davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A charge for {$29.00} that posted XX/XX/2020 on one of my accounts was not made by me, therefore I was not aware of the charge. I received no notification that I had a balance on my credit card XXXX the card was previously at {$0.00} XXXX from XXXX. The payment went 30 days delinquent in XXXX, which is how I found out about the charge in the first place. I paid down the balance to settle the account, thinking it was a membership fee until I investigated further and realized it was fraud. I have disputed this charge with Transunion and XXXX 3 times. Neither bureau has removed the derogatory mark from my report. My dispute with XXXX removed it on the first try, so their investigation obviously concluded the charge was fraud and verified my concern with the bank. 

With Transunion and XXXX being used so often by companies for credit checks, it is imperative that this inaccurate mark that has a massive impact on my credit score be removed immediately, for each bureau. It has already hampered my ability to attempt to consolidate my debt. These companies have a major responsibility to do better with so much power over ones financial health.
Consumer complaint received 2022-07-24
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX account 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 an account without my written instructions.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2021-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

On XXXX XX/XX/XXXX I received a Property Tax Delinquent Notice, I called my mortgage company BSI Financial Services and was informed that a tax disbursement should have been made in XXXX of 2020 but was not and was then told that an expedited request had been submitted to resolve the issue. Fri morning XX/XX/XXXX I called XXXX XXXX Tax Office ( NC ) to let them know what had happened. They told me that BSI Financial Services would be responsible for the interest also. I then called BSI and was told that yes they would pay the interest, I was also informed that my taxes should be payed by Monday XX/XX/XXXX. 
I called BSI again on Tue XX/XX/XXXX and was told that my case was still under review and that it could take up to 3 to 5 business days to complete, I told them this was not acceptable as the deadline to have the payment made is the XXXX of XXXX. The last person I spoke with named XXXX told me that she would call me today ( XX/XX/XXXX ) and let me know what was going on. As of XXXX there was no call from XXXX, so I called them ( BSI ) again. Once again being told that they were " talking '' to the people in the Tax department, then was told that my Property taxes we're not late ( yet I have a delinquent letter in my hand ). The response I Kept hearing was " it's still under review, or we're working on it ''. Mind you the deadline is Fri XX/XX/XXXX. I was told that I would get a call back within an hour which would be around XXXX EST. I called BSI back around XXXX EST and the lady told me that a disbursement was made on XX/XX/XXXX in which I corrected her. Was then connected to the lady I spoke with earlier and was told to give her until tomorrow morning ( XX/XX/XXXX ), I told her that was unacceptable to which her response was that " all managers had gone for the day ''. So here we are XXXX EST on XX/XX/XXXX and my property taxes are still NOT paid, and a deadline of XX/XX/XXXX. 
I told her that she has until noon tomorrow ( XX/XX/XXXX ) or I will pay the taxes myself and seek restitution via legal action. There are currently 98 NEGATIVE reviews on this company with the latest one also involving non payment of property taxes. 
My 2020 property taxes were due in XXXX of 2020 for XXXX plus interest of XXXX for a total of XXXX.
Consumer complaint received 2020-12-07
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. (AL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (AZ)

Gm! Over 30 days ago I sent a letter by mail to this company requesting them to validate the debt on an account reflecting on my credit. It was not a refusal to pay but to validate why they felt the debt was mine. They have yet to provide any documentation. Im requesting this account to be removed from all 3 credit bureaus due to the company not being able to validate the debt with any documentation with my signature showing the debt is mine.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

I used my Care Credit credit card and the Care Credit online payment portal XX/XX/22 to pay XXXX XXXX for services rendered XX/XX/22 in the amount of {$2800.00}. To date, my provider has not received payment. Care Credit has been negligent in delivering my payment to XXXX XXXX while continuing to charge me for the transaction. I have made calls into Care Credit Customer Service. XXXX XXXX has made calls into Care Credit Merchant Services. XXXX XXXX and I have even sat down together to call into Care Credit. Care Credit verified on their end that the funds did not transfer and had stated that they would internally re-route them to the correct account and that XXXX XXXX should receive the funds by XX/XX/22. XXXX XXXX has still not received the funds as of XX/XX/22 and Care Credit is continuing to charge me on the transaction. Customer Services states they can not help and it needs to be resolved on the merchant 's end.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have paid my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, and they have agreed to delete this medical bill from my credit report and it is still showing up on my credit report with TransUnion. TransUnion sent me an email stating that the information would be removed but it has yet to be taken off of my report.
Consumer complaint received 2023-03-29
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. (CA)

I am writing you because I believe the account on my credit report is not accurate. The data included in my credit report must be documented and validated before it is included in my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I am challenging the reportability of this allegation, which doesn't meet federal or state reporting requirements. This data must be reported with the greatest compliance and accuracy possible. XXXX shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all their claims are accurate and reported in the correct format. XXXX is required by law ( FCRA ) and reporting standards ( METRO 2 ). For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have several 90, 120, 150, and 180-day late payments reported where there are no 30-day or 60-day late payments reported prior. I have a letter from XXXX stating that my loan would be completely forgiven which I will include and they still report late payments each month. I spoke to a representative that stated it may take 24 - 36 months for the forgiveness to take place. If you acknowledge my loan will be forgiven and I don't need to make further payments then why am I getting late payments reported every month? The credit bureaus and XXXX have failed to look into this thoroughly. This is unethical, unlawful, and unfair. 

I am requesting either all late payments be removed from both of these reported items listed below or that these accounts be removed from my credit immediately. 

Below is a summary of the data which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX
Consumer complaint received 2020-10-12
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2023-03-29
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Professional Services of NY, Ltd. (FL)

In XX/XX/XXXX i was approved for a business loan with XXXX. My XXXX shortly after tool a financial loss that resulted in closer due to damages from multiple natural disasters that took place between XXXX and XXXX. 

XXXX has been reporting on my credit reports as a collection debt and is now being reported as a new collection under a different company so it appears on my credit report as a double debt. 

I like to have this business debt removed from my personal credit report. 

This collection is causing it to be default to be approved for rental properties to live.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I checked my online account and on one of my old cards there was a charge in the amount of {$21.00} to a XXXX XXXX XXXX. Then on XX/XX/2020 a charge of {$52.00} was charged to XXXX  XXXX  also. Then one XX/XX/2020 their was a charge to the same company XXXX XXXX XXXX for {$36.00} and also on XX/XX/2020 there was again another charge to XXXX  XXXX  for {$82.00} and also a XXXX pay money transfer of {$50.00} to a XXXX XXXX which I have no clue who he is. And I sure as XXXX do not know who was or is incarcerated in a correction facility. So I have tried for the past two months trying to dispute these fraudulent charges but was placed on hold for several hours and at one point all day with no one answering the call. This is a total of {$220.00} of my unemployment someone has took from me. So I am writing you to fix this problem before I go above and talk to the federal government about this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-28
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)

TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and I'm disputing some items that need to be deleted. l have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Items : XXXX XXXX Account Number : XXXX Balance : {$260.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$1800.00} Reason for Deletion According to the provisions of the Fair Credit Reporting Act '611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXX days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 [ 15 USC ' 1681j ], there should be no charge for this report.
Consumer complaint received 2020-12-05
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. (GA)

There has been a breach in my personal information in the world wide web causing thataccounts be opened with out my consent, these fraudulent accounts needs to be removedfrom my file immediately, I have already contact the creditor and they ask me to fill out anFTC report which is attached.
Consumer complaint received 2020-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I have a loan with Credit Acceptance and have called to ask if payments could be placed on back of loan do to loss of work during covid. Flat out told no and asked when I could make a payment. I have fallen behind and try to pay something but I will never catch up. Then they are only acknowledging Covid Relief for certain States. I live in NC a Hotspot state and nothing is being done. I feel as though I'm denying discriminated against and its not right. They are reporting to all credit agencies and I'm trying this is ridiculous and needs to cease. They already charge astronomical interest and fees I can't see how they are a legal entity.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 # 's 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, and XXXX have violated my rights.

15 U.S.C 1681 section 602 A. 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 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 2023-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (CA)

This company Goodleap has failed to take automatic payments from my debit card for over a year now and in results have been reporting to the credit bureaus late payments I have recently claimed bankruptcy and I explained to this company that since Covid I have been dealing with financial issues I have finalized my bankruptcy and was told by this company that even if I was in bankruptcy and I did or did not include them in the bankruptcy which I didnt claim them in the bankruptcy, I am continuing to pay them and I am in good standings, they said I am no longer to be put in for automatic payments and that they are not going to help me resolve any credit issues I had asked them in good faith and transparency is there anything I can do and they had said no I am being discriminated against I feel like my financial situation is the reason why they are treating me this way I had spoke to an individual who is a manager her name is XXXX XXXX I had asked her to please provide me this information stating that they are no longer able to except payments from me because I am bankrupt she said this is her company policy she had also stated there was nothing I can do and no one else to talk to and whoever I talk to is going to tell Me The same thing. I explain to her that I do feel like she is targeting me because of my financial situation I explain to her that I am current on the account and Im just trying to get answers she explained that I need to email her to get any answers answered and that she is not going to transfer me to anybody or let me get any help from anywhere else I also ask for a supervisors name which is XXXX XXXX I have yet to receive a call or any feedback from her I was told she is aware of the situation and was going to contact me, discriminating against me for my financial situation that I have no control over is illegal and wrong and I will pursue this if need be legally.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (UT)

LVNV Funding-XXXX  is reporting a balance on my account and is continuing to update. I have paid this account and it should no longer be showing that I have a balance. It is negatively affecting my credit and it shouldn't be.