davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/24 I noticed XXXX XXXX account # XXXX has been reinserted into my credit file. You are required within five ( 5 ) days of a previously deleted item. I did not receive such notification. Please delete this item immediately.
Consumer complaint received 2018-09-13
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)

Im submitting a complaint to Trains union. I have spoken to them. The repesintive did not fix the issue. 
Im contesting the inquiries thta are made on my account from Trans union. I have been a VICTIM of their inquiry issue. 
These are the six accounts that Im contesting that should not be on my account. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 4.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount GR Holdings, LLC (TX)

GoodLeap is a finance company for solar panels. On XX/XX/2023 I sent them a debt validation request and requested that until they sent a response to the debt validation they cease reporting any negative or derogatory reporting to the credit bureaus and code the tradeline as " in dispute. '' To date GoodLeap has not provided validation and reported the tradeline as delinquent causing my transunion credit score to drop XXXX XXXX this month. They knowingly violated the FCRA by not accurately reporting the dispute.
Consumer complaint received 2021-04-12
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. (FL)

I submitted a dispute about two different accounts that are a fraud and I sent in a copy of my FTC REPORT AND POLICE REPORT. Based on the FAIR CREDIT REPORTING ACT SECTION 605.B BLOCKING of information resulting from identity theft 15 usc s 168 c-2 states that not later than 4 days after agency is contacted by consumer and informs them of the identity fraud shall accounts be blocked from the consumers credit report. Equifax credit bureau is in direct violation of the FAIR CREDIT REPORTING ACT, I received a letter from them saying they will not block the accounts but instead they will contact the creditor to verify the information.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (AZ)

My money has been placed in paypal for a long time, and I have been unable to withdraw my money. I have contacted them for many times, but they always say that they are still reviewing, so I don't know how long I need to wait My email address XXXX XXXX
Consumer complaint received 2018-09-13
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)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted.XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 


XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXXXXXX this account doesn't belong to me. Please delete.
Consumer complaint received 2018-09-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC (FL)

I have a personal loan with lending point. My credit union refinanced the loan for me, and overnighted a check to lending point. The name of my credit union is XXXX XXXX XXXX XXXX. I waited just over a week, to call and verify the check was received. I was told they show no record of a payoff check. I called the CU, and got the tracking information. We show the check was received on XXXX at XXXX and signed for by a XXXX. I sent this information to lending point and they stated they would look into this and call me back. I call back the next day to see if any progress was made, and was told that her manager did not come in, and her manager was working with accounting. XXXX XXXX with lending point is the assosiate I spoke with, and she said that she would look into his and get back with me. I then had to call back the following day as no one has called me, and was told XXXX is out to lunch and will call me back. I then asked to talk to a manager or supervisor, and was told they did not have one in today, and XXXX would call me back. A few hours later I get an email from XXXX asking for the amount of the check, so they can look thru there deposits. I get this information to them same day. I have called and asked for a call back no one calls. I have emailed XXXX asking for an update, or anything and info not get a response. They are charging me daily interest on the account, and Took out another payment today. They received the check on XXXX it has now been 16 days and no one even knows where the money went {$20000.00}. I have my first payment on the new loan XX/XX/XXXX, and I really do not want to be paying on two loans as it seems like no one at lending point wants to help. They stated they would call me back on Monday the XX/XX/XXXX and I have still not been able to get any information. I just do not know what my next step is. 
Thank you.
Consumer complaint received 2018-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (MO)

This company ( Capio Partners LLC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$150.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CO)

American Express has been trying to collect a fraudulent debt for several years now for an account that was opened while I was a minor. I have since tried to dispute this account with them, however, they will not give me any information because I do not know the date of birth or social security number associated with this account. They had stopped sending me letters after I disputed the information with the credit bureaus. However, they sent me a new letter dated XX/XX/2018 stating that they transferred the account for collection. The problem is that this is not my account. It was fraudulently opened while I was a minor, and I can not access the account because I do not know the information used to open the account. The only information I have access to is what comes on the collection letters. this is the last five numbers of the account and balance due.
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TX)

The original bill was from my son when he was in college in Missouri. I paid it AFTER I was aware of it and a few months later they sent ME ANOTHER BILL which I disputed. THAT was paid AND CLEARED my account XX/XX/XXXX, for XXXX, check XXXX to XXXX XXXX XXXX XXXX XXXX!! Anytime I tried to question the bill I was ALWAYS told they COULD NOT GIVE ME ANY INFORMATION, yet they continued to harass me with bills. NOW I am receiving bills from Credit Bureau Systems Inc out of XXXX, KY ( XX/XX/XXXX ) and when I called XX/XX/XXXX, I was told they couldnt give me any information just like I was told by XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (MO)

This company ( SANTANDER ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7400.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

As of today, I am only one month behind on my mortgage payment for my condo located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. It is currently up for sale and I have already moved. The condo was purchased prior to the housing market crash, so I owe more on it than it is worth. I can not wait to get rid of it. 
My concern is that the mortgage company Dovenmuehle Mortgage , Inc. has not  been posting payments sent to them, and have not even cashed a couple of of checks I have sent them. Dovenmuehle Mortgage Inc ( DMI ) claimed not to have received a cashiers check I sent them from my credit union, but I have proof that they did receive it from my credit union, which I will attach. I also sent them a check from my XXXX XXXX Checking account, check number XXXX dated XX/XX/2018, which still remains outstanding/not cashed. 

These are a few of the problems that I have reported previously about this company. This is very serious, and this company needs to be investigated and shut down. The statements that they have sent to me are hardly ever accurate. Something needs to be done and action needs to be taken on Dovenmuehle. Dovenmuehle is making it difficult for me to get rid of the underwater condo, that I still must pay a condo fee on  every month plus utilities, which if costing me even more money I simply do not have, well at least until I can get this condo sold via a short sale.
Consumer complaint received 2022-03-10
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. (IN)

I am not sure of these accounts with XXXX XXXX XXXX XXXX and XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in EXPERIAN so I believed EXPERIAN was not able to investigate this account promptly. Please supply any signed agreement with this company.
Consumer complaint received 2019-01-09
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. (VA)

hello, I have sent several letters to the creditors and the bureaus about unauthorized inquires that shows to be on all 3 of my credit report. On XX/XX/2018 and XX/XX/XXXX I sent certified letters to all three credit bureaus and all creditors that showed on my report to show me proof that I authorized these inquires and no one send proof. I am Requesting that they show proof that I authorized theses inquires or have them deleted.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks
Consumer complaint received 2018-08-25
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. (OR)

XXXX XXXX XXXX ( XXXX ) reported a collection of {$390.00} for XXXX XXXX XXXX mobility. I paid the collection in full, and actually paid extra for a total of {$400.00} for them to process the payment over the phone. The payment was made XX/XX/2018, and the money was withdrawn from my bank account the next day on XX/XX/2018. A week later, I checked my credit report and it showed a {$0.00} balance, but the entry was still OPEN. there was an option to dispute the entry with TransUnion, so I disputed it to be marked as a CLOSED. the dispute came back saying the information was accurate and the balance went back up to {$390.00} showing it was never paid, and then a missed payment entry for the balance was also posted to my credit report. I have contacted XXXX several times to get this false information corrected. I was told by XXXX to not dispute the entry, and that they would correct the false entry and it would take up to 45 days for the information to be updated. Every time I call XXXX I get told they will re submit and I have to wait another 45 days. Ive talked to supervisors at XXXX but nothing has been done. I get a different response each time I call, and they claim the entry is in dispute and thats why its not updating. I have not disputed the entry since XX/XX/2018 when I was told not to dispute it and wait 45 days. 

I have also contacted TRANSUNION directly several times and submitted documents from XXXX saying the payment of {$400.00} was made on XX/XX/XXXX. TransUnion says they did an investigation and found that the information was accurate, which it is not. Ive attempted to resolve this for 3 months with both XXXX and TransUnion and both of them have been giving me the run around and telling me something different every time I call, even when I have submitted proof of payment of the debt, and submitted a written letter explaining the situation to TransUnion they have not corrected the false entry. XXXX is telling TransUnion the information on the entry is accurate, when it clearly is not. I paid the full collection in one payment, the entry should have been updated to show a {$0.00} balance and be marked as CLOSED. i have been trying to get this resolved for months and have done everything asked by TransUnion and XXXX and still nothing has been done.
Consumer complaint received 2023-03-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC (TX)

PHOENIX FINANCIAL SERV is damaging my credit. The medical debt I believe was a hospital bill through XXXX  XXXX over 5 years ago. The debt is very old, however, this agency keeps renewing the every few months to bring down my credit as if the debt is new. I want this debt removed as it has already been placed on my credit before. They just placed on my credit again in XXXX and now XXXX. Everytime they do this, it brings my credit down XXXX pts. I called the hospital and asked for a itemized breakdown of the services to support these charges of over XXXX. I never received it. I also had insurance in 2018. Which if these charges are valid, should have been billed to them. I want this debt removed, provide proof of debt of services in itemized breakdown, listing each cost they charged for as it was requested and never sent.
Consumer complaint received 2018-08-25
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: EQUIFAX, INC. (MO)

Equifax is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).
Consumer complaint received 2018-08-25
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: Experian Information Solutions Inc. (MO)

Experian is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (KY)

The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks
Consumer complaint received 2022-11-15
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. (NJ)

In accordance with the fair Credit Reporting Act XXXX 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 1604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (OR)

XXXX XXXX XXXX ( ERC ) reported a collection of {$390.00} for XXXX XXXX XXXX mobility. I paid the collection in full, and actually paid extra for a total of {$400.00} for them to process the payment over the phone. The payment was made XX/XX/2018, and the money was withdrawn from my bank account the next day on XX/XX/2018. A week later, I checked my credit report and it showed a {$0.00} balance, but the entry was still OPEN. there was an option to dispute the entry with XXXX, so I disputed it to be marked as a CLOSED. the dispute came back saying the information was accurate and the balance went back up to {$390.00} showing it was never paid, and then a missed payment entry for the balance was also posted to my credit report. I have contacted ERC several times to get this false information corrected. I was told by ERC to not dispute the entry, and that they would correct the false entry and it would take up to 45 days for the information to be updated. Every time I call ERC I get told they will re submit and I have to wait another 45 days. Ive talked to supervisors at ERC but nothing has been done. I get a different response each time I call, and they claim the entry is in dispute and thats why its not updating. I have not disputed the entry since XX/XX/2018 when I was told not to dispute it and wait 45 days. 

I have also contacted XXXX  directly several times and submitted documents from ERC saying the payment of {$400.00} was made on XX/XX/XXXX. XXXX says they did an investigation and found that the information was accurate, which it is not. Ive attempted to resolve this for 3 months with both ERC and XXXX and both of them have been giving me the run around and telling me something different every time I call, even when I have submitted proof of payment of the debt, and submitted a written letter explaining the situation to XXXX they have not corrected the false entry. ERC is telling XXXX  the information on the entry is accurate, when it clearly is not. I paid the full collection in one payment, the entry should have been updated to show a {$0.00} balance and be marked as CLOSED. i have been trying to get this resolved for months and have done everything asked by XXXX and ERC and still nothing has been done.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX - they are reporting under two names with incorrect information on my XXXX, XXXX & XXXX report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX  is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my XXXX report and on my XXXX report I see a company by the name of XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & XXXX received my request on XX/XX/2018 my current file number : XXXX.