davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
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 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CT)

I discovered that PayPal gave vendors unauthorized access to my bank account. I spoke with a representative from PayPal on XX/XX/22 when I looked at my bank account and saw XXXX debits in XXXX to my checking account made by Paypal that I did not aurthorize. The amounts ranged from {$20.00} to {$100.00}. The Paypal representative explained that I signed XXXX merchant agreements allowing PayPal to debit from my bank account to pay these vendors, which PayPal describes as " preauthorized payments. '' I never signed any agreements nor have I agreed to " preauthorized payments '' to any vendors. I believe this is a scam in which Paypal is complicit, to essentially steal money from my bank account. The representative from Paypal reviewed with me and removed the 75 vendors who were given merchant agreaments and preauthorized access to my bank account. I have necer heard of or done business with the majority of these vendors. Of the 75 vendors, I do business with five of them, but payments are made through my XXXX XXXX account and I did not preauthorize any payments directly from my bank account. The PayPal representative directed me to the section of my Pay Pal account that contained the list of these vendors. She agreed that " Paypal 's practices are not transparent. ''
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Fuel Capital Group (CA)

I requested multiple times documents to verify correctness of loan received for my used XXXX XXXX. strike loan acceptance has ignored my requests for two months, is now reporting negatively and inaccurately on my credit report and is refusing to accept my monthly payment. I purchased the car XX/XX/XXXX. About a month later I received paper work stating my car payment was now due, but i noticed the amounts were incorrect regarding the monthly payment, the loan pay off amount, as well as warranty I had purchased as well. Strike has repeatedly promised to send me the copys and has yet to do so. I asked them to be mailed, faxed or emailed and Ive still received no correspondence. Ive attempted to pay my monthly amount to prevent negative reporting on my credit ; but they have blocked my ability to make a payment completely, and are still reporting to the credit bureau I am two months late despite my efforts to pay.
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXXXXXX is incorrectly reporting late payments on my credit report and I have never been late in fact my loan has been in XXXX  since I left school
Consumer complaint received 2022-08-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IA)

{$200.00} and {$300.00} were sent on XX/XX/XXXX. Scammer said they wanted to buy a product I had listed, said I needed to have a business application, then that there was an overpayment. During all this I was receiving edited emails from Zelle that the scammer had edited but failed to edit the amounts and my name. Kept trying to get me to send more money saying once they received it then Zelle would deposit all the money I had sent along with the price of the item. Opened a police case, case with the bank and contacted Zelle. Zelle basically said they couldnt do anything about it b/c they were authorized yet the scammer has since deleted their Zelle account XXXX I was notified by my bank of the decision and that they would be reversing back out the XXXX amounts from my account. I have also opened a case with the general attorney office. Zelle has also said that the restriction on my account cant be lifted even though they placed the restriction on my account. Zelle knew exactly what scam I was talking about, but their policy is that they arent responsible for anything basically. I dont know how any banks can be promoting Zelle and they dont have your back on anything and nothing to prevent fraud or scam from happening.
Consumer complaint received 2023-03-07
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. (NY)

Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( 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.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( XXXX ), the term consumer report does not include - ( 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
Consumer complaint received 2024-11-14
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. (AL)

Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

I'm unable to obtain any finance products due to the fact I got to many hard inquiries I'm currently enrolled in college at the university XXXX XXXX I know a thing or XXXX about credit building and how hard inquiries within a short amount of time will appear lenders ad if your desperate for credit by me knowing that I wouldn't go and apply for alot of accounts therefore there are some Inquiries that I don't recognize and was want them deleted from my report I feel like every American deserve to have good credit and I'm on my way to building my credit and paying my bills on time therefore please fix the inquiries on my credit report
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CO)

I purchased a walking treadmill from a company called XXXX in XX/XX/2023. They said they were going to ship in XXXX. I emailed them in XXXX when I didnt receive the product. They said 2 more weeks so in two weeks I emailed them and they said 2 more weeks I did this every two weeks until like XXXX. 

At this point Im confident theyre never going to ship so I request a refund. They approve the refund said it would arrive 7 business days. I forgot about it and then a month or so later realized the refund never came through. 

Then I emailed them to ask and found out the company dissolved. 

I requested a charge dispute with Amex, the card I used to purchase. They didnt open an investigation because my purchase date was more than 60 days ago.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Experian is reporting that my total student loan balance with XXXX XXXX XXXX is a total of {$180000.00} but my actual student loan balance with XXXX XXXX XXXX is {$110.00}, XXXX. 

I have a total of XXXX ( XXXX ) student loans with XXXX XXXX XXXX - XXXX in the amount of {$62000.00} and XXXX in the amount of {$55000.00}, for a grand total of {$110000.00}. 

Around XX/XX/year> I discovered Experian was reporting I had a total of over {$230000.00} for these same loans- but Experian was reporting my actual loans TWICE or DOUBLE the Amount. I filed a dispute and eventually Experian removed only XXXX of the duplicate loans, XXXX for {$55000.00}, and continued to falsely report the {$62000.00} loan TWICE, or DOUBLE the Amount, for a false total of {$180000.00} instead of the correct total of {$110000.00} ( comprised of my XXXX, and only XXXX student loans I have [ {$62000.00} + {$55000.00} = {$110000.00} ] ). 

I have filed NUMEROUS disputes with Experian, have explained this to them NUMEROUS times in clear detail, have provided them with proof from XXXX XXXX XXXX, have spent time on the phone and in writing numerous times with Experian TO NO AVAIL. EXPERIAN simply REFUSES to correct this egregious error on my credit report and it continues to falsely report that am in debt for an additional {$62000.00} that I DO NOT OWE and never did. 

Please help!
Consumer complaint received 2024-09-17
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. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-11-14
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)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

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  ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX Documentation
Consumer complaint received 2024-11-14
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. (GA)

Good Evening, My name is XXXX XXXX and I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies and a account from XXXX XXXX that I do not recognize, and I have not authorized any of these accounts. 

As these accounts do not belong to me, I am concerned that my personal information has been compromised. I take this matter very seriously and would like to ensure that my credit report accurately reflects my credit history.
Consumer complaint received 2023-08-20
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. (FL)

Hard inquiries that are associated with the unauthorized and fraudulent activity that was previously disputed are visible on my credit report and needs to be deleted. Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Still visible on my credit report
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

1.I have never had an account with this company CB/NY & CO XXXX , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-08-10
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. (CA)

Starting in XXXX of 2022, I have been battling with Experian customer support on unauthorized access and changes to my online Experian account. There have been several calls to reset the email and username after someone other than myself has logged in, changed my information, and unfrozen my credit file. After resetting my account, it happened again sometime between XX/XX/XXXX through the XXXX. Experian said their is nothing they can really do if the other party involved, we will call them the attacker, knows my personal information because they can recreate my account without any form of validation if the account with the SSN attached to it already exists. 

I have explained this to the Experian representative without much incentive on their part to fix this issue. There is a flaw on how Experian accounts are created. With a victims information such as a leaked SSN, the attacker can recreate the victim 's account without first notifying the victim of such activity or promoting some form of two-factor authentication. After the attacker has access to the Experian account, they can reset security questions and unfreeze your credit file even if you placed a freeze on your account with a PIN, which was recommended by every representative. Unfortunatly, they claim that new technology allows them to no longer require a PIN if you have access to their online account. Also, once anyone good or bad has created or recreated your account, they can sign up for their XXXX plans and effectively pull all credit reports from XXXX and XXXX, leaking untold amounts of historical data that can be used to further verify security questions. 

As of now, Experian knows of this issue and only suggests create an account and actively watch your email for account notification changes, which received means the account has already been changed. There is no way to opt out of the internet service or force them to only verify account changes by mail. The only other options their fraud department recommended was to file a police report and also file a complaint with the Consumer Financial Protection Bureau. 

There is also an article that goes into further detail about this exploit here : XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

On XX/XX/2023, I sent a negotiable instrument via certified mail ( tracking number : XXXX ) to Nelnet XXXX XXXX, a servicer for my student " loans, '' with the intent to discharge the " debt '' on my account for {$20000.00}. This action constitutes a valid tender of payment under the Uniform Commercial Code ( XXXX ) Section XXXX. Despite confirmation of delivery on XX/XX/2023, Nelnet has failed to : Apply my payment to my account : My billing statements continue to reflect an inaccurate balance, neglecting the tendered payment. This violates XXXX XXXX XXXX, which defines a negotiable instrument as " paid '' upon delivery and acceptance. 

Acknowledge receipt of the instrument : I have not received any communication regarding the instrument or its application to my account. This lack of notice of dishonor further strengthens my claim of valid payment under XXXX Section XXXX. 

Correct my credit report : My credit report continues to show late payments, inaccurately reflecting my financial standing despite the timely tender of payment. This violates the Fair Credit Reporting Act ( FCRA ) and misrepresents my creditworthiness. 

Furthermore, I have since opted out of Nelnet sharing my private information and sent a follow-up letter, and email inquiring about the payment and credit reporting discrepancies. My inquiries remain unanswered, potentially constituting a violation of the Consumer Financial Protection Bureau ( CFPB ) Regulations regarding complaint investigation and response.