davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (NV)

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. 

bankruptcy XXXX XXXX - discharged : # 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 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 2024-10-09
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: Resurgent Capital Services L.P. (PA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear LVNV FUNDING LLC, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically the Pennsylvania Consolidated Statutes Title 18, Section 4120 ( Identity Theft ). 

It has unequivocally come to my attention that LVNV FUNDING LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX identity theft statute, Title 18, Section 4120, criminalizes the unauthorized use of personal identifying information, including its use in fraudulent credit reporting activities. This statute provides strong protections to consumers, and any unauthorized reporting to credit bureaus without explicit consent is in direct violation of my rights. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that LVNV FUNDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX identity theft law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MO)

Under XXXX ( b ) ( XXXX ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. For purposes of XXXX ( b ) ( XXXX ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of XXXX ( b ) ( XXXX ) ( i ), unless the debt collector is also a creditor.
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

This was never my account! I'm not aware of this account. I never signed a contract with this account. I should not be held accountable for this account because it is not mine! I have already asked this account to validate this account, and it has failed to do so.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (NJ)

I had XXXX XXXX XXXX come to my home was interested was going for financing only because salesman ( XXXX XXXX XXXX said a soft hit only on credit report. I have alerts from Experian as soon as he ran it came back as hard. I should him, he called manger got number to XXXX .I tried to have them remove they told me to call Experian Experian would not take dispute. They told me they don't take disputes on inquires, Even though I have all information. This is not right I did not consent to this
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

Today was my XXXX attempt to buy and transfer XXXX from PayPal and send to my reliable XXXX XXXX. My last XXXX attempts to buy and transfer XXXX were both locked after purchasing XXXX. My original and first purchase was transferred with no issues. Thereafter, nothing has worked as it should. The excuse by PayPal is that they use a XXXX party system to send and receive crypto. If this is the case, why did my first purchase transfer without issues. The reality is they are using an unreliable security technology that makes too many assumptions of fraud. Once PayPal or Venmo receives information that the purchase and transfer is not fraud, they do NOTHING about it to allow for the release of the funds. The funds will remain locked for up to XXXX days, see my previous complaint filed against Venmo. PayPal needs to take responsibility for the failure of their security technology, get it fix and find a better way to allow access to funds. I know that numerous complaints have been filed but yet nothing is done to hold PayPal and Venmo accountable for these unacceptable holds. XXXX is instant and can not not be recalled. Therefore, what reason is there to place a hold on the funds? Its simple, PayPal has a known problem with their crypto trading platform and doing nothing about finding a better solution. I will now have to sell the XXXX, transfer the funds back to my account and use another site to purchase and send the XXXX. This will cost me about {$20.00} waisted on PayPal. I do expect a full refund from PayPal for all the fees charged for buying and selling the XXXX.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

On Mon. XX/XX/23 I opened an account and deposited a check XXXX XXXX XXXX XXXX, for a refund of an issue we had. 

on XXXX XX/XX/23, this {$800.00} check cleared my account. 

on XXXX XX/XX/23, this {$800.00} deposit was reversed by PNC, and said the issuer had placed a stop payment on this check ( after it was already cleared ). I found out they did this because I had given them a bad reveiw, the Sales mgr told me this, I then spoke with his mgr and they will be re-issuing the check. 

I don't know how a bank can take money out of someones account on a deposit that has already cleared, when the issuer puts a stop payment after the check was already cleared.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXX student loan account # XXXX, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) by failing to correct these inaccuracies. Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ), Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c, and the Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531. I have attached a copy of the original correspondence from XXXX, dated XX/XX/2024, which confirms the correct balance and payment status of the account, proving that Experians current reporting is inaccurate.
Consumer complaint received 2023-03-21
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. (FL)

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 XXXX5 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 instruction.

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 2022-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (AR)

It has come to my attention that CHRYSLER CAPITAL/ XXXX XXXX did not disclose certain vital facts in regard to the consumer credit transaction. Pursuant to 15 usc 1605 ( a ) ( 5 ) the finance charge includes insurance in which I had to purchase, and it's in the sum of all charges. Also, under 15 usc 1635 ( a ) I the consumer was not informed or provided documentation of my right to rescind on the transaction. 

I was rushed into a car the day of purchase without any knowledge or documentation of the rescission paperwork, nor did I receive it in the mail. 
I had to pay for insurance out of pocket and insurance is supposed to be in the finance charge which is also the sum of all charges why am I being charged interest, late charges, Security interest, service and handling fees and also a service contract fee? ( See paperwork attached ) This is a VIOLATION of my rights its wrong unjust and it has caused me stress from all the letters and phone calls. I've even received a letter stating that CHRYSLER CAPITAL will accelerate the maturity of the outstanding debt Pursuant to 15 usc 1692c ( c ) ( 2 ) I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you CEASE AND DESIST any further communication ( by phone/mail ) including automatic phone call system you have calling my phone more than once or twice a day. Unless in response to notify demands have been met.

. Pursuant to 15 us 1635 I have the right to rescind this contract
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have seen that this company have been fraudulently charging me when the account has been closed forover a year now, it is also showing incorrect dates on all three of the credit bureaus according to the datesshown on each account, i will like this to show this as removed.
Consumer complaint received 2024-09-24
Product: Credit reporting 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. (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.

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 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

I am writing to formally dispute an alleged debt that Southwest Credit System is attempting to collect. I recently received communication from Southwest Credit System regarding the above-referenced debt. This communication was received within the last 30 days. 

I dispute the validity of this alleged debt in its entirety and am requesting verification of the debt. Specifically, I request that Southwest Credit System provide a copy of any contract or agreement with the original creditor, XXXX, signed by all relevant parties. I do not owe the amount in question, and Southwest Credit System is illegally attempting to collect money that I do not owe.

Furthermore, I request that Southwest Credit System cease and desist all collection activities, including reporting this alleged debt to any consumer reporting agencies. If any reporting has already been made, I request that they promptly delete it from my credit file. If these actions are taken within 14 days, Southwest Credit System will be excused from further verification of the debt. 

Please note that I may escalate this matter to an attorney if Southwest Credit System fails to comply with these demands. 

Thank you for investigating this matter and ensuring that my rights as a consumer are protected.
Consumer complaint received 2022-08-19
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. (RI)

In accordance with the Fair Credit Reporting Act 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 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

This account was never mine! I'm not familiar with this account. I never agreed to anything with this account. I should not be held responsible for this account because it is not mine! I've already asked this account to validate this account, and it has failed to do so.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-07-11
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-10-13
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. (NY)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CT)

I never received the response in the mail as stated in a previous complaint filed against the same banking institution. On XX/XX/2023, I reached out for the 17th time to initiate a claim for fraud for a total amount of approximately {$40000.00}. I did the same on XX/XX/2023, and even went to a branch and sat there for over two hours to try and file a claim. I called today, XX/XX/2023, to the fraud department to obtain a case number or anything, and was bounced around to person to person and never was connected to anyone who could take the claim information or answer a single question. In 3 hours and 45 minutes ( Three hours Forty-Five Minutes ) of bouncing around with all the different representatives at Wells Fargo not a single time could I accomplish the purpose of my call. Each and every time I have contacted the Fraud Department at Wells Fargo or even call the bank I am not able to file a claim of fraud. This was the entire reason for me filing the first complaint with the CFPB which did absolutely nothing. The bank still has not allowed me to file the claim of fraud and there are too many checks to list in this complaint. I am tired of constantly wasting my time with this banking institution. If I can not get the claim filed how can anyone be held accountable for the fraud which I might add is a Class-D Felony. The Power of Attorney was allowed by the bank to cash and write checks and sign them as POA, which the POA had not been authorized to do on the account. Double-endorsed checks were accepted multiple, multiple times at the teller window. Endorsed checks did not match that of who the Pay to line is made out to or it was altered. The list is extensive and if this matter is too big for the CFPB or Wells Fargo 's Fraud Department, then I need to know who to file the complaint with as I do have tangible proof of the fraud. If you can graciously provide me with who to contact since the CFPB can not assist with fraud, I would be more than happy to contact the correct department. I will keep filing complaints with the CFPB, till I get a resolution to the fraud complaint that has not been filed in close to a year, not for lack of trying on my part, but for lack of the bank for not assisting the customer and educating their employees on how to handle fraud complaints. Even the XXXX XXXX XXXX XXXX who I spoke with the associate XXXX can not help with filing a fraud complaint. The amount of time that Wells Fargo has wasted and caused me to waste exceeds the amount of my salary I make in a year. I WANT THE BANK HELD ACCOUNTABLE! If I can not file a complaint or report fraud with the fraud department who am I supposed to report it to?
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Due to my previous correspondence concerning inaccuracies within my credit file, Transunion has regrettably declined my request for a copy of my credit report. I find myself presently barred from accessing this information online, which has created an urgency in obtaining my credit report, as I am in the process of applying for a mortgage.