davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed my disputes XXXXwith Transunion and they have failed to investigate my credit report under 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX  ) ( XXXX  ) and others who furnish third party disputes free of charge, etc.

Also Transunion is sharing my personal data with 3rd parties such as XXXX XXXX without my knowledge or consent No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2023-04-14
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. (PA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act XXXX  account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2022-10-09
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. (PA)

My name is 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 2021-12-21
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: Experian Information Solutions Inc. (IL)

Non of the major credit reporting agencies require companies reporting information regarding consumers requires any proof for reporting. I have contacted Experian, XXXX, and XXXX. I have been told by all XXXX bureaus the accounts that I have disputed has been verified by the furnisher. I asked if there was counter information to the documentation that I have provided with my dispute. I was advised there is no proof because it is an electronic process, in addition, they are not required to give me any proof. Today, after speaking to a very rude Experian representative, I was advised that I should file a complaint against the bureaus with the CFPB.
Consumer complaint received 2023-07-04
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: LEXISNEXIS (OH)

To whom it may concern : On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-04-14
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. (TX)

Transunion has taken more than 30 days to investigate and remove this fraudulent and inaccurate info from my report. 
XXXX XXXX for XXXX XXXX at XXXX was placed on my report in 2019, literally several years after I had any association with XXXX XXXX and XXXX. This is clearly fraud on the part of the company to try to frighten me to give money they are not entitled to. I ended my lease legally as I had to tend to family medical emergency and had government reassignment. It was understood when I left and there was no balance do! Its fraud to come back 2 or 3 years later and try to extort money from someone! 
The company XXXX is located in Georgia, not in the State of Texas. According to federal law it is illegal for a debt collector to try and collect debts out of state. This company is in the top 5 most complained against companies in its class and on XXXX  and CFPB. They are notorious fraudsters and have lawsuits against them. Transunion is resisting following to law and its efforts to maintain this false info on my report is hindering my efforts for housing and other financial instruments. They must delete this info immediately. The other CRAs have long since removed this because they know the reputation of the company and know that what I state is true. Only a lazy and illegitimate investigator would report something as verified from these guys! It should have been removed the first time I asked them to.
Consumer complaint received 2023-04-14
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)

XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX, NJ XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
Account name XXXX Account number XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-08-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-05-07
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. (FL)

On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, Experian, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

My mortgage was previously with SunTrust bank ( now Truist ) I made my mortgage payments in the same amount {$2300.00} using bill pay through XXXX XXXX each time and did not have any issues with payments being received or being allocated for more than a year. Then I was notices my payments for XXXX, XXXX, and XXXX were past due. I look at my bank statement and they were sent and received by SunTrust. My loan switched to XXXX mortgage company in XXXX so I paid my first payment that month to them no problem. They are showing I am in default for those XXXX payments and have been calling to collect the debt. I have opened numerous cases with SLS and sent my bank statements for each month with proof of payment. I have called XXXX more than a dozen times to check on the status of my case only to learn that it was never opened or was closed without my knowledge. I have been asked to provide the same bank statements over and over with no explanation of why the first time I sent it wasn't sufficient. I still receive calls daily from XXXX attempting to collect the debt because nothing has been noted in my account that I have a case against this and I have to explain the situation over and over with each new customer service agent I get. I have called SunTrust and they told me that for some unknown reason my mortgage payments for the three months in question were set aside into an unallocated funds account however I have gotten no answer on how to get that money correctly allocated. They refuse to communicate with my new mortgage company or refund the money. This has been going on since XX/XX/2021 and I have gotten no where with either company. I am terrified this is going to affect my credit and have spent hours on hold and on the phone with customer service representatives who can not get me answers and run me in circles asking for the same information over and over with no escalation of my case.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The CMI Group, Inc. (NJ)

On XX/XX/2021, which is today currently as I am writing this complaint that Credit Management , L.P. located in XXXX TX  called my mother and went further than just collecting my contact information. Keep in mind, I am not a minor, I am XXXX, and the debt collector went as far as telling my mother how much I owed and my mother wanted to pay for it, I told her not to since I first wanted to submit this complaint. It is completely fine to ask my mother for my contact information, however this person told her how much and how to pay it, this is inappropriate. The debt was only for XXXX, a internet bill that I plan on paying
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

Complaint below is against Paypal for allowing sellers with ill repute. Please file against Paypal. 

On XX/XX/22 I paid {$52.00} for hair product from a seller in originating in XXXX and paid via Paypal. However received product was different than advertised and incompatible for use with me specifically. See images comparing received product versus advertised product. 

Then I contacted Paypal for refund. They offered partial payment, I refused. Seller refused all communications or responses via email. No option to return product and refund was offered. Paypal unilaterally closed the case. Thank you.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I sold my car to XXXX XXXX on XX/XX/2022 Bank of America immediately froze my account stating it was an unauthorized deposit as if XXXX provided me with a fraudulent check i reached out to XXXX who provided proof that the check cleared their bank and was a good check. I have tried for over a month with Bank of America to fix this showing them the bill of sale documents from XXXX even did conference calls with XXXX to prove this was not a bad check and the funds have already cleared XXXX bank. Bank of America pushed the close date of my account back several weeks holding the funds finally on XX/XX/XXXX a month later they closed the account but are still holding the funds stating they are trying to validate the source of the funds when i have provided all information required to show these are my funds i was instructed to call back on XX/XX/XXXX or XX/XX/XXXX for an update that the funds have been sent and again i call and they are still holding the funds. They have refused to work with me or XXXX on getting the funds returned to either of us. I have been without electricity for XXXX weeks now because of this and my rent is behind XXXX months i have had to XXXX in my car for weeks with XXXX XXXX Bank of America will not even help me even after i have provided them with all the info needed and requested. They lied since day XXXX saying the check was going to be returned because it was fraudulent but in actuality it was not fraudulent and the check cleared on XX/XX/XXXX.
Consumer complaint received 2023-08-26
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: ENCORE CAPITAL GROUP INC. (FL)

I have been trying to get the information that is on my credit report removed and deleted but the credit card agencies would not so now I had to file a identity theft report besides giving each company a copy of my police report. But now I havr and FTC report done as well to have these credit cards removed from my credit report asap. The FTC reference number is XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX 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 XXXX. 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-08-23
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: ENCORE CAPITAL GROUP INC. (CA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Consumer complaint received 2021-08-23
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. (FL)

Recently my attorney and I settled for an undisclosed amount with Equifax because of their failure to comply with the fair credit reporting act section 605B pertaining to identity theft. I have recently sent Equifax A new FTC report and police report but according to their records they dont even have the FTC report or police report that was used for the settlement that they had at one time. I find it interesting that this particular credit bureau had a major security breach which unfortunately I was a victim of. Recently we settled a lawsuit because of their failure to comply with the fair credit reporting act and again I am making a complaint prior to suing them again hoping that they will make a correction giving this credit reporting agency the benefit of the doubt. But unfortunately even after I sued them and won They still failed to comply with the FCRA using other countries to answer their calls and process the data for disputing and these countries are not familiar with the FCRA because when I questioned their representatives they are absolutely oblivious to the laws.
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

A friend sent {$250.00} to my inactive Cash App account on XX/XX/XXXX, which is linked to an inactive an expired debit card. Around XX/XX/XXXX, I attempted to get access to the account but was unable to provide the debit card number, because it had expired long ago and was disposed of. That said, the account is linked to my personal info and my phone number, so I attempted to get access to the money by calling and emailing Cash App support. 

Unfortunately, their support has been unwilling to resolve the matter. I presented multiple possibilities that would be satisfactory : 1 ) give me access to the account, 2 ) reverse the transaction and send the money back to my friend, or 3 ) send the money to my active Cash App account. Cash App support did none of these things and did not propose any alternatives. Instead, despite me being able to prove I'm the account owner beyond any reasonable doubt, they simply say : " Your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. '' I followed up further, but rather than work with me toward a reasonable outcome, they repeatedly copy-paste the above response. Functionally, Cash App is saying that they get to keep my money in perpetuity and that I have no recourse. Obviously that is unreasonable. 

I am willing to work with Cash App to resolve any of their security concerns, but unfortunately they are stonewalling me.
Consumer complaint received 2023-08-22
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.