davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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. (NJ)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Enclosed : copy of State ID
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to on time as should be as I was NEVER late. Thanks.
Consumer complaint received 2023-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

BULL CITY FINANCIAL XXXX XXXXXXXX I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and North Carolina Administrative Code. North Carolina regulations require all debt collectors to send specific written documentation verifying the debt. Verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Levy & Associates, LLC (OH)

XXXX XXXX XXXX ( XXXX ) was the 3rd party that compromised my XXXX XXXX XXXX  Visa credit card account on XX/XX/XXXX and XXXX XXXX XXXX may have initiated that breach. XXXX  XXXX XXXX acted fraudulently when it created a fictitious account on XX/XX/XXXX without a Credit Card Agreement to allow XXXX to recklessly transfer a credit card account originated by XXXX in XX/XX/XXXX. Levy & Associates attorney for XXXX XXXX XXXX filed a false claim in XXXX County Municipal Court on XX/XX/XXXX pursuing {$4800.00} more. XXXX  XXXX XXXX was already unduly enriched by demanding and receiving payments from me from XX/XX/XXXX - XX/XX/XXXX on an account not legitimately owned by them. XXXX   XXXX XXXX XXXX XXXX and attorney XXXX Levy/Levy & Associates are violating the OCC Consent Order # XXXX dated XX/XX/XXXX. XXXX  XXXX XXXX is corrupting the banking system with what appears to be racketeering and Levy & Associates is perverting the justice system by getting a  Judgment for them on a fictitious account with no account agreement. XXXX   XXXX XXXX did not and can not produce the credit card account agreement they referenced in their response to my original complaint # XXXX referred to the CFPB by the OCC via my Case # XXXX on XX/XX/XXXX. The correspondence received on XX/XX/XXXX from XXXX XXXX XXXX in response to my initial complaint is unacceptable and erroneously dated XX/XX/XXXX.
Consumer complaint received 2024-06-12
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (CA)

On XX/XX/2024 I noticed a transaction from a XXXX XXXX XXXX in Texas in the amount of {$30.00} on my checking account with Current. I was at work when I noticed, I work and live in XXXX XXXX XXXX. I immediately called my bank and let them know of the transaction and that it was made with my digital card. They cancelled the card and issued me a new number and open a dispute for the amount. I tried calling the establishment but never got through. The same day I notice more transactions at the same XXXX XXXX XXXX but on my XXXX credit card, I called and informed them as well and they issued me a new card and open disputes for those transactions. After a few days, XXXX card gave me full credit for the transactions marking them as fraudulent. Unfortunately this was not the case with my bank Current, the emailing me letter me know that they did not see anything fraudulent with the transaction. I replied with an appeal and even included the disputes from XXXX bank to show them that this had happened to another one of my accounts and that it was in fact fraudulent since there was no way I could have made those purchases. They still said that there was not enough evidence showing that this was made in error or that it was fraudulent even after speaking to them on the phone.
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

I was affected by XXXX and the XXXX at XXXX XXXX  apartments wasn't taking the XXXX funding from the government to help with back rent that was owed due to XXXX XXXX
Consumer complaint received 2024-04-16
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I dont even know where to begin? okay so theres an accout reporting from FCO, that doesnt belong to me. Apparently, someone obtained an apartment in my name. i sent the affidavit months ago. i was later advised that i was required to send my lease that showed my residents from XXXX. I reached out and called the collection agency in XXXX of this year. I was informed to email leases which i did, and until this day, IN XXXX i have yet to recieved a follow up or resolution. i just dont know who to turn to at this point. Im asking for a removal of account from profilel ACCOUNT # XXXX XXXX XXXX XXXX WAS THE REPRESENTATIVE I CORRESPONDED WITH IN EMAIL
Consumer complaint received 2024-04-17
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX BALANCE : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX, XXXX Asked for a proper investigation, to provide me with a contract bearing my signature showing that the debt belongs to me. They did not provide me with the information. XXXX has removed my student loans with Aidvantage due to not being able to verify
Consumer complaint received 2023-08-31
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I opened a care credit account to purchase XXXX XXXX I was told I would have no interest for 24 months and then it would be between 29.99 % - 39.99 %. On XX/XX/2023 when the two years was up they charged me {$1300.00} in interest fees. I called and they said that was correct but they never sent any further info stating they could charge me over XXXX XXXX XXXX interest. In fact, to this day, they've never even sent me the card so I can only supply you with the last four digits I can see on their online portal. 

On the phone today they said I had to pay interest on the principle balance from my initial purchase only. My purchase was {$2400.00} and I had paid it down to {$1000.00} until I used the card at a vet to care for my sick cat. So per their own information I should only be charged interest on that {$1000.00}. 

This is predatory lending and I would have never agreed to this, ever. I have spent my life as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I read all the fine print before I sign anything. This bank is actuing fraudulently and in doing so have overdrafted my account and are ruining my credit. 

I have made more than the minimum payment, on time, every month since I opened this account.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MS)

I cancelled my XXXX services on XX/XX/XXXX. XXXX sent notice that they owed me {$3.00} on XX/XX/XXXX and did not send me a refund. XXXX attempted to charge me for services XX/XX/XXXX that were cancelled XXXX XXXX that had been paid in full. 

Today, XX/XX/XXXX I received another notice of a new debt collection attempt. This is the third debt collector to contact me in regards to a debt that is not owed. The previous 2 agencies ceased debt collection and it appears had been handed over to a 3rd collector who is now contacting me.
Consumer complaint received 2024-05-10
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)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 2020-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I was contacted approximately 60 days ago about a debt from a company that i had never heard of by IC Systems. The collector said I knew who it was and I needed to pay the bill. I made the collector aware that I would not pay a bill that I did not owe and if he couldn't validate it I wanted no more calls. 60 days later its on my credit as a collection. I still have no idea about the bill.
Consumer complaint received 2024-05-10
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. (SC)

I recently reviewed a copy of my credit report. I was shock to find that I have been a victim of identity theft I found numerology accounts on my credit report that was not open by me. This has been hurting me as I am in the process of buying a home for my family please remove the fradualent accounts from my report as soon as possible.
Consumer complaint received 2024-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company has failed to respond to me in a timely fashion to an urgent matter involving my consumer report. They are inaccurately reporting fraudulent and false information on my consumer report without my consent violating my rights to privacy. They are reporting Late payments on an account that is reporting inaccurately I provided a screenshot image of consumer report showing the inaccurate information. XXXX with the account number XXXX is the account in question. This is completely inaccurate. This account was paid on time and was never late. I sent multiple letters regarding the inaccuracies but they are failed to provide me responses. I sent out dispute multiple times now but still they are reporting it negative.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (FL)

I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-11
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX and XX/XX/XXXX, XXXX different credit inquiries showed up on my credit reports that I did not recognize as I was not applying for a credit card at all. The names of the inquiries were XXXX XXXX XXXX and Capital One.
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

See Previous CFPB Complaint XXXX regarding EdFinancials failures with their website and AutoPay. This complaint was Auto Closed after EdFinancial responded with a non-response that did absolutely nothing to resolve the issue. As a direct result of everything in my last complaint, it cost me a 0.25 % APR reduction through no fault of my own. It is unacceptable that I shouldn't be granted to capacity to benefit from this provision they marketed. It constitutes misleading or false statements. EdFinancial needs to recalculate my student loan retroactively applying the 0.25 % APR reduction to Day 1 of the repayment of the loans ( XX/XX/year> ) as my activities -- had their system not continually malfunctioned -- would have had my loan in AutoPay by the first payment date. I will not accept what amounts to a penalty APR for the months leading up to the eventual enrollment in AutoPay that didn't happen until they completely moved their website to a different host. They also need to retroactively post my payments as if they arrived on the Due Date each month. My basis for this demand is that I got confirmation emails stating my AutoPay was successful, but then AFTER the due date, I'd get an email saying it was NOT successful. This is very misleading and cause payments to be late and additional interest to accrue. After this recalculation is done, my loan balance needs to be adjusted/reduced.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I HAVE REQUESTED INFORMATION ON THIS ACCOUNT SEVERAL TIMES, ASKING THEM FOR THE METHOD OF HOW THIS ACCOUNT WAS OPENED AND ALSO THE ORIGINAL SIGNATURE ON THIS ACCTOUNT. THEY REFUSED TO SEND ME ANYTHING KEEPING ADVISING THAT THE ACCOUNT IS SOLD TO ANOTHER LENDER. SO WHY IS IT STILL BEING REPORTED TO THE CREDIT BUREAU BY THE COMPANY AS LATE.NO VALIDATION AT ALL SENT TO ME LIKE REQUESTED SEVERAL TIMES..