davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (PA)

I claimed that Care Credit threatened to list a bad credit report on the three credit bureaus for a " Medical '' debt that I had co-signed for my daughter. I was never informed of this delinquency because my daughter was up-to-date with this bill until she moved away. I was unaware of the status of this loan and never received any notification of this delinquency. I only found out about it when I applied but was not considered for a line of credit with XXXXXXXX XXXX because of a low credit score caused by a charge-off from Synchrony Bank XXXX 
I called Synchrony Bank that same day and made arrangements to pay the balance off in three monthly payments. I set up the payment schedule with XXXX XXXXXXXX XXXX  as I spoke to the representative from Synchrony. The payments were sent to Synchrony Bank according to my agreement. My bank statements show that these payments were made as agreed, but Synchrony Bank 's answer to my complaint said they were not made as agreed. 
My complaint is threefold : 1. Although CFPB was aware that this was a " medical '' debt, they failed to comply with President Biden 's directive of XX/XX/XXXX XXXX XXXX that medical debt delinquency should not be reported to the credit bureaus. 
2. Synchrony Bank never notified me that this account was delinquent ; I had to find out when I was turned down for a line of credit because my credit score was lowered from XXXX to XXXX. 
3. Synchrony Bank defaulted on their agreement to clear my credit and considered it paid by not posting the payments.
Consumer complaint received 2024-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

Good morning, this is to follow up on the complaint I have regarding the unjustified retention of my money by Paypal. In your previous response you indicated that nothing could be done, but based on the complaint filed, you released part of the money, but more than 50 % is still missing. 

They tell me in another email that it may take 180 days, but I need to know if from the date of the event in which these deposits were made to the PayPal account or will it be 180 days from the email received. 

Furthermore, they continue without giving me an explanation as to why my money is still being withheld. This whole situation has caused me many problems since with that money I have to pay suppliers who are very angry about the lack of payment as a result of the aforementioned withholding. 

I look forward to a quick response and thank you for your attention.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I purchased all 3-credit reports from XXXX, XXXX and XXXX after being denied lending for a home loan in XXXX of this year. I sent a validation of debt letter to Portfolio Recovery Associates, LLC ( PRA ), XX/XX/XXXX requesting them to validate the debt within 30-day or delete the account from all credit bureaus. 

In return, on, XX/XX/XXXX the company ( PRA ) just sent me a letter/ bill for {$3900.00}. The letter also stated the account open date of XX/XX/XXXX for XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a follow-up letter to PRA stating that the letter sent to me was not proper validation of debt per FDCPA. Again, I requested for them to delete this account from all credit bureaus. I did not receive any further correspondence or validation of debt from PRA. 

On XX/XX/XXXX I sent a final notice providing them proof of inaccuracies ( inaccurate balance, inaccurate payment history, inaccurate open date and no notice of dispute placed on my credit reports. Also, reminding them of the violations of not validating the debt per FDCPA. I demanded that they remove this account within. 

This company is blatantly violated my rights, purposely held my credit hostage and  hindered me from purchasing my new home.
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (IN)

Received alerts from all 3 bureaus that non medical debt had been posted to my reports on XX/XX/XXXX. 

Creditor : XXXX  Dollar amount : {$750.00} It would seem to be a zombie debt from XXXX XXXX XXXX  in XXXX. 

Dropped off the reports in XXXX and XXXX XXXX Again, have received zero mail, and the posting is vague on the report.
Consumer complaint received 2023-05-05
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. (TX)

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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-04-18
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-04-18
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. (NY)

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In despite of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$540.00} ; XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Owed : {$540.00} ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-08-05
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022
Consumer complaint received 2024-01-19
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance Owed : {$250.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} 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 2024-04-18
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. (OH)

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 2023-08-05
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. (NJ)

I recently Checked my credit report and found an inaccuracy that credit bureau refuses to properly investigate.I have account statements that show account was never late and on time the following accounts below need to be updated correctly and accurately to never late with all late remarks removed : XXXX XXXX  Following dates need to be updated to on-time Dates XX/XX/2023 XX/XX/2023
Consumer complaint received 2023-08-05
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance {$700.00}
Consumer complaint received 2024-04-18
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2024-04-18
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. (CA)

I'm writing to challenge the late payment recorded on my credit report. After thorough examination, I've identified what I believe to be inaccuracies that require attention. 
After examining my credit report, I've identified discrepancies concerning reported late payments. I have a consistent record of meeting my financial obligations punctually, leading me to believe there may be an error or misunderstanding in the reporting process. Moreover, both XXXX and XXXX credit bureaus have already updated their records regarding this account. XXXX XXXX XXXX.
Consumer complaint received 2023-08-05
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX. Account Number 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.

under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-05
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. (CT)

TRANSUNION has a history that began in XXXX. Initially founded as a holding company by the XXXX XXXX XXXX XXXX, a subsidiary of the XXXX XXXX, TransUnion started as a XXXX XXXX business with limited involvement in credit reporting. However, in XXXX, TransUnion made a move into the credit reporting industry with the acquisition of the Credit Bureau XXXX XXXX XXXX. TRANSUNION has come into existence in XXXX, however consumer reports have been around for centuries. TRANSUNION is not a Government Entity but is regulated and demanded to perform under Government Law with RESPECT, INTEGRITY and ACCURACY to the consumer. Congress within the FCRA has clearly and directly classified TRANSUNION as an ELABORATE MECHANISM who has ASSUMED its role ( 15 USC 1681 ( 2 ) ( 3 ) to gather my personal identifying information and furnish a consumer report without my consent nor PERMISSIBLE PURPOSE 15 USC 1692b. TRANSUNION you have abused me by violating my Federally Protected Right to PRIVACY and have furnished information on my behalf without permissible purpose as CONGRESS has demanded you TO ESCLUDE INFORMATION and you have WILLINGLY without LAWFUL GONGRESSIONAL AUTHORITY have chosen to furnish negative information on my behalf that has negatively impacted my reputation causing me to lose credit opportunities and the ability to EXERCISE MY RIGHT TO CREDIT which is a clear and direct violation under TITTLE 18 USC 242. This is a FACT because CONGRESS under the Fair Credit Reporting Act due to your abusive practices in your earlier years has clearly and directly demanded you to EXCLUDE ALL TRANSACTIONAL ACCOUNT INFORMATION INCLUDING EXPERIENCES from a consumer report see TITTLE 15 USC 1681a ( 1 ) ( 2 ). TRANSUNION YOU HAVE WILLINGLY WENT AGAINST YOUR CONGRESSIONAL DUTIES AND RESPONSIBILITIES AND WILLINGLY FURNISHED INFORMATION ON MY CONSUMER REPORT CONGRESS DEMANDS YOU EXCLUDE HURTING MY REPUTATION AND ABILITY TO EXERCISE MY RIGHT TO CREDIT FALLING DIRECTLY IN VIOLATION UNDER TITTLE 18 USC 242 FOR DEPRIVING ME OF A RIGHT. I HAVE REQUESTED IN ABUNDANCE TO HAVE THESE ACCOUNTS REMOVED UNDER CONGRESS REQUIREMENTS AND YOU HAVE IGNORED ME AND HAVE NOT SETTLED IN GOOD FAITH. I AM DONE DEALING WITH THIS ISSUE AND YOU ARE LIABLE UNDER TITTLE 15 USC 1681n AND TITTLE 15 USC 1681o FOR WILLFUL AND NEGLIGENCE HARM TO A CONSUMER DEPRIVING THE CONSUMER OF A FEDERALLY PROTECTED RIGHT VIOLATING TITTLE 18 USC 242. NOTICE IT IS A FACT YOU ARE ALSO UNDER VIOLATION OF REGULATION Z OF THE CFPB.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-02-02
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. (MO)

This despicable fraudulent crooked company has now over XXXX of these phony notifications PLOY PLOY PLOY PLOY PLOY PLOY PLOY SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM AS REQUESTED FORWARDED TO F.T.C AND D.O.J