davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I received a apology from XXXXXXXX XXXX XXXX XXXX for making the error. They sent me a letter stating that my payment was on time. And they did not report a late payment to the credit bureaus. XXXX just dropped my score around a XXXX points when a late payment never happened or was reported to them. This is ridiculous
Consumer complaint received 2023-07-01
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. (IL)

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. 
I told Transunion to reinvestigate these accounts : Account name : DEPTEDXXXX # XXXX ( ON CREDIT REPORT 6 TIMES ) XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX USDOEXXXX # XXXX ( ON CREIDT REPORT 2 TIMES ) XXXX  # XXXX CAP XXXX # XXXX XXXX  # XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 2023-07-01
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. (NY)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: M1 Holdings Inc. (TX)

For XX/XX/2023 and XX/XX/2023 ive paid my entire statement balance and was still charged interest both months. The month before that they conveniently took nearly 10 days to complete a transfer of money request to pay the credit bill and charged me a huge fee for the payment bouncing this conveniently settled the exact day after the bill was due. Keep in mind this money was settling between accounts at the same company. I now believe this company to be predatory and fraudulent. Ive contacted the company by phone and there is nothing we can do about the interest being applied even though full statement balances are being paid. Ive also filed a finra complaint that they fixed behind the scenes after receiving and then answered in a non serious way down playing the theft ( or incompetence ) that apparently happens there on a normal basis. 

I have attached screenshots of me paying the credit card the day before the due date and then it settling 2 days later with no grace period like 100 % of other companies offer when they know youve submitted the payment on time.
Consumer complaint received 2023-07-01
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 have already spoken with thecredit union about how the account is being reported. A deliquent account I had from XXXX is being reported twice on my credit report. the account went to judgement i lost and then went to the credit union and made a agreement to pay off the debt. I paid them {$500.00} down toward the amount owed and then made 6 payments of {$150.00} for 6 months. The credit union then closed the account and opened a new account and put the remaining balance there. Its showing both accounts as being charged off in XXXX which is not the case. I went to the bank and they gave me paperwork showing accounts were paid in full. I have made serveral attempts with Experian to have this remove and get the same response. The bank said they reported to have it removed but Experian reports to me that the bank shows proof that the accounts are being reported properly. The bank bascially told me there is nothing else they can do. the bank gave me the receipts for both accounts with XXXX balance
Consumer complaint received 2023-07-01
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. (TX)

This company, XXXX XXXX is reporting a delinquent loan in the amount of {$5500.00} on my credit report inaccurately/fraudulently! I have spoken with this company numerous times regarding this and they advised that there was also insurance purchased with this loan that pays the monthly payments on this loan if a person loses their job or any other reasons it cant be paid. That also did not happen and was a lie! I then spoke with a lady at this company and she very rudely stated to me that since I dont have anything else to do throughout the day, that I can call them and send them certain documents that I did not have! This company has been very inappropriate and disrespectful to me! They are inaccurately reporting this to my credit report.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX is inaccurately reporting a credit card over 7 years old on my credit report. The credit card was settled and paid off and I was previously advised that once I settled and paid if off that it would be removed from my credit reports. XXXX XXXX still have not removed the credit card reporting from my credit reports as they promised to do once paid the settlement amount. The credit card was first delinquent in early XXXX, and it has been over 7 years since delinquent and by law should be deleted and removed from my credit reports as well.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

On XXXX XXXX I personally wrote a certified letter to XXXX XXXX XXXX XXXX, informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. XXXX XXXX XXXX XXXX, has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.
Consumer complaint received 2023-07-01
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. (WA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I have student loan debt from attending XXXX school at XXXX  XXXX XXXX XXXX and XXXX University. I have been practicing as a XXXX XXXX XXXX XXXX since XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to my student loan debt of {$54000.00} being reported by XXXX to XXXX, XXXX, and Experian, I am not able to purchase a home or consolidate my debt because my debt to income ratio, is too high. My student loans are in good standing which should be a positive rating, deflected on my credit report ; however, it is not and as a result I am being discriminated, against when attempting to buy a home. I feel this is unjust, unfair treatment to receive especially when I am a care giver. I am an essential personnel within the XXXX XXXX I sacrifice my love for my job and have to rent an apartment in an urban community because of my student loan debt being reported as such.
Consumer complaint received 2023-07-01
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-06-15
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. (PA)

On XX/XX/XXXX I XXXX XXXX spoke wit Experian and XXXX about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX
Consumer complaint received 2018-06-15
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. (PA)

On XX/XX/XXXX I XXXX XXXX spoke wit XXXX and TransUnion about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX
Consumer complaint received 2018-06-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

First Continental and XXXXXXXX XXXX sold XXXX XXXX fraud, corrupted and scandal VA Loan to XXXX XXXX to collect and foreclose my home. 
In which on XX/XX/XXXX till present VA Loan is a fraud in which First Continental was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. 

First XXXX XXXX investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like XXXX XXXX. 

If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. 
XXXX XXXX, XXXX XXXX builders, First Continental Mortgage and now new Va lender XXXX XXXX XXXX are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. 
I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.
Consumer complaint received 2018-06-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (MI)

I disputed it with the CRA, the Dept of Ed the person who reported the inaccurate amounts, and XXXX the debt collection XXXX, who reported the inaccurate amounts to the Dept of Ed.
Consumer complaint received 2023-07-01
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. (VA)

I have submitted documentation toExperian which shows the XXXX accounts from last he XXXX XXXX XXXX  were paid. The XXXX XXXX XXXX confirmed they sold the accounts and they have no information to report but that the accounts were sold. I have submitted letters which show proof of payment on both accounts. Experian has not corrected my report they changed from reporting both accounts in bankruptcy to charged off and never late this is preventing me from obtaining a mortgage loan as I have submitted proof of payment to my lender as well as Experian but they are not correcting my report. I reviewed my Consumer Reports and noticed that I had two accounts with the The XXXX XXXX XXXX  and they both were sold and paid to different companies that bought the accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have paid both accounts which were sold to different agencies. I called The XXXX XXXX XXXX  and they said they could not correct the incorrect reporting as they dont own the account anymore. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-07-01
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)

These companies have reported late payments. 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 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 ADDITION, I HAVE TRYED TO CALL COMPANIES STILL NO RESOLUTION TO MY VIOLATION. 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (TX)

My credit report indicates I owe XXXX XXXX  a {$350.00} payment for past due charges. I have not had an account with any rv provider in over 4 years. This is not me.
Consumer complaint received 2023-07-01
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. (NY)

I've made several attempts to request my credit report from XXXX XXXX report since XXXX XXXX XXXX. I've sent copies of my identification and proof of address but not response.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I recently addressed illicit reporting of my Wells Fargo debt to XXXX, via the CFPB Website. XXXX stated an investigation would transpire as affirmed by their response. In the midst of the investigation XXXX updated my Wells Fargo Account to reflect in Collections and my credit score plummeted. This occurred between XX/XX/XXXX & XX/XX/XXXX. 

This is part of the settlement agreement with Wells Fargo was to reflect my account as paid and in good standing. This was after it was discovered it was there error to begin with resulting in a XXXX refund to me. CFPB compliant will confirm this. 

We now have a credit reporting agency taking matters into there own hands with no real vestment in the outcome other than to what? As an act of retaliation because there own practices were non compliant to begin with as reported to the CFPB. 

Both XXXX and XXXX have modified my accounts accordingly as instructed by the party who " suffered the loss '' not who got their hand slapped for non compliance. This isn't your right.