davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-28
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. (OH)

I have send letter numerous times to the 3 Credit Bureaus to check and to validity these account that are been reporting error, inaccurate and incomplete credit information. I been asking for Re-Investigation over again
Consumer complaint received 2022-05-28
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account numberXXXX, 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 See Below for credit reporting account informaion : XXXX Account XXXX XXXX XXXX Account number123524X XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Transunion Account XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account numberXXXX, 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 See Below for credit reporting account informaion : XXXX Account XXXX XXXX XXXX Account number123524X XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Equifax Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-03-10
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. (FL)

In XXXX of 2023, I missed one payment to XXXX XXXX. Last month as shown by the dashboard screenshot attached, they closed my account. XXXX XXXX as shown by the screen shot, reported me only to XXXX as having a closed account and reported that to XXXX on XX/XX/XXXX. 

As shown in the screen shots provided, both Transunion and XXXX both show it as open and they have not reported to either of them since XX/XX/XXXX and show the account as opened and paid on time.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (DE)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

I requested a credit line increase on a card that I already had with the creditor. Under law, it is my understanding that when you request a credit line increase, it is not supposed to reflect as a hard inquiry on your credit report. I requested the credit line increase, and it was offered to me and approved, however, they reported it as a hard inquiry on my credit report. Home Dept, XX/XX/year>. Though Ive already had the creditor service and credit card in question since XXXX of this year. Anytime I do a credit line increase request, It is always processed as a soft inquiry. I never have a hard inquiry or I would not have done it. It did not offer a disclaimer that this is what would occur and this is not the standard practice. And I utilize this so that it can help increase my debt to income ratio.
Consumer complaint received 2022-05-28
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. (GA)

I filed a complaint against Experian XX/XX/2022, XX/XX/2022, XX/XX/2022 citing Experian due to, myself received a letter from XXXX XX/XX/2022 stating they did find " '' PUBLIC RECORDS '' in 30 day time frame jthat was required of XXXX and removed " PUBLIC RECORDS '' from my XXXX credit report. 
I received a second letter from XXXX XXXX XX/XX/2022 stating they reached out to Experian requesting they remove " PUBLIC RECORDS '' from my credit report. Experian has refused. 
Experian has refused to removed " PUBLIC RECORDS '' stating they ( Experian ) received a report from XXXX " PUBLIC RECORDS '' is to remain the same and it will not be removed. 
Experian has advised myself they ( Experian ) received they " PUBLIC RECORDS '' from XXXX. It's been a back and forth battle with Experian not removing the " PUBLIC RECORDS. ''
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act : XXXX  XXXX  XXXX  XXXX XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX balance XXXX XXXX XXXX XXXX {$590.00} Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX  XXXX balance XXXX Has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account with out my written instructions. I didn't give written permission for any of this information to be on my credit reports and is a financial burden.
Consumer complaint received 2022-05-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account numberXXXX 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 See Below for credit reporting account informaion : Experian Account XXXX XXXX XXXX Account numberXXXX  XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX Original creditor : 12 XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc (VA)

Chime Bank stole almost {$4000.00} from me. They put a false deposit into my account. And they closed my account due to that. now I had a dispute with them they approved their false deposit and still said I don't get a refund now they have done this to thousands of customers if you want I'll screenshot all the complaints this is getting ridiculous nobody will help me or other customer can't find anybody to help us we need help this bank is robbing people left and right this is wrong especially in the time of pandemic we need your help!! Now this time if you can not reach me by phone please email me don't just closed my case
Consumer complaint received 2020-11-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV INC. (NC)

XXXX XXXX 2020, and XXXX XXXX they say that I wrote bad checks. XXXX XXXX in the Amt. of {$41.00} and the Check on XX/XX/XXXX in the amt. of {$80.00}. I also called the creditor and they don't see any record of me writing the checks. The company that is trying to collect my money is TRS Recovery Services.
Consumer complaint received 2022-05-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION (FL)

I used the lender EnerBank USA to cover the repair of a septic tank drain field on my property and was making steady payments since the repair in 2020. I came down with XXXX which lead to an extended absence from work, and attempted to keep up with the payments but the lender was difficult to work with. 

We finally reached an agreement allowing me to set the account straight by making on time payments again, but made a payment a day later than the cutoff. 

This lead to them sending the first of several letters with a payment amount that they were demanding to keep the account current with the wording that added additional penalties if the payment was not received in " ten days ''. There was no date on the letter and no date mentioned to start the " ten days '', and every time I have called or paid has not been within the ten day period leading to an almost constant compounding of fees.

The absence of the start of the ten day period in all of their correspondence seems like a deliberate ploy to keep the debt active and extort for the " late fees ''.
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account XXXX and XXXX XXXX Account number XXXX have 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 See below for account reporting information on three credit reporting agencies : XXXX Account info DEPT OF ED/AIDVANTAGE Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number ( XXXX ) XXXX Equifax Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-05-28
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account XXXX and XXXX XXXX Account number XXXX have 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 See below for account reporting information on three credit reporting agencies : XXXX Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX number ( XXXX ) XXXX XXXX Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX Transunion XXXX XXXX Account number XXXX Account status Open Date XXXX XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1692g - Validation of debt XXXX XXXX XXXX Account Number : XXXX this account does not belong to me 2. 15 U.S. Code 1692h Multiple debt XXXX XXXX  Account Number : XXXX please delete multiple debts 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX this account is not mines please delete This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2022-01-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (MD)

I received the debt collection letter from Receivables Performance Management , LLC in XXXX stating that I owed {$1600.00} for the leased car that I had returned in XXXX to the original creditor which was XXXX XXXX. For information, I obtained the car through XXXX which worked with the creditor so the leasing company withdrew the weekly payment automatically from my XXXX earnings. I had paid off any amount I owed the day I returned the vehicle back in XXXX. Up until last XX/XX/XXXX when I received this debt collection letter, XXXX XXXX as the original creditor had never reached out to inform about any debts owed. 
I called the number and I spoke with the agent. I demanded them to show me the agreement and the contract that I indeed owe such money. The agent agreed to show me the contract as soon as I sent the letter in mail to dispute. I did write to them to request the contract. I received their response in mail merely showing the breakdown of the balance but not the contract. 
Fast forward, I received another letter from them that they reduced the settlement from {$1600.00} to {$1200.00} as long as I paid them in full by XX/XX/XXXX. 
I attached the letters from them.
Consumer complaint received 2022-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (TN)

I sent a letter to Plaza Services requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Plaza Services is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.
Consumer complaint received 2020-11-07
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. (TX)

Dear Sir or Madam, I have contacted the following companies from 2 different credit bureaus and they can not even find information on items that I have on my credit report. I would liked them removed as soon as possible. 

I have sent the dispute letters to XXXX and XXXX to have them removed and it has been over the standard time of 30 days with no reply. 

The items are ... ... 

1. XXXX XXXX XXXX - Amount of {$2600.00} 2. XXXX XXXX XXXX - Amount of {$1500.00} 3. XXXX XXXX XXXX - Amount of {$610.00}
Consumer complaint received 2022-05-28
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. (OK)

I've submitted multiple complaints on why I believe it is unfair for my credit to be reporting late payments during a hard time. I dealt with XXXX last year into the beginning of this year and it caused me a lot of issues including lose of work and falling behind on payments. I've recovered since then and i have gotten back on track with certain accounts. With XXXX XXXX everything is current and the account is closed. These negative items or impacting my ability to obtain a credit score to buy a new home and I think its unreasonable for my family.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have multiple inquiries from capital one bank and capitol one auto that I didnt authorize.When I called the caller XXXX was very rude and wouldnt help me at all.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, Experian Acct # XXXX, 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 a account without my written instructions
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX, FLORIDA XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX, XXXX INQUIRY DATE XX/XX/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 a account without my written instructions
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Our mortgage loan has been sold and servicer changed with no notice. Our mortgage loan originated with USAA in XX/XX/XXXX and was serviced by XXXX. Supposedly notice was provided on XX/XX/XXXX, of our mortgage loan being sold to XXXX and serviced by XXXX XXXX effective XX/XX/XXXX, but we have received no notice and USAA can not provide documentation of the notice.
Consumer complaint received 2017-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I disputed my hard inquires that are up there numerous times they were deleted and readd back on my report I was not notify and it 's illegal, I also have a late payment with XXXX XXXX never late I just changed billing due date and also disputed it two months ago no update yet. I sent in proof from my insurance company that they paid the balance on my vehicle to XXXX and still no respond