davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc. (NC)

Swiss Colony  has been a thorn in my  XXXX . This company have sold the original account under my name and social security number to a collection company called  XXXX . I have complaint on  Swiss Colony  many times about the account is not mine and I have went through the credit agencies as far as placing a fraudulent alert on my credit files b ecause of Swiss Colony not believing me. Now   XXXX    have written me a letter to collect a debt for Swiss Colony but Swiss Colony still ha ve this account open on my credit files as of today. Okay, my mother have paid this account for me. On the letter from  XXXX , they mentioned that I can pay a discount of 50 % of the asking pric e Swiss Colony is asking for which is {$130.00} and 50 % of that is {$68.00}, paid. My mom paid it for me on the    XXXX / XXXX / 2017  with her bank card  XXXX   XXXX . I had received a letter from  XXXX  on the  XXXX / XXXX / 2017 . My mom paid the 50 % for me  so Swiss Colony can closed the account, but they never did. Swiss Colony still have this account current and open a fter they have sold the account to  XXXX . Also, I have disputed Swiss Colony account before the collection agency brought the account and Swiss colony still have not place the statement on my credit files that I have disputed the account by asking them to provide any information under my name and social security number to validity of the debt that I owe to them . Swiss Colony knows that  the debt is paid and they still have the account open and current on my credit files. If they dont delete their entry from all my credit files I will take them to small claim court. I have proof of everything that could have them pay me for their lack of communications and lack of their actions to clear this situation/matter up.  XXXX  have proof th at Swiss Colony debt under my name and social security number is paid.
Consumer complaint received 2023-11-21
Product: Credit reporting 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)

A collection account appeared on my consumers reports on XX/XX/2023 XXXX XXXX XXXX, that doesn't belong to me. I have spoke with all three credit bureaus and sent them a letter of dispute.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Over the course of several months I have be attempting to have the Credit Reporting Agencies to remove inaccurate information that is showing up on my consumer file. I would also like a copy of my consumer file. What I received in returned is a form letter that states that they do not belive who I am. I have sent a copy of my personal documentation. I think my rights as a consumer have been denied and violated.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023, I received my copy B of the IRS 1099-C form that was processed and accepted by the IRS for Capital One Account : XXXX, discharging this debt. My Capital One account has not been updated to reflect that this account is paid in full, I have not received title of the vehicle, nor has my credit report been updated to reflect that this account is paid in full. The responsible parties to insure that the proper rules are followed regarding the issuance of securities and who protects the interest of the investors are both Capital One Auto Receivables, LLC and the indentured trustee The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  with XXXX XXXX and General Counsel, XXXX XXXX XXXX, as responsible signor. ( attached is the accepted Copy B 1099-C form )
Consumer complaint received 2023-05-18
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. (GA)

It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AC AutoPay LLC, Denver, CO Branch (NJ)

I contacted the company multiple times. In hope, they will fix the situation for about half a month, They have been giving me the same response that a supervisor will call me in 2-3 days. I have no information and no one has helped me from the company be able to solve this solution.
Consumer complaint received 2020-07-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation (GA)

1st Franklin Financial ( XXXX, Ga ) is reporting to credit bureau, my payments on a previous account as having been paid 60-90 days late each month. In XXXX they filed a judgement against me, after which, per the terms of the judgement, I paid them on time each month, until the debt was settled in XX/XX/XXXX, and I received a letter from them stating as much. While in the process of trying to obtain a mortgage loan in XXXX, I discovered this discrepancy. I initially contacted 1st Franklin, but was told I needed to file a dispute with the credit bureau. When I did, received notice from XXXX  that it had been verified, so no changes were made. On XX/XX/XXXX, I went into a local 1st Franklin Branch and obtained a printout of my payments, which were all  showing as on time. I then filed another dispute with XXXX, submitting this information as proof. I received a response from them on XX/XX/XXXX, dated XX/XX/XXXX, with payments still showing 60-90 days late. I then visited 1st Franklin again on XX/XX/XXXX for an explanation. I was then told to contact their Quality Assurance dept. It was at this time I was finally told that although I was making payments on time according to the judgement, I was actually still past due, so those payments didn't count in the actual month they were made. After not feeling satisfied with this answer, I was referred the the Regional manager over the XXXX Ga branch. I spoke with him on XX/XX/XXXX, he was very rude, disrespectful, and condescending. He informed me that nothing would change and that I did not pay my debt on time. When I asked why this was not disclosed to me at the time, he just continued to repeat, I did not pay my account as agreed. I do not feel that I was given full disclosure as to the status of my account and how payments were being applied. I never received anything stating I owed anything additional to what I was paying. Print out received on XXXX, does not even reflect this. 1st Franklin needs to update my credit report to show my payments on time as I feel they are in violation of my rights as per the Fair Credit reporting Act and the Consumer Finance Protection Board.
Consumer complaint received 2023-05-18
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. (GA)

I am writing to formally request the removal of a debt from my credit report due to the failure of XXXX XXXX XXXXXXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX XXXX  XXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, XXXX XXXX
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc (IN)

I reached out to the credit bureaus to contact the collections agencies alleging I owe them a debt and to send me proof of debt with their company. I never recieved verifiable proof showing I owed debt to the company.
Consumer complaint received 2023-05-18
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. (CT)

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 # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # 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 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 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2023-11-21
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. (TX)

my data was leaked through XXXX and these account need to be deleted immediately Ic system XXXX XXXX XXXX XXXX XXXX XXXX XXXX " Date : XX/XX/2023 To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 
Thank you, ''
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2023, I submitted a formal letter addressing multiple inaccuracies and unfamiliar entries on my credit report. Despite the stipulated time frame of over 50 days passing, I have yet to receive any response or acknowledgment of my dispute. 

As per Section 611 ( a ) of the regulation, failure to investigate these discrepancies within 30 days warrants the immediate removal of said items from my credit report. The prolonged delay in rectifying these errors is unacceptable, and I insist that these accounts be promptly deleted in accordance with the law. 

Furthermore, it's important to note that my personal information may have been affected by the XXXX data breach, raising concerns about its security. This situation compounds the urgency of resolving these issues swiftly and accurately. 

I urge your immediate attention to this matter and request the swift deletion of the erroneous entries from my credit report. Failure to address this concern promptly may compel me to pursue legal action due to the distress and inconvenience caused by this prolonged negligence.
Consumer complaint received 2023-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, therefore no such debt in fact exists.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My XXXX XXXXXXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WV)

I received an email from Experian on XX/XX/XXXX informing me that the regular XXXX credit monitoring service is being raised to XXXX. My next billing date is XX/XX/XXXX so I emailed them back ( XX/XX/XXXX ) to cancel the service. I have received no response as of XX/XX/XXXX so I called this morning, ( XX/XX/XXXX ). Upon calling I had to enter numerous pieces of info to be authenticated ( SSN, address, DOB etc ) at which point I was told I had no account to cancel and the automated system hung up on me. 

I tried numerous additional times to cancel and each time failed to either a ) have the account canceled or b ) to get through to an agent to cancel the account manually. After almost an hour I decided instead to contact my credit card company ( XXXX ) and have them do a merchant block, which they did. 

After searching online it is apparent than canceling with Experian is VERY difficult if not impossible.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (IL)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 : Accounts : Portfolio Recovery Accounts : # XXXX & XXXX & XXXX Seller : XXXX  XXXXXXXX XXXX 
Comments : Consumer sent settlement letters, no response. 

XXXX XXXX Accounts : XXXX Seller : XXXX XXXX Comments : Duplicate accounts showing on credit report. 

Merchants Adjustment Service Account # Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # Seller : XXXX XXXX XXXX XXXX Account # XXXX Seller : XXXX XXXX XXXX Comments : XXXX XXXX XXXX has gone bankrupt and failed to fulfill original contract of providing new vehicle once current lease was paid at least {$10000.00}. XXXX purchased debt and has assumed loan servicer title XXXX  XXXX XXXX Account # XXXX Comments : Consumer sent settlement letters and has yet to receive response. Delinquency due to job loss.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A : also states a Consumer reporting agency can not furnish an account without my written instruction.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

JUST RECENTLY XXXX XXXX XXXX ( ON BEHALF NATIONAL CREDIT SYSTEMS ) FILED A WAGE GARNISHEDMENT, ON A DEBT THAT WAS OVER 1O YEARS OLD. I WAS IMPROPERLY NOTIFIED, AND WASN'T ABLE TO DEFEND MYSELF IN COURT TILL IT WAS TOO LATE.

PRIOR TO THEM FILLING THE WAGE GARNISHMENT, THEY ALREADY RECIEVED {$3100.00} ; WHICH WAS THE PRINCIPAL OF THE DEBT. HOWEVER, NOW THEY ARE COMING AFTER ME FOR MORE MONEY.
Consumer complaint received 2023-09-01
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any inquiries that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) 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
Consumer complaint received 2018-10-24
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 — Investigation took more than 30 days
Company: Credit Karma (GA)

My XXXX scire dropped significantly in late XXXX and the reason credit katana reports reported the change was due to a change in or use of another name on my credit file. The error was reported by XXXX and I obtain the information by reviewing credit karma free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to XXXX and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the XXXX score is lower