davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

I relocated from XXXX, Virginia to Georgia for employment and rented a townhome in XXXX, GA beginning XX/XX/XXXX. On this day I paid the {$500.00} security deposit and pro-rated rent of {$160.00} ( XXXX rent ). I continued to pay my rent on time and in full, totaling {$1700.00} + {$3.00} convivence fee from XX/XX/XXXX- XX/XX/XXXX. As my job was located on the XXXX XXXX XXXX base the daily XXXX hour commute became too much and I spoke with the rental office to express my anguish. I was told that I could break my lease by giving a 30 day notice as well as surrendering my security deposit. I notified the property manager, XXXX XXXX of the intent to terminate my lease mid XX/XX/XXXX ( more than 30 days in advance ). I also confirmed that I understood that I would have to surrender my security deposit of {$500.00}. I moved into my new home with a commute of XXXX minutes to my work on XX/XX/XXXX and completed my move out inspection XX/XX/XXXX ( I have included the move out inspection which shows that I surrendered the unit keys and mailbox key as well as no damages to the unit ). On this date I confirmed that everything on my end was in good standing as I was told that there was an individual that would be moving into the unit and nothing was owed. A while later I began receiving bill stating that I owed on the property. I emailed the property manager to inquire about the fees ( please see email attached ). I was told that because someone else changed their mind I was responsible for paying prorated rent for XXXX. I do not think that is fair as my lease was absolved and I was told I was not responsible for someone else not occupying the unit and voiding their lease. I have reached out to the XXXX XXXX XXXX XXXX XXXX and have been met with attitude and no solution other that " you need to pay it ''.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-09-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The Credit bureau stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) I ) ( i ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2024-02-01
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (FL)

On XX/XX/2023 I booked a hotel thru XXXX XXXX app when I got to the hotel I couldn't check in due to the hotels internet being down the hotel refused to refund me I disputed it with credit karma on XX/XX/2023 for not receiving the goods or services I spoke to 2 agents via live chat they told me I was to receive provisional credit on XX/XX/2023 then my account wasn't credited I spoke with an agent on XX/XX/2023 who informed me I had to wait an additional day then I would be credited it's now XX/XX/2023 and I still haven't received my money and all support can tell me now is that they will escalate it and I will receive an email in 5-7 business days
Consumer complaint received 2022-09-04
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. (PA)

The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity XXXX is reporting XX/XX/XXXX. Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 
2. High Balance XXXX is reporting {$440.00}. Experian is reporting {$0.00} and XXXX is reporting {$200.00}. 
3. Dated opened XXXX is reporting XX/XX/XXXX. Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX 4.Credit limit XXXX is reporting {$230.00}. Experian is reporting {$230.00} and XXXX is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A
Consumer complaint received 2020-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (FL)

I paid {$730.00} to money lion on XX/XX/XXXX, which was to pay off a credit builder loan. I called and requested access to my escrow funds ( amount held until loan is paid off ) they stated it will be 5 business days until I will receive the amount. Its now XX/XX/XXXX I have still not received my funds Ive been lied to by multiple supervisors ( XXXX, XXXX ) telling me when Im going to retrieve my funds. I get pushed around every time I call in they are completely unprofessional and it takes 40 minutes to get a supervisor. I requested a manager above XXXX and she stated they were in a meeting and it could take up to two days for me to get a call back and due to them escalating my account its now another 3-5 business days. Will be getting an attorney.
Consumer complaint received 2023-02-19
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. (MO)

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

XXXX XXXX Bankruptcy Date Filed : XX/XX/2020 XXXX  XXXX XXXX 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 2023-02-10
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)

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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. (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 XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX has violated my rights XXXX 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Exclusions, in the context of credit cards or similar devices, pertain to the process or state of excluding or being excluded from any authorization or approval for a specific extension of credit, whether directly or indirectly, by the issuer.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under RMP Services and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had ( ) late payments on an account that I was never late for. I also noticed I have accounts on my report that I did not open. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts listed. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WA)

On XX/XX/XXXX, I created a transaction using the pay anyone function in the app to send {$400.00}. My recipient stated that they did not receive the money. They contacted their financial institution and found out that Chime reversed it seemingly for no reason. Chime forced me to dispute the transaction stating that they felt the need to investigate. As of XX/XX/XXXX, they have denied my dispute despite neither me nor the recipient being in possession of the funds.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi, I noticed there were several inquiries on my credit report. I have made the bureaus aware of this and informed them these inquiries were made without my consent, knowledge, or authorization. I have sent out letters recently and have tried on several occasions to resolve this issue with the companies and banks. I have also sent out letters to the credit bureaus. 

I am hoping you are able to help rectify this issue, as it's frustrating and challenging to be a victim of any company 's fradulent and unethical practices.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
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. (PA)

All actions were taken to dispute these accounts and inquiries that's listed on my consumer report all letters has been sent out and all creditors has been contacted for some of the accounts listed below. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX {$650.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX  {$220.00} XXXX  XXXX XXXX  {$930.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$610.00}
Consumer complaint received 2023-02-20
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. (AZ)

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 USC1681. 
XXXX Account number XXXX has violated my rights to privacy and confidentiality 15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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 or information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
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. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (NC)

Back in 2017 an account was open up in my name with Santander ... and the account was used for my ex to get an auto loan but it was charge off in my name .. I barely make XXXX  yearly because I get ssi for my son this debt cost way more than I make and I never had the vehicle in my possession ... please help me by doing a one time deletion on this debt ...
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prince Parker & Associates (IN)

I asked XXXX to remove an account from my credit report. The account was with Prince Parker and Associates. They have falsely tried to collect on a debt that they do not have. XXXX pulled the account back from them last year and sent it to another debt collection agency. I paid that agency in full several months ago. I sent Prince Parker and associates the paid in full letter and receipt for months. I've disputed the debt with XXXX XXXX or XXXX times now. Each time the debt was validated, despite XXXX XXXX not even having the account. After no resolution, I filed a CFPB complaint on them. They then advised that the account was " withdrawn '' in their office. They have refused to send me any information to date, as proof of this withdrawal. Anyway, I was told by Prince Parker to wait until XX/XX/XXXX to file another dispute with XXXX. I was advised to do this because supposedly now that the account is withdrawn, they will no longer validate the debt ( which is crazy cause THEY DONT EVEN HAVE THE ACCOUNT ANYMORE ) any way on XX/XX/XXXX I filed a dispute with XXXX XXXX they not only VALIDATED the account they even updated the date! This comes after I sent XXXX all of my correspondence with Prince Parker. I even sent them their CFPB response, saying my account was " withdrawn '' it even had the CFPB, complaint number. I even sent them the paid in full letter and receipt form XXXX XXXX XXXX and they still did not correct the reporting! I called their customer service and the rep advised that she could not tell me why the account was not removed despite all of the information they had. The only other thing I could do was file a written complaint. Which I have done via certified mail and now through the CFPB. A XXXX from XXXX is supposed to call me by end of the day today, XX/XX/XXXX, but is only to explain the findings, which does not help me. This issue has gone on far too long. At this point I am seeking legal assistance because I am certain my consumer laws have been violated.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is not updating since XX/XX/2023, just trying to get them to update my balance/ credit limit. 

XXXX sent new cycle and information to TransUnion but still no update.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FRCA violations not mine not my credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. $ XXXX XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual never late XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX