davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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)

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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-12
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)

I made a request on numerous occasions for my XXXX XXXX number : XXXX be updated as paid in full and removal of all late payments!! I took it among myself to speak to XXXX myself on. XX/XX/2024 at XXXX and spoke to representative XXXX XXXX the title department on why my credit report was not showing paid in full and the balance reflected to XXXX and all negative items removed, she informed me that they did update all information and it was the XXXX Bureaus that had not correctly updated the information I asked that they send me proof and they emailed me a letter verifying that the account is satisfied I have also submitted proof of payment.
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

I have been going back and forth. Well Ill say back and back because trans world hasnt been responding to my complaints about this account on my credit profile acct # XXXX amount {$1400.00} this account isnt mine, Ive attached copy of my affidavit as well. Ive mail letters and recieved no response
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2022-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

In XXXX, my information was compromised by XXXX doing their data breach. I began the process of looking for a home and to my surprise, my information was used to open multiple credit cards on the same day! I've tried over and over again to have these items removed and to have the companies to stop reporting the inaccurate information on my credit. I've called XXXX since XXXX to have them rectify the issue and received nothing but credit monitoring. They have not taken ownership for anything that has happened to me. Fast forward to XXXX, I'm still having issues. I couldn't buy a house and I can't even get an apartment in my name because they say I have ongoing debt. This is truly unfair. I'm on the verge of breaking out in tears!
Consumer complaint received 2022-04-16
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. (MD)

I paid off XXXX loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a zero balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise Experian and XXXX XXXX claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded XXXX XX/XX/2022 statement showing 0 balance. I have also call them about their investigation results, and still got no where with this. 
XXXX is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only imagine how many others that are going through the same thing. This needs to be fixed asap. Thanks
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I paid off XXXX loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a zero balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and XXXX XXXX claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded XXXX XX/XX/2022 statement showing 0 balance. I have also call them about their investigation results, and still got no where with this. 
XXXX is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only imagine how many others that are going through the same thing. This needs to be fixed asap. Thanks
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-25
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. (MO)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquires on my ( TransUnion ) credit report. I recently retrieved my credit report and it showed ( 6 ) credit inquiries that I have no knowledge of ever authorizing.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Removal date : XX/XX/XXXX ) -XXXX XXXX  ( Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ) -XXXX ( Inquiry Date : XX/XX/XXXX XXXX Date XX/XX/XXXX ) -XXXX  ( Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX  ( Inquiry Date : XX/XX/XXXX Remvoal Date : XX/XX/XXXX )
Consumer complaint received 2022-04-16
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. (MD)

I paid off XXXX loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a zero balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and Trans Union claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded XXXX XX/XX/2022 statement showing XXXX balance. I have also call them about their investigation results, and still got no where with this. 
XXXX is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only XXXX how many others that are going through the same thing. This needs to be fixed asap. Thanks
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (KS)

Switched my bank to Albert because they advertised early deposits for pay. My check went out from work Wednesday of this week. Today its Friday morning at XXXX am and instill dont have my deposit. No one will answer question. No number to call. This is very frustrating and I need an answer. They can just steal my money!
Consumer complaint received 2022-04-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (AZ)

Origination fees were omitted from verbal discussion and I was charged {$12000.00} in just fees to finance a solar unit that was {$15000.00} for just the unit. In what world is it acceptable to charge points and fees in excess of 70 % of the financed property. 

I would also like to add that my credit is in excellent shape, making the fees more ludicrous.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello yes, my name came up in XXXX again for a amount that I have sent the required fee to have this former account closed as stated. It's with Bank of America a older checking account dated 2018. I have paid their collections department before being notified by XXXX XXXX  and it appears they never removed or updated the systems that I took care of my balance that was paid already. 

Bank of America XXXX XXXX XXXX XXXX FL XXXX It's incorrect information that's coming up, the {$750.00} has been paid off already, it's showing in XXXX report as upaid but I know I paid it off already, positive, because it's what's holding me from my business affairs also. 

Thank You
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/2022, I received a letter from Commonwealth Financial Systems. This letter shows it was dated XX/XX/2022. This letter informed me they were attempting to collect a medical debt on behalf of XXXX XXXX XXXX, whom I had already disputed this debt with but never received any valid proof of in accordance to the New Regulation F. 

Upon receipt of this letter from this new agency, I sent a dispute via certified mail on XX/XX/2022 which shows a confirmed delivery of XX/XX/2022. When I woke up today - XX/XX/XXXX - I received a notification from my credit bureaus stating a new collection account was added to my report yesterday, and my score dropped XXXX POINTS! 

I NEVER received any sort of valid proof- as requested - about this debt nor did this company wait any " reasonable '' amount of time before adding this account to my major credit reports, causing detriment to my name. They waited ONE WEEK before reporting this, on the day my response shows delivered. I responded 3 days after I received this in my mailbox. This is not reasonable whatsoever. In my attempt to call them with a request to remove this from my report, they refused. They advised they mailed me a letter XX/XX/XXXX and had waited a " sufficient '' amount of time. They're in PA and I'm in TX. It is obvious time needs to be accounted for when waiting for a consumer to receive notice and respond regarding an alleged debt. 

What is the purpose of passing federal regulations if they are not going to be followed? I respectfully request you look into this matter and hold Commonwealth Financial Systems accountable for violation of 12 CFR Part 1006 ( a ) ( 1 ) ( ii ) ( Regulation F ).
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, My name is XXXX XXXX. 

I have reached out to the XXXX about reporting incorrect information on my consumer report. I have connected XXXX six times about this matter Via online, phone, and mail. The account with XXXX is currently in ligation. I do not owe this alleged debt. I DEMAND that this is deleted.
Consumer complaint received 2022-04-16
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)

portfolio recovery account # XXXX date opened is different from XXXX then experian XXXX date opened is XX/XX/XXXX experian date opened is XX/XX/XXXX date of last active are different from XXXX  then experian XXXX  date of last active XX/XX/XXXX experian date of last active is XX/XX/XXXX delete this account for multiply inaccuracies.
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (AL)

Penn Credit Corporation sent me a letter dated XX/XX/2022 which I received in my mailbox days later in mailbox regarding a debt and I mailed a dispute letter requested dispute of debt on XX/XX/2022 and requested a validation of the debt which I kept copies. In their letter on XX/XX/2022 they said I could dispute by XX/XX/2022. If you do not dispute we assume the debt is correct. I wrote in letter if they did not send me a validation letter according to the Fair Debt Act it should be removed from credit report. I also mailed a certified letter and received a green return signature card after they received it. They had 30 days to send me letter of validation of information requested and did not receive anything with that 30 days. Then they sent another letter on XX/XX/2022 ignoring my letter of validation asking me to pay the debt. Failure to do so they stated in letter will lead us that I had no intention to pay the debt. They still did not send a validation letter at all. You are not supposed to send letters about payment until a dispute is done. Today, XX/XX/2022 in my informed delivery of USPS mail which I have copies they sent me a letter saying they verified debt with me which they did not and never sent me info. Just received a letter today on XX/XX/2022 and letter was stamped and mailed on XX/XX/2022 from Postal Service. Stated they verified information with me on XX/XX/2022. By law I had a right to validation and they must send a validation letter thats requested within 30 days after dispute. This is a lie. They never did within that time. I have copies of everything. I want this debt collector information and debt removed from all my credit reports. They are not going by the law of Fair Debt to consumer.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (GA)

Good morning, Around XXXX & XXXX I went through some health issues & spent most of my time going to the doctor because they were not able to figure out what was wrong with me. 
I had to go specialists from XXXX XXXX XXXX XXXX XXXX XXXX, countless of blood work & so on. 
As you can imagine it was the hardest moment of my life & was not able to pay in time to my credit cards. 
Credit cards providers were called & explained the situation but no one was willing to work with me unfortunately. 
after many calls & good faith letters they were not able to remove those late payments. 
Time passed & was able to get back on my feet, all credit cards were paid off & balances were taken down. 

It has been 3 4 years since my fallout & no payment has been missed, everything was working wonderfully until we tried to purchase our first home. Hurts my heart that after all I went through to pay each and every creditor those late payments are still hurting my credit & not letting me & my family move forward. 
if my case was were I did not pay them I would take full ownership of my actions & in this case it does not apply to me. 

It would be life changing literally if you could help me take the next step forward. Please consider my words, actions & help me to the best of your abilities. 


Following accounts have reported late payment in the past. 

XXXX XXXX XX/XX/XXXX - 30 days Past due payment XXXX  XX/XX/XXXX - 60 days Past due payments XXXX XXXX XXXX  - XXXX XXXX 30 days Past due XXXX XXXX 60 days Past due XXXX XXXX 60 days Past due XXXX XXXX 60 days past due payments American Express XXXX XXXX- 30 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 60 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 60 days past due payments XXXX XXXX I lost my job right after I purchased the car & had to work my way around to prioritize my bills. car is now paid in full. 

XX/XX/XXXX - 30 days past due XXXX & XX/XX/XXXX - 30 days past due payment. 

Thank you so much & have a blessed day!
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL)

A medical account was opened after theft of my identity. AR Resources , Inc. illegally obtained this account with private health information and is also attempting to collect an alleged debt from me that I do not owe. This is false and misleading representation because I have never contracted with AR Resources , Inc. nor did I provide location information to this third party debt collector to contact me directly or indirectly. They have threatened to harm my personal reputation by illegally reporting this inaccurate and invalidated information to consumer reporting agencies if the alleged debt remains unpaid. AR Resources , Inc is in violation of my rights as a federally protected consumer.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (PA)

I have submitted disputes to you and I didnt get a response in 30 days and yall are required by law to do so.Please investigate my disputes, Please.Thank you
Consumer complaint received 2022-04-16
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. (PA)

I have submitted disputes to you and I didnt get a response in 30 days and yall are required by law to do so.Please investigate my disputes, Please.Thank you
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

While I was reviewing my credit reports ( equifax ) came across soft inquiries. Now I don't care if it is a promotion or not I never authorized anyone to check my credit history or credit score. This should be illegal for it seems to me that is ID theft, or at least leading to do something illegal. 
XX/XX/202XXXX XXXX Promotional Inquiry XX/XX/2021 XXXX  Promotional Inquiry
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (GA)

I have 21 different accounts with DEPT OF ED/NAVIENT and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.