davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX 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 handwritten instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-06-16
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2022-12-31
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. (IN)

HI 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 2023-04-21
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX All the above mentioned accounts have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A 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 ) states - 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 2023-06-16
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. (AL)

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. 

The letters are stated with items and issues. 
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 2021-09-26
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. (FL)

I am distraught that Transunion has incorrectly reported my payments to XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have written to Transunion several times for that incorrect information to be removed and to no avail, they neglect my request. And now, I suffer with such negative information showing on my credit report and thus presenting a horrible score that prevents me from growing financially. Consider this complaint as a formal request for removal of the referenced inaccurate information. I have attached PROOF that I paid XXXX  for each month referenced above and I expect Transunion to change the payment status for the XXXX credit card account to Current, never late. I highlighted the proof for easier understanding.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

I am writing to dispute misleading and false information that has been included in my credit reports provided by both XXXX and XXXX. The fraudulent reporting has caused significant harm to my personal and financial reputation over the past XXXX years. 

I have recently discovered numerous errors within my credit reports which were originally sent to XXXX, leading to the removal of erroneous information related to Wells Fargo Card Services. However, it has come to my attention that this same inaccurate information regarding Wells Fargo Card Services has remained on my XXXX and XXXX accounts, tarnishing my creditworthiness unfairly. 

Upon careful review of my credit reports, I found the following mistakes : False Account History : The account listed under " WELLS FARGO CARD SERVICES '' is incorrect. I have never had any association with this entity, nor have I ever opened or maintained a credit card account through them. This mistaken listing implies that I possess outstanding debts or negative payment history with Wells Fargo, which is entirely untrue. 
Negative Payment Timeline : My supposed non-payment incidents associated with Wells Fargo Card Services inaccurately portray a poor payment pattern, damaging my overall credit score and hindering my ability to secure favorable terms for future financial endeavors. It is essential to rectify this matter immediately to restore my true creditworthiness. 
Personal Identity Theft Concerns : Given the consistent misinformation regarding Wells Fargo Card Services, I fear that my identity may have been compromised and used unlawfully to open fraudulent accounts. It is crucial that appropriate investigations are conducted by XXXX and XXXX to address this potential identity theft issue promptly. 


Please send written confirmation upon completion of the investigation and subsequent actions taken to rectify these false reporting issues. Thank you for your prompt attention to this matter.
Consumer complaint received 2021-05-25
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. (FL)

Equifax who is a third party agency willing and knowingly violated Fair Credit Reporting Act ( FCRA ) 15 USC 1681 a ( 2 ) as defined below in section ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

1. ) EQUIFAX NEVER GOT WRITTEN CONSENT TO FURNISH THE INFORMATION LISTED FOR ME FOR THIER COMPANY!!!!! I XXXX asked Equifax to delete the consumer report information that they have for me but they refused and blantly are violating the federal law stated above ALSO, EQUIFAX ALSO violated FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 15 USC 1692 g.Only a consumer which is me XXXX XXXX can validate a debt IF IT ACCURATE OR INACCURATE and no other person
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XX/XX/2022 The Supervisor at XXXX XXXX XXXX hung up the phone on my call to delete the alleged claims while I was still trying to get the correct information regarding fraudulent claims against my consumer report. On XXXX XXXX I sent a response letter to XXXX XXXX XXXX, Attorney hired by XXXX XXXX never got a response, I sent out the same letter again never received a direct response regarding my response asking for the alleged debt to be validated. XXXX XXXX I received confirmation that the response was acknowledged. XXXX XXXX XXXX XXXX XXXX stated they hired XXXX XXXX XXXX as an attorney and XXXX XXXX sent me a statement stating they would be foreclosing on my homestead on XXXX XXXX and they have not responded or validated the claims against my property. It is now XXXX XXXX and there has been no valid debt validation they have furnished fraudulent claims against my consumer reports. Neither company has responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. Fraudulent practices are a violation under state and federal laws.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

This complaint concerns a billing transparency issue. QVC 's credit card, " QCard '' through Synchrony Bank offers a Promotional Financing option with deferred interest provided monthly payments are up to date. The billing statement gives a summary every month detailing the remaining promotional balance in a separate boxed area. No where on the billing statement does it say how much the payment is per month. The customer has to divide the original charge by the number of months financed to figure out the monthly payment ( as instructed by QVC Customer Service ). Furthermore, the Account Summary each billing cycle includes the total remaining balance of the deferred financing item in the New Balance ( payment due ). Each month the consumer must subtract the remaining deferred balance from the New Balance, then add in the monthly amount due for the item. The billing statement does not note the starting balance of the item, you have to remember the amount from your first bill. XXXX has a similar deferred balance option, and their bill CLEARLY states what is actually due ( New Balance includes the financed item ) and Interest Saving Balance ( the actual amount due ). You do not have to remember what the monthly payment is for the deferred finance item, do the math to come up with the actual amount due. I have complained to QVC to no avail.
Consumer complaint received 2022-07-24
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 XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXX/XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT ED. 
Account # XXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (FL)

This matter was previously filed with CFPB and settled with the company. Nevertheless, the company may not have appropriately updated the files as I am still getting harassing collection calls from the company demanding the balance due. Customer Service also says they have no record of this in there system. 

There is no balance due. The company XXXX out the small balance in good faith and the matter was settled. 

The letter provided from Continental Finance is attached as verification.
Consumer complaint received 2022-11-05
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian, XXXX, and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance XXXX : {$0.00}
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (MN)

I have multiple apartments which I do not live in which I provide internet service for. I auto-pay for service, bills are sent directly to my home address, and when service is discontinued, I return equipment personally. Because I manage up to XXXX accounts, I am well versed with the low quality of work they do at their store, so I save all receipts. 

In this case, an account was paid in full and equipment returned. Several months later, with no communication regarding a passed-due amount, a new tenant received a notice in the mail ( only my personal address, not tenant address was used for this account 's billing so the new tenant getting my billing information is already in the weeds ) from Amsher, not XXXX Communications XXXX 

I contacted both companies. Amsher gave me a ticket number XXXX and said they would respond. XXXX also said they would respond. Neither responded but over the course of months have ignored completely the fact they are sending out incorrect notices to incorrect people at incorrect addresses. 

I have receipts proving the equipment that was returned is also the equipment they are sending out debt notices for. I received no information from XXXX regarding this account being passed due ( because it never was ).
Consumer complaint received 2023-06-16
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. (FL)

I have contacted Experian regarding my credit report. They made it difficult trying to access it and when I spoke with XXXX ( a supervisor ), she gave me an even harder time.I was able to log in and it sent me directly to experian boost. Even though I was able to sync my bank account, it still showed " Update now '' and it would not let me pass it.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Credit Karma (PA)

When filing my taxes with XXXX I was given an option to get a cash advance if I opened a XXXX  account with Credit Karma, so I did. My tax refund directly deposited into the account. Credit Karma isnt actually a bank, they use a third party which is XXXX XXXX Credit Karma had deactivated my physical card for fraudulent charges that I never reported or seen on my account back in XXXX. I requested a new card but it never came. Meanwhile I had a digital card I could use using XXXX XXXX. Then i had requested another physical card and again it never came. I started seeing chargers that were not mine on the account so I contact Credit Karma to dispute the transactions. They then deactivated my digital card and will not issue me a new one. Since then anything that the account was linked to has been unlinked, not by me nor my permission. I have the account and routing numbers but unable to link them to anything. I contacted the bank XXXX Credit Karma using and they dont see any locks or holds on the account to prevent linking it. However I cant link it to anything and I cant access my funds. I have requested for a third time a physical debit card on XX/XX/XXXX and according to the information Credit Karma shows me the card has yet to even be mailed. They will not issue another digital card so I have no access to my funds. Their customer service rep XXXX denied me talking to a supervisor or anyone above him after I asked numerous times. He denied me any contact information to XXXX XXXX so I could contact them. I did however get their information and they said they are unable to help and to contact Credit Karma for support. I have had my tv services cut off because my account couldnt be billed. The worst part is my telehealth provider ( online doctor ) could not bill my account so I lost my appointment and prescription refill.
Consumer complaint received 2021-08-04
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. (MO)

XXXXXXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXXXXXX XXXX ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. 

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

This issue is with Pay Pal. They say they are having an issue with customers not being able to enter their TIN or SSN to release funds that are put on hold by Pay Pal. I have tried over the past month to resolve this and have been told " we are working on it on our end ''. In the meantime, they have almost XXXX of my funds " On hold '' and will not release the money. They gave me an internal Ticket # of XXXX. However, my last XXXX attempts to get an update via e-mail have gone unanswered.