davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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) (DC)

I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Allied Collection Service. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted Allied Collection Service authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ).

2. Provide sufficient and documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AZ)

I wrote several letters to best buy on XX/XX/23 and XX/XX/23 to remove my transactions and experience off my credit report. I did not give them permission to share my information and by Law it is against the law. It is considered identity theft if they don't have me sign 3 forms of paperwork to allow them to do it. Best Buy is illegally reporting the experience ( utilization ) and transactions ( history ). The company is in clear violation of the law. pursuant 15 USC 1681a 2 ( a ) ( i ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They are in violation of the FCRA 15USC 1681a 2 ( a ) ( i ) by reporting experience and transactions on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my consumer report.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 furnish a account without my written instructions
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TN)

I went to XXXX XXXX XXXX XXXX in Mississippi on date of service XX/XX/XXXX for XXXX. I provided my medical insurance to the hospital notating the insurance was with XXXX XXXXXXXX XXXX XXXX. I received the first statement from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX with statement date XX/XX/XXXX for {$810.00}. 

Upon receiving the statement, I contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to advise that I did not see a claim ran through my insurance at the time. I also advised per the Summary of charges that they filed the claim incorrectly to XXXXXXXX XXXX XXXX instead of XXXX  on XX/XX/XXXX. I asked why did it take two years to file the insurance which they explained the shortages and delays were due to the XXXX staffing. 

I was informed they would run the claim correctly with XXXXXXXX XXXX XXXX I was adamant that this was not my error and ask if the insurance did not pay, who would be responsible. I was advised since this was their error, i wouldn't be responsible which they filed the incorrect insurance. 

I received a statement from Online Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a statement date of XX/XX/XXXX that is a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX advising as of XX/XX/XXXX, I owe {$810.00}. 

I contacted Online Information Services on XX/XX/XXXX and spoke with XXXX who stated I requested to be billed as self pay. I advised I didn't request self pay because I provided my insurance. I advised I spoke with XXXX XXXX advising they filed the insurance incorrectly and they are submitting the insurance to the correct state. 

XXXX advised they would research and get back with me. I did not receive any follow up via phone, email or mail. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX who transferred me to the Care line to speak with XXXX, escalation specialist. XXXX confirmed that XXXX XXXX billed XXXXXXXX XXXX XXXX instead of XXXX XXXX XXXX and she was sending a new bill to XXXXXXXX XXXX XXXX and she was requesting a deletion of the debt collector that was on my credit report. XXXX confirmed, I would not be responsible for the bill if it is outside of the insurance filling timeframe due to their error. The deletion of my credit would take 30-45 days which it was removed prior to the period. 

On XX/XX/XXXX, Online Information Services added a degatrory mark/collection again on my credit reports for the {$810.00} for XXXX XXXX XXXX 

This company continues to place collections on my credit report that I am not responsible for due to their error of not filling the insurance. I contacted XXXX XXXX XXXX  who mentioned XXXX XXXX XXXX did not file the claim timely and the filing period expired. The insurance confirmed as well that I am not responsible for the untimely filling of XXXX XXXX and XXXX XXXX. But the company continues to not send any communications and place the collection on my credit reports.
Consumer complaint received 2018-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I had over draw protection XXXXautomatic payments come out, I call the bank to get a loan, they decline me over the phone XXXX to fix my acount, decline. I was in a car accedent XX/XX/17. Went in for XXXX My acount got over drawing, no help from the bank over draw fees over XXXX last year alone and closed my last week, now no way to pay my bills XXXX default services XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX XXXXoh XXXX XXXX oh XXXX
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (OH)

The attached account is being reported inaccurately and does not belong on my credit report under 15 U.S. Code 1681b ( a ) ( 2 ). The evidence is shown in the screenshot of my credit report, which shows that I never gave written instructions to these agencies to furnish my credit report with this fraudulent account.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

As an American Express card holder in good standing for over 25 years, I am highly disapointed in thier lack of action, follow through and resolution to a extreemely minor issue which has now evolved into a situation of significance. 

The significance now is that due to AMEX not removing a {$29.00} late fee as agreed and promissed in XXXX, has now compounded to {$140.00} as of this date. 

Due to AMEX not resolving this minior issue as agreed, my credit score has droped from XXXX +/- to around XXXX. 

I HAD XXXX accounts with Credit limits of {$31000.00} and {$250000.00} respectivly. I have closed BOTH accounts as a result of a " {$29.00} ( XXXX ) Late Fee '' which was promissed to be waived when I first contacted AMEX. 


ONLY XXXX charges had been made on the account in 2023 ( {$63.00} US Postal Service & XXXX XXXX XXXX XXXX XXXX. AMEX Account representitive on XXXX different resolution calls that I placed told me to make payments of {$63.00} and {$59.00} which I made promptly on XX/XX/2023 and XX/XX/2023. WHY would I have made these payment of these specfic amounts if i WASNT instructed to due so by the AMEX representitives on XXXX differnt occassions to XXXX out and close the account? 

I have made 6 or 7 calls to AMEX, wasted hours of my time and spoken to different representitives each time only to get passed off to another without resolution. These representitives promiss follow up calls, wont provide call back numbers or case numbers and then just hope that you go away. 

I have been more than polite and tolerant. My last communcation on XX/XX/XXXX was promissed to be resolved by XX/XX/XXXX has prompted this request of the CFPB to become involved. I did indicate to the AMEX representitive that this would be my next step on that call. I have provided several ways for AMEX to reach out to me via my office and cell phone numbers with no promissed resolution from AMEX. 

Thanks in advance for your assistence. This is a matter of principle to me to have this resolved by AMEX as they have previously agreeed.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I placed an order for a trial service that billed me despite my cancellation prior to the end of the trial period. 

I filed a dispute with PayPal and supplied them with email proving that I canceled service with the merchant two days prior to the deadline. PayPal took forever and ultimately denied my claim.
Consumer complaint received 2023-09-14
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. (NJ)

Delete hard inquiries listed on my credit report. These accounts were not authorized by me. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (PA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-28
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. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-03-28
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. (IL)

I have not engaged in any financial activities with those creditors recently, nor have I initiated any credit applications or transactions that would necessitate such an inquiry. As a vigilant consumer, I regularly monitor my credit report and am committed to maintaining its accuracy.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have my name and address that I want to correct on your report. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Florida XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is being non compliance to FCRA law by still reporting and did not block per my request incorrect, and inaccurate information, that is the direct result of identity theft. They are also dealing in deceptive practices by claiming I did not send all relevant personal information required to investigate the dispute in an attempt to circumvent following FCRA laws. On XX/XX/1023 I realized XXXX XXXX account XXXX XXXXXXXX is reporting on my credit report.it is inaccurate and incorrect information due to identity theft. I sent Trans Union a dispute, requesting to block the said information along with a FTC report l. They responded 6 days later to which is out side the 4 day block law in the FCRA state they are not blocking the information to which I am in title to have block due to identify theft. This is an attempt to circumvent blocking said information that should be blocked under the law.
Consumer complaint received 2023-11-09
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. (TN)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 



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 2023-11-08
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. (MI)

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 2018-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OH)

Receivable Performance placed a " collection '' on my credit report in behalf of XXXX on XX/XX/2015 in the amount of {$110.00}. I disputed this with XXXX  ( unfortunately, I can't recall the date ) & XXXX sent me a letter stating basically that the debt was mine. This is LITERALLY IMPOSSIBLE! I HAVE NEVER HAD XXXX. XXXX DO NOT SERVICE MY AREA. I have the same name as my father with the exception of my middle name ( My dad does not have a middle name ). My father HAS HAD XXXX in the past. 
Please investigate this and have it removed from MY credit report. 

Thank you for your assistance!! 

Receivable Performance XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2018-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was not informed my credit card would be closed. 
No phone call. No email. No received mail. 
Just a notification my account has been closed. 
I have had this credit card for years now. Ive never been made a late payment!
Consumer complaint received 2023-04-25
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: Uplift, Inc (VA)

This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : MACYSCBNA Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ). 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Adler Wallach & Associates, Inc. (CA)

I've been trying to resolve these issues for years. its so unfair that I cant purchase a house or access Business funding because of these fraudulent credit bureaus. This is the last time trying to resolve. Please investigate XXXX. AWA I don't even know what or who that company is and XXXX XXXX XXXX I never ever did any business with these people. If any further Questions please contact XXXX XXXX at XXXX
Consumer complaint received 2024-03-15
Product: Credit 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: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2023 I ordered an open box item from XXXX XXXX for a cell phone. When I received the item I was sent a completely different item than what I ordered, I contacted XXXX XXXX and was informed that all I had to do was return the incorrect item back to them and once they received the item they would refund me. After a few weeks of emails and promises of getting refunded for the purchase they refused to refund me. At that time I contacted Goldman Sachs, the bank that services my Apple Credit Card and informed them of what happened and initiated a dispute. I provided them with screenshots and proof of what was sent to me along with email copies of XXXX XXXX saying I would be refunded me once they received the incorrect item back as well as a screenshot of both the XXXX XXXX XXXX receipt with tracking number and screenshot from my XXXX XXXX account showing they received the item back. Goldman Sachs sided with the XXXX even after showing MULTIPLE proofs of everything. I have re-submitted this dispute about XXXX other times with submitting multiple proof of XXXX XXXX being in the wrong and Goldman Sachs still after all the proof sides with the merchant. I wound up eating the charge for an item that I originally didn't even get the correct item but also sent the item back and never got what I paid for so I essentially got charged for something I never got and Goldman Sachs still sided with them. So not only did XXXX XXXX steal my money and keep the item I sent back to the but Goldman Sachs supported and encouraged it even after providing multiple proof that I did everything on my end to resolve the problem. I want my {$900.00} that they took from me or I want the item I paid for and this is why I am writing this complaint to see about getting some help and resolution with this.