davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Services, Inc. (OK, TX) (OK)

I received a notification from XXXX on XX/XX/year> that a collection was added to my credit and I logged into my account to review it. I contacted the creditor on XX/XX/year> to inquire when they attempted to contact me via email, mail or phone and the debt collector by the name of XXXX told me that a letter was sent sometime in XXXX to my current address however, I never received it. I asked if he could please send me a copy of the letter which should have the date of XX/XX/year> on it and he said well its not going to have that date but I can send you a new one. I told him you should be able to just send me a copy of the letter and he said it wouldnt have that date. I told him that I was submitting a complaint with the cfpb as they failed to provide a written notice of the debt, which did not give me the opportunity to request a validation of debt letter. I called again to gather more information about when the letter was sent and he advised that he had flagged my account as a dispute and that automatically by doing the negative reporting would be removed from my credit which I find very suspicious if they did their due diligence why would they do that? He then asked if I wanted a copy of the letter they sent to me and I said yes and I viewed the letter and it does have a date on it of XX/XX/year> which I find it very suspicious that now it does have that date as he had previously told me it didnt. I think that this letter has been altered to reflect this date.
Consumer complaint received 2023-12-30
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. (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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights . Or list of inquiries 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 2024-04-30
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: Uplift, Inc (GA)

XXXX accounts appeared on my credit report indicating XXXX loans had been taken the first XXXX on XX/XX/2022 for {$730.00} and another on XX/XX/2022 for {$850.00} from Uplift IncXXXX located at XXXX XXXX XXXX XXXX XXXX California XXXX those accounts went into collection and now have been charged off causing my credit score to drop drastically. I have disputed these transactions XX/XX/XXXXwith XXXX as being fraudulent and both times their investigation was reported as accurate. How can that be possible when i have never heard of this company nor have i been to XXXX California. Nor have i ever applied in person or online for any loans from this company nor have i authorized or cosigned for anyone to get these loans. The only loans i have or have applied for in the last XX/XX/XXXXyears is a mortgage and a car loan. if you look at my credit report you will see that i pay all my creditors on time. It appears that who ever acquired these loans made a payment or payments because the original amount was {$730.00} but the charged off amount was {$510.00} where as on the other loan the original amount was {$800.00} but was charged off as {$850.00}.
Consumer complaint received 2023-11-06
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: Affirm Holdings, Inc (PA)

THIS IS NOT A DUOPLICATE COMPLAINT. 
IT PROVIDES NEW REQUESTS AND DOCUMENTATION. 


To Whom it may Concern, XXXX continues to not report a third ( two have already been submitted ) positive account on my credit history despite attempts to get them to do so for over a year. This account is in good standing and has never been late and was always on time with no missed payments. 
This is hurting my credit rating and history dramatically. 
Affirm has also been contacted and asked to submit a correction to both XXXX and XXXX XXXX as XXXX is also not reporting it. ONLY XXXX is reporting the item. I have attached their report containing the file information as it should appear on both XXXX and XXXX. 
Ironically XXXX and XXXX XXXX both continues to report FRAUDULANT items on the report while not adding these valid positive items. 
I was a fraud victim and they have been notified dozens of times about the fraudulent item still in question, a XXXX XXXX account, that is not mine. They were provided a Law Enforcement ( XXXX XXXX report, as well as FTC, CFPB, XXXX  and additional supporting documents that validated the claims. 
These items should be blocked immediately, as I was also medically unable to make decisions for myself at the time, and can not be held legally liable for them as such. Both the fact I am legally disabled still from that accident and the XXXX supports that, and the XXXX report showing I was the victim of financial exploitation of a vulnerable adult bear the burden of proving this fact. 
Id ask this account listed from Affirm be added immediately to the report. 
The agency has all the information it needs to identify and contact the vendor to make sure this happens. 
I would also ask the other account from XXXX XXXX, and fraudulent inquiries from XXXX and XXXX XXXX XXXX on the XXXX report be removed immediately as I was denied housing due to too many hard inquiries and the fraudulent account. 
Following is the demographic information needed for the dispute process. 
My ID ( passport ) is attached My Utility ( XXXX  XXXX XXXX is attached XXXX  Payoff Letter attached Affirm account ( information provided by XXXX and then confirmed by phone with Affirm )
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THIS IS NOT A DUOPLICATE COMPLAINT. 
IT PROVIDES NEW REQUESTS AND DOCUMENTATION. 


To Whom it may Concern, XXXX continues to not report a third ( two have already been submitted ) positive account on my credit history despite attempts to get them to do so for over a year. This account is in good standing and has never been late and was always on time with no missed payments. 
This is hurting my credit rating and history dramatically. 
XXXX has also been contacted and asked to submit a correction to both XXXX and Trans Union as TU is also not reporting it. ONLY XXXX is reporting the item. I have attached their report containing the file information as it should appear on both TU and XXXX. 
Ironically XXXX and Trans Union both continues to report FRAUDULANT items on the report while not adding these valid positive items. 
I was a fraud victim and they have been notified dozens of times about the fraudulent item still in question, a XXXX XXXX account, that is not mine. They were provided a Law Enforcement ( XXXX  ) report, as well as FTC, CFPB, XXXX  and additional supporting documents that validated the claims. 
These items should be blocked immediately, as I was also medically unable to make decisions for myself at the time, and can not be held legally liable for them as such. Both the fact I am legally disabled still from that accident and the XXXX supports that, and the XXXX report showing I was the victim of financial exploitation of a vulnerable adult bear the burden of proving this fact. 
Id ask this account listed from XXXX be added immediately to the report. 
The agency has all the information it needs to identify and contact the vendor to make sure this happens. 
I would also ask the other account from XXXX XXXX, and fraudulent inquiries from XXXX and XXXX XXXX XXXX on the TU report be removed immediately as I was denied housing due to too many hard inquiries and the fraudulent account. 
Following is the demographic information needed for the dispute process. 
My ID ( passport ) is attached My Utility ( XXXX XXXX XXXX is attached XXXXXXXX XXXX Letter attached XXXX account ( information provided by XXXX and then confirmed by phone with XXXX XXXX
Consumer complaint received 2024-05-13
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-19
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. (CA)

Auto loan purchase in 2018. This loan appears on my credit report and I was made aware of this credit line from a potential lender. I contacted the creditor XXXX XXXX XXXX and they had no information that aligned with my identity for me to be held liable for the loan. I had no awareness of the vehicle in question.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX. This address belongs to Georgia XXXX XXXX XXXX. 
Sequium Asset Solutions , LLC Sent a bill in attempt to collect a debt of {$100.00} claiming to represent XXXX XXXX XXXX Date of letter : XX/XX/23. I contacted XXXX formerly charter communications directly. I am not an account holder. Spectrum has no knowledge of this alleged account and does conduct business with the debt collection agency XXXX XXXX XXXX, XXXX. This information was verified by XXXX customer service and billing department. This is a fraudulent attempt to collect a fraudulent debt.
Consumer complaint received 2023-08-08
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Syncrony Bank only has reps answering the phone that read a script. I called four times and submitted a message online, I was hung up on 4 times! I have an Ashley account that I started making by weekly payments that exceed the required payment, and began to make them before the first payment was even due. Hence, I am ahead on payment!!!!!! I have bank statements showing this being paid to them every two week, as well as, my acount on their website showing it was recieved. They have me as a past due and showing a {$9.00} payment past due with a {$30.00} late fee, I pay XXXX a month, more than is required! I have never been late I am paid in advance and always have been.They have charged me interest for months on payments that were not even due yet. How can you charge interest on something that isn't due? This company smacks of fraud, and are simple highway robbers! They have not one person quialifed to fix mistakes or even acknowledge that there is one. I am demanding they correct this and reiumburse me ASAP. I intend to file complaints with the FDIC and the OCC. I have atteched the papertrail of payments made to this bank ... ... or lack thereof
Consumer complaint received 2023-01-25
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-06
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. (NV)

I do not recognize these credit inquiries on my credit report and I ask for them to be removed and the credit bureaus did not do as I ask 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

I paid my balance off in full on XX/XX/year>, prior to the closing of monthly statement on XX/XX/year>. I was told the statement closes on XX/XX/XXXX, but actually closes on XX/XX/XXXX. Despite having paid it in full prior to the close of the statement, they are charging me interest in the amount of {$150.00}. I have called numerous times and requested the policy by which this is permitted and I am repeatedly told they had to see I am making monthly payments and that I had to pay in full prior to XX/XX/XXXX, which I clearly did. They will not take the charge off the account and told me I have to pay it. They hung up on me when I repeatedly asked for information on how this is permissible and their policy that directs it. My payment is due on the XXXX and they say I have to pay it, despite me not receiving anything that permits them to charge interest after it is paid in full. 

My statements have only ever said APR on the bottom and have never reflected an interest on balances that do not exist or would otherwise make me responsible for interest accruing despite me having paid in full. 

Additionally, the terms outlined in the statement demonstrate that " Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest if you pay your Purchases subject to interest ( excluding XXXX XXXX Offers ) plus any monthly XXXX XXXX Payment Amount in full by the Payment Due Date every month. '' Therefore, if the due closes at least 23 days after the closing of the billing cycle, which i was told was the XXXX of the month. I paid before XX/XX/XXXX and therefore, by their own terms they can not charge me interest when paid in full pursuant to their own terms.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to voice my concern regarding the unresolved issue related to my vehicle loan account, which was recently taken to court and subsequently settled on XX/XX/2023. It has come to my attention that despite the court settlement, XXXX XXXX XXXX has failed to update my credit profile with accurate and updated information. This action is not only unprofessional but also violates the provisions and rights outlined by the Fair Credit Reporting Act ( FCRA ). 

I would like to reiterate that the matter in question was brought before a court of law, where a settlement was reached, outlining the terms and conditions for resolving the dispute. As a responsible consumer, I have abided by these terms and promptly fulfilled my financial obligations as specified in the settlement agreement which was for the amount of XXXX. This amount was paid in court in front of the judge in the form of a cashier 's check. 

However, to my dismay, the inaccuracies regarding this account persist on my credit profile. This erroneous reporting has adversely affected my creditworthiness and financial well-being, hindering my prospects for accessing credit when needed. I believe it is within my rights as a consumer to have accurate information reflected on my credit report, as enforced by the FCRA. 

I have reached out to the creditor multiple times and nothing has changed or has been resolved. I have disputed this account with all XXXX credit bureaus and provided them court documents to prove the inaccuracies and it still came back as " VERIFIED '' by the creditor. 

I trust that you will address this matter expeditiously and amicably, understanding the significance of maintaining accurate credit reporting. I strongly believe that our dispute has been amicably resolved in a legal setting, and it is, therefore, imperative that the creditor uphold their obligation to report this correctly to the credit bureaus.
Consumer complaint received 2023-09-27
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. (MD)

I filed a dispute with CFPB on XX/XX/2023. 



As of this date, I have not heard from the credit bureau regarding a resolution to the inaccurate accounts reporting on my credit report. 

The following accounts were disputed : Account Name 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
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I, XXXX XXXX, the consumer and natural person, was denied credit by Discover when I applied for a Discover XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
XXXX XXXX is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. Discover is in violation of 15 U.S. Code 1642, U.S.C 1681m AND 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.