davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (NJ)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP (VA)

In the state of Virginia, citizens pay property tax on vehicles. In XXXX, I leased a vehicle, Honda XXXX, from Honda XXXX, in XXXX, Virginia. Because I leased the vehicle through Honda, my property tax invoice went to Honda, Honda would pay it and bill me for me to pay it. In XXXX, I moved from XXXX XXXX, to XXXX XXXX. In XXXX, I also bought my vehicle from Honda, so the property tax invoiced was sent to me directly, not Honda. I have been paying my property tax with XXXX XXXX since XXXX. However, in XXXX, XXXX XXXX sent Honda an invoice for me to pay property tax and Honda paid it and billed me {$300.00}. This started in late last year around XXXX XXXX. I explained to Honda finance on the phone that I paid my property tax to XXXX XXXX because thats where I live, not, XXXX XXXX, and showed them the receipt. They said I still should pay the property tax that Honda paid off to close the account of {$300.00}. Indivduals I spoken to with Honda stated they agreed with me, and kept pushing my due date out to resolve thr issue with XXXX XXXX. I haven't heard nothing for 8 months but I'm still receiving notices from Honda that I'm past due and this will impact my credit. Also, this same problem will happen in XXXX if Honda and XXXX XXXX doesn't fix it on their end. I want this resolved ASAP.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Report contains incorrect, inaccurate, falsified information reported by you. Including geographical collection, payment history, derogatory etc. 
I contacted you to request deletion of this inaccurate data from my Credit History Report, but have refused or failed to comply this is falsified/unapproved inquiries information and reporting and goes against FCRA and CFPB I am not in contract with any of the following or NEVER VERIFIED any information with them below : Creditors/Derogatory Remarks 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX Department 3.XXXX 4. XXXX XXXX Unknown Geographically Information needs to be removed immediately I am verifying I am only XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX All other information is falsified data They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : I am enclosing the following to support my claim that the information you have reported is not correct : These negative mark is damaging to my credit. Please contract XXXX, XXXX  and Trans-Union, immediately to remove this information from my credit file. 
Please confirm to me within 10 days that you have contacted the creditors to correct this information. Or I will be filing suit
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (DC)

In XX/XX/XXXX, Simple bank announced that they were closing and all checking accounts would transition to their parent company, BBVA on XX/XX/XXXX. In numerous email messages to customers, they indicated that the transition would be smooth and automatic. On XX/XX/XXXX, BBVA provided instructions for Simple customers to activate their log-ins for their new accounts. I followed the prompts and created a username and password. However, due to an error in BBVA 's system, I have not been able to use my credentials to log-in. I received various error messages and was eventually locked out of my account. This happened to many other Simple customers. Attempts to retrieve a lost password or set-up a new account have also been unsuccessful. As a result of the number of affected users, BBVA phone lines have experienced long wait times. After waiting on hold for more than 30 minutes, I spoke with a customer service representative on XX/XX/XXXX. The rep was unable to help me, simply stated that there had been a problem in transitioning the account and advised me to call back later. BBVA has not sent a single email or communication to Simple customers since the initial instructions provided on XX/XX/XXXX. They have communicated no resolution steps or advise to affect customers except to call their help desk ( who were unhelpful ). I have two Simple accounts that I can not access, containing around {$50000.00}. This is money that I was planning to use shortly for a down payment on a condo but now have no access to these funds.
Consumer complaint received 2022-01-21
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. (PA)

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-01-21
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. (AL)

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )?
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX ( but I have been disputing these items for over a year now ), I sent in dispute letters to the CRAs to investigate information on my credit report. Multiple things were reporting inaccurately, as well as late payments ( which are illegal due to 15 USC 1666B and 1666 ). This violates my privacy to disclose that type of information, and one of them I have never been late ( so I would like to see original document showing that I was late ). The accounts in question ( which I will disclose in the uploads ) are : XXXX : XXXX XXXX  ( reporting late ) XXXX XXXX ( reporting inaccurate information ; not matching up with other agencies ) XXXX XXXX XXXX ( reporting inaccurately ) XXXX ( reporting inaccurately ) XXXXXXXX XXXX XXXX  ( this was removed prior and they re added without reaching out within allotted time ; FCRA passed law that prevented reinsertion ) Experian ( accounts not listed are the same up top, everything else is new ) XXXX  ( reporting late payment ; want to see original document ) XXXX XXXX XXXX ( 12 CFR Part 1006 is being violated here ) XXXX ( same accounts up top : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the address XXXX XXXX XXXX XXXX is reporting on my report, I have nothing to do with that address and want that removed please ( I live at XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-01-21
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. (SC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-11-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

Subject : Dispute of Transworld Systems Inc Dear Sir/Madam, I am writing to dispute the collection activities conducted by Transworld Systems Inc. regarding an alleged debt. My name is XXXX XXXX, and I would like to formally express my concerns regarding the handling of this matter. 
On XX/XX/2023, I received a call from Transworld Systems Inc. for the first and, as I insist, last time. During the call, I requested that all future communication be conducted through written correspondence, specifically via mail. Despite clearly stating my preferred method of communication, Transworld Systems Inc. failed to honor my request and instead proceeded to report my information to the credit reporting agencies. 
I wish to emphasize that I have not received any written notices or correspondence from Transworld Systems Inc. regarding this alleged debt. As such, I have been denied the opportunity to verify the validity of the debt, as well as the chance to address any potential errors or discrepancies. 
Given the circumstances, I hereby dispute the collection activities conducted by Transworld Systems Inc. and request that you conduct a thorough investigation into this matter. I kindly ask that you provide me with the following information : 1. Detailed documentation regarding the alleged debt, including the original creditor, the account number, and the outstanding balance. 
2. Verification of the accuracy and legitimacy of the debt, including proof of any contracts or agreements that demonstrate my obligation to pay. 
3. Confirmation that Transworld Systems Inc. has complied with all relevant laws and regulations, including the Fair Debt Collection Practices Act ( FDCPA ), in their collection efforts. 
It is imperative that the credit reporting agencies take immediate action to ensure the accuracy and fairness of the information contained in my credit report. I request that you place a temporary hold on any negative reporting related to this disputed account until a thorough investigation has been completed. 
I look forward to a prompt resolution of this dispute, as well as the removal of any inaccurate or unjust information from my credit report. I trust that you will handle this matter with the utmost professionalism and integrity. 

Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Consumer complaint received 2021-08-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX ACCOUNT LISTING ON MY REPORT WHICH IS WRONG
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

The issue is that my XXXX checking account was transferred to Citizens bank and I lost access to my funds. Details : I opened my XXXX acct in XX/XX/XXXX, with my address in XXXX XXXX, because I was moving to the US in XX/XX/XXXX and wanted to have an account for my expenses while moving. My XXXX checking account was active at least on XX/XX/XXXX, since I received a statement in this period. On XX/XX/XXXX, I logged into my XXXX account and it was closed/terminated to my surprise. 

My account was " transferred '' to a new bank, Citizens, without my acknowledge nor permission. I did not receive any phone call or letter about this. In this new bank, Citizens, there is no customer support available - I tried to call them for XXXX days in a row, XXXX hours each day. Citizens bank has my funds from XXXX but is not letting me withdraw the funds, which I need for daily expenses. Citizens did not send me any letter, any debit card, and without the debit card I can't access my funds. 

I need to have either access to my Citizens banks, with all the features I had in XXXX ( available to make transfers, use debit card ) or restore my XXXX account. XXXX claims that the account is no longer with them, so they can't do anything. Citizens claims that without a debit card, I can't do anything, but I did not receive XXXX, and will not receive XXXX, because my XXXX address was in XXXX XXXX and Citizens doesn't provide services there. In a nutshell, I lost access to all my funds.
Consumer complaint received 2021-08-27
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: Continental Finance Company, LLC (CO)

This complaint is against Continental Finance. 

I lost my XXXX Credit Card around the end of XXXX, XXXX. I called Continental Finance and reported my credit card missing. They instructed me to prove my identity because I moved to Colorado and they would only accept a fax to an office I do not know. I sent the fax to them with the requested documents. I never heard from them. I went to pay my bill online as I have done on time every time ( I have the records ) and the companies XXXX/Continental Finance closed the access to the credit card site and I could not get access to pay my bill. I finally received my new card about a month and a half later. I went on line and created a new account and I was able to pay my bill. 

I received two threatening letters. One in the beginning of XX/XX/XXXX and another on XX/XX/XXXX. They said I owed {$110.00} and there was a {$35.00} payment past due. This is impossible because I paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of {$35.00} each. 

These companies are criminals. Now referred here to as CFXXXX. They adjusted my cycle without telling me and billed me a service fee the was not due and charged me over {$140.00} in fees reflected in the last statement I received in XX/XX/XXXX that was the first since I had the card because everything was managed online. 

The statement dated XX/XX/XXXX had the following that I never received before Fees and other charges 1. Monthly network fee $ {$10.00} ( Never was there before ) 2. Annual Fee {$99.00} ( CFXXXX only did this because it was a new card and they are criminals. ) This fee was not due until next year. 

3. Late fee of {$40.00} for no reason.

In the reverse side of the invoice. ( This is the only one I have received from CFXXXX since I opened the card last year. ) It says " every month I will be assed a monthly fee. '' No amount stated and to close the card if I did not want the fee. 

So, I called CFXXXX today XX/XX/XXXX and was on the phone for an hour. I asked the person to transfer me to a supervisor to straighten this out. I was transferred 30 minutes later to a rude person that REFUSED to help. The fees that were asses in total I did not owe and this person refused to close the credit card. They are now falsely reporting on my credit report and gouging me in fees that I did not owe and I was not late on any payments.

/s/ XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Biehl & Biehl, Inc (NV)

Claim that we owe an extra {$210.00} on freight for a shipment from XXXX XXXX dated XXXX. 

On XX/XX/XXXX we contacted XXXX XXXXXXXX. Their last shipment to XXXX was XX/XX/XXXX which corresponds to our records and we have no outstanding balance with them. 

On XX/XX/XXXX we asked the collection agency Biehl & Biehl for a copy of the original invoice. They sent us an invoice from XXXX freight on a shipment from XXXX  dated XX/XX/XXXX. 

On XX/XX/XXXX we contacted XXXX. They show no write-off or past due amounts on our account going back to XXXX. 

XXXX Biehl & Biehl. Many complaints about this company regarding bogus XXXX shipping charges.
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (AL)

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )?