davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (MO)

Began " Credit Repair '' services with Lexington Lawfirm, their Premium package, for {$120.00} USD Monthly since XX/XX/2021. Downloaded their app, filled out their questionnaire on ways to repair my credit. Their reps and documents would emphasize that the repair process would take time to see any results, and I accepted this as fact blindly. I allowed the service to continue for 3 years. Over time, I'd miss other payments in order to continue paying for their repair services. Every 3 months or so, I'd see notifications of letters being sent on my behalf. I'd receive letters from the XXXX major credit unions statins how the XXXX negative items on my record are " Fair and accurate ''. I would receive XXXX correspondence from this 'Law service ' on how to improve my 'case '. Often I'd go in their app, refill out the questionnaire again like it was wiped or deleted with no indication how the attempt failed. I eventually tried different options hoping for different results, and the same process would occur - more notifications of letters being sent on my behalf, no communications as to what's happening, and letters sent to me from the bureaus stating how the information of my record was " Fair and accurate ''. Over XXXX letters were sent, over XXXX challenges sent, and none of my negative items had changed. When I would call Lexington Law to ask XXXXWhat should I be doing ' or 'what else should I be doing ', their 'paralegals ' would state that they are not authorized to give law advice on what I should do other than to take my questionnaire answers as cited. When I would ask to speak with some form of attorney, I was told I couldn't do that ( despite the name of their company giving the impression I was paying for legal representation ). 

I called Lexington Lawfirm today ( XX/XX/XXXX ) where XXXX respnded and asked how he could help. I asked him to pull up my case and to please explain a summary of my case, where it stands, and the statistics behind it. XXXX furnished the statistics cited above - over XXXX letters were sent, over XXXX challenges sent, and none of my negative items had changed. I asked again wha I should do to see progress on the case, and was met again with " I can't give law advice '', so I asked to cancel my subscription, and for compensation on XXXX results. 

XXXX cancelled my subscription and my case citing I have access to the Lexington Lawfirm app for 60 days for any files needed, and then elevated me to an attorney about my compensation. 

The attorney who answered was XXXX XXXX in XXXX, AZ. When I explained how I felt deceived by a service claiming " XXXX '' in their title and having absolutely no communication on my 'case ' on how to progress forward, I asked for at least half of my payments back given no results were achieved. She has assured that at least half of my subscription will be returned within the next XXXX business days.
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NJ)

XXXX XXXX has billed me for three consecutive months. With an amount of XXXX, XXXX, and XXXX which I do not owe. I have never heard of this organization, nor have I ever been involved in any way. These are utility bills for properties located in North Carolina. I own nothing in North Carolina and currently reside in New Jersey.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (TX)

To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not only is it illegal for a 3rd party collection agency to even reach out to me to pay an old debt, the information is 100 % false! - inaccurate. I never gave anyone my written consent for anything.i DONT NOT OWE THEM!! NOT ONLY THAT WHY ARE CLOSE ACCOUNTS STILLS HOWING UP? I have no clue who that is. I WASNT EVEN IN SCHOOL ANY OF THOSE YEARS. I DEMAND YOU ALL TO DELETE THAT. 



I am demanding that both of these accounts be updated to paid as agreed and Never Late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

My name is wrong!!!!! I also want to know where the fake names originated from. That is a lot of violations. There are XXXX name violations that are inaccurate as well!!!! No
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX reported that I owe a balance of {$750.00} to XXXX  XXXX XXXX. I would like to bring to your attention that this information is incorrect. The balance in question has already been paid off, and I have documentation to support this fact. 

Enclosed you will find the billing statement from XXXX  XXXX Showing a XXXX XXXX. 


Thanks
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I logged on to the website to manage my account online. The website would not allow me to sign up for account alerts. This company never sends me paper or electronic bills. I need to be able to see my account. I called to get help from customer service regarding this and they refused to help me. I asked to speak to a supervisor and they left me on hold or hang up on me. I have called several times today. I have let them know that I have no other options but to file this complaint.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

On behalf of XXXX XXXX XXXX, Goldman Sachs Group Inc. uses it's " Marcus '' brand to service XXXX XXXX XXXX 's consumer credit cards. I have a XXXX XXXX XXXX credit card. My complaints are as follows : -received debt/collection total calls from Marcus in a 7 day period greater than is allowed by US law -received calls from Marcus the next day after speaking them about my account. The law says they can't call within 7 days after having already spoken to me about it. 
-Marcus called me on and about XXXX XXXX  and XXXX XXXX -Marcus did not properly identify themselves or provide confirmation when prompted. That is, I wanted to confirm it was my card servicer calling and not just some scammer asking for money -Marcus disenrolled me from auto-pay without permission and notice- which caused me to miss my payment. Hence the reason i fell behind. 

Goldman Sachs Group Inc. and/or XXXX XXXX XXXX disenrolled me from auto pay, caused me to go into arrears, then badgered me over a holiday weekend for debt caused by their improper conduct.
Consumer complaint received 2024-05-24
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)

The account in question was sent to 3rd party collections in XXXX XXXX XXXX XXXX and was dissolved, all credit reporting agencies have removed this account except Experian. This account needs to be removed immediately. XXXX XXXX loan account XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, XXXX XXXX XXXX XXXX reported that I owe a balance of {$750.00} to XXXX  XXXX XXXX. I would like to bring to your attention that this information is incorrect. The balance in question has already been paid off, and I have documentation to support this fact. 

Enclosed you will find the billing statement from XXXX  XXXX Showing a XXXX XXXX. 


Thanks
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: REGIONS FINANCIAL CORPORATION (TX)

The accounts in question were sent to 3rd party collections in XXXX XXXX XXXX XXXX XXXX and was dissolved in XXXX, all credit reporting agencies have removed this account except XXXX. This account needs to be removed immediately. XXXX XXXX loan account XXXX and XXXX regions bank credit cards that have been modified as part of updates through XXXX and just increased the length of time, change of balance amounts and a lot more? These XXXX accounts were managed by XXXX XXXX XXXX while at XXXX XXXX XXXX XXXX and have since been removed from XXXX, XXXX and XXXX XXXX XXXX XXXX databases but still lingers on at XXXX? I have provided all original creditors with the Reference ID provided by XXXX and they just brushed it off as part of an ongoing investigation that does not require and investigation? Please reach out to these people and creditors alike and see what they will say to you.
Consumer complaint received 2024-01-30
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. (MO)

Experian sends all these notifications to view your disputes but you really can't To anyone reading this, EXPERIAN DOSE THIS ON PURPOSE TO USE AGAINST YOU IN COURT BY SAYING THEY KEPT IN CONTACT AND HELPED YOU, WE ALL KNOW THIS IS A LIE AND WE KNOW THEE PERSON YOUR SPEAKING TO CANT HELP YOU WHAT SO EVER EXCEPT FOR SAY " ESCALATION '' WHICH MEANS ABSOLUTELY NOTHING, DONT FALL FOR THIS TRICK AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-01-30
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. (MO)

Experian closed this account with again one of the longest explanations that again are ridiculous THIS PREDATORY COMPANY STEALS PEOPLE 'S HISTORY FOR PROFIT As requested FORWARDED TO THE F.T.C.AND D.O.J
Consumer complaint received 2024-01-30
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. (CA)

Never provided evidence never comply with instructions when presented with laws to prevent misconduct ignores identity theft reports and police reports XXXX right to block fraudulent information 90 day or more of violations causing unnecessary damage to my life and ability to obtaining credit to pay my needs
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2022 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Recovery Systems, Inc. (OH)

I received a voicemail today from a debt collector claiming they were the XXXX XXXX XXXX XXXX XXXX. I looked up the phone number and its registered to Capital Recovery Systems Inc. I have no idea if these people are legit or not, they dont give you an option to view any information regarding your specific debt, nothing stating what the debt is, just a payment form. I have the voicemail saved which has them identifying themselves as the XXXX XXXXXXXX XXXX XXXX XXXX Ive never received ANYTHING from this company which provides information regarding the supposed debt. I dont have an account number, amount due or even the original debt holders information. It seems very suspicious, if the debt is legitimate they should be able to provide specific details.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Radius Global Solutions LLC (TX)

The accounts in question were sent to XXXX party collections in XXXX Radius Global Solutions LLC and was dissolved in XXXX, all credit reporting agencies have removed this account except XXXX. This account needs to be removed immediately. XXXX XXXXXXXX XXXX XXXX XXXX and XXXX regions bank credit cards that have been modified as part of updates through XXXX and just increased the length of time, change of balance amounts and a lot more? These XXXX accounts were managed by XXXX XXXX XXXX while at Radius Global Solutions LLC and have since been removed from XXXX, XXXX and Radius Global Solutions LLC databases but still lingers on at XXXX? I have provided all original creditors with the Reference ID provided by XXXX and they just brushed it off as part of an ongoing investigation that does not require and investigation? Please reach out to these people and creditors alike and see what they will say to you.
Consumer complaint received 2023-10-30
Product: Credit reporting 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. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous fraudulent hard inquiries on my credit report that were not authorized by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the unauthorized fraudulent hard inquiries from my credit report as soon as possible. 





Also I have supporting Documents to include with this complaint ( the fraud report i filed, my drivers license, and my social security card ) but the upload portal on the complaint page is not working. I will be contacting you tomorrow to get you all of the supporting documents that i have to support my complaint.
Consumer complaint received 2023-10-30
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}.
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-05
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: EQUIFAX, INC. (SC)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

I moved out of XXXX XXXX XXXX XXXX, located in XXXX, VA, on XX/XX/2023. 

On XX/XX/2023, I visited XXXXXXXX XXXX XXXX to inquire about a package that may have been mistakenly sent to my old address. The leasing office staff said they would look out for it. The same day, I received an email from XXXX XXXX XXXX  stating I owed approximately {$2000.00} to the property ( in excess of the {$800.00} security deposit they had ). The email also stated that they sent written notification of the same, which is untrue. The written notification was not postmarked until XX/XX/2023. 

The Code of Virginia ( section 55.1-1226 ) establishes timeframes for landlords to notify tenants of debt and try to collect. Even reading the statute in favor of the landlord, the longest amount of time a landlord can take before notifying a former tenant of debt is 45 days. I was not informed within that timeframe. I was not contacted until I reached out to the property for something unrelated. 

On XX/XX/XXXX, the property reached out to me again, and I stated the requirements as in the Code of Virginia, stated I would not be paying the alleged debt, and asked for my security deposit back. Instead of following the requirements in the Code of Virginia, they turned the information over to a debt collector, who has now reported the debt on my credit report.
Consumer complaint received 2024-05-25
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. (TX)

This account has been disputed several times and with all the investigations and understanding of the FCRA then anyone in the line of work should know that an item should stop reporting and be removed after 7 years from the first date of delinquency, what happened through updates and ongoing non investigation is that the time of delinquency was scrubbed, removed and extended the length of time as if this never occurred? Please remove this account immediately to remain compliant of FCRA account XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I tried applying for student house but was denied due to my credit score, I came to find out I had two fraudulent credit cards under my name. One was Portfolio RECOV ASSOC account number XXXX. I got this from XXXX The original creditor is XXXX with a total of {$1200.00}.
Consumer complaint received 2023-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX