davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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. (TN)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TN, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Transunion credit report appears to still be showing negative account information prior to their unaccessible investigation that I can not check or access on my behalf after creditor already agreed for the accounts to be removed due to an identity theft report I filed against both creditors. I'm keeping complaint to retain for my records just in case for litigation purposes against the credit reporting company.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (LA)

A Collection is reporting to my credit report that I do not recognize as being mine. I have asked for the original contract from company and have not got a response. I demand this be removed immediately! I have never entered any type of agreement with Midland Credit Management
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX University did not provide any accommodations as a XXXX student and stated that there were no accommodations for online students because they were studying at the comfort of their own home. They stated that the only accommodations available were for on-campus students. After delegating with Mrs. XXXX XXXX, a XXXX specialist, she promised to send a certificate of XXXX document. She never sent it and when I questioned her, she admitted that she forgot to send the document. Because of the lack of competence and care for minority class students, I have a debt of over XXXX that XXXX has been harassing me over. The debt was caused by them after urging me to withdraw from my classes. They did not care that this would affect me negatively. After I conceded and withdrew from my courses, XXXX reported me to the Education Department for fraud. This has caused serious complications in continuing my education. I have been denied access to education by XXXX University, XXXX University, and was put through a very arduous process due to this false statement and accusation. Because of this label, the FSA and its employees have mistreated me and abused me verbally. In recent, I spoke to a woman who verbally spoke to me in a violent manner. I felt threatened by her demeanor. XXXX did not protect my rights as a student and a protective class. They did not implement any affirmative action on my behalf and subjected me to more harm than good. I not only have a large debt but the debt prevents me from getting any private loans like the Grad Plus Loans. I was recently denied and needed an endorser. Given this ordeal, I am requesting a fair resolution below.
Consumer complaint received 2021-01-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/XXXX, I was rear ended. From there the vehicle was totaled out. I contacted the lienholder and inquired about GAP Insurance. I was told I did not have that. After reviewing my contract I did in fact have GAP coverage. The lienholder only removed approximately {$800.00}. After questioning them why they told me that is how it works. I advised my contract stated otherwise. After pulling my payment ledger and matching it with my bank I realized that 3-4 payments that were taken from my bank were never posted. Also, I had gotten behind on the loan. While the in fact did work with me they did not advise me because I was on a payment plan that they would be reporting to the credit bureaus that I have not made payments. Actually, they have reported that I have not made any payments to them throughout the entirety of owning the car. When in fact I have. They have completely ruined my credit and are now looking for a balance of over {$2000.00} which should not be owed since I had GAP Insurance and XXXX. So not only are there missing payments never posted to my account, they ruined my credit by reporting no payments made and also have me on the hook for over {$2000.00} when I had XXXX and GAP coverage. I have made several attempts to get answers regarding the matter and I have been treated very poorly and not one customer service member is willing to help. I reviewed their pay ledger to my checking account. They charged over {$800.00} in late fees when I was on a payment plan and was never advised I would receive late fees. Also, when the car was totaled they showed a past due balance on my online account of over {$2000.00}. They had not been posting any payments made all year. They received a check for over {$5000.00} from the insurance company. Once that check was posted they were still showing a past due balance of almost {$400.00} which did not make sense as 1. The past due balance prior had not reflected any XX/XX/XXXX payments and 2. They received a check for over {$5000.00}. I can not purchase a new vehicle since they reported to the credit bureaus that I have not made any payments. In the year XX/XX/XXXX they reported that I had not made 5 months worth of payments when in fact it had been only 1 month. In XX/XX/XXXX they reported I had not made any payments when I had actually made every payment. I borrowed {$11000.00}. In the 3 years of having the vehicle including late fees and the insurance check from the damaged vehicle they have received {$14000.00}. They removed {$830.00} in GAP insurance when my contract states if the vehicle is lost due to theft, confiscation or destruction you WILL NOT owe the difference. I am unsure of where to turn as I have received no help or guidance from their company. Any assistance would be greatly appreciated.
Consumer complaint received 2021-01-03
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 attempted to remove some unauthorized inquires off of my credit for about 4 times now over the past few months with very little success. I feel as if the bureaus arent taking the time to actually delete them off of my report. All the evidence and documents have been provided so there is no excuse to keep them on my report. FTC REPORT # : XXXX This is a real claim. There are many inquiries remaining and I am demanding them to be removed, last dispute was sent XX/XX/2020. That is more than enough time to block, and pursuant to 605B if there are remaining items from last dispute they have violated that law!
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I got a notice from PayPal saying that my account was permanently suspended, with no explanation, on XX/XX/XXXX. This account has been solely used by myself for 4 years, and I only used it for XXXX for the past month. It is very confusing that why PayPal is doing this.
Consumer complaint received 2022-06-03
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, 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 an account without my written instructions.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (FL)

On XX/XX/20 I switched from XXXX XXXX to XXXX XXXX. On the XXXX final bill they added {$80.00} account charges for the period of XX/XX/20 - XX/XX/20. Dispute both the unknown charges and the dates for those charges. They also assessed an early termination fee of {$170.00} for XX/XX/20. I do not recall ever signing anything that calls for an early termination fee. XXXX can not dispute the date of cancellation. They had to release the numbers in order for me to switch. 
I tried contacting XXXX on after I received their final bill on XX/XX/20. Was transferred to the billing department and hung up after waiting 60 minutes. Called back and the customer service rep told me I could wait for a collection letter. All attempts at phone contact result in long wait times. 
I started receiving text messages for Sequium Asset Solutions ( XXXX XXXX? ). I texted back asking them to call me, they never did. I received their letter dated XX/XX/20. Went to their website and instead of letting me file a dispute, the site only allowed me to arrange or make payment. I used their contact link to formally file a dispute. I also used an email link to send a duplicate dispute through my email. I have never received an acknowledgement much less an answer. They have since place a collection account on my credit bureaus. I have request them to be removed but again no answer. 

I acknowledge I owe the balance for the phone equipment but I won't pay that until we agree on the total billing. 

Sequium ref # XXXX XXXX acct # XXXX Amount {$650.00}
Consumer complaint received 2023-03-20
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. (OH)

I have been victimized by identity theft.I reviewed a copy of my credit report and ( CBNA ) ran an unauthorized credit inquiry on me on, XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact ( CBNA ) and investigate such occurrence I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I sent them a copy of the Police report from the XXXX Sheriffs Office in conjunction with my CFPB Report my dispute letter and lastly my Identity theft report with the Federal Trade Commission Certified mail on XXXX TRACKING # XXXX Due to the incompetence of XXXX the unauthorized inquiry is still reporting. Transunion and XXXX have both deleted the unauthorized inquiry but for some reason XXXX refuses to adhere to the Fair Credit Reporting Act.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 XXXX XXXX XXXX. 

XXXX : # XXXX  # XXXX XXXX XXXX XXXX # ACCT # XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : CBNA 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 2021-01-06
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)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX, US DEPT OF EDUCATION XXXX XXXX US DEPT OF EDUCATION XXXX XXXX US DEPT. OF EDUCATION/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2024-03-21
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. (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX  never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX violated the terms and conditions within their contract, because XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Consumer complaint received 2021-01-06
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 — Problem with personal statement of dispute
Company: NCB Management Services Inc. (ME)

In XX/XX/XXXX, I received a copy of my credit report after being denied a line of credit. I noticed a collection account from NCB Management on my report that I was not aware of. I have never received any communication either by phone or mail regarding this account. Therefor, I sent this company a request for validation via certified mail on XX/XX/XXXX. USPS recorded that this certified letter request was received on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from this company that did not fulfill my request of validating this debt that is on my credit report. The letter from NCB Management was also dated for XX/XX/XXXX however I did not receive it until XX/XX/XXXX. The letter stated that they conducted an investigation into my dispute but they were unable to substantiate my claims. This was not the request that I had made. I further looked into this debt collection company and learned that they are also not licensed to collect debt in my state, which is Maine.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

I had put in payment for PayPal through my bank XXXX XXXX however it wasn't paid. I am very upset to find that it wasn't paid and I paid for it immediately. I have been having problems with XXXX  XXXX XXXX  and I understand its COVID 19 and I have been paying on time with Paypal and they refuse to waive a one time fee for me as a good paying customer. 

I tried to explain with Paypal I just XXXX  my XXXX  because of the XXXX  XXXX related XXXX   XXXX  and they have not been compassionate to my needs.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX should not be reporting that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my XXXX XXXX and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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.