davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a certified letter asking XXXX, Transunion, and XXXX to investigate my accounts. I have the tracking available at request. It has been over 30 days. These consumer reporting agencies are in violation. In accordance with the fair credit reporting act, my rights have been violated.

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. Also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, According to 15 U.S.C 1681i, XXXX, Transunion, and XXXX have 30 days to investigate and send me the results. 

They also didn't record the current status of the disputed information which is another violation. 

I have attached evidence of the letters sent to the credit agencies.
Consumer complaint received 2023-02-06
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. (NV)

( New and Updated Information ) Please see attached documents. TransUnion Deletion Notice XXXX XX/XX/2023 Credit Report per FCRA the " creditor '' / " company '' must supply the same information. 

Fraudulent Inquires on report I did not authorize for the companies to pull my consumer report.
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2022 I received an email from PayPal that stated I can no longer do business with PayPal due to PayPal 's Acceptable Use Policy. That my PayPal account has been permanently limited and my funds in my PayPal balance is on hold up to 180 days. 

I was in shock and flabbergasted and thought the PayPal email was a phishing scam email. So I logged into my PayPal account to check and my account was terminated and I could not transfer my {$2200.00} funds from my available balance. 

I contacted on XX/XX/2022 PayPal customer service to get my PayPal account re-activated since I gave PayPal the benefit of the doubt that they made a mistake. I have been doing business with PayPal for many years since XXXX and PayPal were together. But to know avail PayPal sent me an email back informing me that my PayPal account will remain permanently limited. 

PayPal unlawfully seized my money without informing me of any prior notice of the reasons behind the account freeze. PayPal gave no information how and when my money will be returned to me. I have not committed any illegal activities using PayPal. I sell online my used personal belongings that are all legal, which customers/buyers for some items paid at checkout using PayPal. PayPal can not seize my legal money that would be theft and an illegal crime punishable by law.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act the following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX,
Consumer complaint received 2022-07-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I am a current homeowner, who closed on my first home XX/XX/XXXX. I was excited. However, in XX/XX/XXXX, I lost my job and was crushed! Since then I have struggled to make payments. I have been in contact with the servicer which is XXXX. However, they have not told me of any assistance to prevent my foreclosure from happening! In addition I have applied for THAF program. However, I am not able to get answer there either on approved status and it's been 30 days already. Can someone please assist me in getting an answer on if I have been approved for assistance and if there is something my servicer can actually do to help me please?
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/2022 My purse was stolen with my phone, debit card and money in it. My phone does not have a passcode so the person who stole it was able to have access to my account information. When I realized my purse was missing i then try to log into my account and it stated that there was no matches found on record. So it was after XXXX XXXX when I wanted to call bank of America so I had to wait until the next day to call. On XX/XX/2022 I call Bank of America to explain what happened so when I finally got to someone that could tell me but they didnt really tell me what was going on they told me that it was a business decision to close my account I dont know what happened or why they closed it they did not give me no explanation I am so furious because I just opened this account XXXX weeks ago I needed this account for personal reasons and now I dont have a bank account I am so hurt because they couldnt even give me a reason why they close my account just a business decision. There was no money in my account but I have a direct deposit going in in about a week and theres no way that I could cancel. Please help me get my account back.
Consumer complaint received 2022-07-07
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-07-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

on XX/XX/XXXX I sent money to the country of XXXX XXXX for some XXXX I did it through MoneyGram and the money never reached the sender in MoneyGram 's support they don't give you help and everything remains in limbo to this day I don't have a response and not even my money has been refunded I have screenshots that the money was taken by MoneyGram from my bank account to carry out said transaction that was never made effective It is not fair that these companies continue kicking and taking advantage of the consumer who works so hard to earn that money that is sent what MoneyGram did or is doing with customers is malicious withdrawal and deceptive service of funds
Consumer complaint received 2022-07-07
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. (SC)

In accordance with the Fair Credit Reporting Act the following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXXXXXX XXXX  account # XXXX,
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MO)

I was a tenant at XXXX XXXX XXXX  in XXXX, AZ from XX/XX/XXXX to XX/XX/XXXX. The parent company XXXX contacted me 14+ months later, informing me I owed for unpaid co-op utilities & a cleaning fee. I requested documentation of their claim & did not receive it. They told me they have a " ledger '' & it shows the bill, yet this had no verifiable information only typed dollar amounts without my name, no apt , no dates, nothing. The cleaning fee was based on someone's opinion & I received no itemized breakdown. XXXX sent me to collections 2 years & 8 months after I moved out. The collection agency 's answer & reason for the LATE bookkeeping of {$350.00} due, was Covid-19,  according to their rep. I had a forwarding mailing address, the same phone # & email. My daughter who was also on the lease & present for the move-out, rented from XXXX in XXXX, AZ & after a year received her security deposit back. XXXX had access to both of us. The collection agency highly & negatively impacted my credit score, which was XXXX away from an XXXX XXXX
Consumer complaint received 2022-07-07
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: U.S. BANCORP (TX)

My vehicle was vandalized twice and on each occasion, personal information was stolen from my car. I have filed police reports and added extended fraud alerts on my credit by I continue receiving alerts that my information appeared on the dark web and/or inquiries appear on my credit report which I did not authorize. I have disputed this directly with the credit requestors along with XXXX but the inquiries have not been removed. 
The unauthorized inquirers are : XXXX XXXX XXXX on XX/XX/22 XXXX XXXX XXXX on XX/XX/22 XXXX XXXX on XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/22
Consumer complaint received 2022-07-07
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 
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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-06
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. (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. 
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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 2022-07-07
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: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Name : XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX Account # XXXX XXXX XXXX payment date : XX/XX/2022 15 USC 1681 - ( 2 ) ( A ) ( 1 ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a Transaction.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

You are NOT allowed or permitted to furnish any type of reports that contains bank statements or any experiences or transactions that I have with your financial institution as the LAW clearly states above this paragraph please immediately remove the late payment reporting that was furnished to the credit reporting agencies/ XXXX, XXXX, Trans Union.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I filed a dispute several times and never received a response from XXXX XXXX and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows. I noticed that you are reporting this item on my consumer reports as a charge-off with a balance. I am writing to understand which portion of this alleged debt was charged off or cancelled because I do not recall receiving a 1099-CXXXX From my understanding, I am supposed to receive a cancellation of debt tax document so I can report this amount on my taxes.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.