davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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)

I sent XXXX a dispute on XXXX XXXX regarding accounts that are reporting on my credit file as a violation. I asked them to send me proof that they had the right to report a lates payments on my file, and to send me the information that they can legally do this according to the FCRA. This is illegal. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2022-08-22
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: Affirm Holdings, Inc (TX)

On XX/XX/XXXX made purchase through XXXX proceeded to check out was asked if I wanted to be approved through affirm, I was approved and stated my account would be transferred to affirm. Next day my XXXX dollar purchase was with drawn from my own personal account through XXXX. I alerted affirm and XXXX! Affirm stated XXXX said purchase was accurate even after i provide transactions from my bank .I provide transaction numbers to both parties showing where it had been taken from my personal account.. I spoke to XXXX representative stated they saw where they had came from my account but could not contact affirm I needed to. Affirm will not cancel the loan because they stated they had sent funds to XXXX. They need to verify the account and neither party has every time i reach out and it has been disputed with the collection agency and they stated affirm confirmed account but did not provide record of this
Consumer complaint received 2024-11-20
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX : {$8800.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$25000.00}
Consumer complaint received 2022-08-12
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-12
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: AMERICAN EXPRESS COMPANY (NY)

This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. 

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

For months, I occasionally get something in the mail from a company known as XXXX. It says I owe XXXX over {$5000.00} for some account. I honestly can't even find the XXXX sheets anymore because I trashed months ago ( thinking this was over ). When I brought to the XXXX store XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( and numerous phone calls ), they said that the account numbers I gave them show nothing, they knew nothing of a XXXX, and it looked like a Fraud Scam to them ( that is when I trashed ). 

Now, TransUnion has decreased my credit XXXX points about some XXXX account. 

Also, I called Transition this morning, I recorded a full video of the conversation. They told me that they would report fraud on their end and that I needed to report something with you all, then call them back with a report # that you give me ( which is RIDICULOUS ). After persistently requesting official documentation that she was submitting a report as she offered, I was instead hung upon on ( I have this fully documented ). 

Transunion is a SCAM credit reporting service. I wouldn't be surprised if they opened a fraud XXXX account under my name. My credit score is FROZEN and has been for a while. Enough is enough.
Consumer complaint received 2022-05-27
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ragan & Ragan, PC (GA)

Violation of the Color of Law, there has NEVER been any lawful contract, agreement or obligation between this creditor and myself, if or when this creditor purchased the alleged debt without my consent, knowledge or approval, any and all obligations were satisfied under the TRUTH IN LENDING ACT, 15 USC 1601 and 15 USC 1602. If there was any language within the original contract, agreement, promissory note that would have caused me to unknowingly violate any of my rights then or now I rescind pursuant to 15 USC 1693l and 15 USC 1635. 

It has also come to my attention that the Attorney XXXX XXXX XXXX, XXXX on behalf of his client XXXX XXXX XXXXXXXX routinely and habitually violate federal law concerning consumers pursuant to the Truth In Lending Act and The Federal Arbitration Act ( FAA ). 

Both XXXX XXXX XXXX and their Attorney of Record XXXX XXXX, XXXX unlawfully defraud consumers and the United States by seeking and being granted default judgements against consumers knowing the contracts have a mandatory ARBITRATION CLAUSE. 

The " cover PERSON '' XXXX XXXX and their attorney XXXX XXXX XXXX, XXXX who they keep on retainer as a normal business practice run a ruse on the court by falsely and misleading representing to the court, that the court has jurisdiction while the attorney of record XXXX XXXX XXXX clearly knows it does not! The default judgement was only granted by the deceptive forms pursuant to 15 USC 1692j the attorney of record presented to the clerk of the court. 

See attached Loan Agreement and Promissory Note which clearly outlines ARBITRATION, which the attorney of record conveniently and purposely ignored informing the court. 

See attached Civil Action File by attorney of record XXXX XXXX XXXX, XXXX who purposely lied to the clerk of court in his filing by stating the Court had jurisdiction when it CLEARLY DID NOT!!!!!!
Consumer complaint received 2022-08-12
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. (NY)

There seems to be an error on my consumer report furnished by ( XXXX ). On my consumer report, there are late payments reported which is causing damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( XXXX ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2023-07-04
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-08-12
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. (NY)

There seems to be an error on my consumer report furnished by ( Experian ). On my consumer report, there are late payments reported which is causing damage to me as a consumer and limiting my ability to extend credit. I allege that ( Experian ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( Experian ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( Experian ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2023-07-04
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX TransUnion, LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XXXX Dear Transunion, On XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding the following accounts on my credit report : XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX  XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that XXXX cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( XXXX ) and Miller v. Equifax Information Services LLC XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2022-08-12
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. (GA)

In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX**********has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paramount GR Holdings, LLC (CT)

My lender ( Goodleap ) was making advanced payments to my contractor ( XXXX XXXX ) prior to work being completed, permits taken, inspections passing and XXXX issued. My lender also did not do their due diligence PRIOR to paying contractor. When I received the news that XXXX XXXX went out of business without finishing the whole project I asked Goodleap to cancel my contract as it was just starting and the project was not finished. They refused and told me I would have to find another solar company for maintenance of my panels. Goodleap is threatening to put a lien on my house if I dont make our monthly payments. There were many violations that XXXX XXXX violated and was obvious to Goodleap. I emailed Goodleap informing them that the panels were not producing and that XXXX XXXX still had to take down an XXXX tree that the canopy covers our whole roof ( without the tree coming down the panels are useless ) and they ignored me. I also have requested the following documents to be sent to me A copy of the complete file -The agreement between Goodleap and XXXX XXXX -Documents from Goodleap confirming each milestone installation ( s ) were met with XXXX XXXX ( photos, receipts, permits, inspections etc ) prior to releasing payment. 
-Documents authorizing Goodleap to release payments, on consumer 's behalf, to XXXX XXXX XXXX 
-Documents authorizing Goodleap to accept payments, on consumer 's behalf to and from XXXX XXXX XXXX 
-Documents from either the State or Federal Government crediting Goodleap for any solar incentives. 
and any documentation giving Goodleap permission to pay XXXX XXXX in advance without my consent. 
Ive been calling and emailing them but they are not trying to help in any way. They payed XXXX XXXX right at the beginning without even asking if everything was done. This is a scam and they know it. Goodleap has done this same scam with other solar companies that went out of business too. 
I originally asked Goodleap for the {$5000.00} XXXX XXXX had added to the loan for the tree cutting ( that they didnt specified in the contract because XXXX XXXX said that they had a contract with a tree company so they would take care of that, but they didn't ) and they refused. Now I dont want anything to do with Goodleap . They are a scam.
Consumer complaint received 2022-08-12
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account XXXX Account Name : XXXX, Account XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, 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 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 XXXX 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.