davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, and XXXX  is reporting time barred debt 4 yrs ,8 yrs, to 13 years past the statute of limitations for credit reporting, state tax liens, judgements, public records on my credit report, voluntary repossessions over 8 yrs old, and reporting credit card payments late, even after I provided a letter of evidence to them from the credit card company that my payments were on time, and account is in good standing instead of having 6 months late payments on my history, they are re inserting debt on my credit without any legal notice, the accounts for XXXXXXXX XXXX XXXX were disputed in the past and then removed XXXX XXXX bureaus and XXXX XXXX XXXX XXXX sold the 2 debts to XXXX XXXX, XXXX XXXX re-inserted the debt without any 5 day legal notice, or warning, and I have no legal binding contract or debt with them it is not mine, tby law they have to remove it for good, the creditors, and credit bureau were being deceptive, and they refuse to remove them, I have had numerous problems with this company, I have even requested 3 years worth of phone records, they are willfully, and negligently violating the fair credit reporting act by remaining to keep these items on my credit report even after evidence has been forwarded by complaint to them from the consumer financial protection bureau,. The credit bureau claims over video recording that they will remove the judgements, and state tax liens, and correct any I formation on my credit report that doesn't belong on there, Still nothing is done, they are walking all over my credit, and laughing about it, I guess they think that I am a consumer who will not do anything, but file complaint after complaint. This time I am requesting the consumer financial bureau instruct the credit bureaus that I will be hiring an consumer protection lawyer to file a law suit against transunion, XXXX, and XXXX for their deceptive willful negligent practices.
Consumer complaint received 2022-10-13
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. (MO)

I called the TransUnion, XXXX, and XXXX Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading and inaccurate to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe that the Credit Bureaus have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, # XXXX, and # XXXX and hoping that the following account be immediately corrected and or deleted on my Credit File : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  # : XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2021-08-07
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. (GA)

Transunion refused to help me with removing these hard inquiries thats not mine.under the FCRA they are supposed to help and make sure it is accurate. These inquiries do not belong to me and is hurting my ability to purchase a home and get funding. I have contacted them numerous times and they refuse to help and keep me on hold for hours each time. They was very hard to under stand and three reps refused to let me speak with a supervisor. The inquiries are listed below. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX  XXXX  ran my credit with out permission and in a email they say they can as many as times as they like Please delete this inquiry I did not give permission if not please show me giving them permission to run my credit
Consumer complaint received 2021-08-08
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. (FL)

Upon checking my report, i realized a medical bill for services, I'm never received. Ive never done busniss with XXXX XXXX XXXX or entered into a signed contract with this company. The account is fraudulet, please see attached ftc report.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with XXXX XXXX XXXXXXXX since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for six months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted XXXX XXXX XXXXXXXX XXXX  XXXX, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per XXXX XXXX XXXXXXXX, but they are reporting a balance of XXXX to the credit bureau 's. XXXX XXXXXXXX XXXX game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both XXXX XXXX and Experian regarding my balance. They both conducted investigations. The results are per XXXX XXXX XXXX the balance is reported accurately. 

XXXX XXXX  XXXX is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.
Consumer complaint received 2022-06-19
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. (NC)

I applied with XXXX XXXX for a credit increase on XX/XX/XXXX and was denied because there is a recent delinquency shown on my credit file from Experian that doesn't belong to me. XXXX is the creditor listed for {$500.00} it was opened in XXXX and it doesn't belong to me. Also, I do not see this creditor on my credit report yet Experian is reporting this information to XXXX XXXX.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit Acceptance reopened my account on my report on XXXX  and XXXX XXXX is still showing closed. All three reporting show different balances. I tried to dispute on XXXX  but is not able to. Please delete Credit Acceptance for report for inaccurate reporting.

XXXX  : Balance : {$0.00} ( reopened ) reported XX/XX/XXXX XXXX  : Balance : {$5200.00} ( reopened ) reported XX/XX/XXXX XXXX  : Balance : {$5200.00} ( closed XXXX XXXX ) reported XXXX XXXX
Consumer complaint received 2021-08-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (SC)

This is my second complaint against this company about a consumer credit transaction that I entered with them on XX/XX/2017. I informed them that they were in violation of the Truth in Lending Act which is in place to inform consumers the cost of credit. They violated law 15 USC 1605 any consumer credit transaction that includes a finance charge ( the sum of all charges ) must include insurance. They used my credit card ( 15 USC 1602 ) for my open end consumer credit plan which secured the {$32000.00} on my behalf I was responsible for the finance charge which was {$7700.00} for them extending my credit. The denied me of a right to rescission under the Truth in Lending act ( 16 USC 1635 ) which states ( in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day ). Unless this company doesn't have to abide by federal law I demand to be compensated for the illegal doings of this company. They even admitted to taking my property using a 3rd party to come to house which is infringement on my privacy. They are reporting this account to my consumer report and I am using ( 15 USC 1692c ) to cease communications directly and indirectly until I receive my specified remedy. This will be reported to the attorney general and I am seeking legal advice to take this matter to the next level if we can't come into an agreement.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I was affected by XXXX  inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called XXXX  multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus. 

The list of inquiries that should be removed from my credit report immediately are as follows : XXXX  : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX XXXXXXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 6 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Experian  : 1 ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A XXXX  : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC (TX)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

Paypal charged me XXXXUSD they kept for 180 Days After account suspension. 

After my account was frozen, PayPal has taken the entire money frozen in my account. No communication and no emails about the money stolen. When I enquired - I got an auto-generated email. 

I have read the PayPal 's Policy Policy before signing up for PayPal and strictly follow PayPal 's Policy when using it. 

However, PayPal said I violated their Acceptable Use Policy but never tell which action violated, I am sure I never did anything violated Acceptable Use Policy. And they stole all my money saying it was compensation for their loss. 

Please tell me which of my actions or transactions violated PayPal 's Acceptable Use Policy and caused losses, if not they should return my money! 

I called paypal and they always give me an email to contect, and I kept sending emails and messages to PayPal, they always reply the same thing. 

And their contracts are unconscionable, for example, if your transaction that violated the AUP was for like {$30.00}, and they charge you {$2500.00} for it ( or worse, empty your whole account ). For example ( I put this legal case in Attach documents ), There's a good case study in Delaware 's view of " unconscionable contracts ''. I think a solid argument using the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX can be made.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MA)

I filed a dispute on XXXX  thru Experian in XXXX & XXXX XXXXas 3 months was missing stating I did not pay the monthly amount on a modification I had started with XXXX  on XXXX XXXXwhich I PD on XXXX XXXXbut on Experian it states PD XXXX XXXX but references XXXX  and was for XXXX XXXX {$2100.00} 2nd mod PD end of XXXX XXXX {$2100.00} for XX/XX/XXXX last payment for Modification was XXXX XXXX for XXXX XXXX for {$2100.00} those were the 3 modification payments Start in XX/XX/XXXX, - XXXX XXXX disputed the dates & XX/XX/XXXX said no payment i am going to The XXXX XXXX XXXXXXXX tomorrow to get payments sent to XXXX  from XXXX XXXX, XXXX. Which will prove XXXX received the monthly payments. The Attorney Generals Office in XXXX reached XXXX & had my percentage rate reduced from 5.0 % to 3.375 % and my monthly payments were reduced to {$1900.00} per month. When I was emailed from Experian that my dispute was ready checked Experian put in No Payments for XXXX  which also Reduced my mortgage Fico Score for mortgage from a XXXX and put down to a XXXX for Mortgage this should be made right I paid as I was suppose to in XXXX  after Fraud/Identity Theft!
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was affected by TransUnion inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called TransUnion multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus. 

The list of inquiries that should be removed from my credit report immediately are as follows : TransUnion : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXXXXXX XXXX : 1 ) XXXX XXXX XXXX XXXX 
XX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A XXXX  : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was hit by the pandemic like everyone else, we all was caught off guard. I even notified the company that my XXXX XXXX payment would be late and i was told it would be ok without any penalties due to the pandemic, so im asking for a good cause forgiveness as told to me. 

Im requesting that XXXX XXXX XXXX, removed the late payment ( XX/XX/2020 ) thats on my credit file.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I recently refinanced my vehicle loan through XXXX XXXX XXXX XXXX. Unfortunately, I also experienced some unforeseen circumstances ( Ive been XXXX  with XXXX and also paying for my XXXX, XXXX, XXXX  ) that prevented me from making my payment on time. I paid my payment 25 days late ( XX/XX/XXXX ) but paid it to a zero balance. I paid this payment with a debit card and the funds were immediately deducted from my account a and a receipt provided. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported that my payment was 30+ days last due. This was reported to Experian and XXXX, unsure of XXXX. I reached out to the XXXX and was informed that it took 4 days for my payment to post which was then 30 days and that they would remove it as a one time courtesy. I disagree with these business practices because even if they do remove it, Ill have 30+ days of an incorrect credit report. At a time where I may need to apply for XXXX XXXX to keep up with my medical expenses. Also, it doesnt seem like a courtesy when I wasnt actually 30 days late in the first place. There was no notification that if I paid with a debit card that their system would take 4+ days to reflect a payment on their end. They took it from me immediately with no issue. What possible payment method would post faster than debit? None! Im so disappointed with the lack of care and concern from XXXX and that this will happen again in the future because its their policy. It this isnt illegal credit reporting, its at the very least terrible customer service. I also think its unfair to expect the customer to go through the dispute process with all 3 credit bureaus instead of revoking the late payment themselves.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have mailed copies of my passport and a recent utility bill with my correct name spelling and my address that I have lived at since 2008 because I recently discovered that several accounts and addresses are on my credit that are fraudulent ... .. I mailed this stuff off in XXXX but I have not had any success hearing back from you and thats with mailing two letters back to back I need this information corrected asap .... I was advised to put this information on an FTC affidavit I filled out online which I am attaching to this complaint please correct this matter for me and email me with a response at XXXX. my correct address is XXXX XXXX XXXX XXXX nc XXXX I have had that address since XXXX of 2008 ... .. the addresses that have had fraudulent accounts/ activity is XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX, NC XXXX names that are incorrect XXXX XXXX  XXXX / XXXX XXXX / XXXX XXXX