TX)

On XX/XX/XXXX I was routinely checking my credit score on  XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted XXXX  and XXXX  to have the account removed. I have also contacted the company, Amcol, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting Amcol to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?
Consumer complaint received 2024-10-22
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL XXXX ACCOUNTS 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, states a consumer reporting agency can not furnish an account without 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, other than records of conviction and crimes which antedates the report by 7 years.

According to 15 U.S.C 1681 S-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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I 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, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX 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 if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I had a dispute open with Portfolio Recovery Associates regarding a XXXX XXXX Account. I wanted to know the validity of the debt b/c I had never entered an agreement with them, and was told that I owed this amount and it was due immediately. This dispute originated in early XX/XX/XXXX Over the next several months, I sent a total of three certified letters asking in different ways to provide me statements of this account so that I can see the accuracy of the amounts. Finally after waiting several months, I received a one page letter indicating the amount owed. I still have yet to receive any statements, but did receive a letter stating my dispute was closed, and now charged off. 
In my original dispute, I also asked not to be contacted by phone. They began calling a month into the dispute. I find it to be very distracting to my work, and personal life, and I would prefer a different method of contact. Over the past month (XX/XX/XXXX ) I have received numerous phone calls from Portfolio Recovery daily. They have completely disregarded simple requests, and made it very diificult to continue working with.
Consumer complaint received 2018-06-05
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. (IL)

This is not my account! This has been on my report since XX/XX/1997! It should have legal been removed after seven years. They keep changing dates to keep this in accurate information on my credit report
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Report Fraudulent Account with XXXX XXXX XXXX XXXX Dear EXPERIAN, I am writing to report an incident of identity theft and to dispute a fraudulent account that has been opened in my name. 
Personal Information Name : XXXX XXXX Address : XXXX XXXX XXXX Fraudulent Account Information Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX I did not open this account, nor did I authorize any transactions associated with it. I first learned of this fraudulent activity on XX/XX/year>. 
I have taken the following steps to address this issue : 1. I have filed a FTC REPORT XXXX NUMBER. 
2. I have contacted XXXX XXXX to report the fraudulent account. 
I request that you investigate this matter and remove the fraudulent account from my credit report. Additionally, please send me a confirmation once this account has been removed. 
Enclosed are copies of my identification and the police report for your reference. 
Thank you for your assistance in this matter. Please do not hesitate to contact me if you need any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I did not sign up for overdraft protection but I was charged an overdraft fee and my account went negative. This seems like deceptive practices at best. It was an automatic car insurance payment if that makes a difference. It feels not fair and the person on customer service was not willing to help me even after I explained I did not sign up for overdraft protection. I feel cheated.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On my account through XXXX XXXX XXXX there is record of payments being made from XX/XX/XXXX on time every month through XX/XX/XXXX. On my credit report it continues to state that I have not made a payment. I have asked them to fix this and they are saying its past due which is not the case per the record of payments posted on my account summary on their website.
Consumer complaint received 2018-06-05
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: EQUIFAX, INC. (VA)

To whom it may concern : I have throughly reviewed my credit report and I would like to inform of the inaccuracies it contains. I am requesting, under the provisions of the fair credit reporting act, 15 usc section 1681i, that you investigate these accounts. 

accounts for dispute : XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reason/nature : not mine, never had an account with this company I understand that failure to investigate these accounts within a period of 30 days will result in ''non verifiction '' which requires that the above accounts be immediately removed from my credit file. 
I also understand that the fair credit reporting act - specifically 15 usc sections 1681i ( d ) and 1681j - requires that I receive both written notification of the appropriate corrections and update credit reports at no charge.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

In XXXX XXXX XXXX sent me a letter stating within the next 30-45 the account would be removed. I sent in numerous letters to the credit agency and it has yet to be removed. They have yet to send any correspondence in reference to the account being removed.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (IL)

On XX/XX/XXXX, my roommate, XXXX XXXX XXXX, and I moved into an apartment together at XXXX XXXX XXXX  in XXXX XXXX, XXXX. I was only XXXX years old and my father had just passed away two weeks previous. My mother lived in XXXX  at the time. After I had been in this apartment for a while, I became rather depressed and wanted to go move in with my mother. XXXX and I inquired at the leasing office about taking me off the lease. They were agreeable to it and on XX/XX/XXXX we both signed to remove me from the lease and I left for XXXX shortly after that. I didn't keep in touch with XXXX XXXX after leaving XXXX but about XX/XX/XXXX I discovered I was included in the issues that the apartment complex had with XXXX XXXX that involved non-payment of rent, and an unapproved pet, and eventual eviction. 

None of these things happened while I was on the lease and living in that apartment. Yet, when the debt got turned over to a collection agency they included me in the complaint. This is not my debt and I am attaching two documents proving that I was in fact removed from the lease and that I left XXXX shortly after being taken off the lease via my plane ticket purchase from XXXX. 

I have contacted the apartment complex multiple times, and tried talking to the collection agency they turned it over to ( Advanced Collection Bur ). The collection agency insists with XXXX that this is in fact my debt even though I submitted evidence to the contrary. I don't understand why proof that I was removed from the lease is not enough for XXXX to take it off my credit history. I am also having the SAME problem with XXXX and XXXX. Every time I dispute it, Advanced Collection Bur comes back and claims it is valid, but they have no proof to back this up. I have proof it is invalid. How are they allowed to do this to me?
Consumer complaint received 2024-10-22
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. (MD)

This is my second attempt at removing inaccurate information from my consumer report. Please remove the address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX as I do not recognize nor have I ever lived there. I am attaching a copy of the Federal Trade Commission Identity Theft Report for the second time as requested. My FTC Report # is XXXX. Thank You for removing this address promptly.
Consumer complaint received 2024-10-21
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)

This is my second attempt at requesting information be removed on an account that is reporting inaccurately. The two late payments on XX/XX/year> and XX/XX/year> for XXXX XXXX account # XXXX were in fact " Paid On Time ''. It is to my understanding that consumer reporting agencies need to report all information with 100 % complete accuracy. This account has " Never Been Paid Late ''. I've attached a copy of my Consumer report for the following dates, XX/XX/year> and XX/XX/year>. Please update these payments to " Paid On Time '' or " No Information To Report '' immediately. Thank You for your prompt action. 

XXXX XXXX Account number : XXXX
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

In XX/XX/XXXXXXXX XXXX sent me a letter stating within the next 30-45 the account would be removed. I sent in numerous letters to the credit agency and it has yet to be removed. They have yet to send any correspondence in reference to the account being removed.
Consumer complaint received 2024-04-25
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)

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 XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts 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 ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2018-06-05
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: HCFS Healthcare Financial Services of TeamHealth (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX. amount {$380.00}.

XXXX XXXX Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address in XX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX at the number above and filed the dispute with XXXX  on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX Public records and my credit report demonstrates this. XXXX said the XXXX Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

XXXX XXXX refuses to accept my certification of employment to calculate the correct amount of payments I have made towards the PSLF program. I have given them everything they ask for and each time they send me a letter with a list of new " Missing Information. '' I have have sent in the form 4 times. The last time I even attached a letter with it telling them they can contact my employer to verify but each time they say for me to have my employer contact them.
Consumer complaint received 2023-09-28
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-10-21
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-10-21
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted XXXX XXXX  and requested for an extension of my XXXX auto loan payment in the amount of {$1100.00}. I was eventually granted approval of the request on XX/XX/year> ( See attached letter ). I was told to make a minimum payment of {$670.00} within 10 days from XX/XX/XXXX ( the date the agreement was incepted ), and the remaining {$360.00} will be due on XX/XX/year>. On XX/XX/XXXX, I received a text that my payment for {$670.00} was past due which was only 6 days within the allowed 10 days as agreed to. I contacted their call center and there was a huge language barrier and I kept requesting for a XXXX and got no where. I then hurriedly made the payment to remain compliant to the agreement. On XX/XX/XXXX, my XXXX credit reporting servicer notified me that I had received a late payment from a creditor. I logged in and noticed that XXXX had reported my XXXX auto payment which was not due until the XXXX and which they had approved an extension on the XXXX of XXXX was 30 days late. I contacted XXXX customer service on XX/XX/XXXX and once again experienced the same communication challenge. At this point I had satisficed the terms of the extension agreement including making the payment of {$360.00}. I was informed I could contact the credit reporting agencies directly which I did and only XXXX deleted the late. Both Experian and XXXX have refused to delete the late from my record.
Consumer complaint received 2024-10-21
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. (MS)

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.