davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has fraudulently reported 30 day late payment on my credit report. During this time XXXX XXXX XXXX  and spoke with XXXX ( XXXX ) about my account. When requested deferment for the month of XXXX  she granted my request. During the month of XXXX i received a 30day late notification on my fico report. Dropped my score drastically. I have been a member with XXXX for many years and was shocked. I have contacted several times and they are not willing to investigate what so ever. There only solution they gave me was to write a letter to there dispute department. And of course ive done several times and they just responded back with there generic message, they cant help me at this time. This is wrong of XXXX XXXX, it shows me that they dont care about other peoples lively hood that they put at stake. 

I have disputed with all bureaus and they just come back with verified verified verified. 

CFPB please open an full investigation to help me get the fraudulent 30 day late payment off my credit report. as it is damaging me credit worthiness. When in fact i was on top of this account. XXXX is the one that has reported incorrect data to my credit report. 

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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-12-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-09-17
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX  XXXX Balanced Owed : {$2600.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2019-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WA)

I have been trying to get answers about my application for forgiveness of student loans through the public service loan forgiveness program. Im trying to get a listing of which payments have counted towards the qualified payments they have to make sure theyre all accounted for. There are payments from prior loan servicers that I havent gotten information about. Its very frustrating because I could be done with student loans and Id like to make some life decisions for my family. 


Thank you
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IA)

signed up for a bitcoin buying site and i was talking to someone who was gong to buy me a bitcoin if i sent him my email then he would tell me how much money to send. 
sent this person my email and he has gotten access to my PayPal account. 
He had then sent him self XXXX dollars from my account. When i contacted him he has not responded and kept reading my messages. 
then contacted Paypal and expalned dd not make that XXXX and changed my password. 
Paypal has not responded and sad there s nothng they can do about t. 
am requesting my money back that was taken from me wth out my permsson. 
have requested my money back from the emal that t was sent to but there s no response XXXX XXXX -negative {$200.00} XX/XX/2020 Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2020. 
Paid with PayPal XXXX XXXX balance Transaction ID XXXX Sent to XXXX XXXX XXXX Details Sent to XXXX XXXX {$200.00} Fee {$4.00} Total {$200.00} Print details
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

I had a {$6800.00} limit on my Citibank card. It is under my Fsthers name, but I am an authorized user and use the card and make all the payments. 
I am a small business owner trying to make it through this pandemic. I am trying to find new ways to sell new products and there are some things I needed to use my credit card for as opposed to cash or check. Or at least it would have been more expedient. So, without having much cash on hand these days, I chose to pay down my citi card {$6000.00} in order to free up room to use it. 
The {$6000.00} payment was processed on XX/XX/XXXX, and then on XX/XX/XXXX Citi decreased my credit limit by {$6000.00} ... this has put me and my business in serious jeopardy. I dont have {$6000.00} to be pretty much wasted like that in a time like this. I would have just made the minimum payment if I knew this was going to happen. 
I have made all my payments on time and there are no issues with the credit bureaus as they claimed. There doesnt seem to be any valid reason for this move that they made other than to limit their exposure to other customers who arent paying their bill. 
They have me 10 different excuses why this happened, none of which made any sense. It seems awfully coincidental to me that I make a {$6000.00} payment, then 2 days later I get a email claiming some sudden issue with the credit bureau and they instantly lower my limit by that exact same amount of {$6000.00}??? 
We called the credit bureau as well, no issues. They said they didnt see why this would happen, there is nothing on their end that would explain this. 
This {$6000.00} is A TON of money for me and my business in these times. The consequences of them doing this to me could be catastrophic. I chose to make this kind of payment in good faith, and never thought I would be taken advantage of on this way, especially during these difficult times.
Consumer complaint received 2022-07-18
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID 's THEFT REPORT # XXXX, XXXX, XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (IN)

" 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 XXXX 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX*Subject : Urgent Dispute : Inconsistent Reporting of Closed Account by XXXX XXXX XXXX Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to formally dispute the inaccurate reporting of a closed installment account with XXXX XXXX XXXX XXXX amount of {$250.00}. This account is being reported inconsistently across the XXXX major credit bureaus, as follows : - **TransUnion** : Account # XXXX - **XXXX** : Account # XXXX - **XXXX** : Account # XXXX Despite my XXXX complaints, these credit bureaus continue to claim that the account is " verified, '' yet they are clearly not reporting the same account number, which is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **FCRA Section 609** mandates that credit reporting agencies provide the consumer with all information in their credit file, including account numbers. The discrepancies in the reported account numbers violate this provision.

2. **FCRA Section 611** requires credit reporting agencies to conduct a reasonable investigation into disputed information. Given the clear inconsistencies, the continued reporting of this account without accurate information shows a failure to conduct a reasonable investigation. 

3. **FCRA Section 623** requires furnishers of information, such as XXXX XXXX XXXX XXXX report accurate information. The discrepancies across the credit bureaus suggest that XXXX XXXX has failed to fulfill this obligation. 
Furthermore, this situation aligns with the case law established in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX where it was determined that credit reporting inaccuracies that are not rectified after notice are a violation of the FCRA. There is only XXXX data furnisher { XXXX XXXX } of the stated tradeline so, if the furnished data is not 100 % consistent across all XXXX reporting agencies it is INACCURATE! 
Given the ongoing violations and the severe impact this incorrect reporting has on my credit, I intend to escalate this matter. If this issue is not resolved promptly, with the removal of this erroneous account from all three credit bureaus, I will file a claim with the Attorney Generals office and pursue legal action against all parties involved for non-compliance with federal law. 
I demand a written response from a real person, not a computer-generated reply, outlining the steps that will be taken to resolve this issue. Please be advised that I expect your response within 15 days from the receipt of this letter. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The information in my personal info is incorrect. 

I do not reside at address " XXXX XXXX XXXX XXXX, NJ XXXX. '' I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX. 

I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX '' I do not reside at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I do not reside at address at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

I do not reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I would like for all of these addresses to be removed from my credit report. I have no ties or affiliations to either one of them. Furthermore, I do not reside at either address.
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

I have a business account with PayPal and a link on my website for customers to pay through. Well one customer clicked the wrong link and paid a full purchase price when he should have only paid a deposit on the item, which was another link. I refunded his money immediately and paypal still kept the transaction fee from me. I asked for a refund due to this being an error and they said no over and over again. Paypal will make me refund the full amount to the customer and still charge me for the customers error. This was XX/XX/2020. Amount {$2200.00}, transaction fee of {$67.00}. They have also given a customer a refund of a deposit they made knowing the deposit was non refundable. Plus kept the original transaction fee from me. So they took 300 dollars out of my bank account to give back to a customer that paid a non refundable deposit on a future puppy that hasn't been born yet. Accused me of not sending the customer the item and took the money back. Then kept the XXXX  dollar transaction fee I paid when the customer made the non refundable deposit. PayPal is continuing to steal from their own customers and making rules apply to their customers while they keep money for transactions that aren't final.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I was contacted by Citibank about 2 months ago regarding my checking account. The letter stated that the IRS was instructing the bank to start back up witholding due to the number of withdrawals I was taking out. To date I have received nothing from the IRS in regards to this. The bank sent another letter last week requesting a W-9 form. Due to the fact that I have not received any documentation from the IRS, I will not submit any type of documentation to Citibank and request that they no longer contact me in regards to this unsubstantiated issue. 
Upon reading the documents sent by Citibank I noticed that they have two ( 2 ) different ending account numbers. The account ending in XXXX is not an account that is used and not completely sure at this time that it is actually an account that I have opened. Also in the documentation dated XX/XX/2022 Citibank stated that the Internal Revenue has given them notice of this account. How can that be when I have received no notice from the IRS as stated previously, however the document states at the bottom that I should contact the IRS if I have not been notified. The same way that the IRS allegedly contacted Citibank I should have been contacted as well.
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 a account with my written instructions.
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (MO)

Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC. This debt is listed as a charge off on my consumer report.

Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt. You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me. Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.