davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX ACCOUNTS Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-04
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: General Motors Financial Company, Inc. (MN)

I am furious with the way that XXXX is running its organization and ruining my credit. On XX/XX/XXXX, XXXX dropped my XXXX XXXX from XXXX  to XXXX  due to a paid in full settlement to GM Financial and not only that, they documented that the payment was late. 
How can a payment be late if the settlement was paid in full and the balance will reflect {$0.00} after 30 days? 
On top of that XXXX marked the account as a current repossession when the vehicle was repossessed in XXXX. 
My credit report shows how XXXX increased my score when I was paying this account down, and now that I have fully satisfied the settlement they chose to drop my credit score XXXX points and report the account late after I paid off the settlement amount, which is a disgrace. Every time I turn around XXXX continues to keep taking a way points without accurate reasoning. Every time I call, they never have an explanation on why they keep dropping my score. I see why they keep falling victim to lawsuits, because they keep ruining peoples credit just because they can. 
They have violated the Fair Credit Reporting Act too many times and now I am going to take action against XXXX this time because I have had enough. I have the right to fair and accurate reporting of my credit information. 

People have checked my credit score that I have not given permission to do so and when I call them to see if they have proof of me giving permission for my score to be checked all they say is, you have to call the people who are requesting the report. 

How am I supposed to do that when I don't even know who is checking it. I see it on my report and I report it to XXXX so they can stop lowering my score because of it, but they won't do nothing about it. 

I want XXXX to stop ruining my credit and get proof of accurate information before ruining people 's credit. I want my credit report fixed and the points added back that was taken away. 

XXXX XXXX
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$880.00} XXXX XXXX Opened Date Balance {$11000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Balance {$55.00}
Consumer complaint received 2023-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Submitted a dispute and Transition did not take the proper steps to investigate and instead sent a stall letter stating that it did not appear that I properly authorized third party sent to them despite being provided with accurate information from myself only.
Consumer complaint received 2019-09-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (TX)

They put a late on my credit for my car that the payment for XX/XX/19 that was paid in full before the payment was due. They also had auto payment setup on account anyway never should have been late because if there was an amount past due they should have auto taking the ACH. I am trying to close on my home and this is an issue.
Consumer complaint received 2024-01-09
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: GOLDMAN SACHS BANK USA (CA)

Ive asked for Debt Validation Letter as I am disputing the claim that over {$900.00} was charged off as my only records are from my exs bankruptcy trustee, and show the balance of the creditors XXXX paid in full. I do not show any outstanding balance records. Furthermore, I was not notified AT ALL regarding any outstanding balance, not even once. It showed up on my credit report and that is the one and only reason I found out about this! My calls and emails to GreenSky have been met with replies such as well, thats what our records show or the charge off the charge off will disappear if you just pay the balance, but still, I have no detailed information regarding why the balance even exists, and why I wasnt even given the common courtesy of being notified about an outstanding balance. 

I have not received a single thing from the company since XX/XX/XXXX! All I have for records is the bankruptcy trustees final accounting statement showing GreenSky was paid in full based on the amount claimed in your Proof of Claim submitted on XX/XX/XXXX by XXXX XXXX. I have never once been notified firsthand about anything. Not one letter saying there was any amount outstanding, let alone sent to collections and being charged off! 

As Im sure you can imagine this is quite detrimental to my almost perfect credit score! Plus the fact that I was never notified firsthand about anything before green sky unilaterally decided to charge off whatever this unpaid balance was is extremely frustrating. Receiving emails that keep saying your records dont match our records is not at all helpful! 

I shouldve been notified and given an opportunity to discuss this long before it EVER hit my credit report, and again, I have never been contacted ONCE! All information I have is through a third party, and I only was notified about it in XX/XX/XXXX, because there was an alert through my bank about my credit score changing. Thats unacceptable! 

Finally, my position with the federal government is now in jeopardy because of this situation. I just can not believe I wasnt even given an opportunity to know what was happening.
Consumer complaint received 2023-02-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Had an incorrect report on my credit report in XX/XX/2020, for XXXX amount owed to XXXX XXXX through XXXX XXXX XXXX. The account was not mine and it was removed on XXXX. Now I have the same incorrect report again on my credit report for the same amount ( XXXX ) from the same company XXXX XXXX XXXX ). The difference is the collections agency this time is XXXX. It's still NOT my account and it has adversely affected my credit rating, dropping from XXXX to XXXX. Please help me clear this up for good. Thank you.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (IL)

XXXX XXXX previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from Radius Global Solutions LLC stating that I owe XXXX XXXX $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
XXXX XXXX  sent me the same notice from the same collections agency Radius Global.
Consumer complaint received 2023-03-08
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX ...., has violated my rights XXXX XXXXXXXX XXXX ...., Has violated my rights XXXX XXXX XXXX ...., Has Violated my rights XXXX XXXX XXXX ... .., Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer report as late for any purpose.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WY)

At the middle to end of summer, I began receiving calls from a company identified as Midland Credit Management on my phone 's caller id. I ignored the calls because I do not have any outstanding debt. On XX/XX/2020, I wrote a letter to the company, requesting all communication to be written and for debt validation. I received a response from the company, stating they could not validate any debt against me and requested more info. I responded on XX/XX/2020, sent the letter certified and received return receipt proof on XX/XX/2020. As of XX/XX/2020, the calls have started up again. I received multiple calls on XX/XX/XXXX and XXXX. I DO NOT have a debt that this company is attempting to collect. I believe now they are being vindictive and childish. This is a formal complaint against Midland Credit Management for false debt collection.
Consumer complaint received 2019-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (CA)

Today I got a call from a debt collector TSI. The rep said it was on a recorded line despite me not giving consent and I asked what it is in regards to she told me and I asked to only correspond by mail with no more phone calls. She then asked me how I would like to take care of the matter and I said when I get the paperwork I will have a look at it. She said well the paperwork takes 7 to 10 days to get to you I need to know how youre going to take care of it before then and I said this is the 2nd time Im asking you to  only correspond by mail. This is total harassment! 

She laughed and said youve been in collections for almost a year Im asking how you plan on paying for it I said this is the 3rd time Im asking to correspond only by mail. 

She said I know you are aware of this bill and I want to know how much youre going to pay today. I said this is now the 4th time Ive asked to end this call and correspond by mail only. 


She said youre in collections you owe {$1000.00} and I need to set up the payment today and I said for the 5th time i am asking to only correspond by mail on this matter She laughed again and said well we arent going anywhere I will end this call now and will call you again
Consumer complaint received 2023-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RELIANCE FIRST CAPITAL LLC (NC)

My Husband XXXX XXXX XXXX is the borrower. Im on the deed and im making the payments out of my account. Not allowed access to any information on the account. i signed papers here at my kitchen table at the same time he did.im not on the note i found out how can i get information when im the only one paying the bill.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-02-23
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

We are now in US Bank THIRD attempt for them to correct mistakes they made on our deferral plan. I had filed a complaint with you in XXXX of XXXX  ( XXXX ) for this companys unfair business practices, but they denied any wrong doing. 
Now, after all this they are reporting XXXX XXXX payment as late to the Credit Agencies, which they claimed would not happen during the loan modification process. Mine and my Husbands Credit Scores were affected by XXXX points. 
Since all of this is US Banks mishandling of my account, I demand that this be removed from the credit agencies reports immediately!!
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

I bank with Security service Federal Credit Union Debit card was compromised ( don't know how ) and {$3100.00} were charged to my account. 

Fraud detection picked it up and called me. I told them to cancel the card and to refund/dispute and charge back the transactions as I did not make them. 

This was in XX/XX/XXXX. 

Today, XX/XX/XXXX, Security Service emailed me that they believed I made those charges in my account because they were consistent with my account usage. 

However, Again I never made such charges. They did not contacted me to ask additional paperwork or proofs that I didn't make the charges. They just denied the dispute and charged the funds and closed the case. 

I hope CFPB can help me recover the funds because they were stolen, and SSFCU allowed a person to make a transaction without concent.
Consumer complaint received 2023-02-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hi I apply for auto loan with bank of America they made an Auto Inquiry by checking my XXXX  Credit File they did second inquiry and both inquiries are showing on my credit report I call bank of America they say thy going to fix it, but nothing happens yet still showing on my report 2 inquiries for same auto loan.
Consumer complaint received 2023-02-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, 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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (CA)

XXXX Report # XXXX ID # 01 please see attached and publish this XXXX once again lyed SEE ATTACHED the documents attached this reporting does not meet the fair reporting act
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (ID)

I started pursuing a XXXX degree in XXXX at XXXX XXXX XXXX in XXXX Utah in XXXX and was told that I would be in debt of {$45000.00} upon graduating. They did all of my XXXX and Federal Government loans and I never really understood the amount that they were applying for. I graduated in XXXX with my XXXX degree, but had to get a forbearance. I had a forbearance up until XXXX. I am now finding out that I owe {$91000.00} for Federal Student Loans, and I believe that they have double charged me for classes and/or charged me for classes that I either didn't take, or were irrelevant to my degree.
Consumer complaint received 2024-03-20
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. (OH)

Upon examining my credit reports, I observed an instance of a late payment on my XXXX XXXX credit card account # XXXX, which I have consistently maintained timely payments on. Attached are screenshots depicting the account statement displaying a late payment in XX/XX/, as well as my bank statement showing where the payment was made in full during the month of XX/XX/2023. 

Kindly conduct an investigation to verify and furnish evidence demonstrating the lateness of the payment. If no evidence can be provided, I insist that the late payment status be rectified to reflect " paid on time, '' as I have never defaulted on my payment obligations.

Thank you for your prompt attention to this matter.

[ Attachments : Screenshots ]