davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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)

This is XXXX XXXX and I am submitting this CFPB complaint addressed to the Credit Reporting Agencies to request that the Following Dispute inquiries were resulted due to identity theft. I was a victim of identity theft and that the disputed inquiries were never made by me neither anyone I authorized on my behalf. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following inquiries completey from my Credit Report as soon as possible. Also, the Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. I have read enough to understand my rights which is clearly being violated by the Credit Reporting agencies. Once again, I need the following inquiries to be removed completely from my Credit Report : XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc. (GA)

I did a Credit Sale with Avant roughly around XXXX, recently I was notified by an unauthorized company that they had been granted a summary judgement. I was not aware that my account had either been sold or assigned unlawful. The original creditor is in violation of the Truth In Lending Act pursuant to 15 USC 1601 and they both are in violation of 18 USC 1028A Aggravated Identity theft. 

I am demanding all parties to Cease and Desist all unlawful activity. In addition, I am requesting pursuant to 12 USC 5561 ( 4 ) Documentary Material of the alleged obligation. 

Sincerely XXXX XXXX
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NY)

On XX/XX/2021 at XXXX AM I received a call from XXXX XXXX XXXX claiming to be discover card about my account. I have no account with them and the caller tried to get me to divulge private information. Additionally I am on the do not call registry
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Credit Systems,Inc. (GA)

I am disputing the move out fees and the damage the XXXX XXXX ( XXXX XXXX XXXX XXXX ) did to my person and my credit report through the collections agency National Credit Systems and The XXXX XXXX XXXX XXXX XXXX. I started a sublease at University XXXX, XXXXXXXX XXXX in XX/XX/XXXX to XX/XX/XXXX. I decided due to convenience to renew and lease again with University XXXX on XX/XX/XXXX through XX/XX/XXXX. In this period they did renovations and changed old furnitures for new ones. They changed the carpet for two of the rooms in the apartment XXXX but not my room since they said I was in a sublease. They sent me a move out statement and each and every item I was not responsible for ( including carpet replacement, ironic? ). I left the apartment in better conditions that what I received it and I have dozens of pictures from the move in and move out. I can provide proof. I sent multiple emails to the then resident manager XXXX XXXX and XXXX XXXX with no response and resolution ( they just straight ignored me ). I went to the office several times and was never able to speak to them. They did not consider the move-in condition form I submitted and charged me all cleaning, painting, carpet, mattress replacement ( the mattress was in the room ). I left my room in good conditions except for normal wear and tear. Btw, the apartment was infested with roaches when I moved in. 

Recently, I needed the account XXXX to be removed from my credit report. I tried contacting again XXXX XXXX XXXX but the managers were not able to speak to me since they were in a meeting. I had to resolve the matter with XXXX XXXX. Provided are the emails and pictures as proof. 

You have a pdf with all my proof. Okay, I have provided all the proof requested from you. Now I request proof that I owe this. Because you pretend to charge me for this. Please provide all the pictures ( not my pictures ) of the move-out that you are attributing me this charge. Please provide me the inspection that was completed at my move-out since I never saw that report. There is an inspection done per the statement you provided in XXXX XXXX, XXXX ( two years after I moved out ).

I have a clean credit and you pretend to mess this up. This is not how you do it. 

I request reimbursement or refund for the {$720.00} I had to pay due to every management ignoring my requests, apologies from the company and complete deletion of the account from the three credit reporting agencies and from my credit report.
Consumer complaint received 2023-12-09
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. (IL)

I am reaching out to address alarming inconsistencies in the reporting of a XXXX XXXX account, as noted on both XXXX and XXXX. After a meticulous examination of credit reports, it has come to my attention that several irregularities suggest potential violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX on XXXX : XXXX indicates a charge-off on the XXXX XXXX account, yet fails to specify the delinquency or charge-off date. As per Section 623 ( a ) ( XXXX ) of the FCRA, creditors are obligated to report such dates to provide consumers with a transparent understanding of their account status. It is imperative to highlight that this account is fraudulent, not in ownership, and should not be reflected on my credit report. 

Collection Reporting on Experian.com : Experian.com reports the same XXXX XXXX account as being in collection, lacking detailed information, which contravenes Section 623 ( a ) ( 1 ) ( A ) of the FCRA. This section emphasizes the necessity for credit reporting agencies to furnish accurate and complete information regarding any collections. Please note that this account is not one in ownership, and it is fraudulent, making its inclusion on a credit report inappropriate. 

Failure to Report Monthly Updates : Both XXXX  and XXXX  have failed to reflect monthly updates on the XXXX XXXX account. Section 623 ( a ) ( 2 ) of the FCRA mandates creditors to report accurate and up-to-date information. This lapse in monthly updates hinders the ability to promptly address discrepancies, and I stress that this account, not in ownership, is fraudulent.

Missing 30, 60, and 90-Day Past Due Reporting : There is a conspicuous absence of 30, 60, and 90-day past due reporting on both credit reports, violating Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires creditors to accurately report the delinquency status, including the presence of 30, 60, and 90-day past due notations. Please be aware that this account is fraudulent, not in ownership, and must be expeditiously removed from a credit report. 

Omissions of Account Reporting on Experian.com : Furthermore, I noted that the XXXX XXXX account did not report in XX/XX/XXXX and XX/XX/XXXX on XXXX, despite being reported as " OK '' ( positive ) on XXXX during the same periods. Such inconsistencies go against the FCRA 's requirement for consistent and accurate monthly reporting. I want to emphasize again that this account is fraudulent, not in ownership, and must be removed promptly.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I deposited 2 {$1000.00} XXXX money orders via the BOA mobile App into my checking account ending in XXXX. On XX/XX/XXXX my account was debited for both of the checks by BOA claiming that the checks were duplicates. Today I made a 3way call with XXXX # XXXX of BOA and XXXX XXXX of XXXX. XXXX advised that the 2 money orders were Honored and paid on XX/XX/XXXX. BOA claims that the funds were returned but XXXX has not received the funds and BOA refuses to provide any proof that the funds were returned to XXXX so that XXXX can then send me replacement checks to deposit. BOA also claims that the funds were debited because the money orders are not able to be deposited via the mobile app but this is not true. I have attached copies of letters from BOA clearly showing that their response is not true. The reason for the debit as indicated in BOA letters is Duplicate Presentment yet they claim they have no record of the letters. Both XXXX and I believe that BOA has the funds and they refuse to credit my account or provide proof otherwise. Tried to speak with Supervisor but unable to do so.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital one issued a credit card to me with a credit line of {$300.00}. I have made frequent, timely payments of the entire balance owed each month. This is necessary because the credit limit is so ridiculously low that using the card actually hurts my credit. One trip to the grocery store and a tank of gas puts my balance over 50 % of my available credit, lowering my credit score. 

I requested a credit increase last XXXX and was rejected using outdated information from an XXXX  report from XXXX, instead of my score at the time of the request. I was told I would need to apply for a new card because capitol one would not do a hard inquiry of my credit report otherwise. I applied for a new card and was issued an identical card with the same credit limit of {$300.00}, instead of increasing the limit on the 1st card. 

On the XX/XX/XXXX and XX/XX/XXXX, my card was declined for a {$4.00} cup of coffee and a {$2.00} charge, even though my card had a XXXX balance and a {$7.00} reward credit. 

My last payment of the entire balance was made on XX/XX/XXXX and posted to my capital one account XX/XX/XXXX. When I called to see why I was unable to use my card for 15 days/half of the month after capital one posted my payment to my card, I was told by the customer service rep and her supervisor that a 26 day hold had been placed on my card. They refused to say why I was unable to use my card for all but 4 days of the month, and was told my card member agreement and state & federal law creditors to place a hold on accounts indefinitely. There is no regulated, specified time limit for verifying that a payment has been received. None of my payments have been returned. I have made numerous payments a month, of the entire balance owed, for aproximately 1 year. 

It is completely unreasonable to believe that it takes 26 days to verify receipt of an ACH payment. Had the specific number of days a hold might be placed been listed in the card member agreement, I never would have agreed. 

The supervisor I spoke to stated she can not override this setting and I'll have access to the card sometime in XXXX! I believe they are engaging in fraudulent practices by receiving payment, posting the received payment in my account history, yet restricting access to the card stating they are not sure if the payment has been received. This {$300.00} account is clearly not a high risk account for capital one and this practice are harmful to consumers. 

The acct shows that I have XXXX available credit, XXXX balance due and {$7.00} reward credit.
Consumer complaint received 2021-11-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

To Whom It May Concern ; This to file a complaint to XXXX XXXX Apartment located in XXXX XXXX XXXX XXXX CA XXXX, this an apartment facility where we leave for a year from XX/XX/XXXX to XX/XX/XXXX. I have all copy of all the payments that i made thru my XXXX XXXX checking account as a proof that i am paying my monthly apartment rental since start to the end of my contract on XX/XX/XXXX. 

Last XXXX months ago, I received a call from Genesis Collection agency advising me that i have a debt or unpaid bills from XXXX XXXX Apartments amounting to {$XXXX}, this is unpaid mortgage rentals from XX/XX/XXXX to XX/XX/XXXX at first I thought that it was a prank or sort of prank calls that wanted my Name and my personal information but when I double check it thru my credit karma account and XXXX, the Collection agency was on my account as well as my credit score abruptly affected on this credit reporting. 

Since last month I tried calling the XXXX XXXX apartment but they are not cooperative and insisting that I am responsible for the debt. I am explaining to them that how that possible for me to rent an apartment in XXXX XXXX while I am working in XXXX XXXX since XX/XX/XXXX to present and left the XXXX XXXX Apartment on XX/XX/XXXX. 

I called the Corporate office of the XXXX XXXX XXXX but I had the same treatment with no cooperation at their side they advise me to call collections agency and to pay for the debt amounting to {$XXXX}. I think that this Apartment Facility, XXXX XXXX didnt ask any documentation from the renters who replaced us when we finished our contracts, they asked the new tenants to use our personal information to rent the apartment, since the new Manager XXXX told me over the phone that they used the same XXXX XXXX and always pays cash every month and issued a receipt to the tenants under my name, and I saw to from the letter from the collection agency my name and the full details of the account. 

So I wanted to file a complaint to this Apartment facility to clear my name and i want them to call the collection agency to cancel any collection on my name and also sent a clearance to the Credit bureau to remove delete and clear my name on this debt. 

I want to request for this facility to issue a confirmation letter thru registered mail confirming that i have no obligations moving forward for this debt. 

I want to reiterate for the last time, that I didn't have any idea on this debt since i was residing in XXXX XXXX in XX/XX/XXXX, I am ready to send all proof of documents as per request. 

Thank you
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, 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. (FL)

I noticed hard inquiries on my credit report that weren't mine : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, 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. (FL)

I noticed hard inquiries on my credit report that weren't mine : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-22
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. (VA)

I'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX  XXXX XXXX : {$3900.00} XXXX XXXXBalance : {$0.00}
Consumer complaint received 2022-10-10
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all file sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX and Experian are all placing in accurate information on my credit report from Accounts that are close and do not belong to me
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans Union XXXX and XXXX are all placing in accurate information on my credit report from Accounts that are close and do not belong to me
Consumer complaint received 2021-11-26
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. (MA)

I have requested that TransUinon and XXXX preform and independent investigation with XXXX XXXX XXXX account XXXX. This account is being inconsistent reported by the credit bureaus with different Date Of First Delinquency and re-aged. TransUinon is reporting for XXXX XXXX/XXXX, XXXX is reporting XX/XX/XXXX. TransUinon is reporting for XXXX XX/XX/XXXX XXXX is reporting XX/XX/XXXX. TransUinon is reporting for XXXX XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. These are different years, months and dates of first Delinquency and inconsistent reporting by both credit bureaus. This account has been illegally re-aged which is a violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation showing the inconsistent reporting by the credit bureaus and re-aging of this account which is a violation of the FCRA. 


I am keeping a record of all communications with this dispute with the credit bureaus in case I need to litigate this inconsistent reporting by the credit bureaus.
Consumer complaint received 2022-08-22
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. (NY)

Experian and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian and XXXX that I was a victim of identity theft. Experian and XXXX are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I need them to be held accountable & have the this account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}