davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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)

Hi I am submitting this 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 n 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 us rept but they refused they had me on mute for 4 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-03-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TX)

The below collection agency is providing false information regarding an old account that was closed and charged off in XXXX. The dates of the charge off is incorrect, the amounts are incorrect, the reason for the debt is incorrect and the aging dates are incorrect. 

The agency is reporting the old debt as new on my credit report and updating the report each month. In addition to the credit report update the agency is sending offers letters to my home address. 

I have disputed this account several times. Each time I dispute, the agency update the date the debt is expected to fall off my credit report to a later date. In doing this, it's affecting my debt to income ratio. I've tried to resolve this issue with the credit bureau and collection agency and have been unsuccessful. 

Debt was expected to be removed from my account XX/XX/XXXX and have now been updated to be removed to XX/XX/XXXX Radius Global Solutions XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AL)

I had to do a debt relief package and Commenity Bank XXXX XXXX Credit Card has refused to work with the agency. I can not obviously pay, otherwise, I would have by now. 
They are calling me and texting relentlessly. They have now taken to calling my ex-husband who does not even live in the same state and we have not been married since 2012.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Got a message that they were unable to identify me. The questions seem to be trick questions, and difficult to answer unlike the other two credit agencies. I have noted this whenever I try to get my free annual credit report. Trans-union is also the only credit agency where I have found errors in my reports in the past, and it has been difficult to fix them. I think Trans-union does this on purpose and should be investigated for possible collaboration in identity theft.
Consumer complaint received 2022-11-19
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance Owed : XXXX
Consumer complaint received 2022-06-22
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-11-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (AR)

I, XXXX XXXX received a letter from Sequium Asset Solutions on XX/XX/2021 in reference of a Debt for XXXX original creditor XXXX. On XX/XX/XXXX I wrote a notice to dispute the Debt and requested for validation of this debt with competent evidence that I have legal obligation to pay Sequium Asset Solutions LLC. For this debt. I mailed my notice on XX/XX/2021 certified mail. This debt has never been validated by Sequium Asset Solutions LLC and my notice for validation was sent within a timely manner of the 30 days of validation. Sequium Asset Solutions took it amongst themselves to assume that this debt was valid and completely ignored my my rights and my request for validation by not validating this debt or any portion thereof before reporting this debt to credit reporting bureaus slandering my name and damaging a portion of my credit. Sequium Asset Solutions also stated in their notice to me pertaining to this debt. That I should, '' please be advised this matter will not be reported to a credit reporting agency until 30 day validation notice as stated below has expired or validation has been sent to you. '' So Sequium Asset Solutions intentionally assumed that I let validation letter expire without requesting for validation within a timely manner and there was no reason for validation to be sent so this debt is valid. Intentionally taking away a consumers right to request for competent evidence.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc. (TX)

This account has a date of XXXX. The reporting date was updated multiple times to keep the account on my consumer report. Texas law states that a negative account can remain on a consumer report for up to seven years. This means the account can come off the consumer report before seven years. There is no reason this account needs to remain on my consumer report. I did not consent to having this account on my consumer report. 15 USC 1981 ( a ) ( 3 ) ( a ) states reasons for a consumer report to be produced outside of my written consent or " ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ''. This account was created using my social security number and I am sure there was an exchange of cash for possibly a deposit. This would not be a credit transaction this would be a retail installment account.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2021-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CT)

On XXXX XXXX while using our Bill Pay account with XXXX  XXXX XXXX, we inadvertently sent our mortgage payment of {$4400.00} to an outdated account we had at XXXX XXXX. I immediately realized the error and called Bill Pay at XXXX  XXXX XXXX. The representative informed me that once the button was clicked on the XXXX  XXXX XXXX website they could not cancel or refund the payment even though they could plainly see the error in their system since we had been paying our mortgage payment of {$4400.00} for years on their system. They advised me that I would have to wait several days until the transaction settled. I called back on XX/XX/XXXX and XXXX  XXXX XXXX informed that XXXX was closed for the XXXX XXXX weekend. They advised I call back in XXXX. I did so on XX/XX/XXXX. It turns out that XXXX had apparently declared bankruptcy in XX/XX/XXXX and that all payments were directed to Synchrony Bank. I then spoke to several employees at Synchrony Bank after spending a total 4-5 hrs on the phone with multiple disconnects and wait times ( I believe this was an intentional strategy on their part to discourage me from pursuing the matter ) I was able to speak with a supervisor named XXXX who ostensibly located the deposit after I provided all pertinent information regarding our old account number with XXXX as well as a wealth of personal information. I was assured refund would be received by XX/XX/XXXX. When no refund was received I called back Bill Pay at XXXX  XXXX XXXX as well Synchrony Bank. It was essentially starting all over with Synchrony Bank as they denied an prior knowledge or records despite their constant reminder we were on a recorded line.Someone there named XXXX advised me to wait several more days as " the check was in the mail '' despite not giving me and confirmation number or email with a contact person. After waiting and additional week no check arrived, once again I contacted both XXXX  XXXX XXXX and spoke to XXXX and XXXX at Synchrony Bank who who were unableto provide any additional information. Synchrony Bank continues to hold my {$4400.00} which they are aware is not their money and is not willing to refund what was a mistake of simply pressing the wrong button. As a consequence of this we have fallen behind on our mortgage payment.
Consumer complaint received 2022-02-15
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management paid in full still on my credit file XXXX XXXX XXXX XXXX I asked them to pay but don't want to take payment reported to the credit reporting agency put lean on my house. 
XXXX XXXX paid in full is still on my file XXXX XXXX paid in full still on my file
Consumer complaint received 2022-02-15
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX CLOSED Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX,. In your complaint, you indicate that an inaccurate account continues to report to your credit report. You are requesting the removal of the inaccurate item. According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your XXXX credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX, or visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 


I received the latest report, which the company sent Report # XXXX dated : XX/XX/XXXX The inaccurate information, which they have stated that they have removed is still there under Inquiries : CAP ONE NA - Address ID : XXXX Date XXXX Item is highlighted in the attached pdf file.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MT)

RE : XXXX Account Number Ending XXXX XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$370.00} Check as Stated Paid in Full per Settlement Letter XXXX : Cease and Desist Letter due to Comenity Placing Repeated Calls to Work Phone XXXX : Comenity Bank Still Report on my Credit Bureau and Still Repeated Calls to Work Phone
Consumer complaint received 2022-06-22
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-10-12
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: U.S. BANCORP (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates I am disputing will be between XXXX XXXX of 2022
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

This is for commenity bank. I have a 0 % interest loan that needed to be paid by XX/XX/2022 to not incur back interest. Im unable to pay and can not reach the company. The back interest will probably come to XXXX dollars and should not have to be paid since I went to payoff the correct amount at the correct time and was not able to.
Consumer complaint received 2022-06-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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