davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (FL)

TODAYS DATE : XX/XX/XXXX ALLIED COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ALLIED COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-16
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. (GA)

In XXXX I paid off two accounts that had never been late. As a result, Equifax decreased my credit score by 62 points while XXXX  and XXXX  only decreased by 6 points. This negative impact by being a good consumer made it difficult for me to get a good interest rate on a major purchase for my business. It is difficult to understand as a consumer why there is such a huge disparity in the adjustments. If the ideology is for consumers to maintain good credit and pay off your debt, why are you negatively impacted by doing so? For four years all payments were on time and subsequently the loan was paid off. However, we do not want you to be able to obtain new credit, a home, or other financial strength so we are going to negatively impact your score as a result! How does this make sense to consumers? It seems as if the real ideology is for Americans to stay in debt always keeping an account open. I think credit bureaus should be better monitored and reporting standards should be the same across all 3 bureaus. This is unfair and poorly regulated.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-11
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. (TX)

accordance with the fair credit reporting act XXXX Account xxxxxxxx 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.
Consumer complaint received 2022-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$1100.00} XXXX # XXXX XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$99.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX XXXX XXXXXXXX, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal law.
Consumer complaint received 2022-09-11
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: Paramount Recovery Systems, L.P. (PA)

I have notified XXXX in regard to the paramount account resulting from identity theft since the beginning of XXXX. I previously filed a complaint with the consumer financial protection bureau against XXXX  and paramount recovery in which paramount stated that they have closed that fraudulent account and requested it to be removed. I am filing a new complaint because both transition are violating my rights under the fair credit reporting act. This account with the account # XXXX needs to be blocked and removed from my credit report. This is my last attempt before I file a lawsuit against XXXX to pay for all the financial damages this ongoing problem has caused. 


Due to FCRA 605B ( 15 U.S.C. 1681c-2 ) - Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

due to 15 U.S. Code 6802, 1681a, and 1681o - Me being the consumer has stated previously that this account is a result of identity theft therefore I was never given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. This account is in violations of both 15 U.S. Code 6802 and 1681a and it needs to be removed or because of 15 U.S Code 1681o I will have the right to sue for the financial damages that these violations have caused. 

Due to 15 USC 1681 section 604 A Section 2 : - It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2022, XXXX XXXX XXXX, US DEPT ED, DPT EDXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX XXXX US DEPT EDXXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I have contacted Account Resolution Services numerous times concerning an alleged debt that they have reported as mine that I do not believe I owe. My legal counsel has also contacted them to request verification and documentation of the debt. However, they have tried to stone wall everyone and refuse to provide any verification other than to simply say it is owed. They are required by law to verify and document any debt and they refuse. They will not provide the name and contact info for the original creditor. 
Their actions and conduct violate numerous state and federal laws relating to debt collection. They are also in violation of XXXX.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a current victim of identity theft. FTC report number XXXX. TransUnion, XXXX, and XXXX continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.
Consumer complaint received 2021-02-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

My student loan was in forbearance yet Navient still gave me a late on my credit report. This has impacted my credit score very negatively. I am currently on XXXX and unemployed as a result of the global pandemic. I let Navient know and they wont remove late. I have given them documentation that i was in forbearance at the time of the late and also provided them XXXX information. They are rude and refuse to help. It is my understanding that Navient should not be collecting or penalizing borrowers until at least XX/XX/2021 yet they will not stop harassing me. This loan stresses me out and I XXXX XXXX over it. It elevates my XXXX  and makes me feel helpless. 
Thank you.
Consumer complaint received 2022-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Atlanticus Services Corporation (MS)

Emerge has been billing me for years! charging me 29 Percent interest on a now balance of XXXX I filed bankruptcy in 2009 and this account was closed! 
When I finally asked them what account is this for that I keep paying you for, they could not tell me!! 
Also, when I offered to pay off the balance with a credit card check that I received with 0 percent interest, they said I could NOT do that! which raised a red flag to me that this was not a legitimate company. 
Can you please reconcile this matter for me as I am NOT going to pay them anymore money but I have perfect credit right now and do not want this to effect my credit score or credit report! 
Thank YOU very much for Your Help XXXX XXXX
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I went to a gas station to fill up my pump, I was charged {$150.00} for filling up XXXX gallons of gas ( XXXX XXXX XXXX ). However, I drive a XXXX XXXX XXXX that has a maximum tank capacity of 14.5 gallon according to XXXX 's owner manual. So, this clearly shows that my tank does not have the capacity to fill up XXXX gallons of gas. Moreover, the gas pump did not fill up my tank at all and it was sitting at the previous level ( less than 1/4 of my tank ). I tried to talk to the store manager about the skimmer device and she didn't take my saying and suspect me of stealing gas. Then, I filed a fraud dispute with Chase and Chase didn't help me solve the issue.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ASSOCIATED MORTGAGE BANKERS IN (NY)

I bought a car using Associated Bank for Financing in XXXX  2021, I made a payment in XXXX, unfortunately the car was in an accident in XXXX, I Called Associated Bank immediately, I asked if I needed to make XXXX payment, they said no as long as the insurance company pays them off in 10 days, I called XXXX and got an email from XXXX that the loan was paid, in early XXXX I got a letter stating there was a gap in what the insurance paid and what was owed, I made a payment that day, made a payment in XXXX, and paid off the Account in XX/XX/XXXX, I received a 30 day delinquent notice to all XXXX credit bureaus -this was reported falsely!!! I need this removed from my credit ASAP, Thank you
Consumer complaint received 2022-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I attempted to make a {$3700.00} Cashier 's Check deposit to my Bank of America personal savings account by visiting a local branch of theirs here in XXXX, TN on Wednesday, XX/XX/XXXX. The check was drawn from XXXX XXXX  here in XXXX, as part of a withdrawal also occurring on XX/XX/XXXX. XXXX at XXXX XXXX  stated to myself in person at the branch located on XXXX XXXX XXXX, XXXX TN that the check had been paid, and also proceeded to give me written documentation to that effect. 

Upon arriving at the Bank of America branch on XXXX XXXX here in XXXX this morning ( XX/XX/XXXX ) I had it confirmed that the email that Bank of America sent me indicating a hold on the funds of {$3700.00} until XX/XX/XXXX XXXX was indeed correct. The manager at that location said quote " I'm just a little pebble on the sand and I can not help you. '' However, she did give me written confirmation indicating this new portion of my account 's funds as included in the grand total column, that column being labelled " Available Funds. '' Upon further investigation, however, these funds will not be available to me for withdrawal until the stated time of XX/XX/XXXX. The customer service representative with Bank of America I spoke with this morning ( XX/XX/XXXX ) accused me of fraudulent activity and said " this check has a hold on it because of fraud. '' Unfortunately for her, there is no evidence of fraud on my part or on the part of XXXX XXXX. The only evidence for fraudulent activity appears to rest with Bank of America. Therefore, the Bank has until close of business local XXXX time on XX/XX/XXXX today to return these funds to me. If the Bank of America officials refuse to comply with this deadline, I will bring this matter to the attention of other law enforcement agencies at either the local, state, or federal levels ( where applicable ) for possible criminal prosecution to the fullest extent of the law. I need these funds to pay for living expenses when I return to XXXX, Arizona, on XX/XX/XXXX, and I find this behavior on the part of Bank of America to be unethical as well as possibly illegal. That is all at this time.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

2 years ago I purchased XXXX in my apartment complex and paid for the installation fee and all fees that applied. My apartment complex notified me shortly after we could not have a dish in my location and I was unaware. I called XXXX and explained the situation and at the time they were very understanding and I had a XXXX balance. I turned in all boxes and remotes and got XXXX cable shortly after. Come to find out this collection on my credit report shows up recently 2 years after and they said it was from XXXX. I explained the situation and they said rudely we dont care just pay your bills. Very unprofessional and I just couldnt believe 2 years later they are being this unprofessional when I truly wanted the service but was unable to carry them on my property. This was never about paying a bill. They charged me XXXX for an early cancellation fee even though they assured me this wouldnt happen. 
Solution- I would like this false charge removed from my credit report immediately and for them to conduct good business. This is definitely an unfair charge
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC (AZ)

I had been tricked with a car from XXXX, I was taken advantage of. We had the car repossessed so the car was sold at an auction. The problem was that I was owed some money after the auction by XXXX around {$1600.00}. I made payment arrangements to pay that. I was agreed with {$600.00} off the remaining amount owed to XXXX because of tax exception. So I did the payments to XXXX every month until it was resolved. When I log onto the portal I see that the account was paid in full from XXXX  account portal so my not understanding is why there is a debt collection called the Constar Financial Service, LLC sent me a letter saying that I owe them {$420.00} when this account was already paid. I was agreed upon not paying the tax from XXXX. This is full on XXXX I am not contacting them because they will record and cheat to make it look like I owe the debt when its already resolved. I am not writing to them because they would do the same. This has happened to me before, I dont trust these collection people cheating tactics by making me verify myself. I dont own the car so why should I keep being making payments. I just had my job loss from a laid off and Im waiting to be working again. This is XXXX it is unfair and its terrible practice.
Consumer complaint received 2019-12-04
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. (IL)

I have never opened any account and inquiries which I listed in identity Theft. Please remove all negative information which do not belong to me. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!