davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

-- -- -TransUnion 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
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX joined in a bankruptcy XXXX for adverse actions against a person under bankruptcy XXXX protection filed with Experian credit which shows discharged debt and reported assets violations withheld property awarded and protected to XXXX XXXX XXXX. Reporting it as cleared in XXXX bankruptcy XXXX discharge but the agencies continue illegal actions against XXXX XXXX XXXX which paid a fee and caused damages to credit by listing it twice 11 USC 562 the second notice was to Division of Child Support XXXX but they continue to falsely report. XXXX XXXX XXXX was CP under protection of a stay with an Injunction and XXXX XXXX XXXX told lawyer a transfer of assets was prohibited. 11 USC 562 under bankruptcy laws it's considered fraud. Exhibit Reply to combined email from XXXX XXXX XXXX  copy Exhibit XXXX to exhibit XXXX XXXX XXXX summary judgement XXXX XXXX XXXX XXXX XXXX XXXX. Bankruptcy XXXX, Bankruptcy XXXX XXXX XXXX. Letter from United States Department of Labor XX/XX/XXXX XXXX Experian credit report XXXX XXXX XXXX is seeking relief of over {>= $1,000,000}. at {$2000.00} a day for Contempt of Adversary Proceeding Actions XXXXXXXX XXXX
Consumer complaint received 2023-12-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SCS Credit Corporation (IN)

The car was a lemon in now they trying to say I owe XXXX when they came in got the car in sold it it was to much work needed to be done on the car in I tired getting fix mechanic said was in no reason because the car was old just get this let it go back
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I pulled my consumer report on XXXX, I noticed inaccurate information on my credit report. I sent out a notice on XXXX, the notice was not for verification of the account or proof of my mailing address but a request for validation pursuant to the FDCPA 15 USC 1692 ( G ) section 809 ( B ). The companies did not send the requested validation and the account ( s ) remained on my report.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KS)

I moved out of a rental house in Washington DC in XXXX. Prior to moving I had signed up for XXXX XXXX and had paid the monthly bill. The roommates remaining at the residence wanted to continue the service. Prior to moving I called XXXX with one of the remaining roommates and requested they remove me from the account and add her to the account. XXXX confirmed this would be done. 

From XXXX through the beginning of XXXX I received no communications from XXXX regarding this account, which had been current when I left the residence. At the start of XX/XX/XXXX I began receiving collection notices from XXXX stating that I owed an unspecified amount on the XXXX account. 

I repeatedly requested any verification of the debt, and requested that XXXX communicate with me in writing. To date I have not received verification of the alleged debt, and XXXX has continued to call me in relation to the alleged debt, with the most recent phone call coming on XX/XX/XXXX. 

On or about XX/XX/XXXX, XXXX reported to the credit agencies that I owed an unpaid balance of {$4500.00} on the account. I disputed this report with all three credit agencies. All closed my complaints with no change to my credit report, and did not provide any information to me from XXXX, nor request any additional information from me.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (TX)

The beginning of XX/XX/2023, I was making my monthly payment with FNBO. I added a new bank to pay with prior to my due date bc my check is direct deposited there. 

I was making my payment early as I have always done. I have never been late. Unfortunately, my new bank connected through XXXX XXXX saw the transaction as a possible fraud and rejected to pay. 

As soon as I realized this, I attempted to immediately go and pay with the original bank I use for this payment. I was willing to pay the monthly payment and late fee. But FNBO 's system would not accept payment bc now they demanded I pay for XXXX as well even though XXXX 's payment was not due for another month. 

I didn't have XXXX to pay at that time. I asked via message to pay the XXXX payment and late fee. Each time they tell me that I must call and they also call me multiple times a day even though I have made it clear in writing multiple times that I have a XXXX and can not do a phone call. Each time they ignore my request for accommodations or allowing me to just make the payment. 

They say they have a secure messaging system but they won't message back and continue to call me on the phone. I have sent multiple messages requesting to quickly resolve this and remind them of my XXXX. I also have replied to emails but they won't reply back. 

Fast Forward to today, XX/XX/2023. I have acquired the XXXX to pay for XXXX, the late fee, and XXXX 's payment due on XXXX XXXX and the online payment system still refuses to allow me to pay. 

I am literally being set up to fail bc my XXXX are being ignored and there is no other way besides the phone to talk to them. 

I have taken screenshots each time I used their secure messaging system to prove of my messages and as well have screenhots of emails. 

I am good customer that had a mishap with my payment in XXXX that I did not expect and immediately tried to rectify this, but I am being blocked from doing so. 

It further bothers me because I have a teen with hearing loss, and if I can't get companies to respect my XXXX, how do I guide her? 

I talked to XXXX XXXX XXXX counseling and they said I should contact you because there shouldn't be this issue and lack of respect to accommodate XXXX. 

Bottom line, I just want to pay by my XXXX due date and move on to living my life and being a parent.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: General Motors Financial Company, Inc. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a car account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

Hello I received XXXX  XXXX  regarding a transaction that I did not authorize or approve or even know about. I had an account with XXXX in the past and my account was XXXX  and a police report was given to PayPal and their XXXX  XXXX debt collector. I have not received XXXX  information regarding the outcome of that reported scam. Recently I received this unauthorized receipt of a purchase for a XXXX. I do not own any XXXX  or XXXX  and never intend to purchase XXXX let alone on the internet. I have attempted to contact PayPal but my attempt to recover my email to communicate with them was not successful The say that they have my email but when I attempt to reset my password it says " oops there was a problem and try again later ''. I do not know how this company gained access to my account as I believe that my account is blocked from usage but I am reporting this issue as identity theft and fraud. Please look into this and advise what can be done. In the meantime I will attempt to call PayPal whilst I await for this investigation regarding a breach on my PayPal " XXXX account ''.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am not liable for these debts. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality un 15 USC 1681. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TN XXXX XXXX XXXX XXXX -TN XXXX XXXX XXXX XXXX, has violate my rights. 

*15 USC 1681 section 602 A. States I have the right to privacy.

*15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without any written instructions.

*15 USC 1681c. ( a ) ( 5 ). 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 USC 1681s-2 ( A ) (! ). States 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.

Please remove these adversely accounts which is injurious to my credit rating. I can't obtain credit and it's costing me thousands of dollars.
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 

30 days later only 1 reporting agency XXXX XXXX ) said they concluded their investigations and everything is correct and its not. XXXX and XXXX have not responded and it was sent certified mail on XX/XX/2022 DISCOVER BANK ( CLOSED DATES DONT MATCH ) XXXX XXXX ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXXXXXX XXXX XXXX XXXXXXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX XXXXXXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am enclosing documents for your review. I urge the bureau to start an investigation into these accounts, as I am never late but am being inaccurately reported.
Consumer complaint received 2023-08-05
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-15
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. (WA)

I recently reviewed my credit profile and noticed inaccuracies and false accusations. 
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX Account Number : XXXX As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.I request verifiable physical evidence to prove the existence and permissible usage of the account. If this evidence is not provided, I expect the account to be removed from the report. You have my authorization to send me physical documentation of your actions and an updated credit report.
Consumer complaint received 2023-12-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.