davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX Allied Collection Se XXXX Allied Collection Se XXXX Allied Collection Se XXXX Allied Collection Se 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 Collection Se XXXX XXXX Collection XXXX XXXX Allied Collection Se XXXX Allied Collection Se 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TRANSUNION was never late! I have had exceptional payment history with 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 my 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 REPORTING 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.

TRANSUNION 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 2024-09-24
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. (MA)

I've had an issue with my identity stolen earlier this year. Luckily I've had my credit frozen for several years and, for credit, all I received was denied credit inquiry mail. Debit cards have been opened, and fraudulently reported, and unemployment insurance attempted to be siphoned also reported as fraud. I've as of today XXXX filed with identityfraud.gov. 

This report shakes my confidence in the only security I have had with the credit reporting agency and the tenuous protection of a credit freeze. The absurdity of identity threat to prevent opening of unauthorized accounts being taken over by upselling of a credit report company debit card. 

XX/XX/XXXX received email profile with notification that my Experian profile had changed. Attempted to login to confirm. Unable to login to Experian site or verify/ change credit freeze. 

XX/XX/XXXX attempted to retrieve username. Looked up from email address to find username was changed. Attempted to reset username/password sending code to appropriate number, no code received. 

Called personal credit line on support site but automated phone tree for account maintenance looped back to support site. Unable to get operator. 

Called business line and asked to be redirected to live agent. 

Informed that I needed assistance with account takeover. Asked to answer multiple choice questions on data on report. Notified Experian smart money, debit card, was opened and required closure before proceeding. 

Transferred to Experian smart money support, they noted fraudulent account to be closed and that it would take 95 days to investigate. Transferred back to automated phone system. Redialed business line to live agent. Went thru multiple choice verification again. 

They reset my username allowing me to change password and login. I can not change email/phone until, Experian smart money 95 day investigation and I've submitted via mail/fax proof of identity.
Consumer complaint received 2022-07-14
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. (MO)

Upon reviewing an updated copy of my Credit Report, I immediately noticed that the Credit Bureaus hever took action and ignored my letters requesting the removal of the disputed items. I believed that this issue had been resolved because of the written letters I had sent to the credit bureaus. My last letter to the credit bureaus, which I sent in the hopes that they would act and take notice of my Disputes, was sent on XX/XX/2022. I am disappointed and frustrated to see that no changes were made to correct the erroneous reporting of the Disputed items on my Credit File. The Fair Credit Reporting Act section 605b requires the credit bureaus to remove items that the consumer believes were acquired as a result of identity theft, and by disregarding my appeals, the credit bureaus have violated this provision. I've informed the FTC about the identity theft, and I've been included the Identity Theft Report I obtained in my correspondence with the credit bureaus. I'm submitting this complaint to ask the Credit Bureaus to look into it again and properly confirm the accuracy of the information being reported on my credit file this time. The credit reporting companies have let me down in the past, and if they continue to refuse to remedy their blatant disregard for the FCRA regulation, I will be left with no alternative but to file a lawsuit. I need the following things removed right away. I need the following items deleted immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX C XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$130.00} XXXXXXXX XXXXXXXX Balance Owed : {$980.00} ACCT XXXXXXXX XXXX  XXXX Balance Owed : {$51.00} ACCT XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXX XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( XXXX, XXXX and TransUnion ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Consumer complaint received 2022-03-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (DE)

Transworld System violated my consumer rights pursuant 15 U.S.C1692f unfair practices, 15 U.S.C 1692c ceasing communication,15 U.S.C 1692g validation of debt,15 U.S.C 1692e false or misleading representation or implication that any individual is an attorney or that any communication is from an attorney.

Another violation includes 15 U.S.C 6802 - obligations with respect to disclosures of personal information. Lastly 15 U.S.C 1681 ( a ) ( 3 ) Restriction on sharing medical information.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (WA)

I have a small open account with Swiss Colony, from which I buy an annual gift or two every holiday season. that is the only time of the year I buy from them. my initial payment is due in mid XXXX. however 3 separate times now and 2 years in a row, Swiss Colony has reported to all 3 major credit reporting agencies that I have 2 additional late payments. most recently twice this year they reported that I had a late payment in XXXX and XXXX XXXX however thats not possible. I rechecked my prior orders in my account with them and I had no order around that time. I only had the holiday order and paid my balance in early XXXX on time. I have previously reported issues directly to Swiss Colony and its taken forever to get things fixed the 1st time. this 2nd time I went thru my credit reporting XXXX XXXX and thought it was fixed as it disappeared however back on XX/XX/XXXX all 3 credit reporting agencies notified of an update from Swiss Colony. When I went to look sure enough the bogus late payment from XXXX and XX/XX/XXXX was back again. IT IS NOT VALID. every time they they make this incorrect reporting, my credit score goes WAY DOWN and it takes forever to get it back up. I shouldnt be dinged for something that isnt correct and that they cant seem to get corrected in their system for the life of them
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I purchased my vehicle on XX/XX/XXXX from XXXX XXXX XXXX, but they did not have the correct loan amount or interest rate recorded. I contacted the dealership on XX/XX/XXXX and they re-did the paperwork and I re-signed it. The loan did not fund until XX/XX/XXXX! So the dealership did not follow through with the finance company to make sure the information was corrected and my loan is still recorded at the wrong sales price and interest rate. This is a Breach of Contract,  violation to TILA, Regulation Z and who know what else. I called Capital One on several occasions an they stated that they needed additional information from the dealership. I contacted the dealership and spoke to the business manager who finalize my loan to advise and he stated that he had called and taken care of the issue. 5 days later I again checked on the loan to make sure it had been corrected and it had not. 45 days after my purchase and when my first payment was due, still not corrected. 75 days as of today and still no resolution and I need to pursue litigation at this point because they have violated several regulations and need to be investigated. I tried numerous times and to this point but this has to be mitigated immediately and I need restitution!
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At XXXX on XX/XX/XXXX, I was eating. Suddenly, the phone kept ringing continuously, and there were always transactions reminders for the BOA credit card. I was taken aback. I saw there were so many transactions from XXXX at the same time. Subsequent transactions were automatically declined by the bank because of too many. I know the credit card was fraudulent. I cantacted the bank to cancel the credit card and send me a new card.Then I contacted XXXX customer service and told them the transactions were not made by me.They canceled most of the transactions. There were only two transactions of {$99.00}. The customer service said that they were membership fees, and let me log into the account to cancel them by myself. But I didn't know what the account was and I didn't purchase the membership fees. I just could contact the bank to report the fraud transactions. The bank said they would cancel all transactions. In XXXX of this year, the bank deducted the two transactions again, saying that they were normal transactions without fraud after investigation. I contacted the bank again with some more details. But the bank sent me a letter on XX/XX/XXXX, and still considered them to be normal transactions. Later I could only contact XXXXXXXX XXXX customer service to report the incident. It was then handed over to Fraud department for investigation. The fraud department requested me the proofs of my home addresses and billing address. I sent the proofs.Then the fraud department let me submit a proof of address of PA.But I did not know the address.I never left CA.The address was from the account of purchasing membership fees.I have checked the address was of a XXXX restaurant.I did not know the restaurant.The XXXX customer service told me the user name of the account is XXXX.I did not recognize the account. I just made sure that my card was stolen and used to spend two {$99.00} on XXXX. All of the transactions were canceled except for the two transactions. I could support the message of the fraud transactions.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

Citibank is still refusing to send me my money after my account was closed. So found out today they are trying to say my account was closed on XXXX XX/XX/XXXX which is very untrue. This is an indication of deceptiveness of this bank. My account was to be closed around the XXXX or XXXX of XX/XX/2022. Then the phone was hung up on me in one instant and I called back. The fourth representative told me about the wrong closing date of account and then she said the system automatically prints out a check and I should have received it XXXX days after account closure. She couldn't tell me if the check had already been printed and mailed. 

Lie after lie, day after day. This company is disgusting as it gets. Day after day trying to get what belongs to you shows how much these people and company are thieves as clear as day. Holding on to other people 's possessions and assets that don't belong to them. 

On on other hand, I see they are giving people money to open accounts. They are probably using all of the money they are freezing in peoples accounts or refusing to refund back to attract others to this scam of a company.
Consumer complaint received 2020-12-02
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. (PA)

Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.
Consumer complaint received 2020-09-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

I noticed that I have 4 collections accounts on my credit report in XX/XX/XXXX from California business bureau which is a collections agency. The original debtor is XXXX XXXX XXXX Hospital. I only received 2 hospital bills from XXXX XXXX XXXX hospital over the course of the last 5 years. One in the amount of XXXX for a service done on XXXX and another for XXXX from XXXX. I have never received any other correspondence for anything else I owed. Because XXXX XXXX hospital doesnt not speak to you if your debt has already been bought by a debt collector, I called California Business Bureau to see what was going on and why these items were on my credit report. They told me they couldn't answer any question regarding the hospital but claimed they tried to contact me several time via phone and mail regarding the debt this conversation took place on XX/XX/2020. I let them know I was going to contact XXXX XXXX because they never sent me a bill and I have lived at the same address for 6 years, and they've verified my address several times so I know they had it. Today, XX/XX/2020 I contacted California business bureau to get more information on the 4 accounts that were on my credit report. The lady I spoke to ends up given me 3 more accounts that went to their agency making it a total of 7 accounts I have not been made aware with both XXXX XXXX XXXX hospital or the California business bureau.  The first conversation I had with CBB, they never mentioned any other accounts, so I'm very confused. However, while I had her on the phone I get information about all 7 accounts now. I then contact XXXX XXXX hospital to see why I was not made aware if these Bill 's and to compare what CBB has as owed amount and what they actually has as owed amounts. The amounts didn't add up as CBB is adding interest on each of these accounts -- accounts I was never made aware of. This is not legal business practices for either of these business. Had I been made aware of this debt, I would have made arrangements to pay. It seems like XXXX XXXX hospital just sends CBB debt without having tried to retrieve and inform their customers of what they owe.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (CO)

Loan amount of $ XXXX ( +/- ) was funded XXXX. Amount included Title, Tax and Registration fees. Dealer collected fees as well and submitted paperwork to the County while Bank of the West has made no effort to release remaining funds needed to issue plates. 

The Temp plates issued upon purchase on XX/XX/XXXX expired after 30 days. Numerous attempts to have BofW release the funds have gone unanswered. I supplied BofW with a statement from the XXXX detailing the remaining amount due to register the Class A Coach ( Motorhome ).
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

I have contacted XXXX and Equifax regarding incorrect information on my credit report. The dispute was filed the same time with XXXX. XXXX investigated and deleted the item meanwhile XXXX and Equifax have done nothing. This is adversely affecting me and I want this incorrect information removed.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I sent them my letters a few times first letter in XX/XX/XXXX they completely ignored my letters then i sent over letters XX/XX/XXXX and still no reply on theses items i disputed on my report its like they are just ignoring me.It hurts when i have to spend time and money to write letters to them for them to not give a reply on the status of this and they were suppose to get back to me within 30 days. please help.